Date Received: 2022-09-01
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: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX M & T Bank, have all used the arbitrary consumer reporting system to discriminate against me, violate my privacy and violate my consumer right to obtain credit. I recently reviewed my consumer report and disputed violations of my consumer rights to privacy without satisfactory results. My dispute about privacy violation was met with responses about accuracy of reporting information. They never denied violation of my rights instead choosing to disregard it. Under Title 15 U.S.C. 1681a ( i ) the consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. 15 U.S.C. 6802 states that a financial institution may not directly or through any affiliate disclose non public information to a third party ( such as the consumer reporting agencies ) without my written consent. Hard inquiries and latenesses clearly constitutes non public experiences solely between myself and a financial institution/creditor and as such must remain privatebe safeguarded and protected. Disclosure of my information requires that I ( the consumer ) be given the opportunity before that information is initially disclosed to direct that such information NOT be disclosed to a third party. Theyve denied me my right to privacy and to exercise my non disclosure option and in reporting what amounts to private ( non public ) experiences between me and a financial institution have caused me harm/damage in pursuit of credit. I invoke my consumer right and formally request with this written letter the removal of hard inquiries and derogatory negative private information currently disclosed on my consumer report file within the allotted 30 day period. Their failure to comply with my initial written request constitutes willful noncompliance and makes them liable for damages to me15 U.S.C. 1681n.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06611
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
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: When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : M & T BANK XXXX Open Date XX/XX/2013 Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/22, I visited the M & T Bank on XXXX XXXX XXXX XXXX XXXX, in XXXX Maryland XXXX The teller requested I verbally confirm my social security number to which I responded I was not comfortable doing in a public lobby and then instead I asked for a piece of paper to write it on. After my transactions were completed, the teller proceeded to place the piece of paper with my personal information that included my name, address, account, and social security number on a pile on his desk. I immediately identified that to be a security concern and asked for it to be shredded. He said he was unable to do so. I asked if he could at the very least cross out my social security number so that it is not just sitting on a desk where anyone could easily access it. He informed me that the documents will be shredded after 90days of sitting on his desk. As I proceeded to inform him about my concerns and as he continued to justify his actions, the branch manager immediately and rudely interrupts our conversation to inform me that and I quote the bottom line is, this is the banks policy, you can take it or leave it and then proceed to ask me to leave now The very next day on XX/XX/22, I closed out all my accounts at M & T Bank as I will not do business with any company or organization or business that does not value me and my business or appreciate my concerns. Additionally, it is very irresponsible and careless for any business to expose a customer 's personal information in this manner leaving them vulnerable to data fraud and identity theft that could cause severe damages to me. I am requesting M & T Bank issue a formal apology for how badly I was treated. Additionally, they should reform their policies, processes and procedures for the safety and security of all customers. M & T Bank is responsible for ensuring this at the very least and owe this obligation to customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21075
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello, I opened my M & T banks checking account using a promo. Here are some details : - Date : XX/XX/2022 ; - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Open any personal M & T checking account by XX/XX/2022, and make qualifying direct deposits totaling at least {$500.00} within 90 days of account opening and get this special offer ( {$250.00} bonus for XXXX XXXX XXXX ). The bonus will be credited to your account within 90 days of all requirements being met. What I did : On XX/XX/2022 XXXX ) I found the promo on XXXX 2 ) It forwarded me to the XXXX XXXX XXXX XXXX 3 ) Clicked Redeem Online ''. 4 ) Put my zip code XXXX as requested- received the Good news! A cash bonus promotion is available in your area message. 5 ) It forwarded me to the application where the promo code XXXX was already pre-populated. 6 ) I filled in all the requested info and the application was approved and the account was opened. On XX/XX/2022 : My {$500.00} paycheck was credited to the account as a direct deposit. It's been more than 4 months since that direct deposit but I havent received the bonus though all requirements were met. Also, I contacted a bank representative using online account messages and got a reply that I was not eligible for the promo as my zip was not included in the promo area. I have a strong concern about that because : 1 ) There was no promo/eligible area ( or something like that ) in the promo terms and definitions on the promo page and during the application. See the attached prints of those pages. 2 ) When I clicked on the Redeem Online '' in the beginning, the Enter your ZIP Code so we can connect you with special offers popup appeared and requested my zip code. Once I put it the A cash bonus promotion is available in your area message appeared. I think its a direct confirmation that my zip was considered eligible at the time of application. I think I fulfilled all promo requirements and should get that {$250.00} bonus. Otherwise, that promo should be treated as a false advertisement. Please investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was used without my authorization and or knowledge to open an Auto loan with M & T bank. These accounts were open fraudulently. I have tried to contact the bank and resolve this account but have been unsuccessful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened the account on XXXX. I contacted company on XXXX and was unable to track information on account, then spoke to manager who gave another number who could help with online accounts. I was given phone number XXXX to get more info on a weekday. I spoke to someone today who told me the account was closed due to negative balance. I've never withdrawn anything from the account, but they advertise XXXX XXXX as No monthly maintenance charge and No monthly minimum balance requirement. I was never contacted on any changes, and all contact information is up to date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
