Date Received: 2017-04-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am filing this complaint on behalf of a consumer who was a victim of a foreclosure rescue scam. The consumer is a native Spanish speaker and the following narrative is drawn from multiple sessions the consumer had in Spanish with a Spanish-speaking housing counselor. On XXXX XXXX , XXXX , the consumer filed a complaint with the Maryland State Attorney General 's Office. The consumer, who lives in Maryland, first sought assistance from the Director of a company called XXXX , to s ubmit a loan modification request to M & T Bank, the lender that originated the consumer 's home loan. By XXXX XXXX , almost XXXX months later after the consumer first met with XXXX staff, XXXX XXXX from XXXX called the consumer to tell him that he needed to begin depositing a total of {$1600.00} in cash bi-weekly into his bank account. This was in addition to amount he stated was his monthly income and tax returns from the previous year. XXXX XXXX director of XXXX stated that the consumer needed to make those deposits in cash specifically every XXXX weeks. In order to qualify for the modification. When the consumer first met with XXXX staff, he asked specifically if he could qualify with a current income of {$16000.00}, and XXXX staff resp onded by stating I am the expert on this matter and I know exactly what I am doing, and you just do what I tell you to do. The consumer was given a direct order to make a cash deposit of a specific amount in order for his modification to be approved and the consumer followed it. The consumer expressed feelings desperation to get an affordable modification, so he complied given that they ( the com pany ) were the experts in this subject matter. As a result, the consumer was denied a modification from M & T bank because his income was too high. This was something that also raised a red flag for his ( loan modification ) case because when he tried to reapply again with the right information, the bank did not believe the consumer. When the first modification application was denied, XXXX XXXX advised the consumer to file bankruptcy in order to stop the foreclosure and she referred him to an attorney named XXXX , who reportedly refused to his my case because he saw the inconsistency in income and the possibility of fraud. This consumer has tried a third time to resubmit a modification, explaining the true nature of his case t o M & T bank, and has been denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20737
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Reference to : case number XXXX : M & T BANK : ANOTHER ERROR Please refer to the case number to know the past story but in continuation, I got a letter stating that {$84.00} was paid into my account since XX/XX/XXXX. I immediately went to my account to check and behold I saw another payment for {$19000.00} plus the {$84.00}. which was also credited the same day XX/XX/17. BOTH HAS BEEN IN MY ACCOUNT SINCE X/XX/17. I questioned myself why it was not mentioned in the first mail and official letter not sent ref the {$19000.00}, so I decided to go to the office near me to confirm if the money was mine. I signed in and saw the lady at the customer service desk and asked all the question about the money, I asked her to look into my account and explain why I did not get a letter for the {$19000.00}. so she said I might get it in the mail a later time, All this while I had thought that the money was paid out to me for all my inconveniences I had encountered with this bank and the transactions and their errors, back and forth calls, issues, as I doubled checked with her if the money was mine, she said " if it was credited to you, it is yours ''. then i questioned if the {$19000.00} was taxable, she said she dont think so. then I asked how much maximum I can withdraw she gave me option of up to {$10000.00} from the counter, she wrote a check and took it to the counter. Then she was there for long, I believe all the questions I asked had triggered her to verify. I came out and asked her what the matter was she told me she was verifying. TO MY GREATEST SURPRISE I WAS told AGAIN the {$19000.00} was an error. XXXX..This money had been sitting in my account since the XX/XX/XXXX, I was paranoid not because I could not cash the money but the fact that they just came out of one error and making another one. I am trying to build my confidence with this bank!! they are jeopardizing it. I began to ask questions. Did they just realize it was an error just because I came up to the bank? are they trying to set me up? what if I had spent the money using ATM taking money in small bits, then she said " the bank will consider it as a loss ''. XXXX my mistake right? will they come back to tell me to refund the money,? OR are they trying to play on my intelligence? Why is this bank stressing me out? I will not take this.. I went back home and checked my account, the money had been taken off, I took the check back with me assuming that the transaction never took place but to my surprise this lady had put the amount of {$10000.00} into my account record making it look like It was credited and debited out. OR making it look like my fault, that I was trying to cash money not mine. This is so unfair. I am not in