Date Received: 2024-01-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: At approximately XXXX on XX/XX/2004, I tried to send {$30.00} from my checking account to my daughter via XXXX XXXX however, the transaction would not go through. I called the number provided on the screen and was informed that a " hold '' had been placed on my account. The first CSR that I spoke to could not provide an explanation as to why a hold was placed on the account, so I asked to speak to a supervisor. Another CSR took the call and advised that the hold had been placed by M & T 's Security Department, however, there were notes in the system as to what prompted or triggered the hold. I asked to have my call escalated to see if a manager could provide a reasonable explanation as to why I would have to physically go to a branch to provide identification in order to have to have the hold removed. The next person I spoke to confirmed that, not only would I have to go to a branch, but I also would not be able to access funds from the ATM and stated that the bank manager would more than likely not be able to provide documentation as to the reason for my account being placed on hold. I am a former XXXX XXXX XXXX and currently an XXXX XXXX XXXX. I know that there were no XXXX-related activities that triggered the hold, nor were there any unusual transactions ; I occasionally use XXXX to send funds . I didn't receive any alerts regarding my account being compromised ; I could have been stranded or stuck in a precarious situation had I not tried to access funds this evening. I don't understand how a financial institution can arbitrarily place a hold on my funds, without some recourse to resolve the issue in a timely manner. I could have answered security questions or uploaded a copy of my identification ; however, neither was an option. No staff or department was able to override the hold and there was absolutely no information available to me. I was trying to send money to my daughter who is taking care of my XXXX father, who was taken to the ER earlier today. Thank XXXX I am in a position to have several available sources of funds ; M & T is my primary bank. I know something like this could have caused serious hardship for many consumers. There has to be some accountability. I will also be filing a complaint with my XXXX XXXX XXXX XXXX.
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: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Here 's the complaint I filed with the OCC about M & T Bank : I opened a checking account with M & T Bank on XXXX XXXX, XXXX. The check was for {$2000.00} and when it cleared I withdrew {$1500.00}. I had done some painting for a friend and was paid in a check so I used that check to open the account. On XXXX XXXX, XXXX, I deposited another check from the same party for {$620.00}. I did not withdraw any cash. On XXXX XXXX, XXXX, my account was locked due to fraud detection. I was on vacation in Colorado at the time. It was unusual that they did not contact me to let me know, I found out when I went to check my balance online and was not able to log in. I called the fraud hotline and spoke to a representative for XXXX minutes and she told me there was nothing that she could do and that I should contact the branch that I opened the account with and maybe they could help. None of that made sense to me but I did call the branch and spoke with the woman who opened my account, she said she would call the back office and speak to them. She was able to get my account unlocked. The next day ( XX/XX/XXXX ), my account was locked again. I called the branch and spoke with the same woman and asked what was going on. She looked at my account and said it was locked due to suspicious checks. She said the back office wanted to know why I withdrew {$1500.00} immediately. I explained that it was XXXX time and I also had to pay my helper for the paint job. At this point my account is still locked, I have not had access to my money since XX/XX/XXXX, and the only communications I have had with the bank have been the ones that I've initiated and those have only been with employees at the local branch. No one from the main office or fraud department has reached out to clear this up. There is nothing that should indicate fraud from these checks and there is no reason that my account has been locked for this long without anyone calling or emailing me to figure it out. On XXXX XXXX, XXXX I went in person to my local branch and told them I wanted to close my account because I was beyond the point of reconciliation. To me, this is something that should have never happened in the first place, but beyond that should not take this long to resolve. How is depositing a check and withdrawing cash enough " evidence '' of fraud to justify suspending my account for this long, all without ANY communication from M & T Bank? Is there no bar here? No regulation, rule, or policy lays out what constitutes fraud? Is what M & T Bank doing to me legal?