Date Received: 2023-11-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There was an unknown transaction on my card on XX/XX/2023. This transaction occured at XXXX store location for {$230.00}. I was not physically in the XXXX on that date and I had my debit card with me. I brought proof of my travel documents to M & T bank branch at XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX to bank representative. The bank credidted me the amount {$230.00} while they conducted their investigation. After XXXX days I recived an official answer that my disputed transaction was denied despite proving to them that I was not in the country at the time of the transaction, I had my card physically with me in XXXX, and I never made any purchases at any XXXX location or online!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: We were a customer of peoples bank with an account ending in XXXX established in the year 2000. Recently M & T bank took over. We have a checking account that monthly receives XXXX rent payments from tenants. In XXXX and XXXX M & T started rejecting our tenants rent payments but did not make us aware of the rejections. The tenants then had to notify me that their XXXX payments were being rejected. These are the exact same XXXX payments that come in with regularity each and every month from these tenants. I called M & T and inquired about this issue and they found no issues or fraud warnings assigned to our account that would cause this and subsequently lifted the block on our account so that the tenants could pay their rents. Then in XXXX XXXX M & T XXXX XXXX complete access to their online banking. No one could tell me why. I spoke with Customer service, the fraud department and they made me speak to the local Branch ( Branch inside XXXX XXXX XXXX in XXXX CT ) where I originally opened the bank account in 2000. The bank kept passing me around with out any resolutions. In total approx XXXX hours was spent on the phone with the bank including having to wait in the long queue for this fraud department. No one was able to help me but the local bank also has no active XXXX on site. A young woman did try and help me but stated the only way I could have access to my online banking was to come into a branch and physically hand my identification to a bank employee. They are fully aware of our residence because our mailing address on our account and which I confirmed with them is a South Carolina address 23 years we have had this bank account and have had XXXX incidents. We recently moved to SC from CT and I am not able to physically go XXXX of their bank Branches. I offered to answer any questions they might have as well as to provide a copy of my ID or do a phone/video call. None of this was acceptable and they refuse to allow access to my online banking. I have since closed my account but now have no access to any of the historical data and statements and will not have them available for tax season.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29910
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: This company is constantly trying to steal the money the state sends to help me and they do whatever to cover their tracks. First time they told me I had to get paperwork filed and notified, which cost me money. I told them I was waiting for help from the state and they said I still needed to have to paperwork done and they would figure it out when the money came. They tried keeping the money and using the excuse that I had that paperwork done which they told me to do. I had to file a complaint to get it applied to where it should be. Now the state sent more money and they stole that and said it went to my escrow shortage, which by the way they went up significantly on my mortgage using the same excuse about an escrow shortage. I have already talked to the state who sent the money and the said the money was sent to help me with monthly payments. There is no way I was {$9000.00} short in my escrow but this company will do whatever to cover their tracks to keep the money. I need genuine help, I need to know who I can go to to really get this resolved. They are stealing from people who need it. I was in a bad accident and have my neck, back and a rib broken and can not work right now. That money was sent for my mortgage payments but this company practices shady tactics to steal money from people
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: May this letter find you in good health As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. I understand the importance of maintaining a positive payment history and take full responsibility for these oversights. I kindly request your understanding and assistance in removing the recorded late payments from my account history. M & T BANK XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or M & T BANK customer service representative. I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed. I appreciate you taking the time to consider this request. I value your efforts in assisting me in keeping my account information accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90501
