Date Received: 2022-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: credit card company is reporting inaccurate. my credit card is paid per obligation of the united states. 31 usc 3123 payments of obligations and interest on the public debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX we were offered a special forbearance on our mortgage from M & T Bank due to temporary hardship. The way the forbearance was explained to me was that we could simply pause our payments for 6 months and the bank would just add the 6 months to the end of the term of the loan. There would be no changing of the terms of the loan and it would not go on our credit report. At the end of that 6 months in XXXX of XXXX, I called the bank to begin making payments again. They explained that we were eligible for another 6 months and that the terms of the forbearance were still the same as before. We agreed in order to take the opportunity to pay down some of our other debt. We then called the bank in the middle of XXXX to schedule our mortgage payment for XXXX. Thats when we were told the terms had changed on XX/XX/XXXX, without us being informed, and that we would have to pay the past due balance of nearly {$30000.00} in full in order to keep our original loan terms and that if we could not do so then they would have to submit a loan modification and it would be based off the current interest rates. We were told that there are no other options than those XXXX or we would be subject to foreclosure. After the loan modification was approved our interest rate had doubled and our payment had increased {$1000.00} from the original payment. After a few conversations with customer service reps we found out that the original forbearance we agreed to was no longer in place after XXXX of XXXX, and we were never informed of this. Not even when they offered it to us again in XXXX of XXXX. We are currently scheduled to make a payment of {$2900.00} on XX/XX/XXXX as part of a trial payment for XXXX months in order to continue with the loan modification so that we do not face foreclosure. We feel as though, rather intentionally or unintentionally, we were mislead both in XXXX of XXXX and XXXX of XXXX as to the actual terms of the forbearance. On top of that the terms were changed without our knowledge. It was never explained to us that the forbearance was subject to change at any moment and that it was not even up to M & T Bank but that their investors dictated the terms of the forbearance and could change them without notifying us at anytime they chose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 404XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: M & T and XXXX XXXX are attempting to foreclose ob my home with fraudulent robo signed assignments. m & T refused to respond to my QWR, dispute and the debt validation. I request a loan modification i mailed in the documents and a week later i received a notice of foreclosure .This clearly dual tracking. I only owe {$100000.00} on my loan and my house is valued at XXXX. the are attempting to foreclose on my for less than {$7000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Last XX/XX/2021 I became very sick with XXXX followed by each son. In the mean time I was changing Home owners insurance and had received a refund check that I was attempting to send in to be applied to my account. During this time I had written down the address where to send that check and accidentally sent my mortgage payment there also where it sat and sat. I called multiple times and the person that I spoke with told me that it was finally sent to the correct department and that it would be notated on my account and would not be marked late and also stated it wouldnt be sent updated on my credit report because you dont report there. I had also requested Cares act help to get all of the confusion situated and was told no because i was in XXXX XXXXXXXX which was 100 % incorrect and a flat out lie. I am seeing they just have zero compassion, enjoy watching the struggle, enjoy being very rude to their customers. It's actually pretty sad. They enjoy that power trip. Every time i spoke with them they stated they were putting notes in the system and it wouldn't be marked late. I am currently trying to get a line of credit to pay of my XXXX XXXX now that I am in a better place so I can move on with things and help my oldest with college tuitions but I need a 12 month on time payment history and my statements are showing late payments even though the CSR I spoke to today did say that there were vague notes in the system its not his fault it was sent to the wrong address. I also at one point had called in my payment and it was never processed although it also showed in the notes when I had originally called to make payment he never finished the transaction and foolishly I didnt ask for a confirmation number. You would think i was asking for them to take XXXX of dollars off of my loan. I am asking for some errors in late payments be fixed so this will not affect me negatively while I am working to get myself back on track. It is a shame what big cooperation 's have become with with their rude minions on the other end of the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/22 : @ XXXX {$1000.00} was withdrawn from this writers checking account, leaving account in the- {$1100.00} ( was already in the XXXX prior to cash withdrawal ). This writer called customer service @ XXXX. Such agent expressed to this writer that I should discuss with my mother ( who is also on the account ) but was unable to give me information on the check that was used to take out this non-authorized transaction. This writer had to go into her own account to find such information & call again to discuss the problem with a new agent @ XXXX. This new agent informed this writer that I need to go to the nearest banking location for further instruction. XX/XX/22 ( continued ) : this writer arrives at M & T Bank @ XXXX. Discussing the same issue with bank teller. Bank teller ran through my account to print down the check and match signatures, which clearly