support of that record in my account statement and should be TAKEN OUT. I WANT THAT OFF because that transaction did not take place neither was the checked presented, I still have the check with me. I called the bank to speak with the lady to ask her why she did that, like I had predicted she outrightly told me that " I tried to cash the money that was why it was there '' I reminded her that it is not true because she told me she was verifying the check, she became rude on the phone and told me " she does not have time to argue with me and HANGED UP ON ME. I was still talking thinking she was there, but before I knew it I realized I was just talking to myself. This is not fair, This bank has treated me with so much unfairness, distress and disrespect and had stressed me out mentally and so much inconveniences had happen, saying they are sorry is not enough. This is unprofessional, How many more errors will they keep making? for example, due to the fact that I was scared of the whole scenario, I closed my new company during the period I filed the first claim. I was so scared that it was a sign of bad luck they had brought me, since the beginning of XX/XX/XXXX that I started visiting their office ; for someone to fraud me that quick and they as my bank could not protect my personal account. They can not just pay me {$84.00} after stressing me out and not compensate me for all the troubles. Why should a bank with so much GROSS inefficiency and disrespect to customers still be in existence? I will not accept this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX M & T Bank sent a letter claiming that the information in my file was out of date. How do they know it 's out of date? They required me to place a phone call to update my data ( which may not actually be out of date ). I find it inconvenient to contact call centers, so I took no action. How does M & T even know I have a phone that can place outbound calls? M & T did not state what information they believed was out of date, and did not give a convenient mechanism for me to verify the information. It 's unreasonable for M & T to spontaneously force customers to jump through inconvenient hoops in such an unsolicited manner. VOIP services charge a measured rate, even when dialing toll-free numbers. M & T m ade an unreasonable assumption that I had a phone that could make outbound calls, and also that the phone service would not cost me anything to place the cal l. M & T c losed my account in XXXX apparently for opting not to deal with their call center. They should have mailed me the information they suspec t may be out of date, and provided a prepaid envelope for which to reply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32043
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: M & T Bank issued auto loan to XXXX yr old working woman for XXXX XXXX XXXX in XXXX from XXXX XXXX in XXXX NY. Would not take automatic loan payments deducted from paycheck, kept adding late fees and charges even though payments were being made with much struggling. They repossed in XXXX for 2 missed payments due to illness, at a cost of about XXXX dollars in repossession fees. Had ca r 2 yrs and transmission went 2 times but not covered due to milage, about XXXX dollars total. Pleaded w/bank to lower payments but they just added costs and interest and late fees. They made a predatory loan to a person that just needed a car for work but only had a trade-in to work with. Will end up paying XXXX dollars for a XXXX dollar car all because M & T Bank and XXXX XXXX saw a working class poor person in a vunerable situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12804
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: M & T Bank ad ded {$2100.00} to the pay-off amount because they said the request for the pay-off was within 60 days. The truth is there were several requests for pay-off over the 2 years my property was place into foreclosure b y M & T Bank. These requests were made to M & T Bank an d XXXX XXXX XXXX XXXX ( the serv icer of my mortgage ). There were several discussions between XXXX and I about selling the property as a short sale and other options. These discussions included requesting and obtaining pay-off amounts. It is mean spirited and advantageous f or M & T to c harge me {$2100.00} to issue a pay-off letter when for over 2 years the property was in foreclosure and XXXX was assisting in selling it. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: A qualified written request was submitted to the lender on XXXX with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-12
