Date Received: 2022-12-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was in the process of hiring XXXX XXXX XXXX, XXXX to do a new concrete driveway at my house at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. All communications after visit to site on XX/XX/22 were via email and phone calls from XXXX XXXX. I have emails dated XX/XX/22 - XX/XX/22. The actual scam began on email dated XX/XX/22 when what appeared to be XXXXXXXX XXXX message saying they would work my schedule after my walkway work was completed but they would need 40 % down which I sent via XXXX ' through my M & T Bank account. Since I had been communicating with XXXX via emails and text messages, I was led to believer it was actually him. It wasn't until XXXX when I got a message from XXXX XXXX XXXX saying their email was hacked and not to respond or send money to anyone. I have the emails and some text messages. Please help. I called my bank fraud line and filed a claim which they denied. The amount of the fraud is {$2300.00} sent via XXXX XXXX M & T Bank on XX/XX/22.
Company Response:
State: MD
Zip: 21114
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened this account in XXXX but now I have moved to XXXX I wanted to close this account and get the balance refunded, but the bank refused to do so citing fraud prevention. They locked my account and do not allow any deposit or withdraw. In order to unlock or close it, they insisted that I have to step into a local branch physically to unlock or close it. I am in XXXX now, it is ridiculous for me to travel back to a local branch in XXXX in order to close my own account.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To whom it May Concern : Due to the XXXX XXXX I had been struggling financially to keep up with my mortgage along with other bills including my XXXX I reached out to my mortgage company towards the end of XXXX. They were able to offer the moratorium payment options until they expired. M & T has been more than helpful, they provided a list of options and telephone numbers to reach for mortgage payment assistance. I contacted the XXXX XXXX and they provided options, one of which was the XXXX. This program was not open to apply until like the end of XXXX, as soon as money became available to the state and the applications were open to apply, I applied. I was approved for assistance in XXXX, months and months went by, call after call the application remained in the same status, Under review by XXXX requested. At the beginning of the process I had a case manager XXXX XXXX, which later turned to please call contact XXXX going forward. It has literally been XXXX XXXX and not a single payment of this massive Federal Assistance that has been provided to XXXX been applied to my account. The status of my of my application finally moved to payment after I reached out to a XXXX XXXX XXXX XXXX XXXX after researching to see if this was happening to others in XXXX and found his article. After I guess adding me to his list and making a phone call I finally received a call from XXXX XXXX XXXX she promised to escalate the issue and provided me her direct dial, which doesn't work by the way. I finally did receive an award letter dated XX/XX/XXXX on XX/XX/XXXX, I signed it immediately in their portal and requested a copy. I forwarded a copy of the letter to M & T and call to confirm receipt. Now it was time to sit and wait on the payments to be processed. These payments are sent through an XXXX portal and if sent on XX/XX/XXXX, even giving XXXX days for XXXX even though banks only observe XXXX day, its been XXXX days. I called XXXX this morning XXXX at XXXX they are doing the blame game again and stating that they know that certain banks have been experiencing issues with the payment process and they are asking for the lenders to go through the XXXX portal to get clarification on payment processing. I reached out to M & T Bank and well blame game, they are blame the state for the way they send the payments and that it takes time for them to figure out where the payments go, even though they have been told to go through the XXXX XXXX to apply for the payments. Who is getting this supposed Federal Assistance because it is not the struggling homeowner? M & T has done a good job at helping me, once there was a modification process available, I did apply and I was able to go through that paperwork process approval, payment trial periods, and back on track. However it is XXXX that has been the problem, I have had to borrow money for family members to avoid paying other bills waiting on help that I got approved for in late XXXX. What I am asking for is M & T Bank to escalate this issue, find my payments and apply them to my account. I owe people, 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 needs to be held accountable and need to streamline there process. There will be another plandemic and they need to get a handle on free money they get to help the state, not the people.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Last week we logged into an account we do not use much, it is solely for paying the mortgage, maintenance and taxes on a building. That is when we found fraudulent activity, where someone was able to clearly get in via online banking, link other accounts such as XXXX, XXXX, etc to pay off bills ( likely from a stolen identity ). We notified M & T immediately, went to the branch, got them involved, and signed all documents. They started to state it could be internal hacking on our side. We are a software company -- and know we are fully protected, but for proof, we ran full scans of our network, of the only computer that could access the account, and came up 100 % clean. Our network is locked down and secure. Furthermore, the bank could easily check IP Addresses that logged into the account, and beyond that, see there are multiple credit card payments made from our account rope in those companies and see who holds those cards. All they keep saying is " its under investigation ''. They sent a letter today refusing the credits, but their VP said " its still being investigated ''. In a matter of 2 weeks, there was over {$11000.00} stolen from my account. XX/XX/XXXX {$1300.00} paid to XXXX. XX/XX/XXXX {$9500.00} paid to XXXX. And XX/XX/XXXX {$980.00} paid to XXXX again. I am beyond disgusted that they are refusing to refund the money, and keep telling me its under investigation, and could be for up to 90 days.