Date Received: 2015-03-30
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I had a checking account with M and T bank. I had an overdraft line of credit with them as well, just to be used if my account was overdrawn. I had this for several years with {$0.00} in fees and a low APR - since it would be a charge of {$10.00} or less and paid off at the end of the month kind of thing. After the XX/XX/XXXX subprime credit crisis, the terms on the account change. I learned quickly that there was an exorbitant fee ( {$40.00} ) and 27 % APR on the card, compounded what seemed to be daily because I could n't even pay off the balance without more interest showing up. I moved my checking account to XXXX, and kept my M and T checking account with overdraft line of credit open in case of an unforseen issue. In XX/XX/XXXX I did a credit check, and got suckered into the " enter your CC number for a free credit report '' scam. I then got seriously ill for 3 months. During this time the " free credit report '' agency billed me twice for 40 dollars, and then again for 40 dollars which I got reversed. This ended up hitting my overdraft since it was an empty account no one was supposed to use, for a total of 120 in principal,?? in fees, and then the 28 % APR. By the time I recovered and was able to log back in ( the paper statements went to my old address I no longer lived at ) There was a balance of {$270.00} on my overdraft. Instead of trying to fight the bank since M and T has treated me so badly in the past, I transfered the balance from my XXXX account, and paid my overdraft account. However unknown to me - because of the insane interesting compounding in the 3 days it took to transfer money from my XXXX account just under {$9.00} dollars accrued in the MTB overdraft account. I called and said close all my accounts, and never spoke with them again. 2 years later when I applied for a car loan, I look at a copy of my credit report and find out MTB sent a delinquent notice to all the credit agencies. They never called me. They never sent the NINE DOLLARs to collections. I was furious, I called M and T and they refused to do anything except let me pay the 9 dollars and stop reporting the delinquent account. My credit will be impacted for 8 years because of this travesty, please help me. Because my accoutn is closed I have no paper records of this - maybe if I file a lawsuit with the bank I can subpoena them?
Company Response:
State: CT
Zip: 06854
Submitted Via: Web
Date Sent: 2015-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I renegotiated a mortgage wth M & T Bank during a bankruptcy proceeding.I have made prompt payments for over two and a half years on the new loan. The Bank refuses to send any information to the credit reporting bureaus depriving me of any credit rating. The bank during this time tried to collect illegal fees of over {$6000.00} that I had to hire an Attorney to get them to rescind. They now want a recommitment agreement which would put that fee back in play in order for them to report to the credit bureaus.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-27
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XX/XX/XXXX - Initiated Short Sale with XXXX XXXX. XX/XX/XXXX - Spoke with XXXX to winterize the property. XX/XX/XXXX - Spoke with XXXX, short sale packet received & house confirmed as winterized. XX/XX/XXXX - Attempted to call XXXX XXXX, not at desk. XX/XX/XXXX - Received email from : XXXX XX/XX/XXXX - Offer received by bank and in review phase. XX/XX/XXXX - Spoke with XXXX, escalation clause submitted. Checked to see if house was winterized b/c recent showing by local agent said she noticed condensation on the windows. XX/XX/XXXX - Spoke w/XXXX. Appraisal done yesterday. 2nd mortgage on file that must be cleared. Negotiator : XXXX XXXX ( not helpful ). XX/XX/XXXX - Spoke w/XXXX.Lien is no problem.Offer still in " review. '' XX/XX/XXXX - Spoke w/XXXX.Property not winterized! First time I or the borrower was informed that it was the borrower 's responsibility to do so.Most short sales, the bank maintains the property. Short sale denied, home not in salable condition.It was when the offer went in.Moved to foreclosure status.Submitted all paper work a XXXX time, offer not accepted, no counter.Bank wanted home listed at {$97000.00} appraised value, when it was there was no interest.Price point it is now, there is a lot of interest.Moved to foreclosure status.
