Date Received: 2018-10-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Check Fraud XXXX XXXX XXXX check # XXXX dated XX/XX/18 for {$10000.00} for non-retirement account with XXXX XXXX to pay financial advisor fees Mailed Sunday XX/XX/XXXX at XXXX collection box at XXXX on corner of XXXX XXXX XXXX and XXXX XXXX XXXX. Was in security envelope addressed to XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Post office either XXXX XXXX or XXXX XXXX XX/XX/XXXX cashed by pay to the order of XXXX XXXX no account number or bank stamp- do not know this person XX/XX/XXXX received an email from XXXX XXXX XXXX that account was under {$25.00} after XXXX electronic transaction for {$10000.00} XX/XX/XXXX notified that account was overdrawn. {$35.00} returned item fee XX/XX/XXXX XXXX XXXX, XXXX from M & T Bank called my house. Returned her call XXXX. She interrupted the check, " Don't worry. I have your money. Go to XXXX XXXX XXXX and fill out Check Fraud Statement of ClaiXXXX. Sign document, have notortized. Fax to XXXX with claim number '' Email contact at XXXX XX/XX/XXXX went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX and spoke to XXXX, XXXX XXXX. I was directed to call XXXX XXXX XXXX Check Fraud Claim on Monday to initiate a claim. Dept closed on Sat. She determined that check was cashed at a XXXX XXXX XXXX- unable to verify depositor. XX/XX/XXXX Called XXXX at Check Fraud Claim at XXXX XXXX XXXX XXXX Case # XX/XX/XXXXXXXX analyst will be assigned, will take 90-126 days, information will be sent in the mail. Put in to refund check returned item fee of {$35.00}. Recommended to freeze account and open new account. Instructed me to file incident report with county police. XX/XX/XXXX will be XXXX business days from initial claim on XX/XX/XXXX Incident report filed with XXXX XXXX County police XXXX XXXX ID # XXXX non-emergent line XXXX Incident report # XXXX. Instructed to call Financial Crimes Unit XXXX, XXXX XXXX Financial Crimes Unit instructed me to file mail theft claim with XXXX XXXX Filed online with XXXX other- Postal Inspector-mail theft-file complaint case # XXXX XXXX will call my cell within 1 day XX/XX/XXXX XXXX from XXXX XXXX XXXX Check Fraud Claim Dept called and transferred me to XXXX XXXX Update case- bank of first deposit was M & T Bank Manufacturers and XXXX XXXX XXXX XXXX XXXX XXXX call to check claim, I am awaiting funds if funds are not returned in XXXX business days- will need to get seizure warrant from police dept. XX/XX/XXXX will be XXXX business days from initial claim on XX/XX/XXXX XX/XX/XXXX XXXX appointment with XXXX XXXX, XXXX, XXXX XXXX XXXX left old account open with enough funds to cover outstanding checks All other funds transferred to new account with new checks and debit/ATM card. XX/XX/XXXX waited for check fraud claim form to be mailed from XXXX XXXX XXXX. Went to XXXX XXXX XXXX, had Check Fraud statement notarized and faxed to XXXX check fraud department. XXXX and I both mailed statement to check fraud deartment. XX/XX/XXXX Spoke to XXXX at XXXX check Fraud. XX/XX/XXXX Received statement- " is on file, in route to M & T Bank '' XX/XX/XXXX email from XXXX XXXX XXXX at M & T XXXX Never received documentation. Contacted XXXX at XXXX will resend today. XX/XX/XXXX email from XXXX, XXXX at M & T. Never received documentation. XXXX with XXXX at XXXX statement was sent XX/XX/XXXX. Will verify/check M & T information and resubmit. I scanned Statement and emailed my copy to XXXX. She received it right away, but it had to be official bank letterhead. It was the correct form. Long story shorter- XXXX resubmitted Check Fraud Statement to M & T Bank 7 times before M & T acknowledged receipt. ( I have specific dates and persons named ) XX/XX/XXXX M & T refunded partial funds {$5900.00} to XXXX Check Fraud department. This was finally credited to my account XX/XX/XXXX after I insisted. XXXX was going to keep partial refund until they collected entire {$10000.00}. XXXX XXXX at M & T Bank said by the time M & T received claim paperwork, account was depleted and case was closed. XXXX legal department has sent 7 demand letters to M & T- no response. XX/XX/XXXX I contacted chairman and CEO of XXXX XXXX email XXXX XXXX XXXX XXXX XXXX XXXX. Filed formal compalint. XX/XX/XXXX called XXXX police, sheriff, clerks office and commissioner- none of these departments can help. Had 1 hour meeting with XXXX of my XXXX branch, XXXX XXXX. XX/XX/XXXX detective at Financial Crimes Unit returned my call. USPS Inspector General investigates and charges person. XX/XX/XXXX met with my lawyer XXXX XXXX XXXX Instructed me to notify CFPB and file complaint. XX/XX/XXXX contacted XXXX at Check Fraud to see if there has been any progress. Could take another 90 days. XX/XX/XXXX I give up. I need someone in authority to get answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, a XXXX XXXX Transfer was set up fraudulently in the amount of {$300.00} ( x3 transactions ) and {$150.00} ( x1 ) for a total {$1100.00} to come out of my checking account, as an ATM bankcard transfer. I did not set this up. I did not provide my ATM information to anyone and believe my card must have been fraudulently