Date Received: 2023-09-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I started a custodian savings account for my granddaughter On XX/XX/XXXX From peoples Bank there was {$460.00} in the account M & T Bank took over XXXX Bank and I received no statement till XX/XX/XXXX The balance in the account was {$410.00} which they were taking {$7.00} out each month for a service charge on a custodian account which they were not supposed to. I have called the XXXX number between XXXX and XXXX times. Getting absolutely nowhere. Talked to a supervisor XXXX XXXX XXXX weeks ago and she was supposed to return my call the following Monday six Mondays have gone by and I still havent gotten a call back. I have called the bank once a week for the past several months. The account should have {$470.00} in it and after XXXX phone calls they did reimburse three or four months which brought it up to {$430.00} they still need to Reimburse the account for five more months of service charges. I would appreciate your attention in this matter. I have copies of pass book and statements I wasnt able to attach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29455
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Ive payed my mortgage on XX/XX/XXXX in the amount of {$2600.00} which brought me current to XXXX, on the XXXX of XXXX a payment of {$2600.00} was applied to the account which should have brought me current to XXXX then on the XXXX of XXXX a payment of XXXX was made which should have brought me current to XXXX however theyre saying they dont see this payment even though it has cleared on my end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I was in a hardship and went into forbearance on my mortgage that was held by XXXX Mortgage Company in XXXX of XXXX. Before my forbearance began they did an annual escrow analysis. Because they didnt have the new declaration from my insurance company for the upcoming year they estimated the amount. The estimate was inflated by {$9000.00} from the prior year. Obvious mistake and it took my payment from {$1300.00} a month to {$2700.00}. This wasnt made known to me until I was almost 4 months into my forbearance. I contacted XXXX about this issue numerous times without ever receiving any directions to rectify the problem. Finally they stated that they recognized the problem but they were unable to run a new escrow analysis until AFTER I was finished with my forbearance period. In the meantime my balance of what I owe on my mortgage goes up by {$2700.00} a month instead of {$1300.00}. In XXXX of XXXX they transferred my mortgage over to M & T Bank. Ive spent an endless amount of hours on the phone with representatives from every department within the company. Numerous employees have agreed that there was an obvious clerical error on my escrow analysis from XXXX but there still is nothing that nobody can do to resolve the problem. My last conversation with M & T Bank management team member I had, he stated that there was nothing I could do. I would be responsible to pay the inflated amount when my forbearance period was up. I have been postponing submitting my application to the HAF, homeowner assistance fund, because the total I owe is over twice the amount that I actually owe. My forbearance period will be ending at the end of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48823
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Trouble during payment process
Subissue: Loan sold or transferred to another company
Consumer Complaint: Re : Misappropriate mortgage payments Mortgage Loan Number : XXXX I am writing to request investigation and correction of the errors described below regarding the mortgage on my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously and historically been allowed to submit bi-weekly automatic payments for the mortgage on the above property since XXXX. The mortgage document I signed did not have any constraints on how payments should be made. During the loan tenure with the prior lenders, XXXX XXXX and then XXXX XXXX the {$600.00} bi-weekly payments were received and applied as intended without error and without late fees. The issue prompting this letter started from the moment M & T Bank gained custody of my loan in XX/XX/XXXX. Even though the schedule of the payments has stayed the same, there have been monthly harassing calls from M & T Bank incorrectly stating that payments were missed, and the loan needed to be brought up to date. In these calls, I have expressed that I send {$1200.00} a month for a mortgage that is {$920.00} a month. And, I have asked them these questions : How are payments being missed? Why am I being charged late fees? Subsequently, am I being charged additional interests on the loan principle? To date, these questions have not been answered. I feel that errors are being made at my expense and that my funds are being misappropriated. I would like for my payments to be investigated and for any errors found to be corrected. If funds are going to be returned, I want them applied to the principle. Please note that this letter is also being sent to the following entities : M & T Bank, XXXX XXXX, Consumer Financial Protection Bureau, State of Connecticut Department of Banking, and Connecticut Senator XXXX XXXX. Sincerely, XXXX XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06053
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/2023 I paid M & T Bank the payoff on my loan of {$14000.00} from payoff quote sent to me via fax. I called them next day to ask when title would be sent out. They told me ten business days! I argued all the way up the chain with no luck. I waited XXXX business days and called again. I was told XXXX business days of which I told them it had been. They put me on hold as I had ask to speak with supervisor. She told me it had been mailed that morning and could take 10 days to recieve. I blew my lid and ask if it was coming pony Express and should I be looking for a horse? She hung up on me!! 10 days really?? It has been 16 days now since payoff. They are holding my property! The supervisor tried to make me understand that a payoff using wire transfer would have been quicker than a bank account to bank account that I have used for the whole loan payments. I have spoken to FDIC, no help and Fereral Reserve, gave me this site. I had camper sold and the couple who purchased this, bank was waiting on title from me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91722
