Date Received: 2023-04-12
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/2023, I submitted the requisite documentation request for an extension of my Simple Interest Installment Loan. The request was made due to my recent diagnosis with XXXX and a XXXX disorder. I had previously been informed of my eligibility for the extension, but subsequent communication with a customer service representative was not favorable. The representative 's behavior was unprofessional, and I strongly advise that the company consider improving their training. After the unsatisfactory interaction, I was informed that I needed to submit a form to process my request. Accordingly, I completed and submitted the form on XX/XX/2023, providing all necessary information. I was issued a confirmation number ( XXXX ), which indicated that my form had been received and was under review. I was advised that I would be notified of the status within the next three business days. I would like to point out that I submitted a promise to pay as well since I was behind on my payments due to the aforementioned circumstances. The cost of my XXXX medication has increased significantly, and it is the only medication that works for me. Despite my best efforts to stay current with my payments and cooperate with the company, I have not received any timely communication from them. I have made several attempts to reach out to them, but to no avail. Given the misinformation I received earlier and my proactive efforts to resolve the issue, I am requesting that my request for an extension be approved promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I would like to have a securitization audit conducted for the note for my property. Also, I tried to submit payment coupons to my mortgage company and they refused to accept the payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: M & T bank is the worst of the worst. Its one headache after another. On XX/XX/XXXX NY HAF sent a payment of {$1900.00} to M & T bank, this was for the XX/XX/XXXX payment, however I had made that payment that month, because I didnt know I was getting that payment. But I spoke to M & T representative and even files a complaint with CFPB Case XXXX XXXXXXXX. They stated in their response that they would keep in the money in suspense until the next payment due, however they didnt do exactly what they said they would do. Now, they keep telling me that they never received the money even thou I have a receipt from NY State Homeowners assistance that they sent the money on XX/XX/XXXX. On XX/XX/XXXX I sent an email with receipts from NYHAF : Good evening, I am writing to you today to follow up on the contact information I requested to be kept up-to-date. Please keep the mailing address to : XXXX XXXX XXXX, XXXX XXXX, NY XXXX, Contact Phone Number : XXXX and Email : XXXX. In addition to this, I am also requesting a phone call from you in the next 3 business days of the soonest the law requires you to do so. I have been trying to get answers regarding my suspended funds of {$1900.00} in my M & T Bank mortgage account, but you have denied me of them. I have provided a payment confirmation from HAF, as well as M & T Bank 's response to my complaint to the CFPB Case XXXX XXXXXXXX, where it was clearly stated that the money would go into suspense. Today, I was told that no suspended balance exists and that M & T Bank had not applied the funds anywhere. I need a call to discuss where my money has gone. My experience with you throughout this process has been extremely stressful and unprofessional. You have lied to me multiple times and denied me my rights. I need a call as soon as possible in order to get the answers and clarity I am looking for. Please contact me at your earliest convenience. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. They never responded to my email, I called today and they just gave the run around and stated that they never received the funds, It is extremely frustrating to deal with M & T bank, its such a disappointment that I never chose this bank, never signed any documents with this bank, my original mortgage was with XXXX XXXX XXXX, and when they sold my loan, M & T bank extended my loan for an extra year of payment, which I only signed up for 30 years. This bank is such crook. I can provide original documentation upon request. Please look into this, as M & T bank is such horrific bank to do business with and they dont care about how they conduct business. I shouldnt have to pay any extra year if I only sign up for 30 and I should get credited for the money that was paid on my behalf by NY State insurance fund. Please note that I have attached my mortgage state from XX/XX/XXXX where you can see a suspended balance of {$2300.00} that balance plus money from my bank was what paid the XXXX payment, the {$1900.00} was to complete my XXXX payment, however they have messed my account so bad, because originally NYHAF has sent on XX/XX/XXXX {$71000.00}, but they retuned {$770.00} back to NYHAF and NYHAF was sending the {$1900.00} to cover XXXX. They messed the numbers so bad, that they gave the wrong calculations to NYHAF. It has been such a terrible experience with M & T Bank, and they have messed my account so bad. They dont even care to resolve issues when I email them at XXXX. Attached is a copy of my email that was unanswered by M & T bank. I really need your help to resolve all of this. Please Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11704
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: M & T auto finance used deceptive sales tactics and also broke rules upon repossession of car and not sending out notice of selling vehicle and defenciency balance owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 422XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I realized my CD was automatically renewed at 0.05 % and called to have the money withdrawn, account closed and I would pay the fees for the closure I was told that I could not do any of this by phone or online and would need to make a personal visit. the nearest bank is over 30 minute drive for me and I am not able to make a personal visit at this time and feel they are holding my money and limiting my access unnecessarily finally they offered to let me fax a request- if its notiarized and I suspect of the the entire process and bank at this point