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 opened bank account with M & T bank on XXXX of 2022, nad the when i signed up the bank told me they going to add my credit card to my online bank portal so i can control my account payments online, and since then i was able to take care of the payments online however when i signed in to my on-line portal on end of XXXX to do a payment i couldn't see my credit card on the online portal, and when M & T send the paper statement to my house it was already late for payment, i went to the local bank on XXXX XXXX XXXX, XXXX, NY i spoke to XXXX about the issue, he agreed to me that they're having issues with the postal service that sometimes mail arrives late, i called the bank on XX/XX/XXXX to complain about the late payment appearing on my credit report which is an effect of the online technical issue of not showing my credit card she connect me to the online dep. and they agreed that they're not sure why it happened and since this a bank system issue its not my fault of paying it late, and they can not report late on the report, but he is not sure how to fix this error on my credit report ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In the early morning of XX/XX/XXXX, I used a XXXX ATM at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I withdrew {$80.00} from the ATM but accidentally left my ATM card in the machine. When I woke up in the morning on XX/XX/XXXX, I noticed there were 3 ATM transactions at different ATMs than the one I originally used and a transaction from " XXXX XXXX XXXX '' that all occurred on the morning of XX/XX/XXXX without my consent. The transaction breakdown according to my bank, M & T Bank, is as follows : XX/XX/XXXXXXXX ATM WITHDRAWAL XXXXXX/XX/XXXX XXXX {$43.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XXXX immediately called M & T Bank on the morning of XX/XX/XXXX to report the fraudulent charges. They initially credited my account back the money while they conducted their investigation. I provided a written documentation of the event pursuant to their request to aid the investigation at the end of XXXX. I received a letter in the mail on XX/XX/XXXX, dated XX/XX/XXXX, that they have determined the transactions were processed correctly and no error has occurred. Therefore they are denying my claim. They provided no written documentation as to why the claim was denied. I called M & T 's telephone banking center at XXXX on XX/XX/XXXX to determine why this occurred and if there was anything else I can do to fight this. They verbally told me that the thief somehow had my PIN number for my ATM card and that's how the transaction processed, so no error occurred. I have no idea how they illegally obtained my PIN number. There could have been a skimmer on the machine. I have no idea. M & T claims they are unable to obtain security footage from the ATMs since it is not an actual M & T Bank ATM. I have since filed a police report with the XXXX Police Department and provided that documentation to M & T as well. M & T Bank is going to take {$830.00} out of my checking account on XX/XX/XXXX and there is nothing I can do to stop them. They are still investigating the fraudulent transaction of {$1400.00}, so no decision has been made if they will approve or deny that claim as well. Please let me know if there is anything someone can do to help. Thank you!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14127
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is a reply to my original complaint : XXXX ; documentation was not included. The actual loan- we were not aware that the loan was a balloon payment. My husband was an XXXX for over XXXX yrs, and he would not voluntarily choose to enter into a balloon payment. I found out the loan was a balloon payment when I took over the bills in XXXX of 2018. M & T had just sent the first letter letting us know that the payment would be coming due. We reached out to them which they do not have a record of- we went through multiple people at M & T without there offering any assistance or alternatives to help us. Each time we called it was a new person with no record of any previous calls. Hopefully, the process has improved, however, at this point, it was not helpful. Eventually, after attempting to reach an amicable solution, the loan became due. It took 3 months from the last payment- which we couldn't pay as the system locked down since the loan was due - for the loan mod to take effect. The terms raised the loan amount from XXXX to XXXX with a 7 yr term. A single-income family and the payment was double. One of the letters mentions an anomaly with the loan. This MTG was purchased from a small bank that went out of business. There is something not right here that needs to be addressed. Further, the frustration with the terms when they had our financials isn't right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21014
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, XXXX unauthorized deposits were made by XXXX in the amounts of {$0.00}, {$0.00}, {$0.00} and {$0.00} from my personal checking account with M & T bank. On XX/XX/XXXX, XXXX unauthorized withdrawals were made by XXXX in the amount of {$1000.00} totaling {$6000.00}. On XX/XX/XXXX unauthorized withdrawals were made by XXXX in the amount of {$1000.00} totaling {$10000.00}. At no time did M & T contact me or freeze the checking account for potential fraud. On XX/XX/XXXX when I withdrew money at an ATM from my checking account I immediately discovered the low balance. I immediately went to the local M & T branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and spoke with XXXX XXXX XXXX, Branch Manager who informed me the {$16000.00} had been stolen from my account. She instructed me to complete XXXX separate dispute confirmation summaries. This resulted in 2 case numbers, XXXX and XXXX which she faxed to the M & T fraud department. She said it could take 30-90 days to investigate the matter and return the {$16000.00} to my account. She froze the account so no withdrawals could be made other than existing outstanding checks or debits without contacting me for permission. She stated M & T does not know my spending habits or provide automatic alerts as that is my responsibility to set up using online banking or an app. I am XXXX and do not use online banking or apps at all. I opened the account in XXXX when they did not have apps or alerts. I also have never engaged in crypto currency or withdrawn such large amounts repeatedly on the same day. XXXX XXXX said the fraud occurred because someone had one of my checks and transactions were cleared by an account clearing house by M & T bank in XXXXXXXX XXXX. She said there had been other fraudulent transactions of this same nature dealing with XXXX and that I should consider myself lucky as another M & T customer earlier had lost {$25000.00}. I do not feel lucky. I also contacted M & T at XXXX several times ( XX/XX/XXXX, XXXX, XXXX, XXXX ) and asked to speak with someone in the fraud department. I was told multiple times I can not speak to anyone directly in that department instead only that employee could communicate with that department and that person would make notes that would be sent to the fraud department. I was told due to the amounts, there had to be XXXX case numbers instead of 1 case number for the same person ( me ), same account ( M & T Checking ) and same fraud ( coinbase, {$1000.00} withdrawals ). I am retired law enforcement XXXX XXXX XXXX XXXX and depend on automatic retirement, pension and social security deposits. {$16000.00} was stolen within 2 days and I was told an investigation had to occur that would be 30-90 days.
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: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A