Date Received: 2023-02-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposit a business check for work performed for a customer on XX/XX/XXXX, I was told it would 10 days before check cleared, after the funds cleared XX/XX/XXXX, I removed enough to cover expenses for the job. On XX/XX/XXXX the check had returned. M & T without any word withdrew all my money putting me in a minus XXXX balance which in return bounced my bills that were scheduled to come out. Also, M & T hitting me with service fees {$38.00} another {$38.00} and another {$38.00}. This negative balance also took a direct deposit of XXXX from a tenant for rent that brought my negative down to XXXX. M & T took it upon themselves to credit my account temporarily, I left the credit alone, after contacting M & T and discussing the fact that this is fraud, I feel its half their fault that I'd be taking more of a loss than them, the agent informed me that my account would be closed. I haven't heard a word from them till my mother called me XX/XX/XXXX in a panic stating that M & T had shut her debit card off on her account with no notice other than her bills paid with the card bounced and going to see what was wrong. Since her name was on my acct they weren't opening issuing a new card and that they were going to take XXXX from her social security check deposits.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: Breach of contract, unfair business practices, and deficiency in service to my home equity line of credit.
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: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: M & T Bank has an offer for a Credit Card. No Fee & 1 year no interest. I applied over the phone on XX/XX/XXXX and get approved for over $ XXXX on the phone and give them my info for a balance transfer to my Credit Union for {$2400.00}. Wait a few weeks & receive a letter dated on XX/XX/XXXX. But did not receive the letter until XX/XX/XXXX. Unable to Process. I called XX/XX/XXXX gave them to information again. Called XX/XX/XXXX to see if confirm. No answer. Called XX/XX/XXXX they said unable to process. Should be receiving a letter. As of today no letter. Called XX/XX/XXXX retook my bank info again this time I asked for {$2300.00} transfer. Note all time on the phone is over a half an hour on the phone. Customer Serice can't give me a answer why it does not go through. Except that their offer is only good for 60 days. They are stalling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: 1. Account was opened and funded with {$5500.00} initial deposit under the Business Checking Account promotion for the Tailored Business Account ( which will be attached below ) on XX/XX/XXXX. There was a link I clicked and no other offer code or value to enter anywhere on the online application. 2. Offer prerequisites of maintaining a minimum daily balance of at least {$5000.00} for 3 month duration were completed on XX/XX/XXXX. I received no interest during these 3 months. 3. I called and the agent confirmed that the disbursement of the offer should occur in the coming days. ( representative XXXX XXXX on XX/XX/XXXX. 4. Wrote secured message to XXXX, on XXXX XXXX who denied that the offer has been applied and I had to go into the branch to talk to a manager, despite having been told otherwise a week prior. 5. Call customer service to clarify on XX/XX/XXXX, and escalated to supervisor who was unable to provide any resolution other than provide an apology.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: For the past 2 weeks m & t bank has told my girlfriend she can't have her money or access her account. She has been to the branch several times. They always say they have to send email and wait for response. But evidently nobody cares and doesn't care that she's a hard working XXXX mother with XXXX kids and can't even feed their kids because M and T doesn't care. She tries day after day and M and T is just holding her money hostage. Just another bank that could care less about people and just keep the money and do whatever the XXXX they want with it. It's sad that the government lets banks do whatever they care about and never care about the person they deal with. Why are people still keeping their accounts at this bank. They don't even try to make an effort!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21228
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: M & T bank had a promotion for opening business accounts which enticed me to open online. My account was opened successfully online but I was not given online access, the option to opt-in for paperless statements, or the ability to make an initial deposit. Despite calling the customer support line, no one was able to assist with online access. Weeks later I received a call stating I need to go to a branch to unlock the account - something that was not explained when opening the account online. My daily account value has remained at XXXX without the ability to make deposits making it impossible to qualify for the promotion. I was also charged XXXX dollars for a paper statement which I never had the ability to opt out of. Management has stated that they will not write off the XXXX dollars or allow me to close the account.
Company Response:
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: M & T bank is reporting charged off account on my report for about {$500.00}. I have never received any collections about this account. I have never had a M & T bank account. I reached out to find out more about this account and theyve been unable to assist me in resolving the matter.