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/2023, attempted to open a new small business checking account at the XXXX, VA branch located on XXXX XXXX XXXX. During the account opening process, I was met by the branch manager and a second customer services representative. After providing my EIN number and identification to open sole proprietorship account, the branch manager became defensive and abruptly left in order for the customer service representative to assist. The branch manager also indicated that I would receive the necessary disclosure and account opening documents on Wednesday, XX/XX/XXXX, which I would be required to sign and return via email. However, despite multiple inquiries, I have not received any correspondence from the branch manager or the representative. I am of belief and suspicion that this stonewalling is a result of XXXX discrimination.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've previously notified the appropriate creditors about these bogus accounts, and I've sent along all the supporting documents needed to confirm their fraudulent status. Several credit reporting agencies have quickly deleted these accounts from my credit report after realizing the bogus activities. I respectfully ask that you expedite the investigation and swiftly remove the false information from my credit report since the other credit bureaus have successfully erased these accounts following appropriate verification. XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX XXXX XXXX customer service. I value your quick attention to this issue and anticipate seeing the repair appear on my credit record shortly. Additionally, I would like a copy of the most recent credit report to be sent to the address I provided above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91722
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: In XX/XX/XXXX, I enrolled in Auto Pay on my Mortgage and to be paid on the XXXX of each month. On Sunday, XX/XX/XXXX, I signed into my online portal to confirm my payment was processing and I did not see a payment pending ( i.e. scheduled ) nor did I see anything processing in the portal. The only thing I saw was the next Auto Pay date was scheduled for XX/XX/XXXX. Due to it being a XXXX weekend, I decided to wait until Monday ( XX/XX/XXXX ) to see once the systems refresh if it will reflect the auto pay. On Monday, XX/XX/XXXX, I signed on and again, did not see a scheduled payment for XXXX nor did I see a payment in process so I manually scheduled a payment on XX/XX/XXXX to be paid on XX/XX/XXXX. As the day progressed, I felt uneasy and that a double payment was occurring, so I later went in and canceled my manual payment. After I canceled and received a confirmation of cancellation, when the site refreshed, it showed two payments had now been posted. I called and emailed customer service and they stated there was a site glitch and the payment had been successfully canceled however, obviously, it was not because everything in the portal was showing that two payments were being applied. Nevertheless, to keep this short, due to a site glitch, M & T bank ended up debiting me for two ( 2 ) mortgage payments for the month of XXXX. This was allegedly escalated for further research but I still have not heard back from the company as to what happened and why they debited my account twice. Furthermore, what if I lived paycheck to paycheck, this error made on the bank 's behalf can devastate a Consumer. I want the CFPB to investigate and make sure M & T Bank provides a response to this inqurity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I just had a Complaint on this BANK M @ T, An they sent me a letter stating untrue events, an I wan na put another complaint in, because ever since I received the letter from them, I still haven't came to know resolution. Everytime I calls they Answer, Once I say who I am, they don't come back to the Phone. So it's obvious they're mad because I put a complaint on them, now they're really not helping me, an I'm 60 days past due, because they know they're wrong an everything in that letter was not the Truth, j called them numerous times trying to resolve this matter, I was brushed off until I put the first complaint in. I called this bank yesterday to setup a payment arrangements as the letter states, an I spoke to a representative, then he hung up once he pulled up my file, then I called back, got another representative they pulled up my information, an never came back on the line, as if they're trying to be funny. If the letter they sent me asking to call an clear this situation up, why are they not helping me out, because they know I'm a minority an their taking advantage of that, ( XXXX XXXX ) Their not honoring their letter they provided to me, I told them about everything I was going thru an The help i needed from them because the interest Rate is out the Roof, an how can anybody pay that at this TYPE OF RATE, AN THEY STILL HAVEN'T TRIED