Date Received: 2016-05-05
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: Dear XXXX XXXX. I am writing to you in regards to unsatisfactory resolution on the above mentioned disputed item on my M & T Debit Card. On XXXX XXXX, 2016, I attempted to make a purchase with XXXX. The transaction was declined for insufficient funds ( copy of decline enclosed ). A few days later, when reviewing my account online, I noticed the charge had posted to my account. I immediately contacted your Call Center and filed a dispute against the charge. I was issued a conditional credit while the investigation was conducted. On XXXX XXXX, I received a letter from the Disputes Department asking for supporting documentation, which was provided and immediately returned. On XXXX XXXX, I received a letter advising the dispute and been reviewing and was placed in the favor of XXXX and the credit was reversed on XXXX XXXX. That same day I contacted your Customer Service Group XXXX to discuss the transaction. I first spoke to a Representative, XXXX and finally had to ask for a Supervisor, XXXX. XXXX advised they would work with XXXX from the " Back Office '' and for me to also contact XXXX, this call lasted for XXXX minutes. Following his instructions, I contacted XXXX at XXXX XXXX ) XXXX and spoke to XXXX, which was a Call Center in a XXXX Country. She indicated an Account Specialist would contact me to resolve my issue. I received, the enclosed form, which had no bearing on the purpose of my contact. On XXXX XXXX, I once again contacted your Call Center and spoke to XXXX, a Rep and then to XXXX, a Supervisor, and finally to XXXX another Supervisor. XXXX advised me that this case is closed with M & T and that there is nothing that the Bank can do to help me with this issue. As I have indicated to each person I spoke with, I received a decline letter and no merchandise was shipped to or signed for by me at my address. I work for XXXX XXXX, Monday through Friday from XXXX until XXXX and your Disputes Department indicated I signed for this package. I am a single person living in a single family Home. I have asked for that " signature '' to be compared to my Signature Card on file with the Bank, and no one wants to take ownership for this issue. I ca n't absorb this {$1100.00} and subsequent Overdraft Fees that have occurred. I work very hard for my money day in and day out and other transactions, Utilities and Insurance Premiums have been returned and OD Fees charged to me as a result. I spoke to a friend over the weekend that works for XXXX XXXX XXXX XXXX and she indicated that this could be returned to XXXX as a " Good Faith Collections '' item?!?! I am looking for your personal interaction to please help resolve this issue and plead for mercy. I have been charged XXXX indvidual NSF @ {$38.00} for this transaction
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: M & T mortgage is billing me for things, increasing my payments then charging me late fees. M & T stated my home owner insurance lapsed due to lack of payment. My insurance agent stated it did not lapse. My payments are done thru escrow so it is paid by the mortgage company. If it was n't paid then they did n't pay it. My insurance agent says it was paid and never lapsed. I did change insurance providers thru my agent for a better rate and additional coverage. M & T charged me {$4300.00} for lack of insurance then did a partial refund of {$2900.00}. They have done escrow assessments every 2-3 months ( this seems excessive is n't that once a year? ) increasing my payments every 2-3 months so my auto payments are short. Then, M & T does n't apply my payments since it is not the full amount and holds it in " suspense balance '' then charges me a late fee of {$470.00}. I have called repeatedly to resolve this. I get a different person every time and I am bounced from department to department with no resolution after days and hours on the phone. I think M & T has questionable practices making money on this repeated escrow assessment increasing payments, billing me for insurance I have and charging late fees on the payment increases they incurred. And I can not get it resolved so I keep getting charged more. I need help with this. I would like M & T investigated for these practices and a refund. So far I do not believe I have been reported to the credit bureau but that is a concern as well ... that they will ruin my credit rating
Company Response:
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-03
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: My wife and I walked into the XXXX XXXX M & T Bank branch in XXXX XXXX, XXXX NY to close all of our M & T accounts on file ( for myself and my wife ). We clearly stated our intentions to close all accounts and move on from this bank. After a half hour or so, we had exchanged cash where applicable in order to zero out each of our XXXX accounts. The banker told us we were completely closed out. We left the branch that day under the impression all accounts were closed per our discussion with the bank rep whose name is XXXX. A few weeks later we discover my wife 's " overdraft line of credit '' was in fact left open ( against our wishes ) and was now showing a negative balance of XXXX {$60.00}. The banker only actually closed XXXX out of XXXX of our accounts ( left my wife 's " overdraft protection '' line of credit open, even though the checking account it was linked to was closed ). So we immediately call the branch and we 're initially told its not possible to close the line of credit without coming into the branch. My wife explained to the rep its extremely difficult for us to come to this branch as its not close to our residence. Finally the rep says she will close the account and mail us a bill for the remaining balance on the account ( telling us that they waived a late fee ). 3 weeks go by and we do n't receive anything so we call again. This time we speak with a third rep who tells my wife to mail in a check for XXXX {$30.00} which will close out the account and we 're assured the account will actually be closed this time. We leave for a one-week vacation and when we return theres a letter from M & T Bank which is dated 3 days before our previous phone call and states that there 's an overdue balance of {$1.00} which at this point is 50 days past due and that this has been reported to credit bureaus. Sure enough we check my wife 's credit report and now see XXXX delinquent account on her report. This is the first and only delinquency on her credit report and her score has already dropped by XXXX points. We 've spoken with the branch manager named XXXX who is currently researching the issue has told us he 's not exactly sure if this is the bank 's fault and can not promise a reversal of the negative reporting to the credit bureaus. We firmly believe if the first banker ( XXXX ) had simply closed the overdraft line of credit the first time we visited the branch ( as we had asked for and assumed had happened ) there would be no issue and nothing negative to report to the credit bureaus.
