Date Received: 2022-05-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit Inquiries on my credit report XXXX XXXX XXXX XX/XX/2021 M & T Bank Indir XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I had received an incoming call from an unknown number. I decided to ignore it since I was at work but the caller would not stop spamming their calls. I finally answered them to figure out who it was, just to find that they were calling letting me know that there has been someone using my identification for money laundering and drug trafficking using a false passport. I was already extremely skeptical since I know that I am completely innocent but decided to listen. They had explained to me that they were calling to confirm my identity. I asked many questions such as their identification numbers and their name and they had claimed that they are an ICE officer. They were calling from the official ICE number and told me to stay in a secure area and to make sure not to answer any phone calls while I was on the phone with them so that they can ensure that I was not contacting outside personnel. They gave me a set a rules to abide by or else I would have to go to jail for further investigation. So I complied so I could prove my innocence. They told me not to tell anyone about this call, not to answer any phone calls while on the phone with them, and to tell them if anyone is calling to confirm that I wasn't conspiring an " escape ''. I had kept receiving a call from an unknown number and let the officer know. They told me to search up who it was and it was the XXXX police department phone number ( At the time I had been at work which is in XXXX ). They told me to answer and when I did, the " police officer '' told me that I had a warrant against me and that they needed direct contact from the ICE officer to send them the current information they had received on their end. I then continued to read many forms on the ICE website so that I understood everything that is going on ( according to the ICE officer ). Once the XXXX police department received the information from the ICE officer, they told me that I had 2 options. 1, I could go to jail for 5-7 days so that they can thoroughly go through a background check, or 2, I could sign a bond to ensure that I will be monitored XXXX to make sure I am not doing any criminal activity or try to leave, and that I would not have to spend my time in jail. I went for option 2 so that I wouldn't have to waste my time in jail. They explained to me that they have lawyers on hand to officiate the bond and approve the monitoring process. They then told me to get an app to access my phone and see exactly what I was doing to make sure I wasn't talking to anyone else. They had me go through my bank ( M & T Bank ) and told me that I was able to send the money for the lawyer through XXXX. They then told me where to send the money and to who and I had sent {$950.00}. I then immediately realized that this was a scam once they had told me that I needed to get prepaid cards. I then told them that I wasn't going to do that and that I was going to call the XXXX police department to verify the person working on my claim. I called the police department to find that said person did not work there and that the scammer had hung up. I then contacted 911 and put in a police report of what happened. I then called M & T Bank to see if there was anything I could do to get the money back. They told me that I could make a claim and that the money should be able to come through within the next 10 days or so. So I had gotten a new card number and waited for their response. I then received a letter in the mail stating that my dispute had been declined and that I could call a their support line for further questions. I called and asked if there was anything on my end to support my case and they had told me to send in my policer report to the nearest branch to reopen my dispute. After a few weeks or so, I still had not gotten confirmation on my case so I decided to call back to get an update. They looked into my account and told me my dispute had been declined again. According to the Electronic Fund Transfer Act, I had been induced into transferring the money so the bank must reimburse the money sent, even if I technically authorized the money being sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Below ( redacted ) is what I sent to M & T bank. ( In short, M & T gave POD money left to me to someone else ). Their process after receiving this letter was to have a person who 'volunteered " to take on my complaint, XXXX XXXX XXXX reach out personally to me. After him calling me at XXXX one morning and multiple phone tags. I spoke with him. 1 ) Dude hadn't even READ my letter ( below ). 2 ) Asked me multiple times what I wanted, I directed him to the letter again that he didn't read, XXXX ) Dude Called me back with some ridiculous offer without even asking about my expenses and it seemed clear he still hadn't read my letter so I sent it to him and he said he'd get back to me before the end of the week. THAT WAS XX/XX/XXXX. I never heard back from him but I did receive an apology voicemail from corporate and to reach back out to them as the people who messed the bleep up couldn't be bothered apparently to make me whole. I just feel like the managers at the brick and mortar stores and doing a lot of XXXX for each other and refusing to acknowledge how much I was WRONGED in this situation. If I had not personally reached out to corporate, if I had not had my own fund to pursue going above and beyond to prove I was wronged, nothing, I still be out everything!!!! After several months I am still so infuriated at the behavior of M & T banks in PA and DE, that I just had to let it go for a bit so I could come back in a better head space to move forward. To Whom it May Concern at M & T Customer Service, If this had happened to anyone but me, I would think that person was a liar or exaggerating wildly. How is it even possible that POD funds did not go to the person listed on the account as POD? I am not lying or exaggerating, and I can prove it. Please find attached a detailed timeline with names and dates. In short, an M & T bank location gave POD ( payable on death ) money, left to me, to the wrong person, my cousin XXXX. I spent considerable time and sums to correct the situation