Date Received: 2023-12-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Two XXXX transactions posted to my checking account on XX/XX/23. Unauthorized my myself. Not a joint account. My house was broken into several times in the last month. Checks missing, cash, files etc. Called M & T immediately. They don't have a 24 fraud number as posted on their website. Finally got through next day. They refused to provide any information. Would not create a case number for fraud. Nor a provisional credit. My account is now overdrawn. Didn't receive and text messages alerting me of possible fraud. Was told I have to visit a branch. I'm in XXXX Florida. I'm also XXXX. The nearest branch is hours away. I'm looking for a resolution. I had them lock account and shut down debit card. Requesting an explanation of the debits, provisional credit and access to my online banking which they blocked. A case number should have been given to me the day I called and reported. I believe they were two checks. I had XXXX in my account. They should not have been cashed for two reasons. Unauthorized and insufficient funds to cover XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Closing on a mortgage
Subissue: Closing disclosure or other related disclosures
Consumer Complaint: I did not receive any disclosures on opting in or out of credit reporting at closing. I have asked for the opt-in and opt-out documents, in addition, I need a copy of the 3-day recission documentation that outlines that I had 3 days from the date signed to cancel the loan. These are all supposed to be given to be in line with Federal laws / RESPA/. The Company repeatedly sends a copy of a Note and DEED not signed by them so there is no agreement. I have ALL the original closing documents and there are no opt-in opt-out in regards to credit reporting and 15 USC 1666 B, states that they need my permission. RESPA, and TILA disclosures are also not in the closing documents in regards to the 3-day right to rescind. Do to the strain of fighting with the bank I am facing a divorce and have advised the Bank to forward all mail to XXXX XXXX XXXX XXXX GA XXXX to ensure that I receive their correspondence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I purchased my mortgage loan through XXXX XXXX XXXXXXXX. So they sold it to M & T Bank and another company called XXXX. So thats XXXX different companies passing my personal information around at the time me not knowing whats going on. They say they sent letters I didnt received or sign to return. They had my phone number they never called. They didnt have the correct email address so yes I called to correct that. So yes at the time I was confused getting information from XXXX different places and i was wondering why because I had a bank account with XXXX XXXX XXXX and my payment was on auto pay at the time. This is impacting my credit score and im trying to move on with my life and get funding for my business so can I please get this off my credit! I see its a law that banks can pass your information on but i dont think thats fair especially being that I pay a lawyer to read over the paperwork when I first purchase my house. Now to hear that someone can get my information, home and my loan giving to them is terrible and hard to digest this! As you can see after this or even before this issue I never had a problem I truly hope I get this resolved. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Thanks Im advanced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXXXX/XX/2023 I deposited a check in the amount of {$10000.00} into my checking account. Prior to me depositing the check my account my was free to use and funds were available. After I deposited the check and the check cleared my account was locked and am to this day unable to access my funds. I checked with the person that issued the check, and the check has cleared her account. She has also written checks to other people that bank st M & T and there was no issue with their account and/or funds. I've been trying to get this matter resolved since XX/XX/2023 and have been told that only XXXX from the fraud department at M & T Bank can resolve the issue, but I have yet to hear from despite numerous phone calls and visits to M & T Bank. It is illegal to hold a persons funds without proper notification, and no one has been able to tell me why my account is locked. I feel like I'm being discriminated. At this point several of my bills are overdue and this has put me in financial hardship. I need this resolved ASAP.