copied or obtained illegally. I notified the bank the same day when I received an email confirmation from XXXX XXXX regarding the transfer. The bank initially closed and refunded the money. However, the bank then came back and denied the investigation stating they found the charges valid. M & T Bank confirmed the money wire was picked up in The XXXX, NY on XX/XX/XXXX. XXXX XXXX claims the money was picked up in XXXX Washington on the XX/XX/XXXX. The transfer was set up in the name of XXXX XXXX XXXX. XXXX is my maiden name which I haven't used legally since XXXX. XXXX XXXX stated XXXX XXXX XXXX ( my daughter ) was the receiver of the funds, but she was not the receiver of the funds. I have sent funds to my daughter in the past in XXXX but it required a confirmation number. These funds did not go to my daughter and I did not authorize funds to be transferred. I believe someone has used previous transaction records to fraudulently set up this transfer. I have disputed this with the bank and XXXX XXXX. XXXX XXXX complaint was filed with them in XX/XX/XXXX and they have delayed the investigation and have not gotten back to me. They asked for a police report which provided in XXXX. As of XX/XX/XXXX at XXXX, Ms. XXXX told me to call back in another week. They always stat e to call later. Several case # s assigned. Bank and XXXX XXXX refusing to help. I had bill pay set up on my account and this has caused significant hardship with overdraft fees and late payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I foreclosed on a small strip center in XXXX California in XX/XX/XXXX. Foreclosure was due to default on my second deed of trust. The first XXXX is still in place. Ive been making payments to the servicing agent, M & T Bank for the last eight years. The loan has a tax impound account of approximately {$11000.00}. The bank will not communicate with me despite sending proof of ownership on multiple occasions over the past seven years. They will only talk with the original mortgagor who has not been available. The property is currently in escrow to be sold. I now have no way to retrieve my {$11000.00} currently in the impound account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 933XX
Submitted Via: Web
Date Sent: 2018-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have made numerous attempts to close my account. When I brought the account to a zero balance, they did not close the account promptly and have been charging additional fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: In XXXX of 2018, I financed a new travel trailer from XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX on XXXX XXXX in XXXXXXXX XXXX, FL. The loan closed on Thursday XX/XX/XXXX, with XXXX XXXX XXXX employee XXXX XXXX. During the loan closing, the terms were presented as well as the monthly payment with ALL ancillary products, specifically, and including : 1. Travel Trailer Service Agreement ( XXXX XXXX XXXX XXXX ) 2. Good Sam Tire and Wheel Service Contract ( XXXX XXXX XXXX XXXX ) 3. Good Sam GAP Deficiency Waiver Addendum ( XXXX XXXX XXXX XXXX ) 4. Exterior/Interior Protection Package ( XXXX XXXX XXXX XXXX ) The premiums for the add on products were disclosed on the itemization of amount financed, but I was never quoted a payment without the ancillary products. Mr. XXXX was assertive that being " fully protected '' would only raise the payment $ XXXX monthly. After I returned home that day, excited about the new camper, I proceeded to really look closely at the paperwork. The finance charge was almost as much as the trailer itself. Granted the loan ( which was approved through M & T Bank ) was on a 15 year term, but after looking at the deal in a loan calculator without the {$6800.00} in add-on products, the monthly payment on {$11000.00} loan at rate of 6.74 % would have been {$98.00} on a 180 month term. This was never disclosed, and the manner in which the monthly payment was presented was in fact a false statement from Mr. XXXX and both an unethical and deceptive manner in which to do business. On XX/XX/2018 I sent an email to both Mr. XXXX and a Mr. XXXX XXXX ( another AC RV associate who was helping us thorough the purchase process ), advising them that I wanted to cancel ALL add-on products. In the email, I referenced the year, make, model and VIN # of the trailer as well as the closing date of the loan. In addition, I asked that any cancellation notices that needed to be signed on my part be provided to me by XXXX XXXX ( aka XXXX XXXX ). Later that same evening, ( XX/XX/18 ) I forwarded the email I had sent Mr. XXXX and Mr. XXXX to XXXX XXXX, the Sales Manager for XXXX XXXX XXXX. On Thursday XX/XX/XXXX, after not receiving a response to my XX/XX/XXXX email, I proceeded to visit the XXXX XXXX XXXX ( XXXX XXXX ) location where purchase was made. While there I spoke with Mr. XXXX XXXX and advised him that I wished to cancel ALL of the add on products. It was at this time that Mr. XXXX provided me with the XXXX Cancellation Checklist. He advised that it needed to be completed for submission. I completed it on the spot, and even had Mr. XXXX provide me a copy with my signature which