Date Received: 2022-10-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XX/XX/XXXX M & T bank charged my checking with an overdraft fee of XXXX. On my account I have had overdraft protection through my savings account that I had arrange sometime back, but haven't had to use in some time because I always check my balances. Because of this service I wasn't worried last Monday because of the overdraft coverage I had. They charged my account anyway, so I contacted customer service and they didn't even check, she took a look at my account and said I don't see it and keep saying the same thing. She was also rude. M & T use to be a good institution, not any more. I did go to the branch on Saturday to try and work things out but they had one individual working and to many clients waiting I did wait about half an hour, then I decided to call instead. That was no help and I am looking for another banking institution. I don't lie and to be accused of it is unprofessional. I think I've banked their for about 10 years.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: a guy asked me to send some money to a girl because she had to buy some things for his kitchen and that doing this pleasure for him i can have some money, so he sent to me a check of XXXX $ and i sent the money to this girl and i bought two XXXX card for her, but after that my bank account was blocked and i went to the bank for understand why and they told me that maybe the check waa fraudulent. my bank is M & T bank
Company Response:
State: NY
Zip: 14127
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Thursday, XX/XX/2022, I visited M & T Bank located at XXXX XXXX XXXX XXXX in XXXX, PA to access my funds. The bank teller, XXXX XXXX was willing to assist me and requested my I.D., I provided my Virginia State drivers license without any issue. XXXX XXXX asked me to wait a moment to speak with the branch manager. The branch manager, XXXX XXXX informed me that my account had several deposits by XXXX XXXX and that he would need to come into the branch even though he was not listed on my account and should not have to be present for me to access my account. XXXX XXXX and XXXX XXXX informed me to have a seat in the lobby while they sorted out the issue. I felt extremely uncomfortable and was marginalized and denied access to my account as a female XXXX XXXX in my XXXX. I called XXXX XXXX into the branch because of the continued hassle. Upon entering the bank and speaking with me about the issue of retrieving her funds, XXXX XXXX was asked for his I.D . by XXXX XXXX. XXXX XXXX informed XXXX XXXX, he was not listed on her account and found it unreasonable for her to request his I.D . After waiting over twenty minutes without any resolution or explanation XXXX XXXX and I departed the bank on their own accord. Just as we departed the bank and headed to our vehicle several armed Police officers confronted XXXX XXXX and I. They wanted a statement. I agreed and explicitly stated without any hesitation what had occurred in the bank. The officer asked for me to wait with another armed Police officer as they wanted to get the bank employees side. Shortly after that another officer came rushing out of the bank with a piece of paper and said they want you trespassed and youre not allowed to return to this branch, do you understand? I in tears as she did nothing wrong and agreed that did not want to EVER return and be discriminated against again. On Monday, XX/XX/2022, XXXX XXXX reached out to the branch where I opened the account and spoke with XXXX XXXX, the branch manager. XXXX XXXX informed XXXX XXXX of the unfortunate and discriminatory practices that occurred in XXXX, PA the week before. XXXX XXXX informed XXXX XXXX that in order to close the account I would just need photo I.D . to access my account, he said its that easy. XXXX XXXX informed XXXX XXXX it is not that easy and elaborated on the events that unfolded in XXXX, PA. Not feeling comfortable with his nonchalant response XXXX XXXX XXXX M & T District Manager, XXXX XXXX XXXX XXXX XXXX spoke with XXXX XXXX and explained the events that occurred in XXXX. XXXX XXXX apologized and promised that he would be back in contact with XXXX XXXX on XXXX XXXXXX/XX/XXXX, however, XXXX XXXX did not hear from XXXX XXXX or anyone else with M & T Bank. The same day I made contact with XXXX & XXXX fraud department, and spoke with XXXX. XXXX berated me by asking her several questions that included ; where I am employed, who XXXX XXXX is, and asked why I was in Pennsylvania, and, why she visited a branch in XXXX, PA. These calls were recorded, not only are they unconscionable they should not be tolerated. On the morning of Wednesday, XX/XX/2022, XXXX XXXX contacted XXXX XXXX as he never heard back as promised the day prior. XXXX XXXX stated the bank in XXXX, PA failed to provide her access due to her being out of state. I was denied access to my funds. XXXX XXXX stated that I am is able to come into the XXXX XXXX, VA branch to conduct business and that my account is fully operational without any holds or restrictions. I received a PIN while I was out of town in Pennsylvania that I had requested prior to leaving to set up bill-pay however, that does not work. XXXX XXXX informed XXXX XXXX of this issue and he responded via email on Friday, XX/XX/XXXX, stated the following; XXXX XXXX, Im not aware that PINs can be deactivated. If web enrollment is the goal instead of fixing the PIN, XXXX calling the web banking XXXX number and asking to enroll over the phone is perhaps the best way to achieve that. If she were to e-mail me requesting that we try to do that on her behalf, we could, but the request has to come from her as the only person on the account. Were merging with ( acquiring XXXX Peoples United Bank this weekend, theyre about half our size so making that call before mid-afternoon today or waiting until XXXX would be best, really today is going to be better than anytime next week, the phone lines are going to be very heavy next week. Since this event, I did not felt safe using my card even though I am is the rightful account holder. The events that unfolded on XX/XX/XXXX and the continuation of discrimination are reprehensible and should be condemned. On XX/XX/2022, I attempted to use my debit card to complete purchases however, they were denied. I did NOT have access to my funds until I physically went to the branch where I opened my account. I NEVER should have never experienced this as a rightful account owner at your financial institution or denied access to my funds at M & T Bank. The fact that I was out of state does not rise to the level of calling the police that are armed with guns and having me trespassed. I was cordial throughout the process and even patiently waited inside the branch which is well documented. I did not refuse to leave the branch I left on my own accord. It is beyond unconscionable that this could happen to anyone especially me a XXXX XXXX in her XXXX. The public humiliation, stress, mental anguish, physical strain, denial of funds, access to funds, trespassed falsely accused of fraud and being locked out of her account for over three weeks. No one from the bank has even apologized for this error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22901
