Date Received: 2022-03-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: M & T Bank is aiding and abetting common criminals, con-artists, and scammers when they allow one of XXXX XXXX cardholders , in this case a XXXX XXXX XXXX XXXX to purchase our legal services under emergency conditions to try and help his XXXX girlfriend from being thrown back on a plane out of the USA for God Knows What, and where our entire law firm team dropped everything to work on this deadbeat 's case all day, and then he does a credit card charge back because the U.S. Government sent her back. We did everything that we could, but the test of a credit card authorization under federal and local law is ( 1 ) whether or not he authorized said charge which he did pursuant to a signed retainer agreement contract and ( 2 ) whether he received legal goods and services ( attached ) which he also did. The contract itself states that we do not and can not guarantee legal results per ethics and law, kind of like a doctor can not promise if a surgery won't result in the patient 's death. But either way we did the work, and deserve to get paid, not robbed as was done here, when M & T Bank refused our dispute that this was an unauthorized debit by XXXX XXXX, who unlike XXXX and XXXX, understands that a lot of their cardholders are scumbag con-artists, freeloaders, shoplifters, and thieves. Please investigate and advise. XXXX our duly charged and earned {$5000.00} legal fee payment.
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: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: M & T is refusing to release the title to my XXXX XXXX I completely pay that loan off and the vehicle was refinance with a new credit union But M & T are doing fraudulent activity with I This account they send me all the satisfaction documentation and they cashed the check from the another financial center and by law know cant have two open loans on the same vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I applied for a refi with M & T bank. They sent closing documents which we signed committing to the new loan with the new loan rate and mortgage amount. They had the appraisal done. They called today XX/XX/22 and said they would not put the loan thru ( after we signed paperwork ) and that the garage was having work done and so it did not qualify. I would understand if they were not already on the loan, or if the garage was not being fixed, but this makes no sense. I worked with a man named XXXX who did not speak XXXX very well, and he seemed to have some issues with me being a XXXX mother with XXXX children. I think I am being discriminated against, as this issue of the garage should not affect the appraisal or the loan being issued as like I said, they are already on this property. They also refused to send me the appraisal. They are saying they will not put through the refinance, or refund the money spent to do this refi of {$600.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: XXXX Was taken XX/XX/2020 I tried going to my personal bank about getting this company my money back saying they worked with XXXX of my loans getting reduced. Link used https : //obamawhitehouse.archives.gov/issues/education/higher-education/ensuring-that-student-loans-are-affordable Person XXXX XXXX XXXX XXXXXXXX The time of my loans were going through XXXX loans the frauds told me my money was going to that and I called my loans and they said they werent applied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17331
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: M & T bank had an opened checking account in my name on XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is a complaint which is in connection to my previous complaint # XXXX. M & T bank consumers complaint team did nothing to resolve the mistake their XXXX made which resulted in my loan mod being denied. They acknowledged she made a mistake but did nothing to fix it. Instead they released my account to collections pending review with their foreclosure team. I was on the Covid Forbearance program from XX/XX/XXXX to XX/XX/XXXX they offered me a loan mod with a partial claim which was denied because XXXX of their managers took my XXXX trial mod payment and told me I could use my suspense funds as long as I paid the difference which I did. Months later after paying all my trial mod payments and my XXXX and XX/XX/XXXX payments along with executing and notarizing the loan mod docs they deny the loan mod telling me that the {$1000.00} used for my 1st loan mod was not allowed to be used from my suspense bucket. Once they denied the loan mod they left the Covid Forbearance payments on my account applied the funds in suspense and show me delinquent for XXXXthey never took my Covid Forbearance payments and placed them in a partial claim to be placed at the end of my loan. if they had did this I would be due for my XX/XX/XXXX payment. I am going to go into foreclosure for their mistakes and violation of the CARES Act I am going to seek legal representation to see what I can do to take legal action
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, I noticed recently there is a hard inquiry on my credit bureau. I was able to call a company that pulls all three credit bureaus as a service for companies. They told me they pulled the bureau for M & T Bank, which is the holder of my mortgage. The date of the hard inquiry was XX/XX/2021. I called M & T bank three times ; the first number the person said they had retired, the second two calls were to another number which gave me a voice mail which i left. Then I called the local M & T branch in XXXX CT and talked to someone. I worked in banking so I know local branches dont really have the answers for these things. The woman I called left me a vm once that she was waiting for someone to get back to her. That was about 3 weeks ago. I don't know why I have a hard inquiry and I want it explained or removed. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06824
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Other service problem
Subissue:
Consumer Complaint: When I tried to login to XXXX to check the status of a credit card chargeback dispute response for our Merchant ID : XXXX that we submitted last week, the login prompt, in addition to requesting my normal password, also started asking me questions and data that I never even entered in to begin with when I registered/signed up with XXXX. Questions like " what was your childhood nickname '' do not even exist because I never even had a childhood nickname. Now I am concerned about too many attempts to login because I do not want to be locked out of my account. Now I have called their customer service number and after having been verified time after time, I have been transferred now 3 times, the last time sending me a " black hole ' where no has answered the phone for what, 30 minutes, and with no music, or anything, just periodic weird spooky " clicks. '' Finally, after transferring/keeping me on hold for what 30 minutes they just hung up on me. In addition, whenever I email their customer support email at XXXX '' I get a weird email from " XXXX '' telling me that " This is an automatically generated email, please do not reply ... Case Reference ID : XXXX ... Account Name : Merchant Internal Support Account Placeholder ... Chain : MID : Case Category : Online Case Type : Portal Support Requester Name : XXXX XXXX XXXX, XXXX ... Dear Merchant, Thank you for contacting Customer Care. The case you are responding to has been closed and is no longer being monitored... We appreciate your business... Thank you! Customer Care. '' 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: 2022-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I notice there were numerous transactions on my checking account that I didn't authorize. I called M & T Bank and informed them of the problem. I was told that my card would be closed and a new card would be sent out. I was also told to monitor my account and if there were any more charges made to call back in. Which, I shouldn't have had to do so if I've already reported the issue. Later that evening I logged in to see another charge was made. I called back in to speak with a representative and at that time the ATM card was shut down. I don't know why it wasn't shut down immediately when I called earlier that day! The second representative also sent me a new card out expedited and finally closed the old card. I spoke with a supervisor this morning XX/XX/2022 about my issue and told her there were more charges and I ask how could this be if the card was closed? She then put in another dispute for the extra charges. I also ask why did I not receive any alerts notifying me as well as the bank that these charges were occurring back to back? Because I had reported the issue yesterday XX/XX/2022? She couldn't give me a clear answer. As of now, this issue has cost me a total of {$190.00}. And I would like my money refunded to me asap and for them to fix the system that's supposed to notify members of the activity on their accounts. I received one notification after the fact and never received any other notifications about the other transactions I didn't approve. The supervisor told me she would be clearing the issue up but, I haven't heard back from her. This is unacceptable for M & T Bank to handle one 's account in this manner when they're entrusting the bank to protect their funds!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: M & T Bank, subservices VA mortgage loan. During the pandemic, I had a loss in income that prompted me to request a forbearance. The forbearance was approved for one year and I then entered into an agreement for a temporary trial payment period ( 3-months ), which I've completed. Upon completion, I received loan modification documents that were streamline approved. Yet despite the CFPB 's rules on streamline approval of modifications as a result of the pandemic, M & T was assessing fees. First, they assessed {$170.00} before the modification ( during forbearance ), then they assessed a {$350.00} fee for the modification. Additionally, the modification was simply to balloon the deferred amount at a rate of XXXX percent interest over the remaining term of the loan ( 23 years ). It is my understanding that the VA currently offers a 2nd mortgage at 0 percent interest on the deferred amount, but that was never offered or even discussed with me. Second issue stems around the fact that the loan modification documents are violative of XXXX. Specifically, the bank entered my wife as a co-borrower throughout the loan documents despite my wife not being an obligor on the original note and my home ( and my wife and I ) are not located in a community property state. Upon discussion with a banker, the divulged the fact that this was happening quite frequently and they had to go back to underwriting, who then took another 60 days to turn the documents around. All the while, the bank contacts me every single weekday requesting an update on their loan documents ( until I notify them that I'm waiting on them, they check their notes, and then the call is complete ). I even contacted their customer service department in hopes that they could stop calling me, but to no avail. This all of course occurred after they delayed in providing me documentation that I was no longer in forbearance after my broker requested documentation during an unsuccessful refinance at a rate of XXXX percent. It was unsuccessful because the bank took weeks to provide me a certified letter that stipulated I was no longer in forbearance despite calling them and requesting to have them email it or provide any notation that I was no longer in forbearance, which was denied. Once I received the documentation, rates had already jumped up and it no longer made economical sense to refinance despite having nearly {$200000.00} in equity. I then requested a payoff statement upon which they took days to respond and then requested a formal request from me despite my contact being within the secured portal of their online banking platform. In sum, my concern is two-fold. One, it is clear the bank 's systems are not built to handle these forbearance modifications and thus things like violating fair lending laws appear commonplace. Two, the fee revenue generated unlawfully is of concern. This is particularly troubling when the press release from XX/XX/14 shows M & T with an increase in non-interest income. I am now considering just refinancing my mortgage, even at a higher rate, just so I don't have to have M & T service my mortgage any longer. That is how bad they have been.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46236
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A