Date Received: 2022-11-14
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: I am requesting that M & T XXXX. remove XXXX XXXX XXXX day late dated XX/XX/2020 from XXXX, XXXX, XXXX. This payment " late '' due to XXXX extenuating circumstances beyond my control & directly attributable to M & T & XXXX actions. As usual, I attempted to hand deliver my XXXXto the XXXX M & T branch on - however, M & T would not allow clients to enter the branch & would not accept my payment thru the locked door. I tried another branch the next day & had the same result. M & T XXXX XXXX XXXX refused payment slide under door. I then attempted several times to send XXXX XXXX via electronic funds transfer. XXXX, the bank that I write checks from, ( formerly XXXX ) was in the process of being taken over by XXXX SB. Unknown to myself ( or any customers of XXXX ), XXXX had started to transition/change routing # 's. My electronic funds transfer attempted XXXX was rejected several times due to XXXX not accepting the existing XXXX routing # which I had for XXXX years. I went to the XXXX branch, explained the issue & was provided with an incorrect new routing #. The eft failed again. ( XXXX employees were unaware that XXXX had started the change over ). I finally obtained a correct XXXX routing # & the payt. was processed. These circumstances are beyond my control. I should not be held responsible for M & T refusing an on time XXXX XXXX & bank acquisition changing of routing #. ( Note : XXXX said they would have honored the mtg.payt.check with the old routing # if M & T had accepted my check with the XXXX routing #. ) I have provided attached evidence of my contact with M & T ( no response ), letter from XXXX admitting XXXX did not recognize their own routing #, and I that I had sufficient funds. There is an error ( of course ) in the XXXX letter. The routing # change began in XXXX XXXX, it was completed in XX/XX/2020 as stated in the XXXX letter ( they are a mess ). I have provided documentation of XXXX takeover of XXXX, proof of multiple attempted XXXX XXXX.s prior to the due date. Please feel free to contact me re : questions, comments or additional documentation. Thank you for your assistance with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07644
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: logging in-then keeps saying unable to get to this website -- -- -- -- ive done with this XXXX bank once and for all please close them down
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06033
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: M & T Bank holds the mortgage to my condo and I was in court proceedings for foreclosure with M & T Banks attorney 's I applied to XXXX XXXX XXXX XXXX XXXX to help reinstate my mortgage. My mortgage is with XXXX XXXX XXXX XXXX Agency ( XXXX ) XXXX at that time ( XX/XX/2022 ) requested the most current mortgage statement, and they then reached out to M & T Banks attorney 's that are assigned foreclosure case. The my mortgage statement was reviewed by both parties and negotiated the amount that would be accepted by M & T Banks attorney 's to reinstate my mortgage and bring it out of foreclosure. I then received an email in XX/XX/2022 for XXXX a promissory note and singed stated that the funds/amount would reinstate my mortgage with M & T Bank XXXX After M & T Bank received the funds from XXXX they then told my that my mortgage payments were brought current and that I still owed additional {$9800.00} plus to them. Bait and switch- this is not what the agreement stated when I signed it. If someone could please help me with this matter I would very much appreciate it. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I would love to remind my mortgage payment because Im exiting my heart I dont have a job I lost my vehicle on yours and mine jump also because I need love XXXX tomorrow again is that Friday cans that walk where are you going to call for the mortgage did you want to listen to XXXX did forget opinion because I dont have any money from my wallet right now mine boiler is not working in my bathroom is not working phases of my wallet forget you dont want to listen to XXXX XXXX I said I want to do it its in my first time please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Company : M & T Bank Date : Week of XX/XX/2022 Amount : ~ {$1000.00} Action : I have spent hours on the phone with M & T Bank trying to transfer funds to complete a bank to bank transfer. Their customer service is terrible and I do not recommend banking with M & T. At first they did not know why my bank to bank transfer wasn't going through on my online account. Then they told me information was not matching up, but they didn't know why because my account numbers were. I suggested it may be because my middle initial was not present in the M & T account ; they agreed this could be the issue but refused to add my middle initial to solve the problem. I called my other bank receiving the transfer, and they changed my middle initial immediately to match up with M & T. Then, I tried logging into my M & T account ( as their staff instructed me to do ) and I was locked out of my account for " security reasons '' despite inputting correct credentials. Throughout this process, I have had to provide security codes over and over to log in to check if the transfer would go through. I've been on hold for several hours ( over 30 minutes and waiting with a current call ). M & T service is terrible and I am concerned they are not allowing me to transfer funds since I told them I would be closing my account afterwards ( after moving to a different state ). I have followed all their instructions and they have put up every roadblock they could along the way.