do not match. Bank teller proceeds to tell Bank manager ( Individual did not introduce with title so Im assuming ). Bank manager informs this writer that he will launch and investigation & will call me later that day. I did not sign any paperwork such as a report or affidavit. This write leaves bank @ XXXX. This such bank manager called this writer back @ 3:36p to inform this writer that he was able to see that the person who wrote the check must of wrote the wrong account # down on the withdrawal slip. However, this writer informed the bank manager that there are no checks in this writers name so it is very concerning that someone can write down account # s and no extra verification is taken place. This writer was informed that the money of {$1000.00} will be placed back into this writers account Monday XX/XX/22. XX/XX/22 : this writers account is still - {$1100.00}. This writers calls the local bank @ XXXX to speak with bank teller. Bank tell takes down all my information and informs me that they will call back soon once discussing with the same bank manager on the status of my situation. No one calls this writer back. This writer calls back again @ XXXX informing a new bank teller the issue. Bank teller informs me that the bank manager is out to eat and will call when he is finished. I received a phone call @ XXXX from bank manager stating that my case is still in review and should be fixed hopelessly Tuesday XX/XX/22. This writer informed bank manager that such account needs to be fixed by Tuesday due to being paid this Thursday XX/XX/22 & having wrongful negative balance will result in this writers paycheck to be taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06514
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I logged in my XXXX XXXX to down load the XXXX XXXX. I was given a code to put in XXXX Then I was directed to call XXXX and find out why I cant log in to the XXXX XXXX XXXX XXXX. That is the first picture. Then the guy on the phone said that my XXXX account was compromised that there was {$6000.00} charged to my account. He listed a bunch of states that my account was in. He then had me download the cash app, rainbow app, rockitcoin and XXXX. And XXXX app too. He had me use my XXXX and downloaded all the apps. He watched the XXXX screen when I put in my bank card numbers and then my passwords and email. I started to get suspicious when he was pushing me to go fast. My husband told me to hang up and I did. He continued to text me. XXXX pictures. There were names he had me send money too. He said they were the people who purchased on my XXXX aXXXX XXXX XXXX and XXXX XXXX. The bank is refunded me all my money except the {$2500.00} that was sent by the scammer that hijack my computer and sent money through the XXXX app. I have made several requests for the bank to refund my money but they are refusing. I filed a police report and had to change out all internet equipment because my IP address was compromised. I have the police report but I am unable to get to it because I am out of town for the next week.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received a debit card from m & t bank with my name and address on it. I never opened this account. When I called on the phone, my social security number was also attached to this account.
Company Response:
State: NY
Zip: 11001
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was a victim of XXXX scam for a total amount of {$3800.00} and I explained the issue with my bank and they have yet to refund me. Im a current XXXX XXXX with no income and now suffering financial and have issue paying my monthly bills XXXX XXXX XXXX XX/XX/2022 {$560.00} XX/XX/2022 {$1000.00} XX/XX/2022 {$800.00} XX/XX/2022 {$800.00} XX/XX/2022 {$560.00}
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Manufactures & Traders Trust Company absorbed XXXX XXXX XXXX XXXX which was my bank for 20 years. I receive many messages that the changeover to M & T Bank would be a smooth an easy transition. When the change actually occurred, I was locked out of my account. I tried calling the bank many times and the wait was over XXXX hours on the phone. I went to a local branch, where an employee tried to help me by sending me a temporary password, so that I could try signing in. What I finally found out after several visits to the bank is that M & T did not probably prepare for customers to have a special character in the online usernames, even though XXXX XXXX required that. I was told that it take several days to a week for them to resolve this issue. What eventually occurred is that I was locked out of my account from XX/XX/XXXX to XX/XX/XXXX. What I finally learned after another phone call is that M & T Bank changed my username without telling or notifying me. If I knew this, I could have had access to my account. I feel that the way that they handled this merger and change over from XXXX XXXX was extremely unprofessional and lacked the service and care that was needed at this crucial time. How a large bank can take over another bank and not know that many customers would have special characters in their usernames is extremely shocking to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06905
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This case is about {$8000.00} being taken out of my account at M & T bank on XX/XX/2022 without my knowledge or permission.M & T bank should have notified me of a large transaction like this if I authorized it or not.The account was suppose to being watched for suspicious behavior the IT staff at M & T should have thrown a flag up with this large of a withdrawal.I should have been notified.When I discovered this I was at the bank before they opened and waited for the Manager and disclosed what happened.My account was compromised and the banks job is to protect their Customers assets.I started a dispute with M & T bank and they should in good faith return the money that was taken out of my account.It is the banks responsibility to protect at all times the customers hard earned money.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A