Date Received: 2023-10-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Opened a joint savings & checking accounts on XX/XX/XXXX then my wife decided she no longer desired joint accounts with M & T since she had her own accounts with another local bank. On XX/XX/XXXX I opened my own savings and checking accounts with my current debit card now linked to my new M & T accounts-there was {$1900.00} transferred to my new checking account and {$5000.00} to my new savings account on XX/XX/XXXX or so I thought. On Sunday XX/XX/XXXX my debit card was declined three times because there where no funds in my new individual checking account. All my monies had been mystery transferred back to both joint accounts. Over the next ten days I had to call at least seven times to get my monies moved back to my new accounts from the joint accounts. I don't know who-what-when but this was ridiculous. I was also in XXXX XXXX on personal business and won up with two blown tires trying to get to nearest M & T branch in XXXX XXXX, PA [ near XXXX XXXX ] and found it to be under a remodeling event with no assistance there. When I got back home between the four accounts I was told I should have kept track of my individual spending when I didn't know what accounts had my money and then M & T takes 3-5 to post charges. Tried to explain this on phone to their customer service rep " XXXX '' she hung up on me.I closed my accounts now I'm being bombarded with late fees on my two accounts. Who at M & T kept moving my money? Could never get an answer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: i deposit a check into my account on XX/XX/2023 {$300.00} and today is XX/XX/2023 and the check still has not cleared from my account please help me with this i contacted M & T Customer Service and they denied to release the funds on my Payroll Check and wont allow me to withdrall the funds from my account or fix this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX XXXX, my wallet was stolen from me. I immediately reported the incident to the police and to the bank. The bank replaced my debit card. The person who stole my wallet had my account information and my debit card and have used it to purchase some items for {$250.00} from some stores. That money was credited to my account by the bank. However, the person who stole my wallet went to an M & T bank branch at XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX and withdrew {$7000.00} from my account using a withdrawal slip by faking my signature. The date on the withdrawal slip is XXXX XXXX. The statement indicates that the money was withdrawn on XX/XX/2023. The bank claims that even though the fund was withdrawn on the XXXX, the date on the statement is the day it was posted. I was at the XXXX XXXX, MD branch on the XXXX, but the money was withdrawn from the XXXX XXXX. I was at the XXXX branch on the XXXX. to make a deposit but not to make a withdrawal. They showed me a camera footage of me at the casher window. No proof that I made a withdrawal on that date. Furthermore, why would a cash withdrawal take six days to be posted? It doesn't make sense. That is why this clam by the bank has to be investigated. Thank you for looking into this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I received a text message from an unknown number claiming to be my boss, XXXX XXXX. My boss travels a lot and I would not find it uncommon if she had a different number. I was asked to do a favor which involved purchasing XXXX gift cards, and then taking a picture of the gift card and sending it via text to the phone number. The number is XXXX. I first went to the XXXX located in XXXX Massachusetts where I purchased XXXX XXXX gift cards worth {$250.00}. I used my debit card for the purchase. I was asked to send a picture of the card via text and was told that these gift cards were being used for clients. I was told to save the receipts and that I would be reimbursed. I was then asked to purchase XXXX more XXXX gift cards worth {$250.00}. At this time the person on the text told me when they got off the conference call they had great news for me. I was then sent to XXXX to purchase more gift cards. I once again purchased two more XXXX Gift Cards that were worth {$250.00} each. When I went to purchase two more the associate at XXXX proceeded to ask me if I knew who these were going to. I answered that it was my boss that was texting me and that is when she asked if I recognized the number as there have been lots of people getting scammed lately. At this time I realized that could be happening to me. I texted the number back to say that my card was denied. ( which it was not. ) the person on the other line, then asked if I could go to an ATM and get cash. I asked for the person to call me and they stated they could not because they were on a conference call. I then asked for them to text me from the cell phone number that I knew was my boss XXXX XXXX. At this time the person stated they did not have the phone with them. They proceeded to keep asking me if I got more money and that the clients were waiting on me. I blocked the phone number and went to the police station to report the incident. I then called M and T bank to report what happened. My debit card was canceled that night .on Monday XX/XX/2023 my husband dropped off the police report to our local M and T branch in XXXX Massachusetts XXXX We asked for it to be faxed to the investigating team. I called on Tuesday the XXXX XXXX to confirm it had been faxed, which they stated it was. When I checked with the bank on Friday via