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Pertaining to the invasive typo you sent me. " Agency was instructed that accounts were low in their account for XXXX Statement and that you would close accounts if a deposit was not immediate '' Which is because of XXXX XXXX that I became victim of, Then they sent out a abusive letter threatening to close my account, I am a human trafficking victims and investigators are assigned to this case to correct the problem, you did not experience any inconvenience on this case and as instructed before, were told not to allow overcharges on my account if it were ever even the fashioning last point imperial that funds would be so low, I have been ever so courtese to your company and your behavior is not of someone or something that cares about the integrity of animals or humanes who are under crisis rescuing on their volunteer hours. Please stop Harassing Me. I formally took care of Several Agencies Life Insurance Accounts including XXXX XXXX, XXXX XXXX, FBI, CFPB, FTC, Police Unions, Fire Unions and XXXX XXXX and have not been paid the 10 Year Salary They Owe me on top of the Mandated Reporter Fines owed by compensation against XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX + XXXX XXXX Wrongdoing from XXXX XXXX Outlandish Behavior. XXXX The account has been replenished of the funding and do not contact through mail under Confidentiality Requests, as it is Inappropriate and I have had problems with people opening my mail as of lately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02895
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I paid the delinquent XXXX XXXX property tax bill {$3200.00}, XX/XX/. I had less than 30 days to pay or there would be more penalties. Sent letter ( information ) to company- M & T MortgageXXXXBank XXXX XXXX XXXX, XXXX Ny XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Received Debit card in mail from M & T Bank over weekend tied to an unknown checking account ending XXXX. Contacted M & T Tuesday morning, XX/XX/XXXX and was transferred to their Fraud division. Per their request provided them with debit card number, and gave them last four digits of CHK account number of XXXX which was on the form with the new Debit card. Informed them that I had NOT opened up an account with their bank and did not want this card activated. XXXX in the Fraud division said that he would close the account immediately. But he also needed MY personal info to authenticate that I was ME. Provided my mailing address. He also needed my social security number and birthdate. Gave him last four digits of my social security number, and while extremely reluctant to share, he also needed my birthdate. In order for him to give me more additional information, I had no choice, and in fact he said that all of my personal data was used to open the account. He confirmed there was {$0.00} in the account ; the account was opened online on XX/XX/2023, and that the Bank automatically closed the account on XX/XX/2023. He had no additional information to provide like the actual location or state where the fraudster opened the account. This should be fairly simple for banks to data mine this info, along with email addresses provided when opening the account, along with IP addresses. He also confirmed that M & T does not have banks in my city. He reassured me that the account was closed, and confirmed that a record of our conversation would be noted on this fraudulent account. Question remains as to how fraudster got any of my personal information as I shred everything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: In XXXX, my mortgage was taken over by M & T bank. The mortgage bills comes from XXXX. I have paid each month by on-line banking. The address for XXXX according to the bill is XXXX XXXX XXXX XXXX, Texas. For three years, I have never been late on a payment and have always rounded up on my payments. Everything was worked will until XXXX, XXXX. I received a notice in XXXX that said I had not paid my mortgage for the last two months. I looked on line and I had paid both XXXX and XXXX payments. I contacted my bank, XXXX XXXX XXXX and asked why payments had not gone through and they verified that payment was sent to the address above on XXXX and XXXX. I contacted M & T Bank and they responded they had not sent it. I verified the address which is on the bill and I was told that was not the address it should be sent to. Instead it should be sent to XXXX XXXX XXXX, XXXX, MD. When I looked at the bill, the tear off portion of the bill had the XXXX address. When I told him the bank had sent the payments to the previous address, the customer service rep said something to the fact I don't know but it's the wrong address. XXXX XXXX XXXXXXXX also sent a letter to M & T Bank explaining the process of the payment to the XXXX address. Another payment of {$2200.00} was sent on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying that my payment was delinquent and I owed XXXX {$1000.00} and XXXX {$1000.00} plus my current month of {$1000.00}. Since there was confusion with my on-line banking I wrote a check on XX/XX/XXXX for {$2200.00} which was cashed by M & T Bank on XX/XX/XXXX and I wrote another check on XX/XX/XXXX for {$1100.00} which was cashed by M & T Bank on XX/XX/XXXX. According to the bank I owed a total of {$3200.00} with late fees which I never was late. I paid a total of {$3300.00}. On XXXX, I received a letter from M & T Bank saying I had defaulted on my loan. However, I am in total disagreement and have paid. I'm not sure why the previous three years there were no issues and now they can't receive my payments, even after they have cashed the checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A