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I took out an auto loan from M & T Bank in XX/XX/XXXX. I have historically paid my payments at the local branch or online through their web portal. I have consistently paid my account and it was current as of XX/XX/XXXX. In XX/XX/XXXX my primary bank changed hands and the routing and tracking numbers and account numbers for accounts all changed. It has caused much confusion. Thus in late XX/XX/XXXX/XX/XX/XXXX when I learned that M & T had not received my payments placed through their online system I sought to rectify it and immediately made payments online, confirming the new tracking and account numbers. Then I heard nothing. In late XX/XX/XXXX into XX/XX/XXXX I attempted to go online several times to make regular payments and when I attempted to log into my account a message appeared that the M & T website was down. I even called to get further information when I was simply told, " Many customers have been having problems, try again later. '' The problem continued. In early XX/XX/XXXX I was finally contacted by an M & T representative by phone. When I was told that there continued to be issues with submitting payments online I offered to bring a payment to the bank to satisfy all payments that were not received and get the loan back on track. At that time I was told by the M & T Representative that was no longer an option, I needed to pay the loan off in full immediately or my car was to be repossessed! The representative acknowledged that they could see that I was trying to make payments and that each payment submitted receieved a message stating " Success! Your payment has been made! '' However he was completely unwilling to assist me in getting this loan back on track. He stated that even though he could see the banking errors involved, that he would not reinstate the loan upon restitution. I then tried speaking to his supervisor without any support, he simply stood behind the decision to use the nuclear option with me even though they could see I had been online trying to make payments. I then took my issue to the PA Department of Banking and Securities. I just wanted to make the situation right. The PA Banking Department went back and forth with representatives for several weeks, being told, " I 'll get back to you tomorrow ... .I 'll look into things and see what we can do ... I will have an answer back to you by XX/XX/XXXX ... '' It is now XX/XX/XXXX and still no answer. I received a form letter from M & T dated XX/XX/XXXX ( it should not have taken 8 days to get here when mail from PA to NY is typically 1-2 days in transit ) stating that I have 10 days ( from XX/XX/XXXX? ) to give M & T the full balance of the loan. I have also tried to harness the assistance of the PA Attorney General 's Office. I received a letter from them dated XX/XX/XXXX stating that M & T has 21 days to reply to them. As of yet, there is still no response. My contact at M & T is a XXXX, my contact at PA Banking & Securities is XXXX and my contact at the PA Attorney General 's Office is XXXX. PLEASE HELP!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-11
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: Good morning. I would like to file a complaint against M and T bank, specifically the dispute department, as I strongly feel that they did not take my dispute against a transaction I made back in XX/XX/XXXX very seriously, or do what they could to protect my funds. The problem first occurred when I purchased XXXX tickets for a XXXX through a company called XXXX. I purchased the tickets through them because of the seating and sections they had available, as we had a large number of children going and we needed to sit together. Once I purchased the tickets I got an email with the tickets sections moved all over the place ( not in the sections I ordered ). The company would n't let me have a refund ( {$850.00} ) for the tickets so I filed a dispute with M and T bank ( my bank ). The tickets were purchased on XX/XX/XXXX and the dispute was filed the same day. XXXX claims that they hold the right to move sections around or upgrade them if needed, which I did find that it does state that about XXXX paragraphs down in the fine print. However, that is no longer what my dispute with them is about. While waiting for the results of the dispute the date of the XXXX show arrived and we were faced with making the choice of not going to the show and risking losing the dispute/money spent on the tickets AND missing the show, or just dealing with the seating arrangements and still going to the show and forgetting the dispute. Not wanting to upset of bunch of little girls, we decided to just go to the show and deal with the seating changes. However, once we got to the show we found out that the tickets we purchased were invalid and we could n't get in with them. I also found out that the seats had been sold to someone else. I have a representative from the venue that can back up my complaint and was willing to verify all of this with the bank to help me win my dispute. So now XXXX is no only getting my money for the tickets, but also someone else 's who was actually able to use the tickets they bought. I do n't understand how M and T can find it fair that XXXX knew they made the tickets invalid, yet never told me that, and knew they were n't going to work once the show arrived, yet still feel that they are entitled to my money. If the tickets were n't going to work during the time of the show then I should have been guaranteed my money back, especially if they got the money from a third party. Also, a friend of mine who was going to go to the show with us filed the SAME dispute on the SAME day for the SAME reason because of the seating changes and her bank got her all her money back. I can provide a letter from her bank verifying this. So my question is why was XXXX willing to give her all of her money back but not me when the case and dispute are exactly the same? I feel that I