Date Received: 2024-01-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a CD account, but, didn't ask for the {$12000.00} amount which was then voided and replaced with a {$2500.00} contract. This happened on XX/XX/XXXX. I was told that the funds would be back into my checking account on XX/XX/XXXX or XX/XX/XXXX. I went there XX/XX/XXXX and was told that a email was received about the money being replaced, but, that was all that was said. I scheduled another appointment for XX/XX/XXXX to ask them about those funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a check in the mail through Priority Mail addressed to me from XXXX or what looked like a typical low quality outsources company that XXXX regularly uses. I had issues with a number of purchases made through XXXX late last year and have been in contact with the outsourced customer support that XXXX provides even though I reached out through the XXXX - was still given an out sourced reply that has what you expect from the outsources support world we live in now. So getting a check from a company saying they are associated with XXXX was not out of the ordinary. I deposited the check thinking they were refunding me for the purchases that were in dispute. There is nothing illegal about depositing a check you receive. The check had watermarks and all security features listed on the check. It was delivered through Priority mail and the mailman even rang the doorbell to alert me to it, which isn't a common occurrence other that with more important mail deliveries. The check turned out to be a scam. I immediately called the bank to inform them of the check being a scam and what the process was to not only stop it but to protect my own account- which seems to be one of the main reasons we use banks. I wasn't given any info. My account was frozen and wasn't able to access my actual funds from my own hard earned money. Credit cards were being declined that I had on auto-pay which resulted in late fee 's and negative reports on my credit report that I have been working on for the past XXXX years to improve and have improved it to a Good rating- but now that is gone due to M & T bank freezing my account and refusing to help me with this. My rental insurance has also been cancelled due to non-payment. There is plenty of money in my account but M & T is not allowing me access to it and causing me great financial distress. They have literally stolen my money and aiding the scam to play out so that I am further caused financial distress. This is not what a bank should do. They should be there to help their customers in times like these as they are the financial experts and the role of a bank is to protect us. They have not. They have made this situation XXXX times worse. I am unable to buy food due to this. I have tried contacting them multiple times. I have spoken with their general CSR who said they were not able to speak to me. I called the branch that gave me the fraud departments number. I called them and they weren't able to prove me any information. I submitted a XXXX complaint and received a phone call from someone at MT but they also didn't give me any info. Upon their request I took pictures of the envelope and all paperwork that came with the check. I am unable to access the XXXX of dollars I have in my account and the bank is treatiing me as if I was the one who orchestrated this scam. I deposited a check that seemed legit all things considered and that is not a crime and I should not be treated this way. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17701
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX & I am writing you to re-open my current investigation regarding claim # XXXX. On Monday XX/XX/2023 I made a XXXX transaction with a gentlemen I thought was selling me XXXX XXXX tickets & a parking pass for the amount of {$1000.00}. I was posting on a XXXX XXXX Ticket page on the XXXX platform. The gentlemen I was assumed tobe dealing with XXXX page was listed under the name XXXX XXXX from XXXX, MD. I have also included several screenshots from my encounter with " XXXX XXXXXXXX '' via XXXX XXXX along with other people in the XXXX XXXX Ticket page group that ALSO was approached by " XXXX XXXXXXXX '' regarding tickets. The tickets were to be in Section XXXX, row XXXX, seats XXXX, XXXX, XXXX, XXXX. While talking with " XXXX XXXX '' he informed me that XXXX would be the best for payment and gave me a number of XXXX to send payment to for the name of " XXXX XXXX ''. Once I tried to make payment, the transaction did not go through, saying " Something Went Wrong '' and to contact " XXXX XXXX ''. Which I did, and he then gave me another number to use, XXXX for a XXXX XXXX. He informed me that should work and to send the money to that account. Which I did and payment went through. Being that XXXX typically goes through instantly, " XXXX XXXX '' confirmed he DID NOT receive payment. To which I assumed maybe because it was a holiday that the transaction would not go through until the next day. To test this, l sent my fiancee {$1.00} to her XXXX account and she confirmed she received the money instantly. This was my red flag that I may be getting scammed. " XXXX XXXX '' informed me to call the bank or XXXX and cancel. I attempted to do so and was told we could not cancel because payment already went through. I was told by a M & T representative that " XXXX XXXXXXXX '' did in fact, receive payment. To which " XXXX XXXX '' kept insisting he did not receive it. At this time, I began to investigate on my own and reach out to people in the XXXX XXXX XXXX XXXX on XXXX to see if anybody else has