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: M & T Bank is reporting on my credit file that Im behind on payments for the loan of my XXXX XXXX I sold the XXXX back in XXXX XXXX XXXX. They have received payment from the buyer and yet they are still reporting it open and that Im behind XXXX months. It is destroying my credit score. They still have not closed the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: After stating in their previous response ( XXXX ) they were not trying to take my home, I just received a statement for {$71000.00} due in a little over 30 days. This complaint is concerning M & T Bank aka XXXX XXXX XXXX requiring a mortgage payment of {$71000.00} in just a little of 30 days, XX/XX/XXXX. I built my home in XXXX on XXXX lots in XXXX Al. The XXXX failed to merge all XXXX and only merged XXXX. Once I turned XXXX XXXX XXXX I was no longer required to pay property tax. Because these lots were not properly merged, XXXX XXXX via his attorney XXXX XXXX paid the property taxes, then demanded that I leave my home and claimed he owned it. I went to court to dispute this claim. During the course of this case ( XXXX in the Circuit Court XXXX XXXX XXXX , Alabama ) I met XXXX XXXX who represented M & T aka XXXX XXXX since they had an active mortgage on the home and would take a loss as well if this gentleman were to take the home. I was advised that it would be in the best interest of the bank and me, if he combined the case and represented us both. I agree. He said not to worry about any fees. Now, I am receiving notice from M & T that I owe a corporate advance in the amount of {$71000.00} for the attorney fees. My principal balance is {$15000.00} and my monthly payments are {$550.00}. Now, I am fearful of losing my home because I can't make a payment of XXXX XXXXXXXX. I previously filed a complaint with the CFPB when they increased my monthly mortgage to over {$1700.00} per month. I explained I am on a fixed income and did not agree to any of these charges. They reduced the payments back to {$550.00} for a few months and now sending this statement. I have attached the statement below for your review as well as the CFPB response provided by M & T to this issue. Please Help! I previously received a letter from XXXX XXXX who also mentioned he may or may not respond. This is clearly abuse. How can I make a XXXX XXXXXXXX payment for charges I never agreed to. Additionally, the attorney advised that M & T dropped the ball in the original loan documents that would prevent something like this from happening. Because of this case, they amended their mortgage loan language to prevent someone from attempting to acquire a property they have a mortgage on via taxes. Now, they are trying to force me to pay for their mistake. I am trying to seek an attorney or legal help but as stated before I am on a fixed income and XXXX XXXX XXXX. This is incredible stressful. I hope someone at the CFPB will actually read this and help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XX/XX/2023, I contacted M & T Bank Corporation to opt out of the sharing of my personal information with non-affiliated third parties. Despite my request, M & T Bank Corporation has continued to share my personal information with third parties. I have attached a copy of my opt-out notice to this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Closing on a mortgage
Subissue: Delays with the closing process
Consumer Complaint: For a quarter of a century, I have called this farm my home, tending to its every need. However, around XXXX, XXXX XXXX relinquished my mortgage to M & T Bank. Despite the change in ownership, I remained steadfast in my commitment to timely payments. Recently, as I made the difficult decision to sell my beloved property due to financial constraints, an unsettling truth came to light. It came to my attention that M & T Bank had failed to accurately document their acquisition of my property as a mortgage holder at the XXXX XXXX Tennessee courthouse. Since the anticipated closing date of XX/XX/XXXX, I have tirelessly reached out to M & T Bank on a daily basis, desperately seeking their assistance in rectifying the erroneous deed at the XXXX XXXX Tennessee courthouse. With the impending sale of my farm hanging in the balance, I have pleaded and implored for their intervention. Countless conversations with supervisors have only resulted in deceitful promises, leaving me feeling utterly betrayed each time I make a call to them. In my vulnerable state as an elderly woman battling a XXXX XXXX XXXX XXXX I cant help but feel exploited. I beseech anyone who can offer aid to please step forward. My contact number is XXXX, and my email address is XXXX. My fervent plea is for M & T Bank to rectify the deed at the XXXX XXXX Tennessee courthouse promptly and accurately, utilizing either a deed of trust or warranty deed, so that I may proceed with the closing on my farm and fulfill my obligations to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have contacted XXXX and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. No one has provided any proof, not the creditors, not the credit reporting agency. XXXX, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been trying to contact Someone in the fraud department from M & T Bank for Three days. Hold times have been over 3 hours. I finally got through and was hung up by an automated teller. I have tried transferring money from online checking account to XXXX XXXX XXXX and I keep getting a message to call my bank. I have had zero luck contacting my bank and at risk of being late for a loan. please help.