including flying from XXXX to XXXX XXXX, because I was directly told that I had to appear in person to discuss the bank error and that in person was literally my ONLY option. The situation was proven to be 100 % the fault of M & T bank employees and 0 % my error. A bit longer but still a shortened version, An M & T bank location ( XXXX, PA ) gave POD ( payable on death ) money to a person who was not listed as POD. The XXXX bank location ( XXXX, DE ) told me repeatedly that I needed to appear in person at an M & T bank before I could have a conversation about what happened, or discuss possible recovery of the funds. Neither I, nor people from the M & T XXXX number could convince the home bank ( Delaware ) to consider remote identification validation using notary. I was directly told that my distance from an M & T location ( I live in Nebraska ), that the existence of a covid peak and that there was a precedent and procedure for remote was irrelevant. The home M & T location ( XXXX, DE ) just kept repeating that they could not help me and I needed to come into a bank location because until then they could not help me even though I lived across country. Shortly thereafter, I flew LITERALLY halfway across the country, paid out of my pocket. It took XXXX days, multiple people, and a lot of headaches to get the M & T error straightened out. The situation was found to be 100 % XXXX & XXXX fault. 0 % my fault. M & T employees ( Pennsylvania and XXXX ) did not follow procedures on multiple counts. After many conversations and a XXXX trip to a physical M & T bank location, I received the M & T POD funds by mail, at my home in Nebraska, XXXX weeks later. During that time the bank where I resolved the issue, in person, ( XXXX, VA ) regional XXXX was looking into how and if I could be reimbursed for my quite reasonable travel expenses. It took him over a month to relay that I needed to call the XXXX M & T number again because the people at the XXXX number would have to assist me because there was nothing future he could accomplish. I called the M & T XXXX number and told this lengthy ridiculousness a nice gentleman ; the gentleman put me on hold to talk to supervisor. At some point into the lengthy hold, I was transferred to an even nicer M & T employee, who had no idea of anything, she was not a supervisor, just a random new M & T employee who picked up the line. She told me to send a detailed letter via snail mail to this address. Multiple times during this process I have wanted to scream and throw things. This is NOT how someone should be treated after the death of a loved one. Lastly, I have zero proof that my cousin, XXX XXX, did anything wrong. In the meantime, my cousin continues to slander my name by telling everyone who will listen that I went against my grandmothers wishes and that I, the victim, stole the M & T account money ( and other funds ) that our grandmother left. I have no proof to the contrary. ( I have been ostracized by the family. ) If this had happened to anyone but me, I would think that person was a liar or exaggerating wildly. How is even possible that POD funds did not go to the person listed on the account as POD? I am not lying or exaggerating, and I can prove it. Please call me to discuss. Addendum 1 : XXXX XXXX XXXX XXXX, XXXX XXXX passed away with me in XXXX. Account info on next page. XXXX XXXX XXXX I called the M & T XXXX bank ( XXXX, DE ) and was told that I was the POD on the account, and told the wrong information as to what I had to do as a POD to collect the funds ( wills, court orders etc ). I had teller check with her XXXX, XXXX XXXX, since of course a will etc is irrelevant for a P.O.D. XXXX corrected the incorrect information, and I was told to what I needed to send. XXXX XXXX XXXX Account closed and emptied. XX/XX/XXXX I find out that the account is closed and emptied. I suspect my cousin, NOT the POD, withdrew the funds on XX/XX/XXXX. XX/XX/XXXX I called XXXX M & T number. That person said I needed to talk to home M & T ( XXXX, DE ) and gave me the number and XXXX name. XXXX name was the same person I referenced on XXXX XXXX, XXXX, XXXX XXXX. Same date I called the XXXX bank M & T ( XXXX, DE ) and was told repeatedly that they could not help me and that MY ONLY OPTION to prove my identity as P.O.D. and speak further with me about this issue was for me to travel to an M & T branch as proving my identity was impossible by phone or notary. I directly pointed to the fact that given XXXX bank physical location closures that there much be an applicable process and procedure in place for remote. I was literally told, for the 10th or more time, that M & T ( XXXX, DE ) would not help me unless I appeared in person at an M & T branch. When I pointed out yet again that I live over a thousand miles away, the directive to appear in person was repeated. I could not believe this was the correct and only answer so I called the M & T XXXX number back. Same date I called the XXXX M & T number back and I explained the situation ( yet again ) this time to a very lovely woman including that the home bank wouldnt budge and surely there must be another way. The wonderful woman said it was ultimately up to the home M & T bank location XXXX that the XXXX M & T employee would call and see if something else was possible. The lovely woman put me on hold and came back to say that the home M & T bank said they had already talked to me and told me that I had to come into a bank location despite my location. The lovely XXXX woman was amazing and helped me find the closest location to be which was several states away from [ where I live ]. I make plans to travel to Washington DC because I know that city well and it was a direct flight XX/XX/XXXX Before I left home, I called my grandmothers M & T XXXX XXXX location again to ask them to confirm that I had everything that I would need at the back in DC and to ask if they would give the bank a heads up call. The really lovely woman who answered the phone said her XXXX, XXXX XXXX, was in a meeting but that she, the woman who answered the phone, would leave her XXXX. XXXX XXXX, a note for the XXXX to call me back as I had some time before I had to leave for my flight. XXXX XXXX did not call the DC bank or me. Never heard back from her. I called twice that day. Same Day I drove from [ XXXX XXXX to another XXXX XXXX ] took a direct