Date Received: 2022-08-11
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: M & T Bank admitted to discrimination thru adverse action on a consumer extension of credit, adverse to my interests after I exercised my rights in good faith, this action is unlawful as it is unlawful for any creditor to discriminate against any applicant with respect to any credit transaction. I exercised my Right to credit protected by laws that Congress has set into place 12 CFR 1002.7 to protect me.
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: REFERENCE NUMBER XXXX RESPONSE SENT BY WILMINGTON WILL NOT OPEN
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I did two modifications one in XXXX with XXXX XXXX and another with M & T bank in XXXX. M & T bank claims that they made me aware of a second lien on my property over the phone. I alleging that that conversation never took place, moreover I'm under the assumption that no oral agreements exist. M & T Bank sent me the XXXX modification documentation with XXXX XXXX which shows a second lien that I did sign for, However the XXXX modification failed to inform me of a second lien ; I was lead to believe the modification I signed in XXXX with M & T Bank was for my total loan amount of {$100000.00}. I'm charging M & T Bank with failing to disclose full details of my loan and making me believe I only owed the amount I signed for in the XXXX modification with M & T Bank. I don't understand why the XXXX modification with XXXX XXXX has any effect on a different and separate modification with a different entity being M & T Bank in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Hello, I was applying for a HELOC with M & T Bank. I repeatedly asked for details of the loan and was not told of the interest rate or even given a copy of the loan documents until the notary came to my house with a copy. I was supposed to read over 100 pages at signing? Complete scam. Loan originator stated there are couple hundred dollars in fees and all of as sudden there was over XXXX in closing costs. I ended up not signing the documents. I gave them all my financial information, they came to my house and did an appraisal which i requested a copy and they did not provide. I repeatedly asked for the loan documents through out the process so i can review them and they said i was not able to obtain a copy, yet the notary had one? I asked for a copy of the appraisal and made a request and was never given that either. They even made me change my insurance to cover them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On or about XX/XX/XXXX, or XXXX, I called M & T Bank ( XXXX ) XXXX to the consumer management payment dept to ask if I could get a lower payment for my account ending in XXXX.I was told on that day, I should have not started back making payments. The XXXX $ that I am paying is only XXXX or XXXX dollars toward the balance of {$2500.00} because of the interest rate. I had no Idea this was going on when I would call to make payments, they never told me the balance only the payment amount. The young lady XXXX XXXX, XXXX, XXXX, stated she spoke to her supervisor and her supervisor stated it is a closed account, nothing could be done. Monday, XX/XX/2022, I called back requesting to speak to a supervisor I reached someone by the name of XXXX at XXXX. Then I was transferred to XXXX, Again I was transferred to XXXX, XXXX or XXXX she refused to let me speak to a supervisor and told me the account is active, I should speak to that dept, where the active accounts are. I feel I should have been able to speak to someone with higher authority, I closed the account out and was not able to pay. M & T bank called me several times about making payments. So I tried to be in compliance with the bank, but I am not getting in where, soon the amount will be XXXX or more if this keeps up. I sure the bank has these recordings of the conversations on both days. Furthermore, I thought this dept was to help customers when there is a problem with their accounts, M & T bank called all day and evenings for collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: These thieving criminals, in response to our legitimate complaints against their bad business practices, have instead decided to abruptly, and without warning, close our checking and savings accounts, and to add insult to injury, decided to confiscate {$20000.00} of our money which is actually XXXX XXXX federal loan money and illegal to confiscate. Please urgently investigate and advise, and above all, not only release our XXXX money in total, but keep the bank account open and punish those responsible for this theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: M & T Bank did a forbearance with me for 6 months. when it ended, I sent in my monthly