Date Received: 2015-04-20
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Made a bank to bank transfer due to insufficient funds so that I would not be charged with an overdraft fee. I called to let them know the transfer wont make it on time and she said to call back once the transaction is listed in the history so that they can waive the fee. I call back once the transfer appears on the history and the representative on the phone say 's theres no way for me to have the overdraft fee waived. At this point I am not upset about the fee but at the fact that the XXXX representative told me specifically to wait until it shows up on my card history of the bank transfer so that they can waive the fee. At this point, me waiting for the fee to show up, had costed me an additional overdraft fee which Is now unnecessary additional money I had to pay out of my pocket. I am upset that each individual representative that i spoke to over the phone denies any liabilities when it comes to what they say. It is a reflection of a dishonest company where each representative does not want to take responsibility for what has been said. I will soon close my account with M & T bank soon due to their lack of diligence in this matter and their obvious greed to generate revenues from overdraft fees.
Company Response:
State: NY
Zip: 11791
Submitted Via: Web
Date Sent: 2015-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-16
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: M & T bank put a hold on a bank to bank transfer for {$9000.00} and are holding my money in limbo for almost three weeks. I have call to release the funds or transfer back. No response from them on calls and messages. No explaination. They sent me a form again with no explaination. I need funds.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2015-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-09
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I paid my mortgage via the banks online payment system with the amount of XXXX got the confirmation number provided on XXXX XXXX. The payment was supposed to be withdrawn on XXXX XXXX. Somehow the bank cashed my check but it was never paid to the mortgage Co. I contacted M & T bank regarding this issue and they said will investigate and give me my refund. I had to pay the mortgage company a second payment via telephone. They kept on charging me overdraft fees for NSF. Actually the funds were never returned and everything fell apart. In XXXX 2015, they refunded my money but they flatly refused to refund my overdraft charges. I just want to know why did it take so long to refund my money. They refused to answer my questions and refund my overdraft charges ( XXXX x XXXX )
Company Response:
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2015-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-08
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I intended to sign up for a bank account with M & T Bank and all online materials indicated that all I needed to do was make a deposit from my debit card from another account. Once I did this, I was informed that they needed much more information. I asked to be refunded the money. They refused and replied that they could not release the funds without account verification. I replied that I did not want an account and they had no trouble taking my money therefore it should not be any trouble to return it to the card from which it was deposited. They will not give me my money back and are not assessing service charges monthly to systematically steal my money. My money is being held hostage by them. They took my money under false pretenses and now refuse to return it.
Company Response:
State: NY
Zip: 147XX
Submitted Via: Web
Date Sent: 2015-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been misled by the representatives of M & T Bank and I can not understand the poor treatment I have received during the servicing of my mortgage loan. I have lived in my home since XX/XX/XXXX, and I 'm an active member of the community ( I volunteer with my church and with my son 's school ). But I am in jeopardy of being forced out of my house through foreclosure because M & T Bank refuses to work out a reasonable solution. This property has had its issues since I purchased it. The appraisal and inspections failed to inform me of the XXXX unit being old ( I had to immediately replace it ) and of the foundation issues I had to repair. But this is my home!!! I worked hard to get this home and I want to keep it. In XX/XX/XXXX, I lost my job as a XXXX since XXXX forced them out of business. I struggled by using my savings until I could n't anymore and fell behind on my mortgage. After back and forth trying to get help, the lender offered me a forbearance agreement that I complied with. Eventually I got another managerial job and applied for a modification, but all M & T offered me was an unrealistic and irrational proposal which only dropped my payment by $ 100/month, which was n't going to help me. Their entire operation operates like a group of bullies and thugs, not businessmen. While trying work with them on a solution to this problem, the representative ( XXXX I believe ) told me I should just " put it up '' ( meaning put my house up for sale!!! ). She knew I was n't going to get the help I needed to save my home!!! I want their office to take a hard look at the servicing history of my loan and the possible retention options so I can get back on track with my mortgage. Is n't that what they are obligated to do after taking my tax dollars to bail their business out? I 'm not asking for a handout, just a fair and reasonable solution that allows me to keep my home. M & T Bank has turned my life upside down with their deceptive, unethical, and probably illegal activities. I am very kind, but also tough and resourceful. I am left with no choice but to engage elected officials and regulatory agencies to help me against this lender. I would have preferred to deal with them directly, but they have proven that their organization just another greedy company interested in profits without care for the well-being of their clients. I would appreciate any assistance in resolving this matter.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2015-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-08
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: When I purchased an automobile ( a XXXX Mercedes-BEnz XXXX ) I took out a loan with M & T Bank. When I received my vehicle title from the Maryland XXXX XXXX it reflected a lien. The loan was paid of in the beginning of XXXX. I expected that I would receive a document thet reflected the termination of the lien. This reflects my experience with my other vehicle. After some time has lapsed, I called the general service number for M & T to inquire about this process ( on XXXX XXXX, XXXX ). At that time, a service superviser identifying himself as XXXX said there may have been a error on the bank 's part and the title continued to reflect the lien in error. He said someone might get a hold of me about the issue. Since no one has done that as of now, I called again. This time XXXX responded ( on XXXX XXXX ). After hearing my information, she said New York XXXX places the responsibility for clearing a lien on the customer. After pointing out that I live in Maryland, she offered to turn me over to another superviser. Clearly, I am getting a different story each time I call.