Company Response:
State: MT
Zip: 59105
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On three separate occasions over a one week period ( XXXX through XXXX ) I have received three debit cards- referencing three new accounts opened in my name from M & T Bank. All accounts were opened On-Line using my name, address and SSN. The Bank has finally placed fraud alerts so that no other accounts or cards will be issued in my name.
Company Response:
State: NY
Zip: 12180
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I called M & T Bank and as usually the same prompts were provided. The representative was unknowledgeable, Concerning my identity theft and other prior documentation concerning my account. I was asked questions that made me suspicious of situation. I hurried off the call with M & T bank and noticed my cellphone number I use to identify M & T Bank with and us to call from my contact list was different and it disappeared. I took a snap shot of what I could to justify my accusations. I immediately called the FTC and, while speaking with the representative my cellphone started to upload. I told the representative I had to hurry and hang up. I then turned off my cellphone. My M & T Bank is cloned with an imposter pretending to be my mortgage company. My cellphone is hacked and my-accounts are to. This is a familiar incident I am experiencing with XXXX currently. I provided XXXX with the impostors contact information that is being used to scam me.. I have information in my phone that states encrypted secret conversations T that I did not authorized or have knowledge of, until recently. I request an investigation and a stop to foreclosure procedures. It is more that obvious that I am experiencing extreme identity theft and it has already been documented and identified. I am not receiving emails or any correspondence properly. All of my electronic devices have been compromised. I have a police report. The bankruptcy M & T Bank validated was months prior to my knowledge of occurring. I received NO correspondence from M & T Bank, concerning a bankruptcy, during the time of the fraudulent transactions occurred. I am a victim, I am being treated unfairly. I reported fraud and I have not spoken to anyone concerning the investigation of the criminal fraudulent activities that are occurring in my name under my identity that is approved by M & T Bank. I have information that I am anticipating sharing with M & T Bank in the pursuit of Justice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: M & T Bank has destroyed my credit by misreporting payments, losing my money, and failing to do this time and time again. In XX/XX/XXXX I suspected something was wrong with my account. I use my M & T checking only for loan payments. Each month I deposit the amount needed for those loans and extra to cover any additional. However, for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my account was negative. I contacted M & T branch several times speaking to XXXX XXXX XXXX XXXX, and XXXX XXXX They were rude and dismissive. They told me to read my online statement and that my account was current and nothing was overdue or missing. They asked me if I was able to read, and if so why wasn't I reading my statements. It was rude and demeaning. However, I insisted that there is no reason for my account to be negative when I making monthly payments on time. When XXXX came I was billed {$1200.00} for a {$600.00} loan installment. I again went to the branch who did nothing and turned me away saying my account is current. I contacted the office of the president due to this, who FINALLY did the diligent research I had requested for 90 days and discovered the branch had misplaced my XX/XX/XXXX payment made in cash, marking it as a miscellaneous payment and not applying it to my loan. This caused my account to be negative, XXXX XXXX and XXXX and a XXXX payment to be collected twice. I was denied a loan by XXXX bank despite being preapproved as a perfect candidate and they provided me a report of this. M & T denied they reported the missing XX/XX/XXXX payment when they lost it and said it would not affect my credit. This was a direct lie. I forwarded them the report from XXXX XXXX and they then immediately backtracked and double down on those lies. In the midst of this, I spoke to XXXX XXXX XXXX, and XXXX about deferring my payments until this was resolved. They owed me the payment they lost of {$600.00} from XXXX, the double payment collected in XXXX {$1200.00}, and all fees and interest associated with this. They assured me via phone conversation Thursday XX/XX/XXXX the deferment was being processed so my XXXX payment would not be late. I signed the deferment for both loans XX/XX/XXXX. This was also confirmed by XXXX XXXX on XX/XX/XXXX that both loans were