Date Received: 2022-05-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Once again M & T Bank 's use of the merchant website XXXX apparently run and handled by XXXX XXXX of M & T Bank is in our opinion an abject and total failure. Every single time we need to login it either does not accept our password, or the multiple idiotic " verification questions '' which seem to change or be altered each and every single time. When we have complained out of frustration to XXXX XXXX, we are met with her derision, arrogance, insults, veiled threats, haughtiness, and plain old XXXX poor customer service. This problem is especially egregious because we have just today received a credit chargeback ( on a Saturday ) which is time-sensitive otherwise they will remove probably tens of thousands of dollars from our account. In addition, the " forgot password : feature does not work either because it does not recognize the temporary fake answers to the questions that XXXX XXXX placed in when we complained last time. Please urgently investigate and advise.
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: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In late XXXX I received a Strange call from M & T bank which stated my account has been compromised and they would be sending me out a new debit card. They also suspended my my online banking which revoked my access to all my account associated with M & T. Now mid way threw XXXX i receive another call saying my account was over drawn I told the rep i will not verify anything over the phone and I would like to call the number on the back of my card which i did right after the call and the rep said my account was fine and not overdrawn. Now XX/XX/2022 I received another strange call saying my account was over drawn again so i said ill go into the bank and I will not be talking to anyone over the phone because something weird is going on. So XX/XX/XXXX I went into the branch to clear everything up. After sitting with the rep they wanted to make sure I was the one that made certain transactions which we confirmed they banker then removed all the blocked on my account and online banking. That same day I made a payment of {$340.00} to my credit card account in which I've never been late on. Now today XX/XX/XXXX I receive an alert on my consumers report that I have a late payment reported from M & T Bank which is not true. I would like this matter resolved and the late payment removed from my consumers report. I will provide proof of my payment and how my account was not pass due ever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: M & T bank is charging customers {$50.00} to close their accounts if it's within 6 months of opening the account... The bank is hostile, rude and incompetent where i live and I shouldn't have to pay them to terminate service with them for being a XXXX bank .... Is this legal?
Company Response:
State: PA
Zip: 19601
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: It is ridiculous that M & T Bank doesn't allow someone to set up automatic bank transfers to make sure a loan payment is payed on time. This is a predatory practice so that M & T Bank can collect late fees from the less fortunate. By making someone need to print off a form and Mail it, it creates an undue burden for people. As a XXXX service member it is difficult to reach back and make sure payments are made timely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with fair credit reporting act Ive contacted them asking for proof of contract or application for an approval none can be provided 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 112XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: M & T Bank did not provide us with an itemized breakdown or disclosed attorney fees in the final loan modification. We have been working with our lender M & T Bank with assistance from HUD, to modify our loan due to covid, as we had initially applied for a forbearance. When we received the loan modification documents, on XX/XX/2022, we were expected to return them by XX/XX/2022, 10 days. We reached out to our HUD counselor, XXXX, who has been an angel, to help us understand the loan modification, as well as be on the call with us to M & T Bank, today, XX/XX/2022. We spoke with XXXX who identified herself as a member of the Single Point of Contact loan modification team with M & T Bank. We explained that in the loan modification documents M & T Bank stated : " HUD will advance payments you are behind plus attorney fees in the amount of {$35000.00}, plus the above contribution will bring the account current. '' However, in the above contribution estimated costs there are no fees listed. The document goes on to state : I have enclosed an interest free subordinate note and a subordinate mortgage to HUD for the monthly payments, attorney fees and principal balance reduction in the amount of {$41000.00} for a total of {$76000.00}. There was not a breakdown of other fees or attorney fees included anywhere in the loan modification documents. When we asked for a detailed breakdown list of all of the fees. XXXX asked us if we were accepting or refusing the loan modification. We said we wanted a detailed list of all the fees the M & T Bank was charging as they were not listed in the loan modification documents, and we asked for an extension date to return the documents. It wasn't until XXXX, our HUD counselor, said that we have the right by law to know what these fees are, that she ( " XXXX '' ) offered an " escalation '' to allow us an extension of 7 days ( to XX/XX/2022 ), and that M & T Bank would get back to us. If you require more information, we can send you the entire loan modification packet. Thank you for your time and attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Unfair, deceptive, or abusive acts and practices ( UDAAPs ) can cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace. Under the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services or a service provider to engage in any unfair, deceptive or abusive act or practice.1 The Act also provides CFPB with rule-making authority and, with respect to entities within its jurisdiction, enforcement authority to prevent unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. M and T Bank is employed by the Fair Housing Administration They are an approved lender yet they have failed to adequately implement COVID1 19 relief programs and the COVID-19 Recovery Modification on our behalf requiring paperwork that was not required and imposing qualifications that are not necessary under the FHAs guidelines and when we inquired about the homeowners assistance program XXXX of XXXX and XX/XX/XXXX instructed me during customer-service phone calls that this option did not exist and that I needed to sign the modification documents or my home would go into foreclosure The FHA Handbook XXXX and the Updated mortage letters Clearly state that Trial Payment Plans are not required for Covid 19 modifications however the M and T bank Requires the Following : M