TO HELP ME WITH REFINANCING, SOMEONE SHOULD HAVE REACHED OUT TO ME FIR REFINANCING, BUT YET AN STILL NOTHING HAPPENED, SO I NEED CFPB TO STEP IN AN HELP JE RESOLVED THIS, BECAUSE IT SEEMS AS IF I NEED A ACTUAL CONSUMER LAWYER FOR MATTER, BECAUSE IM NOT GETTING NOWHERE WITH THIS BANK AS I STATED IN THE PREVIOUS COMPLAINT, THAT'S HOW I KNOW THE DEALERSHIP GOT A HOOK UP WITH This BANK SOMEHOW.. BECAUSE THEY Will TALK TO Them BUT NOT ME, An I'm the one whose paying them, that's how I Kno something not rite here!!! I have an XXXX XXXX XXXX XXXX XXXX sister I take care of, I NEED MY VEHICLE, BUT AT THIS RATE, WITH ALL THE IDENTITY THEFT AN DATA BREACH BY XXXX AN THE CLOSING OF MY ACCOUNTS, DUE TO THIS MADE IT DIFFICULT FOR ME, AN WHERE'S THEY'RE COMPASSION FOR WHAT IM GOING THRU, {$670.00} IS ALOT TO.PAY RITE NOW FOR A VEHICLE THAT NOT WORTH THAT MUCH, ITS 5 YEARS OLD NOW, THE CAR BEEN DEPRECIATED THE MINUTE I LEFT THE DEALERSHIP, NOW ITS REALLY WORTHLESS, BUT I'M PAYING A BILL AS IF I HAD A BRAND NEW VEHICLE. I NEED HELP WITH THIS BANK, UNDERSTANDING MY ISSUES. THAT'S WHY I SENT THEM A LETTER TO RESCIND THIS LOAN, AN GIVE MY BACK THE MONEY I'VE ALREADY INVESTED, SO I CAN FIX THIS VEHICLE, BECAUSE DIFFERENT MECHANICAL ISSUES ARE STARTING, THE BANK DON'T WAN NA HONOR THAT EITHER, ALL THEY WANT ME TO DO IS PAY THEM, WHAT THEY Claiming I owe them. This is Absurd... I calling to resolve the issue, an they're ignoring me still as the were before, Something is not rite with this Bank their banking Practices are unfair an their not Consumer friendly, but quick to take your money, an slow to help u when u need help from them. They lied an said I never called them. I've called a few times, how do u think I know I couldn't REFINANCE because they told me, I needed a COSIGNER, I didn't need a COSIGNER to get it, y I need A COSIGNER to get my monthly rate lowered, the Rare is so high, it look as if I never made a payment, an this bank knows this is not rite!! I DON'T WANT MY CAR REPOSSESSED, WHEN I'M TRYING TO RESOLVE THIS BECAUSE THIS BANK IS NOT TRUTHFUL. NOR HONORABLE, OR CONSUMER FRIENDLY ... ITS ALL ABOUT GETTING YOUR MONEY, WHATEVER ILLEGAL TACTICS THEY GOT TA USE, THEY USING IT, BECAUSE THEY KNOW THAT I DON'T KNOW, SO IT'S EASY TO GET OVER ON ME AS WELL AS THOUSANDS OF OTHERS, WHOSE IN MY SITUATION, I NEED CFPB TO STEP IN AN HELP ME GET THIS RESOLVE, THIS IS NOT FAIR TO ME AT ALL, AN ANYBODY ELSE GOING THRU THIS THE ECONOMY IS SO HIGH RITE NOW, EVERYTHING IS UP, EVERYTHING GAS, FOOD, RENT, IM PAYING MORE FOR This VEHICLE THEN ANY OTHER BILL I HAVE, AN THE BANK DON'T CARE AT ALL, I SHOULDN'T BE SUBJECTED TO A Bank THAT DOES THIS, IF I WAS PAYING THEM MY MONEY THEY SUPPOSED TO BE ABLE TO Help ME, THAT'S Y THEY HAVE REPRESENTATIVES AN BOSSES, AN CORPORATE OFFICES, IM NOT UNDERSTANDING THIS BANK, I NEVER HAD THESE ISSUES AT NO OTHER BANK, AN THIS IS NOT MY FIRST VEHICLE, I WILL NEVER RECOMMEND THIS BANK TO ANYONE, THEY ARE VERY VERY VERY DIFFICULT TO DEAL WITH, I'M GOING TO EXPOSE THEM ON SOCIAL MEDIA, SO THAT OTHER PEOPLE DON'T GET SUCKED INTO THESE PRACTICES OF FALSE MALFEASANCE, ALOT OF THESE BANKS ARE PRACTICING
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Hello, Hope all is well. I am emailing you regarding missed payments published on my credit report. Upon final payment to payoff and close the account, we agreed that you would remove the late payments off my credit report. You were aware of my military status and reasons behind the late payments. I am in the process of purchasing a new home for my family and these alerts popped up from my lender. I've reached out with multiple letters disputing what we agreed upon. Yes, you mailed me a final report of each transaction since ownership, but we agreed to remove the late payments if/when I sell the home. Please take my plea into consideration and help a veteran out by allowing him to provide a home for my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89166
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I received a collection notice from my township in the mail on XX/XX/16, stating that our property taxes had not been paid and that additional late fees had been added. After contacting the property tax/escrow department at my bank and mortgage lender ( M & T Bank ) they informed me somehow in their department they entered an E instead of a D for the parcel number ( despite being provided the correct documentation and number from my end ). They used MY escrow to pay for an adjacent Unit 's property taxes. A person in the department submitted a tax delinquency form which will take up to 14 days to review. It is not until after that, they said, that I can then try and submit claims/paperwork to get the penalty fees paid for or submit a complaint. This has now taken me over 24 hours to figure out, something the bank was not even aware of until I called. And now will resort to weeks of stress and additional phone calls/emails that I have to deal with all because the bank messed up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A