was executed on the same day, XX/XX/18, one week after loan closing. On XX/XX/18 I spoke with XXXX in the M & T Bank call center. I apprised him of the situation and he transferred me to Sue in the M & T Bank servicing department. Sue asked that I fax the following information to their installment loan servicing department : * name * account number * contact info * general synopsis of what the issue with the dealer was This was sent to M & T the next day, on XX/XX/2018. Shortly thereafter, I spoke with XXXX XXXX in the M & T research department. She advised me that my information was received and that she would begin taking the necessary steps to get the {$6800.00} refunded from the dealer and applied to the loan balance. I had asked her if the loan could be recast or re amortized after the refund. She advised me it could not. I told her that I would make the payment as shown on the payment coupon, so as not to impair my excellent credit rating. Ms. XXXX advised me that it would be several weeks before the process would be complete. On XX/XX/2018, I called M & T Bank again. I spoke with XXXX in the call center. He advised me they " have all the info they needed ''. He explained that the last update was from XXXX on XX/XX/18 and they were continuing to follow up with the issuing companies. XXXX explained that " we '' ( as in M & T ) could look at recasting after funds were applied to the account. He explained that I could follow up in 7-10 days if I didn't hear anything. Today is XX/XX/2018. It has been almost 90 days since I visited the XXXX XXXX ( XXXX XXXX ) dealership where I made my purchase to cancel the add-on products. To this point, I have never had ANY follow up with XXXX XXXX XXXX ( XXXX XXXX ). I also reached out to M & T Bank again today. I spoke with XXXX in the Call Center and asked for my call to be escalated. I was transferred to a Call Center Manager, XXXX, who was not able to provide any further information towards resolution. At this point, I am tired of having to continually repeat my story, so I am seeking help from the CFPB. In terms of the products added on to the trailer, the premiums to date, have yet to be refunded. Also, just to be 100 % clear, the Exterior/Interior Protection Package was never applied, so I am not trying to seek a refund for something that was actually added. I continue to pay both principal and interest on products I sought a refund for 3 months ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/2017, I made a late payment on my mortgage to M & T Bank. It was not yet past 30 days, but it was late. I paid via my online checking account from XXXX. I entered the wrong address for M & T, and the check was sent to their office in Texas. The money immediately left my checking account, so I figured they received it. They never did, so I had to cancel the check from XXXX, and I re-sent the payment online, this time on M & T 's MyMortgage website. At this point it must have been past 30 days late. When I spoke to customer service, they said they'd charge the late fee but it would not show up on my credit report. Now, almost a year later, a mortgage broker pulled my credit and it's showing up as a negative mark on my credit report. M & T says they can not remove the negative mark, that I have to file a dispute with the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: There is apparent misconduct on the part of the credit card company. I have attached the Affidavit and Exhibits referencing the misconduct and want to make sure that the appropriate person at the bank gets this information. This is the same documentation that I overnighted, on XX/XX/2018, through the United States Postal Service and mailed to M and T Bank Legal Document Processing at XXXX. XXXX XXXX in XXXX, NY XXXX. The bank should receive this document by Monday, XX/XX/2018 and I want to make sure that the issues in the attached documentation are received and addressed promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75228
Submitted Via: Web
Date Sent: 2018-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-27
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Called in XX/XX/XXXX to get payoff of loan a guy told me i had ten days to mail in check to M & T Bank in XXXX XXXX XXXX. I did that and shows transaction date of XX/XX/18 payed the {$13000.00} which the guy told me. then on XX/XX/XXXX, got a bill saying that I owed {$160.00}. Called up again waited 20 minutes on hold and the woman that answered she said that they had no record of me asking to pay it off. I asked to talked to supervision and waited over ten minutes and a guy came on said his name was XXXX at XXXX what ever that means, he said that it wasn't called in for payoff so i would have to pay {$89.00}. I as why it was that cost when i owed over {$13000.00} the interested was only {$88.00}. But i sent a check that day to get rid of that bank. Monday XX/XX/XXXX i got a letter from XXXX XXXX i called the bank again and they couldn't explain what this letter meant and would would have XXXX call me if i gave my phone number. No calls so I called back again talked to a XXXX, she said she didn't know anybody