Date Received: 2022-01-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was defrauded out of {$3400.00} by a counterfeit cashier 's check. This could have been prevented very simply by the bank teller, telling me when I deposited it, that even though the funds are credited the next day, it could actually take up to 2 weeks for the check to clear. This simple instruction could have saved me the financial loss. I had thought cashier 's check was the same as cash. Even your website seems to imply this when I selected cashier 's check- your website says : " a check with guaranteed funds from a bank or financial institution so it will never bounce ''. That was the impression I had about cashier 's checks as well did all of my friends. Here is what happened : I had a cemetery crypt listed for sale at XXXX XXXXXXXX XXXX in XXXX, MD. It was listed on XXXX ( I have since removed the listing ). I was contacted by a XXXX XXXX XXXX ( email is : XXXX ) to purchase the crypt. I told him I wanted a cashier 's check. I was sent a check for {$7500.00} when the cost of the crypt was {$3800.00}. The check is from XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. He then said his secretary made a mistake and I was to send the difference ( keeping some funds for my trouble ) to the planner via a bank to bank transfer. My bank had made the funds available to me the following day. I was hesitant about the bank to bank transfer as I did not want him to have any of my account info. He then wanted me to go to XXXX XXXX XXXX and deposit the funds to : XXXX XXXX at account number XXXX. I did deposit {$3400.00} on XX/XX/XXXX to this bank account. He had wanted the funds deposited on Thursday and I told him I could not go on that date due to other appointments. He said it was possible that if the planner did not get the funds in time, the funeral could be cancelled. I told him I could not go on Thursday but did do this on Friday. I also called my bank 's XXXX number about the legitimacy of the cashier 's check and was told the funds were available. On XX/XX/XXXX he emailed and said that because the funds didn't get there on Thursday, the event is cancelled and he wants me to send the remaining funds back but again, keeping {$500.00} for my trouble. I did some research and read about scams involving cashier 's check. I contacted my bank and that rep told me because it is a California bank it could take up to 2 weeks for the funds to clear. Why wasn't I told this by the bank on the first phone call? By then the check had bounced. Then he asked that funds be sent as follows ( text is from his email ) : " Name ... XXXX XXXX XXXX Address .... XXXX XXXX XXXX XXXX, XXXX lA XXXX Also according to XXXX XXXX he said the maximum amount he can receive in his area through XXXX XXXX is XXXX So please, I will appreciate it if you can split the funds.. Send XXXX $ via XXXX XXXX today and you can send another {$1500.00} Through XXXX ''. I have sent him an email this morning saying I am not sending any funds until after the 1st of the year. XXXX XXXX 's address ( from the envelope that the cashier 's check came in ) is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX His phone number ( although I have never called him ) is XXXX. The cashier 's check bounced on XX/XX/XXXX. Yes, I missed all of the I have contacted the following agencies : Maryland Attorney General : was told it was fraud XXXX XXXX Attorney General : no response M & T Bank : received email essentially indicating not their fault as it takes several days to process a check - then they should make customers aware of this XXXX XXXXXXXX XXXX : called and talked with an assistant manager - indicated teller should have started asking questions when I showed up with {$3400.00} and account # written on a piece of paper but I was not on the account - she made me go get a money order and I came back with that but had no idea how to fill it out Local sheriff 's office : told it was fraud but they had never seen it with a cemetery plot gravesolutions.com website : told I was given an email when I posted an ad as to how to make sure sale is legitimate ( this was months and months ago - how am I to remember an email when I get 50-100 emails a day ) - I had gone to their website to see if they had a section on how to detect fraud and there is nothing about that Internet Crime Commission : no response XXXX Fraud Line : told it was fraud but they had not heard it as to cemetery plots
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21742
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Through XXXX servicers I have requested an accounting of my modification payments and why they were never applied to my loan causing the modifications to be in default. After XXXX, a judgment not including these payments numerous copies of the payments the last servicer concedes the previous servicers never applied the payments to the loan. But they claim at this point there is nothing they can do since they only serviced the loan. Wilmington Trust claims even though they own the loan they have NOTHING to do with the money so there is nothing they can do. How is that possible if they own it? Just more excuses to take the home and the equity I built up. So basically no one can do anything because no one controls the property or has anything to do with the money. So I should just go back to court show them how they admit payments werent applied show the accounting show the fraud of false affirmations by Attorney and servicers and have the judge decide who is responsible and who can do what they legally should since XXXX told me to contact Wilmington Trust and Wilmington Trust says contact XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I do not have a M & T Bank account, yet I keep receiving numerous spam texts saying my M & T Bank account needs review. This text I've just received led me to a link ( which I've followed on my PC in VPN and hidden IP mode ) which looks extremely suspicious. The number that texted it is XXXX, and the website address they say to follow is XXXX XXXX XXXX It has " login '' details to enter, but I'm 100 % certain it's just a puppet page that logs the information for more scammers to use. Again, I have no account, so nothing happened to me, but this looks like a very easy situation to fool anyone with a M & T Bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been contacted repeatedly by M & T bank about an amount I owe to them from an account that was never opened by me. My account with them was closed in 2020. They have reported this debt to collections, lowering my credit score!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: The company is being non-responsive to my request to close my account. They do not provide a fax number or email address to send a requested signed letter to close my account. When you call customer service, they make you wait 20 minutes for an agent and then pretend they can't hear you and hang up. I have sent numerous secure messages requesting account closure, and they do not respond in the promised 48 hours. I do not want to receive fees for now having a {$0.00} balance and trying to close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21043