payment, for XXXX, they send it back stating in order for me to keep my house, it would cost me XXXX in order to keep me house. Otherwise, they would start foreclosure. I am XXXX, have been in my house for nearly 30 years, I don't want to lose my house. I need some help XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: M & T Bank XXXX XXXX XXXX has purchased Peoples United Bank and will be converting over the United Bank checking accounts over the XXXX XXXX Weekend. As part off the conversion, there will no longer be access to the checks processed by United Bank prior to the conversion By access it is defined as to the check image both front and back sent by the checking account owner to the payable party. The hard copy statement does not provide the detail needed in resolving any inquiry or resolving a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: COPIES OF THE LIS PENDENS ', LIFT OF STAY AND ABANDONMENTS BOTH VERSIONS RECEIVED FROM THE XXXX TRUSTEE XXXX, XXXX XXXX WHICH WAS SUBMITTED TO XXXX XXXX ARE TO BE SUBMITTED TO XXXX. WE WANT COPIES OF THE LIS PENDENS FROM XXXX XXXX FOR THE HOME LOCATED AT XXXX XXXX XXXX, XXXX GA XXXX, A COPY OF THE LETTER OF ABANDONMENT FROM THE XXXX TRUSTEE AND THE MOTION TO LIFT THE AUTOMATIC STAY WHICH YOU VIOLATED. XXXX WENT TO THE HOME AND CHANGED ALL OF THE LOCKS AND PLACED A LOCK BOX ON THE DOOR, THE HOME WAS NOT PHYSICALLY ABANDONED. THE ELECTRIC WAS ON IN OUR NAMES AND I WAS IN AND OUT OF THE HOME RESTORING IT. THIS IS WHY IT CITES OIN MY WIFE 'S XXXX RECORDS THE HOME WAS ABANDONED.XXXX TOTALLY VIOLATED THE STAY WILLFULLY! .WE RECEIVED ADDITIONAL INFORMATION WHICH WAS TOTALLY SHOCKING REGARDING THE PLAYERS WITHIN THE XXXX INVOLVED ON MY WIFE 'S CASE. NOW EVERYTHING MAKES SINCE AND THE PUBLIC NEEDS TO BE INFORMED. IF IT HAPPENED TO US WE KNOW THERE ARE THOUSANDS OF OTHERS IN EACH STATE XXXX XXXX HAS OFFICES, WHICH HAVE AND ARE GOING THROUGH THE SAME SCENARIO. THIS IS NOT US JUST TALKING! According to the US Trustee Office, An individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys fees, and, in appropriate circumstances, punitive damages. Well, EVERY CRIMINAL ENTERPRISE STATED WE RECEIVED LOANS ON EACH OF OUR PERSONAL PROPERTIES BUT, WE DID NOT! My wife filed Bankruptcy WHICH SHOULD HAVE NEVER BEEN FILED. Our properties were abandoned by the XXXX Trustee XXXX XXXX XXXX citing no equity. Furthermore, if we were paying the mortgages on the home why would there be no equity. The answer is BECAUSE WE NEVER RECEIVED ANY LOANS ON ANY OF OUR PROPERTIES SO, IT WAS AS IF NO MORTGAGE WAS PAID. OUR MONEY WAS STOLEN! The trustee abandoned EVERY PROPERTY, LAWSUIT ( MY WIFE 'S COMPANY FILED A LAWSUIT AGINST THE STATE OF AND THE XXXX XXXX WAS STOLEN BY THE STATE OF GEORGIA VIA HER COMPANY 'S REPRESENTING ATTORNEY, XXXX XXXX LOCATED IN XXXX XXXX ), HE ABANDONED MY AUTO ACCIDENTS BUT LATER STATED HE APPROVED ONE OF HER COLLEAGUES TO REPRESENT ME XXXX XXXX WHO LATER TERMINATED ME BECAUSE THEY WERE AWARE OF THE DRIVER WHO HIT ME XXXX XXXX ). AS FAR AS WE ARE CONCERNED THEY WERE A PART OF HIS DEATH!! ACCIDENT DATE XXXX XXXX XXXX XXXX OF XXXX. ( EXTRA INFO ) Back to the topic at hand,. The properties since abandonment should have been returned back to my wife, XXXX XXXX XXXX The trickery of a LIFT OF STAY. How can a judge approve a lift of stay KNOWING THEIR WAS FRAUD AND AN INVESTIGATION IS REQUIRED. DO THEY REALLY THINK WE ARE XXXX? TO TOP IT OFF EACH HOME HAD A RECORDED LIS PENDENS ' ATTACHED TO EACH. IF WE HAD OR RECEIVED A LOAN THE LIS PENDENS NONE OF THE HOMES COULD NOT BE SOLD UNTIL THE LIS PENDENS WAS SATISFIED. THE HOMES WAS STOLEN PRIOR TO MY WIFE 'S DISCHARGE XX/XX/2022 ( WHICH IS MY XXXX ). I THINK THE XXXX WAS ATTEMPTING TO BE HUMOROUS. GIVEN THE EVIDENCE VALIDATING THE CONNECTION BETWEEN XXXX, XXXX XXXX, THE XXXX JUDGE AND TRUSTEE. ALLOW THEM TO LAUGH! SO, IF WE HAD A LOAN WHERE IS THE MONEY PAID MONTHLY FOR XXXX XXXX XXXX, XXXX GA XXXX. THE LIS PENDENS ' HAD TO BE SATISFIED AND PAID DIRECTLY TO US!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: M & T Bank holds our mortgage and escrow account. They have delayed in paying our XXXX taxes so long that we have received a Tax Lien notice on our property. This is the 2nd year in a row that they have delayed in paying our taxes. The XXXX taxes were not paid until XX/XX/XXXX, and only paid after repeated phone calls from us to M & T Bank. I have phoned M & T Bank 3 times since XX/XX/XXXX to report late tax notices regarding the XXXX taxes. I have received no action on their part to correct the issue or payment. Due Date for XXXX taxes was XX/XX/XXXX for the amount of {$2500.00}. They remain unpaid today, XX/XX/XXXX, and have increased with penalties and interest to {$3500.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A