encountered any issues while dealing with " XXXX XXXXXXXX ''. And there were several people. I have attached severa I screenshots of other messages that people sent to me showing me their encounter with " XXXX XXXX ''. A common thing I noticed is that " XXXX XXXX '' kept saying the recipient was " his partner '' and that was who would be receiving the money. In the attached screenshots, I have " XXXX XXXX '' saying to send money to " XXXX '' XXXX " XXXX '', & XXXX XXXX XXXX. Upon doing more research, I found a XXXX XXXX in XXXX, XXXX, XXXX that works for a cyber security company and he had written an article about " Money Mules '' in XXXX and how it was becoming more and more common for " scammers '' to perform stunts like this. Attempting to contact " XXXX XXXX '' some more after feeling more and more uneasy about the situation, I requested my money back as he kept insisting he did not receive it. He told me he banks with XXXXXXXX XXXX so I called them and was told that on Tuesday XX/XX/2023, all of their transaction have been processed and there is no reason for " XXXX XXXXXXXX '' not to have the money in his account. I kept insisting that " XXXX XXXX '' send me money back before I take further legal actions. He told me " How do I send it when I didn't receive it '' and " You think am scared or something '?? ". And then he blocked me so that I was unable to contact him anymore. I also tried to request my money back through the XXXX platform, with no luck. I even tried calling and texting the two numbers that he provided to me to make the XXXX transaction and they appeared to be fake numbers. I am 100 % confident that " XXXX XXXX 's '' XXXX Account was compromised and that I was never talking to a " XXXX XXXXXXXX '' to begin with. I have attached in this letter several screenshots { and labeled them ) as it pertains to this investigation. was trying to buy these XXXX XXXX XXXX tickets for my daughters for XXXX and as of right now, I am out {$1000.00}. As a father of XXXX XXXX this is a tremendous amount of money for me to lose during the holiday season. I beg you to please understand where I am coming from in this situation and hope that my letter and attached evidence helps to solve this investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: Good morning, Due to employment loss, I need to catch up to five payments on my loan. I gain employment in XXXX. XXXX, 2023, and ask in XXXX for a forbearance period so I can resume making payments on my home loan. I intend to keep the home and would like to continue my monthly payment. I received a denial forbearance letter from the bank informing me the flex modification doesn't meet the necessary seasoning requirements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I am a XXXX XXXX and had been XXXX twice due to XXXX. I have fallen behind with all of my creditors, includes M & T bank my mortgage servicer. In XXXX of XXXX I started discussing workout options as I was {$9800.00} behind. I was advised to apply for the California Mortgage Relief program as well as applying for workout plans with M & T Bank. I did both. I was approved with an internal M & T Bank workout called " Partial Claim '' and before executing the documents I specifically asked if proceeding with the M & T work out would jeopardize my application with the state. The partial claim is backloaded and still owed and the state funds were not. I was assured it would not, as " often the sate approval take longer and in this case, state funds would either pay off the partial claim, be applied to payments, or a combination of all ". These calls are recorded and I encourage anyone to listen, as I used to work in Mortgages and I asked a very black & white question and received a very clear answer. There was no confusion on my part. With that information I proceeded with the M & T Partial Claim. In the meantime, I was approved for the state program and approximately XXXX dollars were sent to my servicer and ae currently being held. I inquired how the funds were to be applied as a XXXX payment was due I have spoken to XXXX different agents ( the first being XXXX, second date I am unsure and today XXXX ) since funds have been received and the first stated there was a special department with M & T bank that no one can communicate with ( myself or representatives from M & T ) Call XXXX on XXXX : Said they would " note the system " asking how my funds would be applied Call 2 on unknown date in first week of XXXX : I was told I had been misinformed and that they had to send the XXXX back to the state due to my loan being current through a partial claim. I again begged them to reach out to the M & T department in control of the funds asking them to communicate with the state to at least payoff the partial claim. She said she would ( I believe I had insisted on my call being escalated, so this was some type of superior ) Call XXXX on XXXX : I was introduced to a single point of contact ( first time for this ) XXXX XXXX, who seemed more knowledgeable than the rest, but he stated that in the notes, there had not been any previous requested to the internal M & T department handling my funds. He said he would do so asking for payment on the Partial Claim. He recommended I reach out to my state, so I did. I asked for my case to be escalated as I had ben misinformed along the way and I am familiar with mortgages, documents and terminology, so I can only imagine how confusing and frustrating this could be for someone that has no mortgages knowledge. On XXXX I reached the state XXXX representative and she stated if M & T does not void their partial claim