provided M and T bank with very strong evidence to support my dispute but they did little with it. I provided them with a letter explaining the whole situation, the tickets with the word " invalid '' written on each one followed by the date and initials of the representative at the venue, the business card of the representative so he could be contacted, and I have an email from XXXX stating that they made the tickets invalid prior to the show. The problem with the dispute department at M and T is that they ca n't be contacted for any reason. You can only fax information to them, which made it hard. I am hoping that you can help me get my money back, and soon. I received a letter YESTERDAY that I lost the case and that they will be taking my {$850.00} out of my account TOMORROW. I do n't think this is fair and truly can not afford to spend that kind of money on a XXXX show. I am happy to provide you with any information you need to help win this and keep my money in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14075
Submitted Via: Web
Date Sent: 2017-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-11
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: My wallet was stolen and {$500.00} was taken from my account. M & T bank is denying my claim because they are saying there is no way someone could access my pin # in order to take the money out. I explained that my SS card was in my wallet and my pin was last 4 of my social but that is not good enough for them. Therefore I am out {$500.00} and they are saying there is nothing they can do. They are basically accusing me if stealing my own money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2017-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-10
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: MY BANK ( M & T BANK ) PAID OUT MY CHECK WITHOUT MY SIGNATURE ON IT I opened a new business, within few months I received a first letter from XXXX ' requesting I pay a sum of {$84.00} for labor law posters for work place -to be sent to my address. On the XX/XX/2016 ( XX/XX/2016 ) I issued an MTB Check No. XXXX for {$84.00} to XXXX XXXX as requested in first letter to issue check to XXXX I mailed that check to : XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX, TX XXXX. But I forget to sign the check. After few days It seems to occur to me I missed the signature and I was making effort to retrieve the check, I went to USPS but the mail had been sent out, I started calling the " XXXX '' but was not successful. So I relaxed and was confident that after all no bank will pay a check without a signature. so I was expecting to be contacted. In XX/XX/XXXX I received a second " XXXX XXXX XXXX XXXX '' letter. this time Renewal and was asking for another {$84.00}. I replied them that the first poster was never sent and they are requesting for another beside the gap from XX/XX/XXXX and XX/XX/XXXX was close, I cant pay again I wrote them. I went to corporate and registration office to showed them the second letter because I was scared of the deadline and payment penalty., there they confirmed that it was not from them, I realized I had been frauded. Immediately I went online to view if the check was Issued or denied on MTBank. I saw a debit in my account. To my surprise it was paid without my signature in it, " the check had another signature not mine but my name and address was on the check and it was paid out ''? I began to ask questions why a bank would do that ' that was a highly incompetent action. I went to the bank to file a dispute once, they never got back to me in months, I went to the bank again to inquire why, the banking staff checked and checked from XX/XX/2016-XX/XX/2016 and did not see the check-it disappeared. and requested I come back the next day to speak to the original staff I complained to. the following week I came back to meet the original M & T Bank staff I filed complaints with then the check reappeared, She found the check, she confirmed that her colleague said she could not see the check the time I came. then she told me that the first claim was rejected because they said they can not pay my money back since the money had already been issued out to the ( Fraudulent ) person. I question how that was my concern. Instantly she file a second dispute, and resubmitted. I also called MTB customer service XXXX number they were throwing me back and forth that someone will call me and that I should contact the back as they would do the same. I told the staff I was on phone with I already did that, later someone called that he will call me back, till today I did not hear anything. After some days the original MTB staff that i filed dispute with called to tell me they were requesting this time for me to submit a letter stating that I do not have account with the other bank. How on earth would I do that?. I do not know the other bank, and I do not have account with the other bank, first I AM SCARED of this bank now, If it was millions of dollars I could have lost it. Please I need my money bank. more importantly, I want to know why a bank would be so incompetent in securing their customers money, Please does a bank now pay out checks without signatures or forged signatures? I am so terrified!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No