Company Response:
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I was using the ATM outside my banking institution. M and T Bank XXXX XXXX XXXX XXXX NY XXXX. I accidentally put cash in the check slot. Instead of sending the cash back out it ate my money. It also kept my ATM card. I had to go inside to get the card back and I thought they could just give me the cash back. However they said I would have to fill out a dispute and they would give me a provisional credit. I filled out paperwork I put in the dispute they gave me a provisional credit for the {$360.00}. Someone in the bank after I left changed the amount to {$260.00}. I never authourized the adjustment neither had they even completed and audit of the ATM. Some teller took it upon themselves to change the amount. I was livid I went back into the bank they refused to give me the paperwork or even who changed the amount. I can tell you this wasnt my finest hour. My husband had to drag me out of the bank as I was yelling and screaming. I went to another M and T Bank and spoke with a XXXX XXXX XXXX XXXX and showed her the paperwork. She put in an internal complaint because they should have never touched the provisional credit. She said they would put the {$100.00} back into my account. I asked her to please get the name of the person responsible. I looked into my account the next day and the {$100.00} was not in there I again called XXXX. She said to give it time I again asked for the tellers name who changed my provisional credit because I was going to file a complaint with the Federal Reserve Board and CFPB. Within an hour of saying I was going to file a complaint the Branch XXXX from XXXX NY XXXX XXXX XXXX called and said she was closing all 3 of my accounts of 25 years. I believe this was in direct retaliation for my filing complaints against this bank.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My father passed away in XX/XX/XXXX without a will. I filed an affidavit of heirship 4 months later and was named owner of his home. I sent the affidavit of heirship along with his death certificate to the bank but it wasn't enough, they want a probate document. They won't even speak to me about my father 's loan and I am in default, I have been and I am positive foreclosure is next. The affidavit of heirship is the most recent executed deed and there is no need for probate, I have been owner of the house since the beginning of XXXX. I really need to speak to the bank and ask for forbearance or something related to that so I don't lose my home and I have a little time to get my finances back in order instead of worrying and playing the guessing game on this issue since they will not speak to me about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78382
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/2023 I went into M & T Bank at XXXX XXXX Md location to take care of XXXX TRANSACTIONS, which turned into a XXXX MINUTE NIGHTMARE caused my the staff at M & T bank 1,000 %. I wanted a XXXX XXXX check switched over to a cashiers check & to deposit a check into my savings. Teller had XXXX days in bank so I asked him to give to another male teller who ignored my request and walked away from me, to help another customer.. After XXXX minutes of watching this novice teller typing stuff in his computer I asked several times XXXX XXXX XXXX XXXX XXXX XXXX, and was loudly asking another staff member to " XXXX XXXX XXXX XXXX XXXX XXXX, help this man '', NOBODY would help him nor help me with me losing my temper by the second. At XXXX XXXX did branch XXXX XXXX XXXX XXXX get up off her chair ( XXXX XXXX XXXX XXXX XXXX XXXX ) to come over to see if she could help, BUT WAITED for the XXXX male teller ( who refused to take over for XXXX XXXX XXXX ) goes to her office and she FINALLY comes over AFTER XXXX MINUTES LATER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and having me repeat EVERYTHING over with what this male teller ALREADY knew- but XXXX COULD NOT explain WHY I couldn't just switch XXXX check into a cashiers check BUT had to take from my checking account and then into a cashiers check of {$6700.00}. After XXXX REFUSED to finish my transactions AFTER XXXX MINUTES I then lXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She blocked the door, BUT went outside instead to finish my business via the ATM machine, XXXX came out videotaping me ( without my permission ), whereby she backed up in between the glass front doors. XXXX XXXX Police responded XXXX of them trying to calm me down and other ( female ) went into the branch to speak to XXXX whereby she came out & told me not to return to this branch, which I told her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, then left. I then called M & T to file several complaints against the branch and their staff as well as XXXX XXXX ( regional XXXX ), after I sent her an email shortly thereafter this NIGHTMARE took place, calls me the next day XXXX XX/XX/XXXX and ONLY wants to chastize me for throwing a pen, I asked her XXXX TIMES to stop talking about me throwing a pen AFTER her staff inconvenienced me for OVER an HOUR & XXXX MINUTES ( with cop interaction ), BUT would not let up making me XXXX again! Then she hangs up on me, that's when I filed an official complaint against her. I XXXX XXXX go into the branch anymore ESPECIALLY XXXX XXXX 's branches that she manages because this was XXXX times I've had issues just with her staff alone. First time was with an extremely rude & unprofessional man who I called out about XXXX rudeness & again staff there went to his defense when he was the instigator and second time was with a teller taking WAY TOO LONG - XXXX MINUTES PLUS to cut XXXX money orders. I have been a M & T customer for WAY OVER 15 YEARS & have ONLY had issues with XXXX XXXX XXXX, XXXX XXXX staff BUT I am being penalized because of M & T staff causing ALL OF THIS!? I have ALWAYS maintained THOUSANDS of dollars in my account and have NEVER been overdrawn EVER, and to be treated in such a XXXX manner and the staff NOT being terminated for these occurrences is just plan digesting and not fair. I just returned home last night after being in Florida for almost a week and am leaving for New York and then to XXXX XXXX and will NOT return until XX/XX/XXXX, I do not need this at this time nor do I have time to go into an M & T bank today
Company Response:
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A