Date Received: 2022-08-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I check my credit report and see inquiry on my report. I haven't applied for any credit for these inquiry to be on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I signed up for a promotion for M & T Bank under which if you leave {$10000.00} in the account for XXXX and XXXX, they would pay a {$350.00} promotional bonus by XX/XX/XXXX. The bonus code I signed up under was " XXXX '' but I later called to have this changed to " XXXX '' which also included an extra {$100.00} for having a {$500.00} direct deposit made tot he account. This bonus was already received. I transferred {$10000.00} to the account by XX/XX/XXXX and did not remove any funds until XX/XX/XXXX, so I met the terms of the promotion for earning the {$350.00}. I received a letter in the mail dated XX/XX/XXXX that my account would be closed as of XX/XX/XXXX. The letter did not contain any information about why M & T was closing the account. I suspect it's because they do not want to pay out pursuant to the terms of their promotion. I spoke to 3 separate customer service agents today, and each one had a different take on whether the bonus would be affected, so I am writing to the CFPB for clarity on this issue. It would also be helpful to know why M & T is closing my account and to confirm that it will not adversely impact my credit score or any other reports or my ability to open bank accounts in the future. I do have a recording of the last call in which the agent indicated that the payout of the bonus would not be affected by the subsequent closure of my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Opened a New Account with M & T on XXXX XXXX. Transfered money from my other Bank Accounts on XXXX & XX/XX/2022 for a total of $ 5K. M & T placed restrictions on my account to use this money & not letting me Transfer this money. I Called Customer Service to remove the restrictions or close my account and refund my money back to the source accounts. They are not doing either, please help me in getthing the account closed get my money refunded.
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Starting XX/XX/2021 we have been trying as a family to get our funds out of people 's bank with many road blocks, a year later we still have no resolution. The banks manager?, XXXX XXXX, at Peoples BANK, NOW M AND T keeps stalling, sending forms to incorrect addresses, asking for more items to be notarized, or for my XXXX XXXX XXXX mother who is no longer in the state to come and pick up a check. As of last correspondence the most recent info to be notarized was sent to my incorrect address even though we gave him the address record- - it seems he intentionally, maliciously changed the street # misspelled the town and gave the wrong zip to stall. we need resolution quick as this is putting undue stress on my mom who is XXXX XXXX XXXX and caring for her ailing husband who doesn't have long to live. A TRIP OUT OF STATE TO THE XXXX BRANCH IS OUT OF OUR ABILITY AS WE ARE CARING FOR A VERY SICK MAN. PLEASE LET US KNOW OUR OPTIONS FOR GETTING THE MONEY OUT WITHOUT HASSLE. WE HAVE PROVIDED NUMEROUS FORMS, REVOCATIONS OF TRUSTS, PROOF OF NAME CHANGE, NOTARIZED SIGNATUUES ASKING FOR THE MONEY,. I think honestly we are dealing with someone who for some reason is acting illegally and unprofessionally holding back our money and we ned help. thank you XXXX, XXXX, XXXX and XXXX
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a deposit to my checking account in the amout of {$4400.00}. The ONLY deposit I am anticipating to my checking account is from my income teax refund in the amount of {$15.00}, XXXX. I called M & T Bank at approximately XXXX and the lady took my account information, LEFT ME ON HOLD for an extended amount of time and I was FORCED to call M & T Bank again. I advised her that I am anticipating a deposit from my income tax in the amount of {$15000.00} and I asked her why was M & T Bank holding my funds because they only gave me part of the deposit. She had no answer and gave me no information to my account. I would like for M & T bank to give me access to my entire deposit from my income tax returns effective immediately.
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: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My Wife and I have been People 's United customers for over 16 years and have had a very solid and friendly relationship with them throughout that time. We mortgaged our new home through them and have maintained both savings and checking accounts through them with very strong balances. We also, recently opened a business checking account with them after they continuously promised to provide excellent servicing of the new account. I then received a letter, in XXXX, from M & T bank stating that they were taking over and no longer wanted to service any of our accounts and that the accounts would be automatically closed by XX/XX/XXXX if we didn't come into the branch and close them ourselves. We therefore, visited the branch on 3 separate occasions to try to clear up this matter and obtain an explanation. We were told, all 3 times, that we would be contacted by XXXX XXXX, the bank manager, within 24 hours. We never heard from her or anyone else from People 's United again. We left for a XXXX vacation at the end of XXXX and arrived home on XX/XX/XXXX, only to find that all of our accounts had been closed with no explanation, still. I called the home office and they 'again ' stated that XXXX XXXX would contact us when she returned back in the office after XX/XX/XXXX. We again, never heard from People 's or M & T. In the meantime, we had direct deposits from my employer that had nowhere to go, as well as bills that were supposed to be automatically paid that fell delinquent.and damaged our exceptional credit rating. And we still have no explanation as to why this happened in the first place. My Wife and I have never felt so humiliated and have never witnessed such a cover-up of information as to why we were cancelled by the People 's family to begin with. If they had just been honest with us from the start, we could have made adjustments before our trip to avoid this fiasco.