Date Received: 2021-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: M & T Bank has been contacted several times. The last time was XX/XX/2021. As the servicer of a loan with XXXX XXXX XXXX now XXXX XXXX XXXX , M & T were notified that the property attached to the loan was sold and closed out on XX/XX/2021. M & T continued to deduct {$300.00} from my business account which created a problem of taking my money for a mortgage that was closed out. M & T suggested talking to XXXX. I did so on on two separate occasions XX/XX/2021 and again today XX/XX/2021. At M & T I have spoken with XXXX, XXXX XXXX, XXXX XXXX XXXX. At XXXX, I spoke with XXXX XXXX, asset manager. Maybe my like name confuses M & T in the communication since I am sent back & forth between the two entities. The resolution is simple. M & T accept the payoff from funds received at closing on XX/XX/2021, XXXX out the mortgage account and refund all {$300.00} payments plus {$35.00} bank fees after XX/XX/2021 from my business account. These actions have disrupted my life and business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I wasnt getting unemployment for a couple months so I had them do a forbearance on the loan. When I finally started getting paid from unemployment I took the loan out of forbearance and then unemployment went to a new system at the beginning of XXXX and I havent got a check since then and were nearing the end of XXXX. 3 months or so without any money coming in and I called about doing another forbearance and they said since I already had one this year, I cant do another one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16602
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: money was deducted from my checking account and got a confirmation of a payment to XXXX XXXX in the amount of {$490.00} XX/XX/2021 at XXXX got a phone call from impersonator saying they process payment and that he represented XXXX and that they were going to cancelled and refund payment in an hour to send them the message confirmation to XXXX them to cancel and i did then they sad number to and that they were going to cut my service because the amount they process didn't go through my bank and they need it another payment deposit in the same amount I called the XXXX number has they were in line they called me several times because call got dropped and I was on a waiting line but XXXX representative said it was fraud because they never process payment online and that i should call my bank called and reported payment has fraud to stop it but i see online an the payment was process through XXXX I don't know and I never authorized this payment then they call me im attaching the payment i see in my bank process to this guy I don't know and the emails with m & t back after i call to cancel my checkcard
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20737
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2021 I authorized a transfer of {$2800.00} to my son, XXXX XXXX, via my XXXX XXXX XXXX Checking account, using the Bank 's XXXX online banking transfer tool. The recipient Dropdown for my son, XXXX XXXX, was loaded with a mobile phone number which I trusted to be his mobile phone number. However, that mobile phone number in the dropdown was off by one digit. My son 's mobile number is ( XXXX ) XXXX but the number shown in the XXXX dropdown was ( XXXX ) XXXX. I contacted XXXX XXXX XXXX that same day after speaking with my son and learning that he did not receive the transfer and has no XXXX account, I asked XXXX XXXX XXXX to correct the matter and return the {$2800.00} to my account. They explained that they can see the transaction in their system and that the error is not theirs and the funds appear to have been routed to an M & T Bank account but they can not identify the specific recipient. They said they will have their appropriate department investigate ( XXXX claim # XXXX ) and if indicated follow-up with M & T and hopefully the transfer can be reversed. Two weeks later I received a letter ( Dated XX/XX/2021 ) from the investigations Dept. at XXXX XXXX XXXX saying, " Unfortunately we are unable to approve your recent claim because our records indicate that we completed the transfer according to the instructions you provided us, and therefore no error occurred. Based on this your account won't be credited. However, as a courtesy, we're researching your inquiry with the other party in an attempt to recover the funds for you, and will notify you if we need additional information. Keep in mind it may take up to 45 calendar days for us to hear back from the other party. If we receive any additional information from them we'll contact you. ''
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am writing regarding a late mortgage payment that was made to M & T Bank in XX/XX/XXXX. I have attached the letter I sent and the response received from M & T Bank requesting a goodwill adjustment. I also attached the latest correspondence received from M & T Bank after I missed my mortgage payment in XX/XX/XXXX. Previously, I had paid off a forbearance loan in XX/XX/XXXX for {$16000.00} to M & T Bank. After I received M & Ts response, I did a little research on the Cares Act 2020. Should I have been given consideration under the Cares Act for M & T Bank reporting my late mortgage payment to the credit bureaus?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called M & T bank where I have my loan for my vehicle through they were to set payments back when covid-19 hit for some reason in XXXX of last year they are stating I was late on a payment or missed a payment which is not true I've been on the phone four or five times and still can not get this resolved if you look at my payment history it's excellent until covid-19 hit when I lost my job and that's when I had payments move to the back of the loan so I did not miss or was not late and was told I would have nothing like that on my record if I put these payments to the back of the loan but still can not get any where's with this company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 129XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: M & T Bank acted more egregiously than impersonating law enforcement : They abused tax payer dollars and send multiple police to my HOME attempting to collect a debt that I had been trying to pay for 4 months. In addition, I had informed them that I was out of the country MULTIPLE times, and they had the police harass my tenant anyway. I have been attempting to get answers about this abuse for months now, and they NEVER address my concerns. Absolutely filthy behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On the dates XX/XX/21, XX/XX/21 and XX/XX/21 I called the M & T Bank customer service support number to file a dispute in the amounts of {$1300.00}, {$320.00} and {$500.00} respectfully totaling {$2200.00}. All 3 transaction was with the merchant XXXX. All 3 items were returned back to merchant. The items were purchased and returned and the merchant never credited me for the amount. I called the merchant many times and everyone gives me the run around which is why I called M & T Bank to file a dispute. However M & T Bank denied my claims because I was told the merchant provided M & T Bank with the purchase receipt as evidence. I told the M & T Bank customer service agent how is a purchase receipt used as evidence if the item was returned and credit was not given back to me. He could not answer me back and told me to fax a written statement to M & T Bank to reopen the case and Its been over 3 weeks and no far I have not heard back from M & T Bank. I had a similar case with the same merchant before and M & T Bank did honor my dispute that time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2021, my Loss Mitigation Assistance Application was denied by M & T bank. On XX/XX/2021 I received a letter from M & T regarding my Loss Mitigation Assistance Application for which they request additional documentation. I supplied the additional documentation on XX/XX/2021, via confirmed Fax from an M & T branch. Although I supplied all the documents requested, application was denied and forbearance status was revoked leading to four packages of foreclosure letters mailed to my address at XXXX XXXX XXXX, XXXX XXXX, NY, XXXX the following week. This practice was horrendous, as M & T customer reps has no explanation as to was cause for the for start of foreclosure proceedings. They never processed my application because it was never their intent. I am concerned that M & T is attempting to force me out of my home so the profit by resale on the open market. They are denying me the opportunity to obtain loss mitigation assistance to stay in my home as I wish to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: review the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 2. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 3. Identity Theft M & T BANK Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXXXXXX XXXX. Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10038
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A