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2015-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The lender/servicer ... XXXX XXXX has indicated that the SOLE PLAINTIFF, Wilmington Trust is the beneficiary/investor of loan # XXXX related to the property XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. Counsel for the Sole Plaintiff, XXXX XXXX for XXXX XXXX XXXX XXXX who has filed the complaint against me in the JUDICIAL foreclosure case in Washington State CASE # XXXX has stated in her complaint that her client, Wilmington Trust for the XXXX XXXX XXXX Trust is the HOLDER of the NOTE! The Plaintiff has indicated through responses from their subsidiary, M & T Bank, that Wilmington Trust is acting in a Trustee Capacity ONLY! Please check your past records to review this very important letter from M & T Bank. They have further stated that all questions should be directed to XXXX XXXX, ( WHO IS NOT A PARTY TO THIS LAWSUIT ). MY COMPLAINT THROUGH YOUR OFFICE TODAY IS NOT AGAINST XXXX XXXX BUT SOLELY AGAINST WILMINGTON TRUST, the sole Plaintiff in the case. M & Ts past letter to your office indicates that the loan servicer is best equipped to answer questions. I expect the answers to my questions in this matter to come direct from the Plaintiff, Wilmington Trust, NOT XXXX XXXX. For I am not in a lawsuit with XXXX XXXX at this time and can not rely on a darn thing this entity proclaims through their XXXX XXXX. I would like to know the following from Plaintiff, Wilmington Trust. I ask this of Wilmington Trust because they are suing me and because they are just the ACCEPTING TRUSTEE FOR THE NEW RMBS SETTLEMENT AGT. For {$4.00} XXXX Dollars, in which the XXXX XXXX XXXX Trust appears to be a part of. I also ask this of WT, because the servicer, XXXX XXXX already attempted much deception along with HUGE misrepresentation in XXXX when they attempted a fraudulent and illegal foreclosure action using XXXX as the Beneficiary by and through fabricated documents ( assignments ) and fraudulent affidavits/declarations/ by XXXX different employees of XXXX XXXX that both had VP titles. Their names are XXXX XXXX and XXXX XXXX. ( Both Robo signors who claimed that XXXX was the XXXX ). The Non Judicial XXXX County Foreclosure Case # XXXX resulted in both XXXX and XXXX XXXX admitting on XX/XX/XXXX that XXXX has never owned my loan or been the beneficiary. This is also written in verbatim reports to the court. 1 ) Exactly WHAT DATE and HOW Did Wilmington Trust acquire the note that was discharged in Ch-XXXX BK in XX/XX/XXXX that was allegedly sold into the XXXX XXXX XXXX Trust? IF WT is truly the holder of the note as their attorney XXXX XXXX for XXXX XXXX claims they are, then they should have no problem answering this question and back it up with proof. BUT NOT WITH recreated documents and various newly created POA and the like2 ) If WT is the HOLDER OF THE ALLEGED WET SIGNED NOTE, then perhaps they will put that in writing to you and issue me a valid NOD to match! There is a reason why they avoid this so they do n't have to go to XXXX. Did XXXX XXXX release the note within the trust OR was it never really sold into the trust? Please provide proof that the loan is in the pool specified within the trust. Please advise whether this loan was ever tied to the XXXX XXXX XXXX Trust with a XXXX filed on that trust. 3 ) It is essential to me, the legal owner of record and homeowner for 15 years with significant investment learn the truth. For I have already been taken down the fraudulent path of deception by WF, the servicer. Instead, they affected every possible chance of getting a legal modification and proper mediation under the Wa State Foreclosure Statute, while other homeowners have these opportunities. I refuse to lose my home to entities attempting to steal our family home for the sake of unjust enrichment. The Huge Fraud of Big BANK XXXX XXXX Business IS NOT MY DOING!!!
Company Response:
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2015-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-19
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I opened an account with M & T bank online on XXXX/XXXX/15 and immediately funded it with an automated transfer of {$500.00}. A little over a week later I got a letter requesting that I fax in a copy of my DL, Social, and utility bill for address verification which I did on XXXX/XXXX/15. Fast forward to today, XXXX/XXXX/15 and I have not heard anything back so I called M & T bank to find out the status and I was told that they still have not reviewed it and my {$500.00} was on hold. I demanded that my account get shut down and my {$500.00} returned but I was told that could not happen until they reviewed my information that was faxed and released the hold on my account. I asked how long that would take and I was told it would take as long as they want, which would render my {$500.00} hostage until they got around to figuring stuff out.
Company Response:
State: OR
Zip: 97071
Submitted Via: Web
Date Sent: 2015-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-19
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Due to inconsistencies in the amount owed that I was told by M & T Bank and the amount that was reported to the credit reporting agencies, I was advised to write a good will letter in order to address the issue and request the negative entry be removed from my credit report all together. I had a vehicle that was stolen and it was declared a total loss by insurance company. The insurance company and the GAP insurancw companypaid the outstanding balance of the loan, but I was told by M & T Bank that there was still a balance due on the loan. In good faith, without having received any proof as to why there was still a balance, I made a partial payment towards the remaining debt. I then sent the goodwill letter still offering to pay the remainder of the debt, but in exchange for the removal of the negative entry on my credit report. At one point, in XXXX 2015, per my credit monitoring agency, it showed a delinquent balance of {$0.00}, but when I checked my credit report again on XXXX XXXX 2015, there was a delinquent balance of {$1400.00}. The monies from the GAP insurance and my insurance company has been paid, M & T Bank says that I still owe {$620.00}, of which {$210.00} has already been paid. I contacted M & T Bank via return receipt mail, but I have not been given the courtesy of a response yet.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2015-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No