or somehow apply the state funds ( which to date has not been returned to the state, rep confirmed ) I would have to reapply for another program. They also stated this happens " often with servicers '' and was told to file a complaint here. Of course I am hoping to fix my situation, but I also want to help the " next guy/gal '' as it is unfair that M & T Bank has the power to foreclose on people 's homes, but every agent is misinformed and gives different information. In addition, they do not have the ability to talk to internal departments and / or did not follow through with communication to said internal departments as requested and was told would happen. Again, all of these calls are recorded so I encourage someone ( ideally M & T Bank for training purposes ) to review so this doesn't happen to anyone else. It would also be advantageous for M & T Bank to have someone for me to relay this information to so they an improve but to my many requests I was told there was no one. Again, selfishly I hoped to rectify my situation, but at the very least M & T Bank needs to learn and grow from this for people in the future, which to date they will not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXXXXXX I opened a checking account with M & T bank online. On XX/XX/XXXXXXXX XXXX I funded the account with an external transfer of {$10000.00} from an XXXX XXXX XXXXXXXX XXXX savings account owned by my wife XXXX XXXX. This was an error as I intended to transfer in monery from another XXXX XXXX Private Bank savings account jointly owned by me and my wife. After several days I found out I could not access to my bank account either on the app and online, so I reached out to customer service according to the phone number that popped out on the app. I was told my account access was blocked due to incoming money from an account not under my name and asked to visit a branch to resolve the issue. I visited the branch on XX/XX/XXXX and the branch banker called M & T Bank 's corporate. Afterwards I was advised by the banker to bring a bank statement of the account that the money was transferred from, which I provided. The banker advised that there would be a 7-day hold on the account which would end on XX/XX/XXXX. On XX/XX/XXXXXXXX XXXX I was still not able to access my account and called M & T customer service again. I was advised someone from the Fraud department would call me within 24 hours, which never happended. I called customer service one more time on XX/XX/XXXX and was transferred to the Fraud department. The representative at the department advised that I should try to add myself as a joint owner of the savings account at XXXX XXXX XXXXXXXX XXXX owned by my wife to resolve the issue. My wife and I contacted XXXX XXXX, which advised us they could not make such change to my wife 's Private Bank premium savings account. I visited M & T 's branch again on XX/XX/XXXX and inquired about the next steps to get my account block removed. The banker called M & T 's corporate and then told me he was asked to email to the corporate and wait for their responses. The banker emailed me on XX/XX/XXXX and advised that my wife needs to be added as a joint account owner to my checking account at M & T bank and then the issue would be resolved. My wife and I visited the branch and added her as a joint owner to the account on XX/XX/XXXXXXXX XXXX XXXX We were advised by the banker the account restriction would soon be removed, if not the same day, maybe in one or two days. But, up until now the account was still blocked and we could not access to the money in the account. I called the branch again on XX/XX/XXXX while on business trip. The banker noted and later emailed me that he contacted the corporate and was still waiting for M & T 's " deposit investigation '' department to come back. To this day I still don't know what M & T is investigating, what information it needs me to provide to unclock the account, and why it promised a result for several times which never gets delivered. It is has been over 40 days nowsince my account was blocked. Throughout the whole period there has never been any proactive communication from M & T 's corporate -- no emails, no calls, no letters, despite stated so by phone representatives. I had to find out information bit by bit by myself. The branch bankers are friendly and trying to help but they seem powerless and ignored by their corporate counterparts, and often gave out wrong projections/committments to me. The phone representatives including staff in the corporate that I talked over the phone are not caring, indifferent and not customer friendly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/ I had an appointment in branch with M & T bank. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, M & T bank ran a inquiry on my XXXX report on XX/XX/ without my permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: OnXX/XX/XXXXXX/XX/year> I had an appointment in branch with M & T bank. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, M & T bank ran a inquiry on my XXXX report on XX/XX/year> without my permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Upon closing this account, I was told that the {$42.00} refund check was mailed around XXXX XXXX XXXX XXXX. I still haven't gotten my refund check for a credit that was on my account since XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: If I could speak to somebody I can go over my statements with them but it's been over XXXX in the past 2 months from m & t Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21158
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A