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: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear Sir/Mam, This is XXXX XXXX XXXX A veteran of United States military. I would like to make a complain about a specific employee name : XXXX XXXX and a specific branch of M & T Bank, address XXXX XXXX XXXX, XXXX XXXX, NY XXXX, Ph. ( XXXX ) XXXX. More likely employee is a gang related person and possibly she stole my ID and sensitive information such as SSN and bank account info. XXXX XX/XX/XXXX I visited above branch to withdraw {$15000.00}. It was a balance transfer money which was available to withdraw. I asked teller XXXX XXXX if it would be possible to withdraw the amount. She told me yes. FROM THE VERY BEGINNING XXXX XXXX WAS ACTING VERY WIRED TILL THE END OF THE TRANSACTION. EVERY FEW MINUTES SHE WAS TELLING TO HERSELF " OH MAN I CAN'T DO THIS ''. FEW TIMES SHE LEFT HER SEAT WENT TO OTHER ROOM, TALKED TOO MANY TIME OTHER PEOPLE BACK THERE ( I CAN HEAR THE CONVERSATION ; SOMETIMES WAS EVEN WHISPERING ) INCLUDING RECEIVING PHONE CALLS AND HAVING CONVERSATION FOR LONG TIME AND MAKING PHONE CALLS. AFTER SUPERVISOR 'S OVERRIDE AND VERBALLY ASKED HER TO DISPENSE THE MONEY AND GIVE IT TO ME STILL SHE IGNORED, DENIED AND MISBEHAVED. I gave XXXX XXXX XXXX learner permit. Veterans ID and M & T bank ATM card. Also I mentioned My only mortgage was from them in XXXX, still I have their Credit card from them and I showed in M & T bank mobile app my account and transactions. XXXX XXXX asked me to fill out withdraw slip. After I filled out withdraw slip then she told me she has to ask security question. I said Ok. She started with my FULL SOCIAL SECURITY NUMBER, how did I opened the account and last transaction. I answered everything correctly then she said she needs a override from her supervisor. I said ok. After XXXX minutes wait she is sitting Infront of me and doing nothing ; I called her supervisor for her because she were not calling. Supervisor is a XXXX was sitting right behind me. Supervisor came and give her override and double verified info and asked her to dispense money and and give it to me and left. AFTER SUPERVISOR LEFT SHE SAID SHE WILL NOT ABLE TO GIVE ME ANY MONEY. THEN SHE WAS COMPLAINING SHE DOES NOT HAVE ENOUGH {$100.00} BILLS, I TOLD HER ANY KIND OF BILLS IS OK. THEN SHE SAID SHE DOES NOT HAVE ENOUGH MONEY ; SHE CAN NOT GIVE ME ANY MONEY. FROM THE BEGINNING TO END SHE DID NOT TOUCH CASH DRAWER OR ANY CASH MACHINE. AGAIN HER SUPERVISOR CAME. SHE TOOK THE SUPERVISOR BACK THERE AND STARTED TO WHISPER. I heard her supervisor telling her to dispense the money and give it to me. IT WAS ALREADY OVER HALF AN HOUR starting XXXX XXXX to XXXX XXXX I WAS STANDING INFRONT OF HER. SINCE SHE DOES NOT WANT TO DISPENSE ANY MONEY EVEN TOO MANY TIMES SUPERVISOR ASKED HER TO DO. HER SUPERVISOR ASKED ME FOR AN OFFICIAL CHECK AND IT WILL BE AVAILABLE RIGHT WAY. It was so long and I totally felt helpless that is why I have to take the offer otherwise I will miss my next appointment. When I deposited that check to other financial institute they gave me the receipt money will be available on XXXX XXXX. So please take action against this person. Thanks for your kind concern. Regards XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I do t understand I was a loyal customer why this bank decided to close my business checking account I recently found out I didnt even get to use it deposit to the account and now its closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A