Date Received: 2023-06-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: on XX/XX/23 i remotely deposited a check for XXXX which immediately cleared my secondary account. M & T then froze my account with no explanation. Refused to clear it even after i verified all info. Refused to let me speak with fraud dept who froze my account. They kept telling me somebody would call but never did. I was out of State at my sisters funeral and they tied up all my funds for no reason. Now i just want to close my account and get the XXXX away from them and they refuse to release my funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX XXXX Sent on XXXX from XXXX to M & T for {$1800.00} for my mortgage payment and M & T says it was never received Sent bill pay for may payment for {$1800.00} from XXXX to M & T said they never received started 3rd party investigations with both banking institutions. XXXX is saying m & T accepted funds and M & T is saying they were rejected, meanwhile my mortgage is going on 3 months late!! H E L P!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Boat loan M & T Bank act number XXXX. I make over my payment ever month They will not apply my over payment to my principal. They moved my payment out to XXXX XXXX XXXX I want to pay my principal down
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 that states I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ), states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: M & T BANK ACCOUNT # : XXXX!!! DELETE THIS ACCOUNT IMMEDIALELY!!! XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. HOW DID THE CLOSED DATE CHANGE? THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK M & T DID THIS ON PURPOSE OUT OF SPITE TO DAMAGE MY CREDIT FILE I HAVE PROOF ON DOCUMENT!!! VIOLATIONS!!! XXXX & XXXX ARE FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ITS REPORTING INCOMPLETE & INACCURATELY )!!! DELETE THIS ACCOUNT IMMEDIALELY!!! XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. XXXX THERE IS NO CLOSED DATE 2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX VIOLATIONS XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. CHANGED CLOSED DATE : TO XX/XX/XXXX ( HOW DID CLOSED DATE CHANGE? THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK M & T DID THIS ON PURPOSE MAJOR VIOLATION DELETE IMMEDIATELY ( M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. XX/XX/XXXX CREDIT REPORT XXXX MAJOR VIOLATION DELETE IMMEDIATELY XX/XX/XXXX CREDIT REPORT XXXX ( M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) 6. PAYMENT FREQUENCY : MONTHLY ( EVERY MONTH ) ( SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There was a {$300.00} unauthorized withdrawal from my checking acocunt in XXXX. After filing my request with M and T bank, they claim they never received the mailed paperwork. So I faxed it and mailed it again in XXXX which they did receive. They denied my claim and said their investigation did not come up with how it happened. However, when I asked what they investigated or how they came to this conclusion, I was told nothing. It is impossible to speak to anyone in the fraud/unauthorized transaction department, they only use emails from customer service. I am asking again to be contacted about the denial but that has yet to happen and probably will not. Are there any options for me at this point as M and T bank will not allow customers to speak to the individuals doing the investigation?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Hi I went to mt bank to open a account they failed to open a account and won't let me open account now I need for my ssi money
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: In XX/XX/2023, I received a wire transfer of {$21000.00} from M & T Bank into my NFCU account. After XXXX to XXXX days, M & T reversed the wire and removed my personal funds from my account and caused my account to be closed for receiving " unauthorized '' funds. This has caused me great harm. The clearly signed bank wire slip was prepared and authorized by the M & T employee at the XXXX XXXX, name XXXX XXXX, who I called and spoke with, and the sender, XXXX XXXX XXXX. ( XXXX attached. ) M & T prepared the wire and validated it by sending it out through their clearing system. The transfer must have been valid at that point and completed. The reversal of the wire made the funds proceeds of crime in the manner that it was recalled which caused me great harm. M & T enabled their client, the sender, to cash out of her commitment, leaving me on the line for {$21000.00} and causing my newly opened account to be shut down and my personal funds taken. Other funds were thereafter blocked causing me further hardship and inability to pay my bills. I will be requesting from the XXXX XXXX XXXXXXXX an answer as to how an " unauthorized '' wire can be sent over their clearing network. I am unable to access my bank statements as my online access to my account has been blocked to penalize me. I am the XXXX XXXX XXXX victim of M & T and their client, XXXX XXXX XXXX. When I spoke with my bank, they advised me to contact M & T and the sender. I wrote to XXXX XXXX XXXX, Chairman and CEO and XXXX XXXX XXXX, XXXX and XXXX XXXX M & T. Their less than satisfactory reply was that " due to privacy concerns '' they were " unable to provide [ me ] with a response ''. They then suggested " contacting XXXX XXXX directly to further address this matter ''. ( Copy attached. ) I have tried to contact XXXX XXXX and have verified receipts that my emails to her were received and opened. ( Copies attached. ) However, she has failed to respond. She and M & T are refusing to provide information that I am entitled to as they used my account.
Company Response:
State: VA
Zip: 22701
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Unexplainable charge : XXXX XXXX XXXX + {$420.00}. M & T Bank want me to comply w/this charge. M & T Bank insit the part of the loan. I never request or authorise any changes or even moved of institution. This mortgage was transferred from XXXX XXXX XXXX which it was acquired by M & T Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I got letters and the mortgage statement from different address and XXXX different banks MT & Bank and XXXX. And sometimes they do not send me the mortgage statement how I have been requested several times. I sent to MT & Bank XXXX e-mails asking them how much do I have to pay in XX/XX/XXXX and they answer me {$820.00} in XXXX. in the second e-mail they said me {$550.00} in XX/XX/XXXX because the ESCROW is {$260.00}. If you check the letter from XXXX they say the ESCROW is {$120.00}. I sent my payment on XX/XX/XXXX ( BEFORE XX/XX/XXXX ) waiting for the bank answer about pay my bill in XXXX monthly payments how I requested to the bank for my economic situation ( HARDSHIP TIME ) that I am not working, I live with a minor and I do not want to loss my house. Today, XX/XX/XXXX I got a letter from XXXX saying I have not paid XXXX. Check the attachment, please. Plus, I have to pay {$820.00} on XX/XX/XXXX when I supposed pay ONLY {$120.00} OF ESCROW. Then the payment for XXXX IS NOT {$820.00}. XXXX, after I called to MT & Bank XXXX XXXX to set up my monthly payments arrangements because I was going through for a hardship times, XXXX XXXX up and starts sending me documents. My account and my payments are on the MT & Bank website. I suspect they are charging me more because I have never stopped making my monthly payments. *******And these inconsistencies can be seen and compared in the M & T Bank XXXX and XXXX mortgage statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A