Date Received: 2022-12-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This is an incident that occurred on XX/XX/22 by an employee at M & T Bank by the name of XXXX XXXX. The description below is the complaint that I sent to the business and I have not heard anything back. I am writing today to file a formal complaint about an employee of your bank, XXXX XXXX. I have learned from a colleague of mine that XXXX visited my place of employment and began to berate me and attempt to defame my reputation. In addition, she proceeded to call me specifically discriminatory names and created a hostile environment for my colleague at our workplace. I have been a customer of M & T fka Peoples United for over twenty years. I have several accounts as well as a mortgage and I find it offensive as well as an invasion of privacy that XXXX felt empowered to discuss anything about me personally in any location, but, especially at my place of employment. I hope to hear back for someone regarding this unpleasant experience and I need to understand under what circumstances M & T as a corporation allows its employees, especially someone in management, to bully its customers in a public setting at their place of employment. I feel that my confidentiality has been invaded and I hope that this matter is taken seriously. I am happy to provide any more specific information about this incident, up to and including other witness ( es ) to this behavior as well as video surveillance. Amidst all of the controversy and customer experience debacles that M & T has been experiencing, I can not seem to understand how behavior like this would ever be tolerated. I have been violated and discriminated against as your customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Our former bank, People 's United, was acquired by M & T Bank and the merger was completed this fall. We moved most of our banking accounts to another institution but left about 17 credit cards with M & T. We have attempted to made timely payments on our accounts each month ( XXXX through XXXX ) and there have been multiple issues every month. Including : *Checks cashed but not applied for over 15 days. *Checks said to be missing ( so we paid another way ) then found and later incorrectly applied a month later. *Online payments that said " accepted '' later not posted ( resulting in late fees ) with no notification of the decline or the payment. *We have attempted to may payment at a branch ( told impossible ) It has left us with literally no way to make a timely or accurate payment and hundreds of dollars in late fees and charges. The bank is working with us to reverse these but it has taken days of our very limited resources to work out. I'm told we are not the only customer experiencing this. The processor is a company called XXXX run by XXXX. I don't know if it is the fault of a rough merger integration, something in XXXX or what but I do know that as a consumer, I'm trapped in unavoidable fees and a circle of accounting problems. We are moving our cards to another institution but I thought it important for the CFPB to check in with M & T and ask how it is going. Thank you, XXXX XXXX
Company Response:
State: VT
Zip: 057XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Hello -- My M & T Bank credit card ending in XXXX was flagged for suspicious activity on or about XX/XX/XXXX after making my second online purchase. I called the customer service number the bank provided a couple of days after the alert and reached a very nice representative that referred me to the fraud department. Upon calling the fraud department I waited on hold for over 40 minutes and was unsuccessful in getting in touch with anyone to resolve the issue. So I then decided to send a secure email to M & T Bank on or about XX/XX/XXXX stating that the purchase flagged was made by me and I was in possession of my card. I asked M & T Bank to remove the hold on my card. M & T Bank replied to my secured email asking me to contact the same fraud department phone number. I called the same fraud department number on XX/XX/XXXX as of the writing of this message and have been on hold for over 53 minutes and once again was unable to contact anyone to resolve the issue. Any assistance you can provide would be greatly appreciated.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My checking account was compromised as XXXX bogus checks were deducted from my account. Reported all data to M+T Bank. Was told they had to open a new account. XXXX months have passed. Many checks are being blocked. I can not pay my bills. Bank has approaved reimbursment however they claim to have problem because my bank account has set up in my trust XXXX not tell me how long it will take to set up a new account. Need help!!
Company Response:
State: NY
Zip: 13212
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently opened an account with M & T bank in hopes of switching over and finding a new bank to keep my savings with less fees involved. I made a deposit into my account and They held my check for 7 days which is completely normal. I had no worries since it was a cashiers check that I requested from my previous bank. Of course on the first of the month when my bills are due they block my debit card and my account. I have no access to my online account. I called customer service and the fraud department only to be transferred around numerous times over and over. M & T and their business practices are ridiculous. They ended up unblocking my account and I had access again. Everything was working perfectly normal but my online purchases kept getting declined for suspicious activity. Now a week later my account is frozen again my card Is blocked and I have 0 access to my online banking or my funds!!!!!
Company Response:
State: PA
Zip: 19047
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a wire transfer for XXXX deposited into my M & T Bank checking acct on XX/XX/XXXX which the automated system said it was avail for withdraw and my mobile app stated the avail was XXXX ( since I had XXXX already in the account ) for withdraw, payments, or transfer. I went to XXXX branches XXXX at XXXX XXXX XXXX XXXX XXXX DE And XXXX on XXXX XXXX XXXX XXXX XXXX DE, and was denied my withdraw of only XXXX XXXX and was told had to wait a day. This should not have happened since the deposit was a wire transfer and the app said it was avail. XXXX be closing my account out once I set up my direct deposit elsewhere. I asked to speak to a manger and she advised I could not withdraw my money. XXXX done with this bank. This is unacceptable and other customers need to be aware.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX has sent verification requests to M & T bank TWICE to verify my account information so they can submit my grant money to bring my mortgage current. M & T has not responded to either of these requests. Their response to me is not acceptable. M & T bank advertises that consumers should apply for state grants to help with mortgage accounts in forbearance. I have applied for these funds in XXXX of 2022 and M & T bank is not cooperating with XXXX. I have already received assistance to help pay for my heating bill thru XXXX and there was no issues whatsoever with the communication between XXXX and the oil company. This needs to be taken care of. My home and my life is not some game!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 168XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was added as a co-owner on the account on XXXX and set up with online banking. When trying to do a XXXX transfer from M & T checking account to XXXX XXXX XXXX account, the transaction would not process. I contacted M & T fraud dept on XXXX as instructed by email that I received on XXXX. I was advised that I needed to change the phone number I assigned for XXXX to my email since I was already using my cell for BOA XXXX. After changes were made, I was still unable to transfer funds. I called M & T fraud back and was instructed because of the original account owners age, I would need to provide Power of Attorney. I was added as a co-owner by my mother on XXXX in person with a XXXX XXXX XXXX who asked my mother at the time if she wanted me on as co-owner or POA. The fraud agent refused to approve a small transfer even though I am a legal account co-owner as of XXXX. I understand the need to protect customers from elder abuse but to block transactions based on someones age rather than mental capacity is discriminatory. My mother is starting to have vision and mobility issues which is why I she added me to her accounts so I could pay her bills online and I could transfer $ from her M & T account to my XXXX account to pay me back for her grocery shopping etc instead of continuing to write me checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I sent a principle only payment to M & T bank, the check and form were both marked " For Principle only ''. M & T bank then processed as a regular payment ( On XX/XX/22 ) and the full amount was not applied to principle.I called M & T bank to rectify the issue, after over an hour on the phone they told me that they would not correct, i explained to them that they were mis-applying the funds and that per banking regulations they had to apply as instructed by the customer. They told me that if i wanted to pay principle i would have to do it prior to the due date for the current payment which was not past due and refused to make the correction, I have never miseed or made a late house payment in my life. I can provide banking all banking information as well. Thank You, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85233
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a credit or may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A