Company Response:
State: MD
Zip: 20879
Submitted Via: Web
Date Sent: 2015-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Due to divorce, and the condition of my house, my ex and I decided to sell. We initially tried a traditional sale, but the foundation condition, I would not be able to break even. I started the short sale process with a realtor. Submitted all the paperwork, got the house listed, the realtor worked with the bank on the sale. Once a buyer came and made an offer, I moved out of the house and into an apartment. After months and months of the bank stating that we were missing documents and myself and the realtor resubmitting them, the bank came and said to us on Tuesday, XXXX XXXX that due to more missing documents, they were moving forward with a foreclosure. I quickly resubmitted everything AGAIN and my realtor asked for an extension so that the bank could review everything. On Friday, XXXX XXXX, my realtor called me telling me that he had just heard from the bank and they were moving forward with foreclosure and their new reasoning was because I had moved before the house was sold. ( I moved after a buyer put in an offer and this was OK 'd by everyone, no one told me not to move ). On Monday, XXXX XXXX the bank contacted me telling me that they declined the sale offer and were moving forward with foreclosure for a completely different reason. Their reason on this date was because of the condition and the damage to the house. I specifically asked what damage they were referring too. They said they found damage when they went out and inspected the house. I asked them what date specifically did they come and inspect the house because they never called me or my realtor asking for a key, or the lock box code to get into the house. The bank told me that they did n't need to ask for a key because they have already secured the property with their own lock box. So I asked again, what date did you do this and how did you get in without a key to secure the property and inspect it. After demanding that they tell me WHEN they went out there, I was put on hold for about 10 minutes and when she came back on the phone, she said that she had made a mistake and that they had n't gone out to inspect the property. At which point, I got very irate with a bank, a business blatantly lying to me. So I asked again, why they were foreclosing now, and she again said because of the damage. So I asked what damage since they had n't been out there. She then said that it was too close to the foreclosure date ( Tuesday, XXXX XXXX ) to be able to do anything. At this point, I go, so on XXXX XXXX, you said you were foreclosing because of missing paperwork, ( which was all resubmitted again ), and on Friday, XXXX XXXX, you said you were foreclosing because I had moved and had broken some contract by moving, and now on XXXX XXXX your reasoning is because of damage that you have never seen because you have never been out to inspect it. Every day it was a different story. I hung up on the bank, and called my realtor who then called the bank, and the story that he got on the foreclosure was because the buyers offer was too low than what they thought the house was worth ( I guess they got that off the internet or something, because again, they have never been inside the property ). Every person at the bank is giving me a different story and my realtor a different story on WHY they are foreclosing ( with a one week notice ) and its all nothing but lies.
Company Response:
State: TX
Zip: 76012
Submitted Via: Web
Date Sent: 2015-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-06
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I received a letter stating Wilmington Trust holds the note on my mortgage I believe this to be false, the originator of the loan is XXXX which went bankrupt a month after I closed on my home, currently it states they still own my XXXX mortgage yet XXXX XXXX XXXX serviced my XXXX mortgage.
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2015-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: About a XXXX and a XXXX ago, My Lady had come up with some medical issues and we had some medical expenses that were unexpected, we fell behind on our mortgage payment and we tried to catch up for about XXXX months, So after all the XXXX and anguish, not being able to sleep, and My Lady crying thinking we were going lose the house. We were only XXXX month behind all this time. So we decided to ask for a payment plan to catch up. At this point they granted us XXXX, So after XXXX months we were finished with the plan to catchup, So when we went to make our regular payment after the payment plan they said that we were a month behind, and I had asked them how could that be we just got off a plan to catch up, and to this day they can not give Us a Liable Reason for being behind a month " Again ''. This has affected our credit score in a really bad way, in which they said that it would n't while they would be investigating the matter. We have tried to refi the property but the result of their lack of responsibility to resolve this problem has put our credit score to where nobody will even try to help us. this has been a on going problem with them going on XXXX months, I call them at least XXXX a month to see what or where they are with the issue and all they want is the full payment of XXXX months, and when I ask about the matter that is suppose to be investigating they transfer me from XXXX department to another with representative that do n't know what to tell me or have no knowledge of what I 'm talking about and transfer me again, All we want is to get our credit fixed from this and have a local mortgage company carry our loan from now on, we can not go on with this, it 's unbearable and XXXX, We are not the smartest people in the world ... But we do know when things are not right. Please Help Us!!
Company Response:
State: CA
Zip: 90022
Submitted Via: Web
Date Sent: 2015-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-03
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: A EFT was taken out of my M and T bank account in the amount of XXXX on XXXX XXXX, 2015 by XXXX XXXX XXXX. I called the bank on XXXX/XXXX/15 to have the payment deauthorized. I was refused and told M and T that I could ONLY file a dispute. I filed a dispute. I was denied. I called XXXX XXXX XXXX and they spoke to the bank after speaking to XXXX supervisors I was turned away again. I was advised that I had up to XXXX days to deauthorize any payment.
Company Response:
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2015-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No