Date Received: 2020-07-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: For four-five months in XXXX, M & T reported two-year-old ( XXXX ), less than 90-day, non-charge-off delinquencies that have affected my credit rating. According to law, unless these were charge-offs, they should be removed. Even though the payments cited doubled in amounts and the time-frame included the time I requested a forebearance, each monthly payment was paid in two installments within 30 days. This is evidenced by greater amounts paid than requested in some months because of how they reported the payments. The payments were recorded incorrectly as delinquent when they were paid within 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20716
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: M & T Bank authorized without notification a fraudulent ach transfer from XXXX in the amount of {$26000.00}. It has been 84 days since I filed the police report and notified M & T Bank. M & T Bank informed me I was past the 60 day requirement to notify of fraudulent activity. I was at 68 days to report. Fraudulent charge was debited from checking account on XX/XX/XXXX, at the onset of the pandemic, followed by state-wide shutdowns. Focus was on my XXXX, not myself until later in the shut-downs when I wanted to invest more into my XXXX for XXXX XXXX, which is when I noticed the fraudulent charge. M & T claimed they would develop a conclusion between 45 - 60 days of reporting. They are no longer providing additional information as to the status of the claim. Contacted Attorney General, State reps, and personal attorney. Causing extreme mental and emotional anguish. Police contacted for a wellness check. M & T Bank claims they are unable to reach anyone at XXXX. XXXX claims M & T Bank has no record of contact. Faxed information to XXXX on XX/XX/20. Very possible I will be homeless. Loss of income for my XXXX. Mental anguish. No forbearance in reporting due to COVID-19 pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 174XX
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: M & T Bank XXXX XXXX XXXX XXXX MD XXXX I have Home Equity ( HE ) Line of Credit with M & T Bank, we have been paying regularly and never been late. In XXXX we received a call from M & T bank that due to COVID 19 hardship we can have 3 months payment suspension and bank will not report it late. They deferred the XXXX payment but in the month of XXXX, they took out XXXX payment {$450.00} on XX/XX/XXXX2020 from my M & T checking account made me negative balance in my M & T check account. On XXXX XXXX I was charged XXXX as over draft fee and my total negative balance become - {$310.00}. I called the bank, after the long hold and transferring me to few departments in HE they told me it is M & T HE department fault and they will reverse the XXXX amount soon. As of today XX/XX/XXXX20 ( after 15 days ), I am still in negative balance of - {$110.00}, as last week my direct deposit of {$200.00} came in. M & T is keep on charging me {$38.00} of over draft fee. From XX/XX/XXXX I have been calling M & T every other day, On XX/XX/XXXX, they filed a complain ( # XXXX XXXX name XXXX ), upon my request. I have spoken to M & T representative ( s ) : -XXXX XXXX -XXXX XXXX and XXXXXXXX XXXX . Some the customer service representatives were very rude and unprofessional. My checking account and HE are in M & T bank but I am surprise no one knows there how to reverse and fix the issues. I am very disappointed with M & T Bank as I have to spend almost 2 hours to get hold and talk to M & T customer server rep. every other day starting from XX/XX/XXXX. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2020-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I was sent a check XXXX via fed-ex. The check turned out to be fraudulent. I simply deposited it. I DID not attempt to use any funds. I apologized for it. The bank ( M & T Bank ) where I HAD been a customer for 21 years, asked me then to close all of my accounts, citing that after 21 years I was a high risk for simply depositing a fraudulent check. a ). I apologized b ). I explained how I came to get the check - the people that sent me the check were arrested in XXXX. c ). I made NO attempt to use the funds. Yet, I am the victim and now I continue to be the victim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21015
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I paid {$5000.00} into the persons account at M & T for car purchase since XX/XX/2020, till date my car wasnt delivered, either was my money refunded since then till date I keep calling no response, Im just been ignored I call everyday, text Nothing changed ... The person name is XXXX XXXX with account number XXXX M & T bank, phone number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2020 I opened a checking account with M & T bank for a promotional offer of {$400.00} for maintaining a balance of {$10000.00} for 90 days. I used promotion code " CG '' with the in-branch representative. The application went through and my account was opened. After maintaining the balance M & T is refusing to honor the bonus citing the following : " My research shows this was a special promotion and the offer is non-transferrable. Only the person receiving the promotion qualified for the bonus and as a result, we are unable to offer this promotion to you. I apologize for the misunderstanding. '' This issue wasn't addressed to me at the time and the system proceeded with opening my account and accepted my deposit. The system should have rejected the offer code if I wasn't eligible and not open the account. Instead M & T chose to accept my monies for their use. They have used the capital to make money while the consumer is left with nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had multiple charges on my debit card for purchases that I did not make. I called my bank to process a chargeback and it was denied. The amount was {$3500.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a checking acount at M & T bank online, i went to the XXXX branch to make my first {$50.00} dollar cash deposit everything was fine next day i decided to open a secure credit card made an apointment came in deposited the {$250.00} cash required gave them my state of NJ government issued id and social security card and a letter from NJ unemployment i was told everything was fine, after that i deposited another {$500.00} dollars in us cash currency into my checking acount which i was told was open and the following morning another deposit of {$300.00} cash us currency into checking so i could open up a couple of secured credit cards one with XXXX for XXXX i gave them permision to take and XXXX for another XXXX permision after almost 10 days i received a phone call saying the bank needed more identification from me because they were issuing a credit card i told her close the saviings put it in the checking forget the card .knowing i was being discriminated against by people who i believe secretly hate Americans i decided to call and speak with a different branch manager to see if i could resolve the issue i made an apointment with him to come in the following day i asked the problem he told me to bring more identification he called the XXXX manager and made anapointment for me to bring in more identification i even brought my lease and wasted more of my time after taking and copying my paper work i was told my acount s were closed they made me drive to the bank for nothing they knew wthe evil they were planning in advance they admitted to talking to each other until i confronted them about it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07094
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I tried to request a loan forbearance due to being affected by COVID-19. And I was denied. M & T Bank told me that they do not offer forbearances.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A