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have contacted M & T bank to resume payments of my XXXX mortgage after covid forbearance. I requested the options below that are currently ( XXXX ) published on consumer finance.gov. The representative informed me that those options were not something M & T would honor and that o would have to fill out documentation, provide financial details and apply to find out my options. I requested documentation with the details of what I was applying for. The representative stated she would google them and read them to me. I asked if her company provided these documents as reference for her or if they were documented anywhere I could access them, she said no. I expressed my concern with applying for something that I am not able to review first. She had nothing to offer other than that is all she can do. I feel like M & T is attempting to take advantage of the rising interest rates by forcing people to modify their loan. This was never communicated as the only option and in fact was not mentioned in any documents received until rates went up. The info below is directly from a government website. I requested a written payment plan as it states I should be provided, I was told I have to apply for that. XXXX XXXX XXXX XXXX does not require a lump sum payment at the end of the forbearance. If you can resume making regular payments your servicer or lender should either offer an affordable repayment plan or term extension to defer any missed payments to the end of the loan. If you are unable to resume making regular payments, your servicer or lender should evaluate you for all available loss mitigation options. Upon completion of the forbearance, the lender shall communicate with the borrower and determine if the borrower is able to resume making regular contractual payments. If so, the lender shall offer the borrower a written repayment plan to resolve any amount due or, at the borrower 's request, extend the loan term for a period that is at least the length of the forbearance. Visit XXXX XXXX XXXX 's coronavirus I would very much like to resume payments using the 2nd option above. M & T does not want this, they are only interested in options that result in profit for themselves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14845
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I worked with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ), XXXX XXXX send M & T Bank a total of {$71000.00} to being my account up to date and for me to continue making payment. XXXX M & T Bank only credited my account {$70000.00} which makes its short {$770.00}. I already tried correcting this with M & T bank and all they tell me is that I have to call XXXX XXXX. XXXX XXXX sent me a receipt that they paid {$71000.00}, however M & T bank is refusing to properly credit my account. I have spent numerous hours in the phone with M & T Bank and they dont do anything, the representative seem to lack knowledge and all they tell me is they cant do anything. My case has been escalated numerous time, but nothing results of it Im so frustrated that I dont know what to do. I need your help. Im tired of dealing with M & T Bank, they are the worst.
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: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2022, at or about XXXX XXXX. I started an administrative process on XXXX XXXX XXXX XXXX M & T Bank XXXX sent and delivered to him by certified mail. In these documents they are including and explained the unlawful actions that I found in the mortgage processes, for the property at XXXX XXXX XXXX, XXXX, VA XXXX. M & T Bank Violated : Conspiracy Against Rights, Depreviation of Right Under XXXX of Law, Attempt and conspiracy, Aggravated Identity Theft, Bank XXXX, Frauds and Swindles, Mail fraud and other offenses, Interference with commerce by threats or violence, Fraud by wire, radio, or television. The response I received from XXXX XXXX and M & T Bank, was and have always been a Presentment for payment of the upcoming month or/and a copy of the Deed paperwork. As of the day XX/XX/2022. XXXX XXXX or M & T Bank has not responded to any of my processes. On XX/XX/2022, at or about XXXX XXXX I repeated the administrative process again, to XXXX XXXX XXXX XXXX. In which my documents were received and accepted, by XXXX XXXX or his office. Once again, XXXX XXXX has not responded to any of the affidavits, his corporations interns send me back a presentment and the deed information. This second set of documents included the original documents only difference was that the Notice read. 2nd notice Opportunity to cure. On XX/XX/2022, I completed the administrative process through the mail, with a 3rd and final packaged, stating and letting XXXX XXXX know. That his acquiesced to my XXXX process has now put him in Default. XXXX XXXX and M & T Bank still have not responded to my Affidavits or demands, placing M & T Bank in Dishonor through the administrative processes along with the demands that were expressed to be discharged. As a direct and proximate result of the carelessness, recklessness, and negligence of the defendant as aforesaid, XXXX XXXX XXXX XXXX XXXX, XXXX caused to suffered mental anguish, XXXX, lack of sleep and anxiety. And will continue to feel this abuse from, XXXX XXXX every month. From the disregard to my personal wellbeing by his actions, they continue to send me a presentments to be paid every XXXX of every month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: M & T Bank misidentified a charge as fraudulent activity and froze my account. When attempting to resolve the issue, customer service could not help me, and referred me to the fraud department, which is not answering phones. I have been trying to resolve this for over XXXX hours and most recently have been on hold for XXXX minutes ( and still waiting ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a continuation of the previous complaint. Although I have been paying my homeowners insurance to M & T Bank each and every month without having the homeowners insurance in place due to M & T 's neglegence and not informing me that I did not have any insurance since XXXX of 2022. I have requested those funds to be returned to me and they state that they had to pay taxes with it even though they increased my morgage payment for 2022 to cover the increase in taxes in my area. They are refusing to return the money I have been paying each month for 8 months and not having insurance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To whom it may concern, this letter is to explain what M & T bank is doing to my credit file. On XX/XX/XXXX when congress made the Covid Relief Plan we took the forbearance on my VA Home loan. On XX/XX/XXXX I contracted M & T bank to start making payments. M & T bank approved our 3 month trial. We made our first payment on XX/XX/XXXX. So after M & T gave me a letter stating that at anytime and for any reason they can foreclose on my home. I talked it over with my wife and decided to sell the house. We sold it on XXXX XXXX funds were sent to M & T bank on XXXX XXXX at XXXX threw title company XXXX XXXX XXXX M & T bank decided to state on ALL XXXX of the credit agencies that home was paid after foreclosures processing had started on XX/XX/XXXX. As you can understand this causing me stress and they are defaming my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80129
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A