Date Received: 2019-01-16
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2018. My brother and I went to M & T bank in downtown XXXX NY to open detect deposit accounts to receive a XXXX bonus like the ad we brought said. Well a lot more than 500.00 has been deposited. And the bank is now telling me after two days of email and calling that the wrong promo code was entered. The person who can fix it is unavailable. We would have never opened the accounts. Except for the offer of the bonus.we are both XXXX and the bank is further away than the previous bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13501
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: My brother and I went to m & t bank in XXXX NY. With a promotional ad for XXXX sign up bonus to open choice checking account. So we both opened accounts. Well, 90 days and well over 4,000.00 worth of deposits between the two accounts. We are told the wrong promo code was entered. Between secure email. And phone calls finally get told wrong promo code was entered. And person is unavailable. Have called corporate customer service. That's how I found out about the wrong promo code. Still no resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13501
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: M & T is giving me a hard time while I try to apply for a modification when it comes to proving my hardship. People suffer hardships at all points in time. I have XXXX XXXX XXXX, was denied for XXXX in 2016. I have done a lot to turn things around for myself since I suffered my hardship in 2016. I started my own business, opened a bank account, got a roommate, and I have been supporting my nephew to get through college. Further, I have been paying my overdue through bankruptcy court. I am more than eligible for a modification and I am fully prepared to start paying a mortgage payment. Lastly, I have provided all supporting documentation to M & T as proof of my hardship as they requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: All of this started when I enrolled in college so that I can have a career that involves me helping others, especially children. I was not working during school and got divorced while in school. Financially dependent on my ex-husband, I was unable to pay my own bills for years and was constantly falling behind. I graduated in XXXX, yet it took a year for someone to hire me. I became a XXXX at XXXX XXXX XXXX in XX/XX/XXXX, and I made the decision to get my financial freedom back. I was aware that it would take time, and I was working slowly but surely to get there. Then, in XXXX, my car broke down. My car broke down on my way to work in a different county from where I live, and one of my bosses came and picked up my son and I from the side of the road. My motor had locked up because I had an oil leak. To get a reliable car, I had to give {$2000.00} as a down payment, which was the cause of me not paying my mortgage at that time. I had to decide to either pay my mortgage and lose my new XXXX job due to no transportation, which would cause me to still lose my house or purchase a more reliable car and pay mt mortgage with my next paycheck. Therefore, I attempted to resolve my past due account by increasing payment amounts ( and making additional payments as well ). However, when I made a payment of {$1000.00} on XX/XX/XXXX and an additional payment of {$250.00} on XX/XX/XXXX, my payments were refused by the mortgage company, and I received letters weeks later from XXXX XXXX informing me to come pick up the payments I had made. At that time, I had not received any letters from M & T stating that my home was in foreclosure, and I was told about the foreclosure by the representative when I called the company to inquire about why my payments were refused.The letter from the mortgage company reached me after all of this took place. At that time, I was behind no more than {$3000.00} and could have caught up my mortgage had the company not refused payments. My purchase price was {$90000.00}, and I owe less than {$60000.00} on my home, which is worth way more than {$60000.00}, and it would benefit the mortgage company more to foreclose and resell than allow me to catch up payments on a home I have lived in and maintained since XXXX. The company sent an application for me to fill out for a workout plan, which put a hold on the foreclosure until a decision could be made, but they turned me down, and I received that letter on the XXXX although the date of the letter is the XXXX. I was given until the XXXX to file an appeal, which I did and mailed it out today through priority mail. I really do not understand why the mortgage company is unwilling to work with me when they know my history because I have had to explain it in requested letters, and I have sent in every document they have asked me to send in and showed every ounce of desire to do what it takes to keep my home. I have been here 15 years. My children grew up here, and honestly, I would like to remain here until my death.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2019-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is the second complaint to this company related to this case ( refer to XXXX ). Complaint was made regarding payments not being applied to account resulting in fees and revoked card. M & T claims they need a letter to resolve case and apply credit back to account, however the other bank ( XXXX XXXX see complaint ID : XXXX ) has no record of M & T 's claim of trying to collect payment. Bank records have already been provided and account/routing numbers have been confirmed. Please see attached both banks responses to complaints, M & T is inconsistent with XXXX XXXX claim. M & T is asking for evidence that can not be provided as they did not request funds per XXXX XXXX letter ( attached ), this is unethical and seems to be a method to skirt responsibility.