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Hello, My name is XXXX XXXX XXXX. I worked my whole life, plus took care of a sick mother and husband. I retired with over XXXX XXXX of dollars. I will admit I didn't know what to do with all this money. I never had any real money. Now I went to people 's United Bank which is M & T Bank now. I was dealing with a XXXX XXXX out of XXXX. I first went to people 's Bank on XXXX XXXX in XXXX, Ct. Like a fool I believed this lady who was later let go and told me I had so much money in a saving. Not true it went into a an account annuity? Which I fought and finally XXXX got my money back. Now this is the problem. I received a statement in XXXX showing I had a value of XXXX, I would like to send you a copy. I called the bank and they said I had no money. I said o.k. then send me back that statement showing XXXX in my account. They had my account no. Instead I got a letter from XXXX XXXX saying I had no money and he couldn't reverse that statement. I feel it's my money and they invested it?? Who can help Me? I'm at ( XXXX ) XXXX or XXXX XXXX. This bank gave me trouble from the very beginning so I don't trust anything they say.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I attempted to initiate a bank to bank transfer of {$200000.00} from my XXXX XXXX savings account to my M & T checking account in preparation for closing on a home. The transfer was supposed to have completed on XX/XX/XXXX, however, on XX/XX/XXXX, the money was instead returned to my XXXX online savings account. I subsequently learned that M & T has a daily incoming transfer limit of {$2000.00} and a 30 day transfer limit of {$5000.00} in a call to them on XX/XX/XXXX. I contacted M & T again on XX/XX/XXXX in an attempt to request a raise of this limit to allow me to transfer {$63000.00} from my XXXX XXXX savings account to my M & T checking but was rejected.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I went to the bank an couldnt open a saving
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07206
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Lost around XXXX dollars from my bank card.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On Sunday XX/XX/2022 I contacted M & T bank formerly Peoples ' United Bank since they did not move any bank statements from People 's United to their computer system and only have 60 days worth of transactions online to view. I asked for at least the last years worth of statements. I received a message that the statements were ready but that was only for the month of XXXX. So now I have XXXX and XXXX of XXXX. So I called and spoke to a pleasant customer service rep who said she could not do a full year but could transfer me to a specialist who could probably help. So after all the waiting I speak with the specialisXXXX and told her the situation and explained I need this info ASAP. She tells me it's in process since I made the request 2 days ago so I only have 8 more days to wait since it's 10 days for this request. I explained that is not going to work as this is my bank info and I needed it in the next day or so. She explains that it is my fault that M & T sent a message to the future customers that it was their responsibility to grab their statements from Peoples United and she could not help me. I explained that this was not reasonable and that just because- And as I was trying to explain this she hangs up. And it was a definite hang up. I will be closing my account with M & T but I need my statements that should have come over from my previous bank and sooner than 10 days. This should have already been done when switching over the systems as was done when People 's United took over United bank a few years ago when we had to go through this process then.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On the XXXX of XXXX we reported to the M & T bank that two separate checks from our account were fraudulently cashed for a total of {$16000.00}. We froze the account and opened a new account. We were told by the M & T bank that we would be refunded with 7 - 10 business days. However as of XX/XX/XXXX we have not received any funds. When we called regarding our reimbursement, we were told that it could take at least 90 days plus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX close to XXXX of 2022 I traded in my camper to XXXX XXXX for another camper. the camper I traded in was with M & T bank. Once the trade was complete it showed that my account was closed and I financed my new camper with another bank. As of end of XX/XX/2022 i was receiving phone calls from M & T bank to call them, Once I was able to talk to someone they told me that i was 4 months past due on making a payment. I told them there is no way thats possible cause the loan i had on that collateral was traded in to XXXX XXXX that I even dont own that camper anymore. So i called XXXX XXXX They called the bank and spoke with them and sent them all the documents that the camper was traded in and resold to another customer. During this time i was promised by XXXX XXXX and M & T bank that while they were trying to figure all this out that my credit was not going to be impacted. Well as of Friday XX/XX/XXXX was notified by XXXX XXXX that there was a change in my credit so i looked into it and shows that M & T bank has reported me as deliquent on payments with them. This is falsely reported considering This account shouldnt be open or even in my name. I was told to file a report before taking legal matters as to where this has hurt my credit tremendously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A