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX My account was overdrawn by $ XXXX. I tried to dispute charges and the M & T bank said it was nothing that could be done. I had a meeting with branch representatives and nothing was done it was sent to debt collectors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am again in the process of a deed-in-lieu of foreclosure on my house located at XXXX XXXX XXXX XXXX in XXXX DC . The home for this round has been vacant since XX/XX/XXXX. MT Bank contacted me on XXXX XXXX and informed me they are now in the process of foreclosing on the home, stating I am in default for unpaid monthly payments. This is false- the Bank has paused the required monthly payments due to being in the DIL process- they are threatening to foreclose my home without my knowledge and without informing me of issues in the DIL process. The DIL process has taken over a year since the application was submitted. The Bank has continuously dragged the process out, taking 2-3 months to send notary documents to an incorrect address several times, providing the wrong home address to the security company they hired to change the locks, and processing legal paperwork through their lawyers. I was informed in XXXX that the notary documents were received, and the last step was a final title check - which still has not been performed to close out the process. The Bank has failed to provide transparency or continuity in its statements about the process. Due to the lengthy time MT Bank has taken, the home has now been compromised, and my financial struggles have no defined end. On XX/XX/XXXX, my next-door neighbor informed me that the property was broken into and trashed. The neighbors, who are physically connected to the townhome, have repeatedly called the cops about squatters on the property and are concerned for their familys safety. They are outraged that the Bank has not finalized this process, causing undue XXXX and worry about the safety of their children. I notified MT Bank on XX/XX/XXXX with the Police Report Case Number and received no feedback, response, or acknowledgment. Their delay in closing out the DIL process has forced me to pay unnecessary utility costs, hundreds of dollars over the year, only made worse by the squatters who had broken into the home. They turned all the utilities back on and trashed the house. MT Bank continues to call me to cross-examine me about the home 's condition as part of their " process '' without finalizing the DIL in an acceptable timeframe, and despite the information I have repeatedly provided over the year. The Bank has, in writing, held me to pay utility and insurance costs and accept responsibility for the maintenance of the home, which I have not had physical access to since they hired XXXX XXXX to change the locks and secure the property. I can not even have my insurance company enter the home to accurately assess the damages ( which I should not be held responsible for as I have no physical access to the house ). The neighbors informed me that XXXX XXXX was well aware of the squatters and made no further attempts to inform interested stakeholders or secure the home appropriately. This is causing increased and unnecessary risk to the protection of the home, the neighborhood, and my financial costs- which I should no longer be obligated to since the Bank and XXXX XXXX have set the conditions for increased risk. I am concerned I will be held responsible for the effects of the Bank 's poor practices and further financially impacted by the surrounding issues. I have done my due diligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022 I withdrew {$200.00} from M & T Bank 's ATM in XXXX, Maryland and received precisely {$200.00} routinely as expected. Then, on XX/XX/2022 they charged me an additional {$300.00} on the same checking account giving only a reason of " Misdispensing ''. Upon my inquiry to their office about the charge, they said their ATM malfunctions, thinking they dispensed {$500.00} instead of {$200.00} of my withdrawal. I disputed with them that I only received {$200.00} as requested. I was not aware of this incident until XXXX that's why I visited them on XX/XX/2022, since they never indicated of this charge to me until I used the ATM again on XX/XX/2022 and found out from the lower balance than expected on my account. Upon additional visit to their office I learned that their ATM had a video recording on each withdrawal cash, but never offered to show or confirmed that they used any kind of evidence to support such a charge to me. Nevertheless, it's their machine, it is under their control and I have nothing to do with it. I needed at least some evidence like documented by the machine like the video recording for them to make such a charge to me. The bank so far has provided no solution to this dispute upto now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage servicer, M & T Bank, has been waiting to apply my mortgage payments to my account, charging me erroneous late fees, harassing me with late payment phone calls when my mortgage was paid, and marking me late on my credit report for the last XXXX years. I have tried on several occasions to resolve this on my own with M & T but XXXX received any help of any kind. I have called on several occasions, written a letter, and even sent in proof of the receipts to show when my mortgage payments were made. Every single mortgage payment in this time period has been made the exact same way. I cash my check at the XXXX M & T branch closest to my home, then give the teller the cash to pay my mortgage payment. Every single payment I have made has been made prior to being XXXX days late on my mortgage payment, and I have the receipts to prove it. However, my credit report shows otherwise. I believe that I have not had a late payment since prior to XXXX of 2020. In XXXX of 2020, I caught up on my mortgage. I believe I was XXXX months late. This was due to my XXXX being XXXX and XXXX in my home. Having these late payments on my credit report is hindering me from being able to sell this house and purchase a new house, which I need to do to be able to bring my XXXX XXXX here to live with me. I have been told by more than XXXX mortgage company that I need to have a cleaner payment history in the most recent 12 months to meet mortgage underwriting guidelines. Additionally, this has destroyed my XXXX XXXX, preventing me access and/or reasonable terms to multiple different forms of credit. I will attach the following documents to show proof : - A written timeline/ outline that shows the date the payment was made, the amount the payment was made for, what months mortgage payment, if I should have accrued a late fee for paying after the XXXX of the month, when I did pay late fees, and the late payments that appear on the credit report broken down by year - Copies of all receipts from M & T Bank XXXX specify the date the mortgage was paid and for how much - A copy of my most recent credit report - A copy of my most recent letter from M & T showing I have tried to resolve this on my own. I have additional letters, but Id have to look for those letters. The letter shows that my cash mortgage payment is not being applied when it is received. - A copy of my most recent monthly mortgage statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A