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: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Closing on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: Completed a mortgage modification on XX/XX/2023 with M & T bank. Payment was correct for first three payments. Mortgage payment has fluctuated on every payment since. Loan balance has gone up and down from month to month. Bank has stated we have been late on several payments even though we direct wire funds from our primary bank to pay the mortgage every month. They have tacked on bogus fees for unknown reasons. We have spoke with the bank representative holding the mortgage, ( XXXX XXXX XXXX ) who informs us the error is on M & T banks end due to a merge with another bank that occurred earlier in the year. Has been saying for 11 months the back office is sorting out the mistake and would be resolved. Also stated we would receive a letter from M & T bank stating we have never missed a payment and it would not affect our credit. Still to this date, no letter has been received and the mortgage balance and payment are completely incorrect, even though every month M & T states this will be the month they resolve the issue. Balance has changed by nearly a XXXX dollars. We keep meticulous records and have all mortgage payments made, and texts and emails from bank stating the error is their fault. Again it has been almost an entire year with no results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I have been a member with M & T Bank for over 12 years and held various accounts with them over the period of time that I was a customer. Earlier this year, I put in a dispute for charges on my card that were subsequently denied for some reason. The dispute was valid, but I was advised that when M & T makes a decision on a dispute, there is no secondary review. After denying my dispute, all transactions were reversed sending my account into a negative balance ( something I had not experienced in quite a while because I changed my account type so that it can not overdraft ). I then received a letter from the bank giving me a very short period to pay the money ( that I should not have owed in the first place ) back into the account or else my account would be terminated. As a customer that has used MTB as my primary bank and moved well over {$100000.00} through the institution, this was a painful experience and caused many issues in my life because most of my bills were linked to my M & T personal account. Outside of losing my account, M & T left me with a balance that I feel was not properly investigated at all. I have been a victim of fraud in the past and this has been documented with M & T but they still closed my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I opened a HELOC and they have violated my consumer right by denying me access to use my account which is direct violation to the FDCPA who prohibits debt collectors from using unfair or deceptive practices. Which also state a company can not block your extended credit in an attempt to collect a debt while I continue to make payments. I requested that they unlock my line of credit until they prove to me that I will not be able to pay future payments and they have yet to open my credit I have reached out to them multi times to request that they unlock my credit. I am asking that you help me in this matter. According to 15 USC 1681a ( I ) ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer ; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. Before selection of the consumer for the offer it was fully determined only the information on the credit application can be used to determine a firm offer of credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek assistance in resolving an issue related to my mortgage account with this bank. During the COVID-19 pandemic, I faced significant financial hardship, leading me to request a modification of my payment plan. Unfortunately, despite multiple attempts to contact the bank, I did not receive any response, leaving me unable to afford the high payments. Post-pandemic, the bank finally responded, and we were able to establish a new payment plan. Since then, I have consistently made on-time payments without any further late instances. However, I have noticed that the late payments incurred during the pandemic have not been removed from my credit report. While I understand the importance of accurate credit reporting, I am currently unable to provide supporting documentation due to the circumstances. I kindly request your assistance in reviewing this matter and facilitating the removal of the late payments from my credit report, considering the extenuating circumstances surrounding the COVID-19 pandemic and the subsequent resolution with the bank. I appreciate your understanding of the challenges faced during this unprecedented time and your assistance in rectifying this matter. If there is any additional information required or if you have further questions, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your time and consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I took out a vehicle loan from M & T Bank for a XXXX XXXX XXXX in XXXX of XXXX and finished paying the loan in XXXX of XXXX. I remember at a point seeing that I was marked late for the final payment I made in person, which I reached out to the bank about. I was advised that it was an error and no payments were late. On my XXXX, the account is marked as PAID/CLOSED/NEVER LATE but when I check XXXX & XXXX, I see that the same payment I complained about in XXXX is still present on my report and calculated as a negative mark. Its confusing because I dont see it on all Bureaus and I was advised that I had no late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: WheredoIstart?! ForaboutfourdaysstraightIhave experiencedallsorts of negatives. BelowisthesituationsI haveexperienced : -Lockedoutofmybanking account'smobileappfor noapparentreason. -Lockedoutofmybank account'onlinewebsitefor noapparentreason. *Hadtoresubmitsecurity questionsalloveragain. -Blockingpurchasesfor suspiciousbehavior, with companiesIhavedone businesswithmanytimes, inthepast. -Outragiouslylongwait timestospeakwiththe FraudDepartmenttoget themtounblock purchases. -Atwo-waytextalerts featurethatallowsyouto approve ( override ) blocked purchases, whichdid n't work.Finally, afterspeakingtoseveralfrauddepartmentagents, wasfinallytoldthatthetwo-wayalerts wouldn't workproperlyuntil14days. Absolutehorriblecustomerserviceexperiences. Somethingneedstobe donetofixtheserepulsive customerserviceissues! Thanksforyourhelp. Takecare.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A