Company Response:
State: NY
Zip: 11232
Submitted Via: Web
Date Sent: 2016-05-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have been attempting to work with M & T Bank on a short sale relief option as an alternative to foreclosure for about a year now. We have complied with all of the bank 's requests for submission of supporting documents ( pay stubs, letters of hardship, tax returns, bank-specific documentation, bank account information, etc ), only to have been met with continuous delays on the bank 's behalf, incomplete, inefficient, contradictory foresight / guidance on the bank 's procedures for short sales, rude M & T representative communication, inaccurate / repetitive requests and status updates.. For example, the bank has inexplicably " lost '' or failed to acknowledge previously submitted documentation, the bank has stated on numerous occasions that our foreclosure case would be halted while in review for retention / short sale review, while we have continued to receive motions against us while negotiating for a short sale ( on one occasion their representative flat out said that despite what they actually say, they ca n't ever guarantee that the foreclosure would be halted and that other representatives are wrong when stating this ), the bank seemingly changes requirements depending on the person involved in the same process during the same time frame.. Overall, as a able-bodied, knowledg-ed professional, I have found the entire foreclosure process with this bank to be borderline fraudulent - I have never in my life been involved in such an inefficient / ineffective " process '' .. The goal of this is to assist homeowner 's with alternatives to foreclosure, but I can not honestly come to any other conclusion that the process is simply " for show '' because they are required to do this by law, with no true emphasis / intent on actually assisting homeowner 's to their best ability to actually avoid foreclosure. In my eyes, the current process in place by this bank is set up for failure, the time elapsed between " required '' reviews is set up in such a way that you 're caught in a continuous loop of submitting / resubmitting essentially the same supporting documentation ( every 30 days ), which inevitably resets the amount of time to be reviewed for retention prior to short sale - which means just based on all of the time in between documentation submission and re-reviews of the same documentation, you 're constantly being sent back to the start of the entire process ( ie " Shoots and ladders '' ) - this is in addition to constant new requirements being discovered as we move a long through the process and withholding of complete information in regards to the process upfront. In summary, we have yet to get a complete short sale review from the bank in a year 's worth of time, despite having submitted an offer more than 6 month 's ago and always complying with the bank 's ever-changing requirements. It has been the worst experience of my life in dealing with a " system '' that is designed to assist others.. meanwhile we have continued to be intimidated by the foreclosure proceedings threatening to take the property with no respect to our willingness to work out an alternative with the bank. Please see the attached letter for a full description of my particular role in the situation, as I am not even a primary resident of the property and in the end, was only attempting to do something good for a friend in need - and are once again trying to do the right thing now by working something out to get the bank their property back.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2016-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My wife and I co-signed on a mortgage for our niece and her husband. My niece had financial problems and was not making her mortgage payment on time. The mortgage company never once contacted or attempted to contact myself, my wife or my nieces husband. I only found out about the major delinquency when I went to check my Friday score. We have helped them get the mortgage up to date but the mortgage company refuses to reverse the negative data on myself and my wife 's credit. My problem with this is we were never notified so we had no way of defending ourself or helping get the delinquent mortgage up to date. When I contacted the mortgage company they had a hard time finding my wife and I information on the mortgage.
Company Response:
State: OK
Zip: 73064
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-26
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true. I sent my son to the bank on my behalf, I am XXXX years old with a XXXX XXXX and XXXX, and have XXXX. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form. I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX and veteran. I am attaching a copy of the power of attorney.