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: To whom it may concern ; This complaint is in regards to a dispute I filed with M AND T BANK in reference to a purchase where I never received the product. On XX/XX/XXXX I made an online purchase at XXXX XXXX for a XXXX XXXXXXXX mini bike. I found the process concerning because I never received a statement for purchase. Not only that but the address and phone number they provided me was not legitimate. On XX/XX/XXXX I contacted M AND T and expressed to them my concerns and requested my bank card to be replaced and I requested a dispute for the amount of XXXX. On XX/XX/XXXX I checked my account and found they reversed the charge despite me not receiving the minibike and title. I visited the local branch on XX/XX/XXXX for more information, the information they provided me was startling and proof of fraud. First I was shown the receipt. The company told the bank that I picked up the bike on XX/XX/XXXX at XXXX. Next they said I signed an agreement but the signature was not my own. Lastly they used my address but changed the state to make it seem as though this was a local pick up. Despite all the red flags the bank still decided to give a company that was proven to scam customers money for an item I never received. I am asking to be assisted with this matter. Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XXXX I accessed my XXXX account to remove a closed bank account and add my new bank information to transfer {$500.00}. During this process, I pressed the wrong button and XXXX sent the transfer to the closed account. Within five minutes, I tried to cancel it thought XXXX, but I was unable to do so. I was told that if it was sent to a closed account, it would be returned to my XXXX account in 5 days. XXXX does not offer XXXX recalls but has provided me with the trace number for the transaction. I have spoken to Peoples United bank which merged with M & T Bank after my account was closed approximately every three days since. They have confirmed that my money has been deposited into someone else 's account at M & T Bank that does not belong to me. Every person I have spoken with has given me a different story as to why this is taking so long and I have to start over from the beginning of the story every time I call them. I have given them old addresses, account numbers, social security numbers, the actual trace number for the transaction which they have confirmed did not go to me. They refuse to let me speak to anyone in their ACH department and are now telling me I have to file with small claims court and file a police report to ( maybe ) get my money back. I am hoping that filing this complaint will help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 035XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, My husband and I called M & T Bank advising to inquire about options for families impacted by covid. The first representative very blatantly lied when we asked her what Covid options were available. The representative rudely told us that there were no options available for us. I checked the mail and received a notice from M & T Bank. I called back immediately on the same day. ( XX/XX/30 ). I told the young lady that we'd called early and the person on the phone told me that no COVID options were available for me. The new representative apologized and stated that she found no options. We asked the new rep what options were available, and she stated that Covid options had ended earlier in the month. ( XX/XX/XXXX, I believe ). We went through a financial interview so they could provide us with a package to see what options were available to us. It was a detailed interview as she inquired about several of my credit accounts. She offered no such COVID options. When we called today to make a payment, we were informed that we could only make a payment for two months and that they could only take the two months if we could tell them when they'd receive the 3rd payment. We went through a series of questions. The young lady today mentioned to us that we had covid options available. While I can not be sure, this feels like XXXXXXXX XXXX. We do not have a recent history of non-payment and did not take any concessions during the height of the pandemic. The first two reps discounted what we told them. The 3rd representative attempted to counsel us through a process for repayment despite us telling her we were not unemployed ; we'd just experienced a bout with XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In property I was living in XXXX on my shoulder to live in a property I was in the process of selling the property but it didn't go through so I did another modification and when I did the monocotation and I wanted my daughter to live in a property I found she didn't had the money to pay the rent and did help to get the rent so she was out and left me in this situation so now I'm back in XXXX trying to get this house back together currently right now and the property with my youngest daughter my XXXX grandsons I don't look through to get help anyway I can't
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hi, I signed up for an M & T My Choice Premium Checking account promotion for holding a {$100000.00} average statement balance in the months of XXXX and XXXX to receive {$350.00} on XX/XX/XXXX and have yet to receive the {$350.00}. I reached out two times and called the support line numerous times. I finally got an answer from an agent that said that I was not eligible for the bonus because it was not transferrable, however, nowhere in the terms did it state that it was non-transferrable. Also, they claim that the promotion was expired, however, the promo expired on XX/XX/2022, per my record and I had applied ( and been approved ) on XX/XX/2022. XXXX attachment on this file shows the " current offer '' which is to open by XX/XX/XXXX and maintain the balance in XXXX and XXXX for a payout on XX/XX/XXXX. My offer was open by end of XXXX, maintain in XXXX and XXXX, with a payout on XX/XX/XXXX. The second attachment shows that I fulfilled the {$10000.00} balance prior to the end of XXXX. I can supply XXXX and XXXX statements of me maintaining the balance if necessary. My account number : XXXX Name : XXXX XXXX XXXX, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A