deferred. I received a call on Monday XX/XX/XXXX from XXXX XXXX at M & T stating she was processing my deferment. I was very confused. I assured her this was done XX/XX/XXXX not sure why she was calling me nearly a month after the branch assured me this was done. She said it had not been processed. This means following my XX/XX/XXXX conversation with XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX they had did nothing for two months allowing both my XXXX and XX/XX/XXXX payments to be late AGAIN. Another mark to my credit. This occurred in XX/XX/XXXX as well. I am fed up with this inappropriate, fraudulent bank that has ruined the perfect credit of a brand new women owned, XXXX owned business. I will inform my community leaders and file a lawsuit if this is not handled immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: M & T Bank holds my loan for my house at. This was a VA loan that I assumed from the old owner, assumed approximately XX/XX/XXXX. Regarding property insurance, my spouse and co-owner submitted our proof of insurance from farmers at least 3 times to M & T Bank, this was a condition of assuming the loan. The old owners held their insurance through XXXX, apparently their policy wasn't formally cancelled until XX/XX/XXXX, after XXXX sent a bill to M & T for insurance for the following year totaling approximately {$3600.00}. M & T paid the XXXX bill without verifying the names currently attached to the loan. This could have been an employee or a computer error. Through phone calls first to procure my first mortgage statement M & T had put the old owners new address down as my mailing address along with a there phone number, it took several phone calls and reentries to get this straightened out, if it is straightened out. There were letters and bills that were apparently sent out but the went to the wrong address. Under an assumption with M & T bank there is no capability of adding online access to the new home loan owner. Additionally the employees I have spoken to over the phone are not authorized to send pertaining documents to me. M & T did their own escrow analysis and increased my monthly mortgage by approx. {$300.00} a month to cover the Mortgage. I have ordered a new escrow analysis twice, several employees have confirmed what I described is what happened. M & T has provided me with the old owners XXXX policy number and advised me to contact them, explain the situation and once a refund is issued a new escrow analysis can be performed and in two or three months the payment will revert back to the original value. M & T is not authorized to contact XXXX themselves. However XXXX can not issue a refund to me for the old owners policy number because I am not listed on that policy. I paid the incorrect amount in for XXXX because I was afraid of going into delinquency. After being promised I wouldn't be held responsible for late fees or reported to the credit bureaus if I withheld payment until this was resolved I received a letter dated XX/XX/XXXX stating they were correct to report me. I then paid XXXX bill in the correct amount that they state is {$300.00} short.
Company Response:
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Complaint targetted to XXXX and M & T On XX/XX/XXXX, I initiated several XXXX transactions at M & T Bank ( Manufacturers and Traders Trust co ). After the XXXX transfer it locked my account under a fraud detection software. I called and waited on hold for XXXX hours and the representative resolved the issue and I completed the XXXX transaction. The next day I attempted to initiate another transfer and again it locked my account. I waited on hold for XXXX minutes and did not get through. That evening I called again and waited on hold for XXXX minutes and never got through. I called the regular customer service section and they said they could not help me they would need to transfer me to the fraud detection group and that I should be prepared to wait over an hour. I tried again XX/XX/XXXX and only waited XXXX minutes. I called a local branch to attempt to go in and handle the issue in person and they told me don't come, there is nothing they can do. The manager shared with me that he personally had to wait an hour and XXXX minutes for his own issue and that I should consider waking up really early on Saturday and trying to call then. I then called the XXXX XXXX XXXX XXXX and they indicated that M & T " Bank '' is not really a bank and they had no jurisdiction and I would need to follow up with federal regulators. This feels deceptive to me. These payment are for my mother 's caregivers. She is a joint holder on the account and requires 24 / 7 coverage. When we don't pay timely they do not show up the next day.
Company Response:
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A