Date Received: 2023-06-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was behind on my mortgage payment, and I was approved for a grant to cover my payment. I receive my statement for XXXX with the full amount I was behind. The balance between my payment, and the grant will leave my XXXX payment to be {$280.00}, I am being told there was a shortage in my escrow, so I will have to pay the full amount of {$550.00}. The payment for the shortage is included in the behind payment, so the grant cover the shortage. Plus, there was an additional charge of {$2300.00} I didn't find out about until I saw my XXXX statement. It was called Recoverable Corporate Advance. I was told by my mortgage company this was money they advance me to pay there attorney fees. I didn't sign any paperwork. I didn't know anything about this. I wouldn't agree to this. This amount is almost as much that I owe. I was in a hardship, and we were in a pandemic. They should have been working with there customer, and waived this fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21213
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I logged in into my online banking on XX/XX/2023 and noticed several unauthorized transactions on my account, so I proceed to lock the card and requested a new one. I tried to reach customer service many times without success to report those transactions as fraud. My card was lost, didnt have the pin written on it and I didnt allow someone else to use my card. Also I never did business with them in the past. Attached goes the 2 screenshots with the unauthorized charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07013
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I been requesting a new debit card several times by secure message and they didnt follow my instruction, I called custoemr service and the call has been transferred like 3 times, waited more than XXXX minutes and then was disconnected. Please proceed with a new debit card to my mailing address on file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had 3 accounts and think started to get put on my XXXX XXXX that was not me and then I finding out that they let them do this with out a card number a email address only I ask how is that possible and con I told XXXX and XXXX and XXXX to stop letting that happen and then didnt even do it its really annoying and sad I had savings count all wiped out and I dont no what to do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19135
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XXXXXXXX XXXX XXXX
Company Response:
State: CA
Zip: 93702
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The money was sent by the payor, however it never posted to the account. All withdrawals had already been made and there was an even balance of {$8.00} at the end of business day on XX/XX/23. The balance is printed on a receipt from the customer service window. The deposit for XX/XX/23 never posted, and it was sent. When this happens the money is delayed, the thief is deciding rather or not they are going to allow the money to be put in the bank or not, and they are stealing whatever was supposed to go to the bank. This time it was {$38.00}. With my other bank account, it was much more before I could send a consumer complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The inquiry on my account I do not recognize and I want all my credit inquiries removed from all XXXX credit bureau. I dont know how someone have my information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX my family experienced hardship and qualified for XXXX relief forbearance. Our previous loan servicer, XXXX XXXX XXXX presented us with the options to either pay off the unpaid sum, place the payment at the end of our loan, or a modification. We continued to utilize this forbearance and had to certify with them every XXXX months. Every time I spoke with them I discussed the same options and voiced I would like it placed at the end of our loan. In XXXX our loan was sold to M & T Bank, and the records and notes on our previous account were deleted ( purposefully in my opinion ) in the exchange. M & T also said that the previous loan servicer " Didn't do the forbearance right ''. They're throwing blame off themselves for not reviewing our account before purchasing? They called me on XX/XX/XXXX to discuss the forbearance and said they no longer offer the option to place the payment at the end of the loan and we can modify or pay XXXX. I was told the program ended in either XXXX or XXXX for VA loans to utilize that payment type. It wasn't communicated to us that it wasn't an option until XX/XX/XXXX, right at the very end of our forbearance period. M & T sent us a modification notice which is dated XX/XX/XXXX but I checked my USPS mail scans and the document isn't listed that they delivered it. The modification offered wouldn't be affordable by doubling our interest rate and adding over 1k to our monthly payments. I believe they are preying on us. I did file with the California Mortgage Relief program since our forbearance ends this month and they are threatening to foreclose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: M & T Bank placed a bankruptcy under my identity that is fraudulent on XX/XX/2022. This is fraudulent I did not file bankruptcy in XX/XX/2022 or any year prior. The payments I made to M & T Bank were not acknowledged by M & T Bank. M & T Bank placed foreclosure proceedings on my property located at XXXX XXXX XXXX in XXXX Texas XXXX Twice with a scheduled date on XX/XX/2022 and XXXX XXXX. The information M & T Bank submitted to multiple entities, concerning my mortgage is false and inaccurate. The payments I have made to M & T Bank prior to the foreclosure and bankruptcy submitting entities was not acknowledged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I sent check # XXXX to pay my XX/XX/XXXX mortgage payment to M+T Bank for acct # XXXX. On XX/XX/XXXX I reviewed the M+T Bank website to find they had not processed my payment and were charging an additional {$48.00} late fee!! I sent a message in their website that day asking why they had not processed my payment and to rectify their error. As of XX/XX/XXXX I received no response! There have been several times they sent me a bill for 2 months payments plus late fee in error, followed by a corrected bill for the upcoming month without late fees. Therefore I do not trust their payment processing which prompted me to check the website on XX/XX/XXXX. I am always timely with payments and have a good credit rating. In fear of them damaging my credit rating, I repaid the XXXX payment plus the bogus late fee on line on XX/XX/XXXX when I saw they did not respond to me. I then had to pay a fee to my bank to cancel my check # XXXX that I sent to them on XX/XX/XXXX. Their ongoing issues appear to be a scam to force customers to give them bank account access for automatic withdrawals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85297
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A