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: M and T bank refused to refund me for fraudulent withdrawels and payments made using my pin number in XX/XX/XXXX. They sent me a letter on XX/XX/XXXX that on XX/XX/XXXX XXXX $ would be taken from my account to return their provisional credit. I had reported this fraud within 30 days of it happening, and their were more fraudulent charges made that they DID refund, but they stated that due to my pin being used they need information on how the pin was acquired. How am I as a consumer supposed to know who/how my pin was acquired/stolen? When I spoke on the phone and voiced my concern on how I can not provide the information on how the pin was stolen, the agent simply said " sorry ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Getting a line of credit
Subissue:
Consumer Complaint: XXXX XX/XX/XXXX : I phoned M & T Banks credit dept. @ XXXX to enquire about a pre-approved offer for a personal, unsecured loan. In the course of our nearly XXXX conversation, XXXX ( XXXX XXXX ) neglected to communicate that an application for this service would automatically be denied in the absence of any residual income and/or employment. When he asked if I were employed, I told him that I was NOT. XXXX proceeded with the loan application survey anyhow. I offered up my vehicle and IRAs as collateral, and thought of every imaginable asset I have ( e.g. an antique chandelier ). At the end of the call, XXXX rambled off a series of terms and disclosures, which I could not possibly understand. I indicated as much. While I dont exactly recall if or what his answer was, I do know that I affirmed whatever information I provided XXXX XXXX for the financial inventory, was accurate and true to the best of my knowledge. That being said, I did not explicitly give my consent to the release of personal information, nor pulling my credit history ( file ). XXXX XX/XX/XXXX : I initially contacted M & T Bank @ XXXX to check on my applications status. XXXX ( XXXX XXXX ) told me it was awaiting income verification, and I reiterated that I wasnt employed. I asked if I could change the amount of credit requested, thinking that a lower figure would increase my chances of approval, but XXXX informed me that my loan application would automatically be denied without employment and/or residual income. I then asked to speak w/her supervisor, and was eventually put in touch wXXXX ( NMLS XXXX XXXX. XXXX said she needed time to review my phone call wXXXX, and told me she would get back to me by 5 that afternoon. After hearing nothing by 5, I phoned XXXX to see what she found out. XXXX deferred an answer to later that evening, or @ latest the following day. She committed to escalating the matter to management for further review, and said XXXX XXXX would take over. I asked XXXX why the delay in a decision. She said it was up to XXXX/management to determine whether or not to remove the hard enquiry incurred from my credit file/report. XXXX XX/XX/XXXX : I called XXXX back @ XXXX, after missing her early this afternoon, only to be told that request for removal of the enquiry had been denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 155XX
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The XXXX XXXX XXXX bank claims That I opened a personal checking account this year and used their credit line. They claim I owe {$600.00}. I never opened this account and in fact closed my joint account with my father this year after paying off the balance. This is a fraudulent collection attempt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I called M & T Bank to advise on when my mortgage payment would be made. At that time the representative ( I don't recall his name ) started asking questions regards to if I had been impacted by XXXX. I responded letting him know I had XXXX but didn't know and went on to let him know that the antibodies showed up in some XXXX XXXX completed ( unrelated to XXXX ). He went on to say that I could apply for forbearance. I decided to move forward with the forbearance. Of note I wasn't behind on any payments. Other than receiving a letter confirming the conversation, I received no documents outlining the forbearance and that I would need to pay the money back at the end of the forbearance or decide on modifying the loan. This came in a conversation afterwards wherein a representative indicated the money would need to be paid back in lump sum, spread over the mortgaged or the loan could be modified. I also felt harassed throughout the process with the unnecessary monthly follow up calls, sometimes 2-3 times in the month for the same thing wanting an update/follow up even when I was proactive in calling to provide information. Calls are unnecessary during forbearance. For example : On XX/XX/XXXX I received a voicemail from XXXX, I returned the call on the same day spoke with XXXX ; they were checking for status. On XX/XX/XXXX I received another call regarding checking for status from XXXX. I returned the call the same day. I spoke with XXXX XXXX, I asked why are you'll calling me, she advised it was another follow up. I'd informed her I'd spoken with them on XX/XX/XXXX. This occurred every month for the duration of the forbearance. I got frustrated and ended the forbearance on XX/XX/XXXX and decided to modify the loan to incorp0ate the payments that I didn't make. The forbearance was to end on XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX XXXX letting me now the loan modification was approved. He provided the amount of the loan that would be modified {$280000.00}, 360 months or 30 year loan at 3.125 % payment {$2000.00} first payment due XX/XX/XXXX after 3 payments made the account would be out of forbearance and the documents for me to sign should be received in 30 days. On XX/XX/XXXX I had not received any documents. I called and was told the paperwork had been sent. The paperwork hadn't been sent and didn't get sent untl XX/XX/XXXX. This is confirmed by the date stamp the documents were XXXX XXXX XXXX and received on XX/XX/XXXX. The documents were prepared on XX/XX/XXXX therefore sat on someone's and for 6 days before getting sent on XX/XX/XXXX. The documents were due back by XX/XX/XXXX of which I was informed I'd have 14 days to review and return. I requested an extension ; the call was escalated to get a return call. I made follow up on my request however I never received return call. So that I wouldn't breach what I was to do I returned the documents on XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX indicated the modification was approved. By this time I'd made my XXXX and XXXX payments and have not made my XXXX payment not to be told on XX/XX/XXXX that the payments will be applied effective XX/XX/XXXX. This process has been very inconsistent, no written confirmations have been sent regarding relevant details. I also provided M & T Bank with my tax information so that the escrow analysis would be based on the actual amount vs M & T Bank estimating my taxes. I provided my actual tax amount on XX/XX/XXXX so that my escrow analysis would be ran with the correct amount when I spoke with XXXX and XXXX XXXX and XXXX. None of these representatives updated my account with the information that I provided and as a result my escrow analysis was miscalculated and there was a shortage of {$360.00} and some change. I requested the escrow analysis be reran. For the escrow analysis a letter is sent asking you to choose if you want to pay the overage or spread it over payments over the balance. M & T Bank did not allow me to respond and had spread the amount over the balance before the letter was received. On XX/XX/XXXX I called and spoke with XXXX advising I'm following up on my request for the escrow analysis to be reran with the actual tax amount. This had not been completed. I requested to speak with a supv. I spoke with XXXX who informed me he would rerun the analysis. Unknown to me it did get completed however I did not receive a call or notification indicating it was completed and there was a new payment. I learned of this on XX/XX/XXXX because M & T Bank called me at XXXXXXXX XXXX CST. No voice message was left. I returned the call. I spoke with XXXX. I was informed they may have been calling about payment. My payment had already been made on line XX/XX/XXXX ready to post XX/XX/XXXX. When I went online here was a reduced payment of {$2000.00} showing Due XXXX. XXXX informed me the she could see the payment however it was in suspense and had not posted. These are the things that make doing business with M & T frustrating. I also spoke with XXXX about some of what had previously occurred because she didn't understand why the difference in the payment that I made {$2000.00} and {$2000.00} that now shows on the account. XXXX informed my that my process was considered complete XX/XX/XXXX and from this point is when she explained my account would stay in the forbearance department until 2 payments were made. I've made three payments and this is inconsistent to what XXXX XXXX advised on XX/XX/XXXX. My escrow account for XXXX had a overage of {$300.00}. I was initially informed that while my account is in forbearance I would not receive it. I don't understand why, when the overage legally goes to the customer. I have inquired about the overage, no one has yet answer my questions regarding the status nor have I received a return my call and I have not received a check. Initially, I was informed that while my account is in forbearance I would not receive the surplus. I was advised, legally this goes to the customer. Of note : when I spoke with XXXX on XX/XX/XXXX she could see the request were escalated but could not provide a reason why my concerns had not been addressed. She also indicated that M & T Bank had more modifications than expected and had recently hired new people. My response to that was, that is not a customer issue. Throughout the forbearance process representatives of M & T Bank have provided misinformed information and/or have not provided pertinent information at all. Apologies are unaccepted because the representatives should be consistent in providing information and all pertinent information to make an informed decision. There needs to be coaching and training with representatives who were involved with my process and the monthly calls need to stop!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was in the process of refinancing my mortgage. The new mortgage company told me to stop all automatic withdrawals as they would advise me whether a payment would be needed to be made if the closing did not occur in time. I contacted M & T Bank to verify that there were no automatic payments set to occur. A payment was withdrawn any way. I spoke to a representative on the phone on XXXX XXXX who told me that the funds would be returned. They requested that verification that the funds had been withdrawn from my account be sent to them. I sent it the same day and received confirmation. From there nothing happened. I contacted M & T Bank again and was told that the verification was never submitted so the {$530.00} would be returned to me on XXXX XXXX. On XXXX XXXX, there was no return. I contacted them again and was told that the funds would be returned on XXXX XXXX. Again nothing was returned. On XXXX XXXX I was told that returning the funds would cause a delinquency which is not true as they did not apply the money to my payment but put it in a holding account labeled " unapplied funds '' and now would not be returned at all. I will have to wait until my new mortgage company paid off the loan. Only then would they mail a check in XXXX business days after the loan is paid off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A