Date Received: 2023-05-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX you are in direct violation of the fair credit reporting act ( M $ T bank acct. XXXX ) has violated several of my rights 15 U.S.C 1681 section 602A. clearly states that i have the rights to pricacy. 15 U.S.C 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 16668 : A creditor may not trat a payment on a credit card account under an open- and consumer credit plan as late for any purpose. remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48813
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: The MT Bank locked my account to operate over the Internet. I have a DPOA on my behalf, it is my wife to make electronic payments and MT Bank blocked my account intentionally do not let my DPOA not to be able to help me. The MT Bank knew that I am using my DPOA as a translator for myself too when I tried to get my signature simply notarized at the bank on the document and the notary at the bank refused to notarize my signature and after talking to my DPOA began to create a problem for us. I got a non payment problem for not paying my electronic bill on time without an electronic access. The ID and Password was correct, but Bank immediately locked access and left no way to get in and pay and began to use all kind of excuses. Neither I am or my wife stay in XXXX XXXX right now and I need especially go there as the MT bank representatives demand now. It is already almost a month like the electronic access was lost. Today it was XXXX and XXXX online and they brutally sent me to the bank, while I was on line with my wife. It is outrageous abuse and I will request the bank to pay for it.
Company Response:
State: PA
Zip: 16801
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the 3 credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a 3rd dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. With XXXX XXXX, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to COVID, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! For the XXXX XXXX XXXX XXXX XXXX account, there are 2 late payments reporting, neither were valid either! One of them, they admitted to their system being down due to COVID and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened 2 new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. For M & T bank, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received in the mail on XXXX a debit card and notice to activate the card from M & T Bank. I called the banks XXXX MA XXXX and spoke to the bank manager and someone opened an account with them using my social security number. I did not open the account. I put a credit freeze on with all 3 credit bureaus, notified my bank ( XXXX ) and called XXXX MA Police to file a police report.
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I bank with M & T Bank for over 10 years. I received a letter sometimes in XX/XX/2023 stating that I needed to call the bank to update my personal information on our joint account. I did so via phone and was asked to provide my citizenship and employment information. When I asked if my spouse needed to update here information as well, I was told that no need for that as I was the only person that needed the update. On XX/XX/2023, I found out that M & T bank froze all of our accounts, rejected my direct deposit from my employer, returned couple of payments ( credit card and car payment ) I am now going through a financial hardship as a result. I called the bank and spoke to a supervisor as he was able to identify the issue. He removed the hold that was placed on both of our accounts and advised that I will need to deal with employer and the other companies who payments were rejected. We have never received an official notice that our accounts are going to be frozen nor we received any notice about updating my spouse personal information. I need this matter to be investigated and requesting a remedy from M & T bank to compensate for this financial hardship that was caused as a result of the lack of communication and disclosure to consumer. Thanks in advance for your assistance with this matter. A Congressional complaint will be filled against M & T bank followed by this complaint to your organization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This is a followup to my first two complaints XXXX and XXXX submitted XX/XX/XXXX and XX/XX/XXXX. M & T failed to complete or the mortgage assumption rider for our VA loan assumption so the transaction was never recorded by the county clerk. We are being prevented from obtaining a HELOC loan because of this, with interest rates rising this is having a real affect on my finances. In addition to the chaotic disorganized process in obtaining this loan, I have had M & T pay the old owners homeowners insurance with mine and bill me for it, sent my personal information to the old homeowner, given me access to the old homeowners bank account to do an auto withdrawal from. I've lost count of the time spent correcting M & T errors, it would be easier to count in workweeks at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is an update to complaint XXXX. In the companies response to the complaint they reported to the CFPB that {$3600.00} was given as financial compensation. This is incorrect, the {$3600.00} went to the old homeowners via XXXX. XXXX refunded that amount to the old homeowner as a result of M & T paying the old homeowners insurance along with my XXXX insurance. M & T Did refund the amount charged in error to my mortgage, refunding payment taken in error does not count an compensation. I'm aware that M & T lost this money because they were not able to recoup the money for their mistake through XXXX. But this doesn't count as compensation either, the payment didn't go to the party who was affected by their error. I'm out weeks of time getting my loan assumption squared away. I have lost money through not being able to obtain a loan as a result of their errors, I have an issue with this being reported to the CFPB an compensation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Back in XX/XX/2022 I had my car broken into in front of my home. I had a check from my business to myself that was already cashed, in my car. The thief stole my check and created a fake check which he then cashed at a XXXX XXXX XXXX. I tried called my bank, M & T bank, as well as the bank that cashed the check, XXXX XXXX XXXX, and I was told 1 ) to call the other bank ( they kept sending me back and forth ), and then finally 2 ) my M & T Bank representative said that she can not do anything since there are no laws to protect business check fraud, and they can not force XXXX XXXX XXXX to give the {$2000.00} back to M & T so they can give it back to me, so I have not been able to receive my money since XX/XX/2022. I was told to call my congressman for help but never told about CFPB until I read about it in a newspaper, and now I am filing this complaint. It seems that the banks are not willing to do anything about this because its a business checking account and there are no laws to ensure they will get their money back so they don't want to give me my money back, even though the check was an obvious fake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11572
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: per the FCRA as a federally protected Consumer I am now Opting out of ANY and ALL Authorization I the consumer may have giving you Written, Unwritten, and none verbal agreement. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 a message popped up on my screen to call a number XXXX ) to protect myself from suspicious fraud/identity theft They identified themselves as from XXXX as did the pop up. I called the number and they said to secure my accounts I had to do a money transfer and told me I would get the money back in 20 minutes after the transaction to verify the account was locked down. In order to transfer the money they asked me to share my screen to direct me how to set up the transfer through XXXX which I never used then or had an account or app with XXXX. There was a total of 3 transfers.They could see the balance and I only figured out they were trying to take all the money by the 3rd transfer. XXXX XXXX XXXX {$280.00} confirmation # XXXX, XXXX XXXX {$290.00} confirm # XXXX XXXX XXXX {$290.00} confirmation # XXXX ; all sent to me through XXXX confirmation emails. I went to my bank M & T who later denied the claim because I keyed in the transfer even though they admitted they knew 100 % that I was scammed. I filed a police report and have also never heard anything from them either. I was told by the bank that they would escalate my case and it was also later denied for the same reason. Everyone acts like theres nothing they can do but they also knew the money was transferred into a XXXX XXXX XXXX account that is known to be scamming as is the XXXX telephone number. I believe the recipe I clicked into was on the all recipes website. The scammers are still operating with the same number because my daughter called the number and said she received a pop up just like I did but told them she wasnt home. They then called her 37 times within 2 hours to try to get her to give her info or pick up the phone. She then blocked them. The bank told me to file a police report the day after the transfers and I have not heard anything from them either.Police report XXXX XXXX XXXX XXXX, case no. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A