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/XXXX I called XXXX at XXXX ( a title procurement company working with XXXX ) and spoke with XXXX regarding my auto claim for a vehicle that had been deemed a total loss. XXXX explained XXXX needed a letter of guarantee from M & T bank. We called M & T bank they explained they need the request in writing with the customer name, account number, and VIN. XXXX submitted the request via fax and M & T stated they would send the letter of guarantee by the next morning. On XX/XX/XXXX I called M & T Bank to check the status of the letter of guarantee. M & T bank stated it was not complete yet. I requested to speak with a supervisor. I spoke with XXXX, a supervisor with M & T bank who stated they did not receive the request from XXXX, therefore I added XXXX to the call. XXXX the XXXX representative faxed the request to XXXX as requested by XXXX. I asked XXXX to confirm receipt of the fax and he came back and said the fax was down. XXXX then asked us to email it to XXXX. XXXX submitted the request, 3 pages, via email. I asked XXXX to confirm receipt of the email. He came back and requested XXXX email it to XXXX ( this was at XXXX XXXX on XX/XX/XXXX ). I asked XXXX to confirm receipt of the email. He came back and asked XXXX if she sent it to XXXX, she explained she didnt and resent it to the new email. XXXX confirmed the written request was received and M & T had everything they need. He explained the request would be processed within 2 days. On XX/XX/XXXX I called M & T bank to check the status of the letter of guarantee. The representative stated it was still pending, I requested deferment on the loan and interest and was transferred. I was told my loan could not be deferred while they worked with the insurance company because I had not made the minimum of 9 payments yet. Please keep in mind at this point I had made two payments after the car was deemed a total loss. I called M & T bank back and spoke with XXXX. I requested assistance from XXXX to resolve the issue on the account. XXXX research to the account and stated they had not received the written request from XXXX. I called XXXX while XXXX was on the line and we spoke with XXXX, XXXX explained that the written request has been submitted on four different occasions previously. XXXX agreed to resubmit the written request. XXXX and I ended the call with XXXX. I asked XXXX to confirm receipt of the written request from XXXX. XXXX placed me on hold to check the status of the request, when she returned she stated that it had not been received yet but it could take some time. I asked her how long it would take to resolve the account and send a letter of guarantee. She said that they will try to work on it today but it probably wont be until Wednesday. I explained that was unacceptable as I was told it would take two days, 10 days ago. I asked to speak with her supervisor and I was transferred to XXXX. XXXX explained that they did not have the resources to keep me abreast of the progress regarding my claim or to complete it today. I requested to speak with her supervisor and I was transferred to XXXX. XXXX checked the status of my claim and explain that they are waiting for the written request and that the insurance department is out of the office but he has identified another department that should be able to process the request. He said he will reach out to XXXX via XXXX to have the written request submitted directly to him and he will work with the appropriate department to process the request for the letter of guarantee. I requested that he call me back before the close of business on XX/XX/2018 with an update and he agreed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2018 at XXXX XXXX I received a phone call from a local XXXX area code from a woman claiming to work at M & T bank. She let me know of some suspicious transactions on my checking account, and asked if I had made these purchases. I let her know that I did not and confirmed that I wanted my debit card suspended. At that time she verified my mailing address to have a new card shipped out. I checked my bank account following this and saw 4 separate deductions all around the amount of {$97.00}, three right in a row and one shortly before this. The conversation led me to believe an issue had been identified, but had comfort in thinking this was being handled and resolved. On XX/XX/2018 I called to inquire on the status of the debit card and fraudulent transactions and was told that the debit card had been sent, but to the wrong address, and that nothing was happening with the charges.The representative was not able to see the initial conversation and didn't seem to know what I was talking about. After several minutes, I was told that I had to come into a branch to request a new card be sent and that I would receive paperwork to dispute the charges within 90 days.I did this shortly after the phone call and was told a new one would be here by Friday. Today in checking my account I saw that another 2 fraudulent withdrawals are pending. As of now, there are 6 charges all ranging around {$90.00}, plus 7 {$2.00} " international fees '' from the " XXXX '' and " XXXX XXXX '' company. This totals XXXX. I've been told that I can have a " credit '' for the amounts taken until the bank is able to resolve the dispute. This was good enough until two additional charges somehow processed. This should not have been possible, so I'm not sure at this point how many mistakes have been made by M & T, but it's clear that they've made numerous. This entire situation was severely mishandled, if handled at all and I am truly appalled by this. I've been a loyal customer to M & T for years, but now feel that if they can't protect a few hundred dollars in my checking account, they can not ensure the safety of the large sum of money I have with them in savings. This started with M & T going out of their way to notify me of suspicious activity, but has resulted in extreme inconvenience because I now, for some reason, have to manage the entire situation. All accounts will be closed from M & T ; they have lost a valued customer because of this horrid example of professionalism and protection. We are looking to purchase a home and considered M & T as a potential lender, but now have absolutely no desire to entrust our finances with this entity. I will ensure that everyone I speak with knows the poor quality of data protection and security M & T provides.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14216
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable. Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable. Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mr. XXXX XXXX CAM Escalations Analyst you stated in your response to me that " 22 property inspections fees of {$14.00} each assessed by XXXX due to delinquent status of your mortgage loan between years XXXX and XXXX ''. However, a review of my mortgage history shows my mortgage payment was made for the months in that year. I can't see the justification of these excess illegal fees. My mortgage was not in foreclosure and not was it excessively delinquent. What are these ( 22 ) {$14.00} fees for?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12553
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A