email, I was told that they denied my dispute and never received the police report. I called the bank to request an appeal on Saturday, XX/XX/XXXX. I also reported the scam to XXXX and gave them the gift card numbers on Monday, XX/XX/2023 but they stated that the gift cards had already been redeemed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: M & T Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has placed and illegal block on my Guardianship checking account and will not remove the block after many phone calls and branch visits. The checking account was opened on XX/XX/23 and the savings acct on XX/XX/23. The court order from the Delaware court of chancery was presented, and copied by XXXX different Bank associates on XXXX different occasions. The order clearly states that an account must be set up to receive the direct deposit from my sons job, and that the allotted amount XXXX may be transferred form that acct to another account, and that account may be used to complete transactions needed ( not to exceed the allotted amount ). Instead of placing the block on the savings account ( acct that receives the direct deposit ) and liftering the hold on the checking to allow transactions to occur via the debit card ( as stated in the court order ), the Bank has blocked transaction on both accounts, not allowing me access to any the the funds that i have been granted access to by the court. i went into the office today again with the XXXX XXXX and showed the associate XXXX XXXX XXXX # XXXX which clearly stated that this could be done. He agreed but said he still couldn't remove the hold. I requested that XXXX call his manager XXXX XXXX about XXXX times before he agreed. Once he called her, she advised him to just " submit another request '' and that i would not be able to have the hold lifted today. When I requested to speak with her, she told XXXX that she " was not taking any customer comments right now '' and refused to speak to me. XXXX also said that if they do decide to lift the hold, they will have to order me a new card, I explained that i did not want a new card and wanted to keep the one i had since it took about XXXX weeks to receive, He said that I will still have to get a new one. I left the bank still unable to access my funds and without the Bank being willing to comply with the court order. I have called the Bank at least 6 times within the past week and was specifically told to visit the branch to resolve the issue... yet when i visit the branch nobody can assist. This is an unlawful block on my account.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I discovered in XX/XX/XXXX that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXX for my mortgage with M & T Bank. At that time, I had a medical emergency that required that I be hospitalized for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. Because I was XXXX at multiple and extended periods between XX/XX/XXXX and XX/XX/XXXX, I was unable to communicate with M & T Bank to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to M & T Bank as the mortgage servicer that I was experiencing a XXXX hardship and other complications caused by a XXXX diagnosis and subsequent extended XXXX I became aware that I was entitled to attest to financial hardship during the COVID-19 emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the COVID-19 Emergency. Up until the medical emergency, I had an on-time payment history with the M & T Bank since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being released from the hospital.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: i requested my monthly statements for 8 consecutive years but they will not comply.but they rather foreclose on me to take my property from me and after XXXX of staying i was told i have no equity in my home and they have taken it upon themselves to extend my mortgage for another eight years the company name M & Tbank my account number is XXXX please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have a checking account that had electronic withdrawals taken out under the guise of " XXXX XXXX ''. I have never used XXXX XXXX. Some how someone was able to get my account number and then withdraw money without my authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: On XX/XX/ I sent out registered notarized letters to M & T Bank to rescind all securities interest. Which M & T Bank declined my request on XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have 3 accounts with M & T bank. They recently put a hold on all of them. They suspected fraud when I sent a certain amounts of money. I called and told them it was not fraud and to cancel the dispute/investigation process. They refused and said they are closing all my accounts and that I am restricted from accessing my own funds. I cant even go to the bank and take money out. Shouldnt have to wait until that is over, if my accounts are closing regardless then they need to let me just get my money now then. Im a single mom, have XXXX children to take care of currently homeless in a shelter and no income. Its ridiculous why I am still waiting. I just want access to get my phones take out my money and go elsewhere while they investigate whatever they need to and close that account. The account needs to be at XXXX balance anyway for it to be closed so they just keep giving me the runaround about my money and refusing to let me just go to the branch and take all my money out!.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01902
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A