and T Bank Requires Trial Payment Plans . Trial Payment Plans as outlined in the updated Mortgagee letters are not required. M and T Bank Required Trial Payments to begin 60 days before Loan Modification Documents were signed which led to a delay and subsequent cancellation of our modification When we asked why we were required to make Trial Payments we were told that the modification had been granted and that the payments would begin before the documents were signed. M and T Bank Required Trial Payments to begin 60 days before Loan Modification Documents were signed which led to a delay and subsequent cancellation of our modification When we asked why we were required to make Trial Payments we were told that the modification had been granted and that the payments would begin before the documents were signed. The Documents that were Required clearly state that the modification was not guaranteed and that in order to move forward with a modification, the title must be free and clear of all liens and judgements ( Not a Requirement under the Covid 19-Modification ) M and T Bank Required Loan docs signed and Notarized before the 30-Day Grace period once they were received. M and T Bank Required two on time payments before modification would be finalized On Multiple Occasions we reached out to M and T Bank and FHA/HUD notifying them of the Updated Mortgagee letters but customer service reps stated they were unaware of the updated mortgagee letters. M and T Bank Cancelled the modification agreement when trial payments were not made and before the modification was completed. M and T bank Sent a letter notifying us of their intent to foreclose on my home due to not making the required trial payments. ( Please see attachment ) M and T Bank Sent emails to FHA Counselors that were not true and placed us in a position where we had to send documentation proving that the statements that were made were False FHA Counselor Acknowledged that the Trial Payments were not required and requested that the Lender resend the documents M and T Bank the Lender that is Employed by FHA has not resent the documents or acknowledged the complaint that was made. ( Please See attachment ) M and T Banks Unfair, deceptive, abusive acts and practices have caused us significant financial injury to our Family- Our payments to M and T bank will be significantly higher due to the rise in mortgage rates- had they followed the guidelines our monthly payments would have been significantly less and would have saved us at least {$75000.00} over the course of our Loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I the consumer and natural person was denied credit by M & T bank when I applied for an extension of credit for an automobile. Adverse action against a consumer is AGAINST THE LAW according to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 U.S. Code 1691c and is pursuant to civil liability in 15 U.S. Code 1692k. M & T is subject to CRIMINAL liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by M & T Bank in their letter dated XXXX XXXX2022 as exhibit A. M & T Bank violations include 15 U.S. Code 1642,15 U.S. Code 1681m and 12 CFR 1002 being that I made an application in good faith, but credit was not issued. In addition my Social Security Number ( credit card ) was used and I received NO benefit proving this to be proof of fraudulent activity, unauthorized use of a credit card by M & T Bank. If M & T Bank fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card I will indeed make M & T bank criminally liable for ALL DAMAGED PURSUANT TO 15 U.S. Code 1681n and 15 U.S. Code 1681o!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: M & T bank is holding my information hostage which is preventing me from receiving mortgage assistance through the state of Ohio. My wife and I applied and have been approved for six months of mortgage assistance through Ohio 's XXXX XXXX XXXXXXXX program funded by the CARES act. A part of the process to receive funding is for the Ohio XXXX XXXX XXXX to request a verification of mortgage from our loan/mortgage servicer, M & T bank. This communication and these requests take place through the U.S. Department of Treasury 's system where the Ohio XXXX informed us an information request typically takes 30 days. My wife and I were approved in XX/XX/XXXX and when the 30 days had passed in XX/XX/XXXX I called the Ohio HFA for a status update. The Ohio XXXX indicated that the request was left unanswered and that they were initiating a new request. I recognized that the 30 days took place over the holidays during a pandemic where staffing levels were low so waited another 30 days. In XXXX of XXXX I reached out to Ohio XXXX who indicated they still had not received anything from M & T bank so they submitted a fresh request through the treasury system. I inserted myself into what should be an automatic background process calling both the Ohio XXXX and M & T Bank every few days to piece together what the holdup was. This is where I learned about the Treasury system, that the information can't be simply faxed over, and the exact documents ( verification of mortgage ) needed by the Ohio XXXX. Repeated calls to M & T Bank did not connect me to anyone who was able to send this information through the Treasury system or who was in charge of responding to these requests. Numerous M & T Bank personnel and departments were mystified by my request and were no help. In XXXX of XXXX I heard from the Ohio XXXX that they had received my verification of mortgage from M & T bank through the treasury system but that my name was not included/spelled properly and therefore invalid. The Ohio XXXX let me know that they had reached out through this same system to M & T bank to issue a correction but like other communications this could take 30 days to hear back. In XXXX of XXXX I tried a new method to contact M & T bank where instead of calling I used their email messaging system. This got me in touch with the same consistent customer service representative who assured me that on XX/XX/XXXX my information was sent to the Ohio XXXX via the treasury system and should be received withing XXXX business days. On XX/XX/XXXX another communication from M & T bank indicated that they had lied to me my information had not been sent and that they are " researching the issue ''. My confidence in M & T bank has been completely eroded. I'm unsure if they have my information at all as this mortgage was transferred to them by the XXXX XXXX Mortgage company. If they do have it, then they are unable or unwilling to communicate this information to a government agency. Their incompetence is staggering. I am unable to determine if this is a flawed process, a flawed computer system, or some combination of the two on their end. After half a year of dead ends I feel my best course of action is to lodge a formal complaint with the CFPB in the hopes that this spurs some action on my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44256
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A