by that name and couldn't help me. I told her i wanted to talk to a supervisor or someone that knows what going on. She put me on hold for over 10 minutes and that guy XXXX came on. Said that was a letter stating that they would begin the pay work ten days after the loan was payed in full but would not let me talk to this XXXX, and showed the extra money was payed XX/XX/XXXX and that they have up till ten working days to start this process and could take a while to do. So i wanted to make this know of this and asked how could there be {$89.00} interest on a loan that sent all the money in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2018-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX, my husband called M & T Bank about refinancing our home. I was laid off in XX/XX/XXXX and since that time we have had trouble making our mortgage. We have been in our house since XX/XX/XXXX. The bank told my husband our payments would be higher and there wasn't anything they could to help us at that time. They saw that a payment had been made for XX/XX/XXXX and did not say anything about owing anything else, late payments, nothing! We were aware that we owed two payments, but nothing was mentioned. We called M & T Bank on Tuesday XX/XX/XXXX to schedule the 2 payments that were needed. Schedule for the XXXX and XXXX. That is when we were rudely told that we were behind 6 payments and that our house was in foreclosure. We needed to talk to the lawyers. Of course that sent us into a tail spin of confusion, fear, and anger. We couldn't understand what happened. On XX/XX/XXXX, my husband contacted M & T Bank and spoke with XXXX. We were then advised that our payments had increased by {$83.00} and we had not made any payments since XX/XX/XXXX. Sorry but he was not able to do anything else and we needed to speak with the lawyers about the foreclosure. We received a letter from M & T Bank dated XX/XX/XXXX about past amount due {$7300.00}. Looking at the papers, noticed they received the payment of XXXX XX/XX/XXXX. About the same time, we received a letter from XXXX XXXX XXXX XXXX. stating that they are collecting a debt and we need to call to obtain amounts that have been determined that are due. We called their number and were told we need to send any information regarding our loan from M & T Bank ( last statement ), etc to see what our total payment would need to be to save our house. Upon being frantic and confused, on our bank record, we sent payments via from our account XXXX to the receiving bank M & T Bank. All these dates were confirmed and received by M & T Bank XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have paid the monthly mortgage payment thru bill payment from our XXXX account for over 2 years to M & T Bank. We already know the amount was going to be at least {$7300.00}, so XX/XX/XXXX I borrowed against my 401K. Unfortunately, it wasn't enough. This situation has put us into deeper debt. We had to borrow from friends, parents, XXXX, and pawn some items. I scanned and emailed XXXX XXXX XXXX XXXX. XX/XX/XXXX our last M & T bank statement with the attached paper dated XX/XX/XXXX, XXXX XXXX record confirming payments habe been made to M & T Bank, and their XX/XX/XXXX paper attempting to collect a debt. We called the lawyers every other day to try to get a quote of how much it was to save our house. We were eventually told {$9300.00} on the phone. We received an official letter XX/XX/XXXX that the {$9300.00} was due by XXXX on XX/XX/XXXX. We wired the money XX/XX/XXXX before noon. We even called the Loss Mitigation Department to make sure they received the payment. It took 15 minutes of being on hold to " locate '' the funds. Then XX/XX/XXXX we receive a letter from XXXX XXXX XXXX. ( XXXX XXXX XXXX ) that due to correspondence I sent XX/XX/XXXX to them, they were instructed from their client ( M & T Bank ) to close the file. No foreclosure sale is set and file is closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37323
Submitted Via: Web
Date Sent: 2018-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-19
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: M & T Bank offered me a consolidation credit card loan for my XXXX XXXX credit cards. However, M & T Bank sent one of the checks to an incorrect address and after several weeks, M & T Bank is continuing to refuse to provide me with total loan. M & T Bank has forced me to have to pay the debt from my personal bank account as I do not have access to the this portion of the loan M & T sent to the wrong address. Also, M & T Bank lured me into the XXXX, NY branch under false pretenses to sign a letter taking responsibility for M & T Bank 's error of mailing a check to the wrong address and is refusing to provide me with the money even after several weeks. I visited the XXXX, NY branch on multiple occasions ; contacted the M & T Bank customer service ; contacted M & T Bank corporate office ; and M & T Bank is refusing to refund me the money from the loan that M & T Bank lost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14450
Submitted Via: Web
Date Sent: 2018-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A