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2016-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-26
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true. I sent my son to the bank on my behalf, I am XXXX XXXX XXXX with a XXXX XXXX and XXXX, and have difficulty getting around. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form. I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX. I am attaching a copy of the power of attorney.
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2016-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: M & t Bank, a non-party to my mortgage loan, is inserting itself and interfering with my Notice of Grievance to the owner and note holder of my mortgage loan. I am concerned that M & T Bank may have used my nonpublic personal information to insert itself into communications between myself ( the borrower ) and the note holder. In paragraph 2 of their letter ( see attachment m & t_bank_letter.pdf ), M & T Bank made multiple false, deceptive, or misleading representations. Given the following : 1. There have been no previous requests for documentation. 2. The original Deed of Trust was recorded on XX/XX/2000.by XXXX XXXX XXXX . 3. On XX/XX/2000 an unauthorized altered Deed of Trust was recorded by XXXX XXXX XXXX, the same lender.. 4. The alterations were not made by the County Recorder 's office as a function of the recording process
Company Response:
State: MO
Zip: 64119
Submitted Via: Web
Date Sent: 2016-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-21
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: M & T BANK purchased my mortgage loan for my home XXXX XXXX XXXX XXXX GA XXXX loan XXXX ) XXXX XXXX, XXXX the principle balance transferred from XXXX Mortgage. $ XXXX XXXX statement showed I owed XXXX There were no missed payments.I contacted M & T numerous times who transferred me to XXXX XXXX XXXX XXXX XXXX They instruct me to write a letter, I do but they never send the information explaining how the principle went up by $ XXXX Little Mortgage Customer Support, Retail loan Servicing did mail me a letter stating the principle was {$230000.00} when M & T purchased the loan. After written request my questions where never answered why the principle when up on a 30 year fixed mortgage.I called today XXXX and was told the request would need to be in writing again. XXXX XXXX wrote me a letter, confirmed the starting balance {$230000.00} XXXX. She referred me back to XXXX XXXX if I had further questions, which is there General Customer Service line, they tell you to write another letter.What I keep asking them is how did the fixed mortgage increase by {$5600.00}. with no missed payments.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2016-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-21
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: A charge of {$170.00} to XXXX XXXX on XXXX XXXX, XXXX appeared on my XXXX XXXX, XXXX thru XXXX XXXX, XXXX statement. I contacted the bank upon receipt XXXX XXXX, XXXX. I spoke to XXXX and she told me she would open a case file ( case # XXXX ) She said she would send me forms to fill out and mail back. In the meantime I contacted XXXX and was told that they could not provide me with any information regarding the account the money was posted to. They did verify that it was not credited to my account. I called the bank again XXXX XXXX, XXXX and was told that paperwork was mailed to me the previous week. I did not receive anything from them until I received a letter on Saturday, XXXX XXXX, XXXX that was dated XXXX XXXX, XXXX. This letter stated that there was nothing in my account to indicate that the transaction was unauthorized and that if I disputed this I should fill out the Written statement of unauthorized debit '' form and mail it back to them. I filled out this form, signed it on XXXX XXXX and mailed it back in the envelope provided. I never received a response from this and upon receiving my next statement I called them on XXXX XXXX to inquire about what happened. The person I spoke to that said she would research it and I could call back later that day to find out what happened. A few days later I received a message on my voicemail from the XXXX M & T bank about something else. At the time I thought she was calling me about my claim. She only wanted to know if I wanted to open other accounts ( the nerve of them after treating me so badly ). When I realized that it was not about my claim I contacted the bank again on XXXX XXXX, XXXX and was told that a letter had been sent to me dated XXXX XXXX. As of XXXX XXXX I had not received that letter. At that time I was told that I needed to write a letter to the dispute department to reopen the investigation. The next day I went to the XXXX XXXX and asked them to pull up my account. They pulled up a letter dated XXXX XXXX that I never received. This letter said that they had done a thorough review of my account and nothing in the record indicated that the transaction was unauthorized or processed improperly. At that time I asked to bank rep. to fax my request to reopen fraud investigation. I don ; : t think that the bank has been honest with me regarding this investigation from day one. Every time I called them they told me that they had sent me something and I never received it. They have my correct address so I don ; : t know why I never got letters they said were sent to me. This is a XXXX account and I never pay my bills from this account. I only use this account to purchase special items for myself and my grand children. I have spoken to friends and family about this situation. They told me that when this happened to them they were told to close out the account. M & T never told me that I should close out the account to avoid additional fraud. {$170.00} may not be a lot of money to some people but when you are retired and on a fixed income it is a lot of money.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2016-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No