flight to DC and went to the closest bank that had the latest open hours because I figured it would take a while. I spent ALL afternoon at the DC area M & T bank in XXXX while the AMAZING woman tried to figure out what happened and why the heck Id had to fly instead of remote during a COVID surge. Did I mention that I was in a walking boot from a stress fracture in my second metatarsal? XXXX XXXX can verify. We spent HOURS, I was there until the bank closed and it was clear that I would probably be needed to be in person at the bank the next day, so I got a hotel room near the airport and didnt leave the hotel at all due to COVID surge. XX/XX/XXXX The day that would have been my grandmothers XXXX birthday Same Day I returned to the M & T to sign paperwork and get a few things notarized. Same Day I sent an email to the DC area location that had so wonderfully assisted me and also asked verbally about my travel expenses being reimbursed. They said they would investigate. XXXX XXXX XXXX The DC area branch got back to me and told me they could not help and that I should call the XXXX M & T number to find our who could help me. XXXX XXXX XXXX I called the XXXX M & T number and told gave the short version of the story. I was put on hold for a long time and at some point a new person answered and I had tell this long bleeping story again and the awesome lady gave me this snail mail address. XX/XX/XXXX Finalized Letter and timeline. Addressed and mailed. [ the interactions with XXXX XXXX happened a few weeks later, I'm still feeling disrespected and XXXX did not help that feeling at all. ]
Company Response:
State: NE
Zip: 68502
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX at the XXXX arrived in a world after XXXX Iam having trouble to paying a Mortgage because XXXX having A XXXX XXXXXXXX my doctor said the XXXX is very dangerous for me and only my husband working XXXX seeing in a news the government approve assistance for home owners with forbearance assistance XXXX call a M & T Bank and M & T bank said ok we are here to helping home owners sending a letters approved and told me Im have options to pay $ XXXX or {$600.00} dollars a monthly payment at the first month we dont paying nothing but a the next month we pay {$600.00} dollares every month XXXX call last year in XXXX to a M & T bank and XXXX ready to making modification and M & T and promise me we paying owed at the end the mortgage and promise me modification and now the M & T bank request the all money and trying to take my home because XXXX divorce and my ex husband give me his portion at the divorce because XXXX always taking responsibility for pay my house my ex husband apply at the court with me for a new deed he give his portion the house so now Im only in a deed in XXXX when my husband and me buying the house both of them deed but his only in a mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: i used zip code XXXX to applied checking account online on website XXXX XXXX XXXX and it shows the {$250.00} promotion is available in your area, after i signed up complete the requirement for the {$250.00} bonus, they keep telling me my region was not included in this offer.i don't accept this reason, that website was show zip code XXXX available for the promotion, i have right to get this {$250.00} bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with M & T Bank and I truly believe that they have applied my payments or paid off someone else 's mortgage. I have a friend who worked for this bank in the Collections Dept. and told me to call the bank and ask for every payment that I have made, which I did. In which I only received XXXX. I have had my mortgage with them since XXXX. I called to inquire why I only received these dates they in turn told me " Oh we purge files after so many years. '' According to my friend M & T acquired 4 accounts from other banks, and the records were merged. M & T actually paid of several wrong car payments. In XXXX I was struggling to pay my payment ( never once was I late ) and called M & T to see if they had a program to help and I was making Bi-weekly payments, and when I went back to regular monthly payments, I was told that " I took 4 years off of my mortgage. When I called recently they told me that I was not told the truth. My mortgage payments started XXXX a month and when they jumped my mortgage in XX/XX/XXXX it went from XXXX to XXXX as they put it " do to the rise in your taxes '' I was never notified of this and they fought with me and said they did. I called to get a payoff in XXXX of XXXX {$40000.00} I looked the other day and it's XXXX also saw a recoverable corporate advance for XXXX I called the bank and demanded to speak to a supervisor and he said " That was a charge for you trying to refinance last year, which I refused because it wound up being a second mortgage without ever being told. I told " XXXX '' the supervisor that they are hiding things, why I never received ALL the years of payoffs, and he denied the acquisitions then when I mentioned my friend he finally admitted that in fact they did acquire other notes from these banks. XXXX is suppose to send me every payment I made, which will be XXXX years this XXXX. I was also told by XXXX that because my late husband and I lowered our interest rate from 8.5 % to 6 % that counts as a second mortgage this was done over the phone and was never told that this is how it works and I never received any paperwork at all, which seemed very strange to me.I spoke with XXXX on Monday XX/XX/XXXX and he told me he would look into this ASAP and I have never heard another word. XXXX also told me I should pour more money into my payment towards the interest that is why I am now paying XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened M & T MyChoice Premium Checking on XX/XX/22 with XXXX XXXX : XXXX Deposited {$10000.00} on XX/XX/22. Per the terms, I needed {$10000.00} monthly balance for the months of XXXX and XXXX and M & T would pay a {$350.00} bonus on XX/XX/22. The bonus still has not been paid. Additionally, if you deposited {$500.00} you would get a {$100.00} bonus. THAT bonus was paid, so I know the promo code was attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my writing instructions. 15 USC 1666B : A creditor may not treat a payment on a Credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A