Date Received: 2021-04-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: I was giving my daughter a loan via XXXX. I inadvertantly used an old email and I filed another CFPB complaint against my bank, XXXX XXXX XXXX. The bank was able to confirm that the transaction was sent to M & T Bank, but since it was a completed transaction, they asked, but apparently M & T would not return my money. Hence, this complaint against M & T Bank. The account that the money was sent to was apparently in contention with my daughter, and she has not accessed the account in months, so it appears that M & T is trying to keep my money {$400.00} for their issues with her account. I don't feel that they should keep my money sent to them in error for a dispute that has nothing to do with me.The account in question is M & T Acct # XXXX. It is my understanding that my daughter has notified them of the error, and also filed a complaint with CFPB, but they are trying to keep my money!
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Lost or stolen check
Subissue:
Consumer Complaint: Dear Sir/Madam : ( Second complaint ) On or about XX/XX/XXXX, I sign a promissory note ( herein attached marked exhibit A ) with XXXX & XXXX XXXX and agreed to repay my debt owed to them despite receiving a bankruptcy discharge on or about XX/XX/XXXX. I remember vividly hand delivering the cashiers check or money order to XXXX XXXX and I accidently forgot to detach the purchaser copy and gave XXXX XXXX the entire cashiers check or money order that contains the serial number of the cashiers check or money order and account number. I asked XXXX XXXX for a copy of the cashiers check or money order, but unfortunately, he states that he is unable to search his bank history to try to locate the deposit. I have come to learn through previous payments I submitted ( please see attached two-pages of transaction made at XXXX XXXX XXXXXXXX and the other at M & T Bank herein marked exhibit B ) to XXXX & XXXX XXXX that they may have submitted payments to one of the below listed banks ( M & T Bank or XXXX XXXX XXXXXXXX ). These are the only two banks that it appears XXXX & XXXX XXXX utilizes to negotiate the cashiers check or money I submitted to them for payment of my debt owed to them. Therefore, the XXXX XXXX dollar payment I made to XXXX & XXXX XXXX in the form of a XXXX XXXXXXXX XXXX cashiers check or money order could have been deposited in either of these banks which are : M & T Bank or XXXX XXXX XXXXXXXX Connecticut ( herein attached ) Furthermore, I made the purchase of the cashiers check or money order from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, New Jersey XXXX on or about XX/XX/XXXX through XX/XX/XXXX. I asked the representatives of XXXX XXXXXXXX XXXX to view their banks video recording, which would clearly show me inside the XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX, XXXX, New Jersey counting the XXXX XXXX dollars in U.S. currency multiple times. XXXX XXXX representatives agreed to assist me, however, in their response, XXXX XXXX NEVER admitted to reviewing their video as I requested, nor do they ask my weight, height, complexion or race, or the location I was standing in the bank as I have previously mentioned. IF XXXX XXXX XXXX representatives would have asked me my race, height, complexion and the location where I was standing inside the bank, then they could have easily eliminated other citizens, however they did not because they NEVER reviewed their video recordings! It has been brought to my attention that M & T Bank and XXXX XXXX XXXXConnecticut is required by law to submit a CTR Report or a Currency Transaction Report in regards to my cashiers check or money order made payable to XXXX & XXXX XXXX. Therefore, a copy of the CTR report will show my payment of XXXX XXXX dollars made payable to XXXX & XXXX XXXX. Currency Transaction Report ( CTR Report ) Filing Obligations A bank MUST electronically file a Currency Transaction Report ( CTR ) for each transaction in currency1 ( deposit, withdrawal, exchange of currency, or other payment or transfer ) of more than {$10000.00} by, through, or to the bank. These currency transactions need not be reported if they involve exempt persons, a group which can include commercial customers meeting specific criteria for exemption. A bank must verify and record the name and address of the individual presenting a transaction, as well as record the identity, account number, and Social Security or taxpayer identification number, if any, of any person or entity on whose behalf such a transaction is conducted. Verification of the identity of an individual who indicates that he or she is an alien or is not a resident of the United States must be made by passport, alien identification card, or other official document evidencing nationality or residence ( e.g., a provincial drivers license with indication of home address ). Verification of identity in any other case must be made through a document, other than a bank signature card, that is normally acceptable as a means of identification when cashing checks for nondepositors ( e.g., a drivers license or credit card ). A bank signature card may be relied upon only if it was issued after documents establishing the identity of the individual were examined and notation of the specific information was made on the signature card. In each instance, the specific identifying information ( e.g., the drivers license number ) used in verifying the identity of the customer must be recorded on the report. The mere notation of known customer or bank signature card on file on the report is prohibited. All CTRs must be filed through FinCENs BSA E-Filing System ( Financial Crimes Enforcement Network or FinCEN ). Therefore, I am requesting a copy of any and all records including the CTR Report ( Currency Transaction Report ), the copies of cashiers check or money order that I purchased from XXXX XXXX Bank in the amount of XXXX XXXX dollars, and whether or not same was negotiated/processed, relating to a financial transaction from XXXX XXXX at XXXX XXXX branch located at XXXX XXXX XXXX, XXXX, New Jersey. The banking transaction is believed to have occurred between the period of XX/XX/XXXX through XX/XX/XXXX that involved a ( {$50000.00} ) XXXX XXXX dollars cash transaction in exchange for cashier 's check or money order payable to XXXX and XXXX XXXX. I am requesting your immediate assistance ; otherwise, if I were to die without paying my debt in full, then XXXX XXXX XXXX XXXX will receive an additional payment of XXXX XXXX dollars from my life insurance policies that they are not entitled to receive. Sincerely, XXXX XXXX XXXX Dated : XX/XX/XXXX 2021
Company Response:
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2021 I, XXXX XXXX, meet with Bank Representative, XXXX XXXX at Manufacturers and Traders Trust Bank, XXXX NY to discuss the compromise of my checking accounts. She creates new account numbers and files for new bank cards. Within days, I receive the cards and within two weeks my car is broken in to and my new banking information -- which was left in my briefcase elsewhere -- was sitting on the front seat of my car. I reported this to the XXXX NY Police Department ( other items were removed from the car including clothing, pruning shears, etc. ). Now that I have received the new checks, my car was again broken in to and my new check book was removed from the car. At this time, both accounts are compromised. Also, I was traveling at this time ( between NY and NJ ) and when I arrived at the M+T bank in NJ, I was asked by the bank representative when the last time was that I used the checking account. She stated that my account was used just prior to my arrival at the bank ( a debit of {$.00} from XXXX XXXX ). The XXXX XXXX account -- which is not mine -- had my mother 's maiden name in it and the owner as XXXX XXXX. XXXX XXXX is a person of interest in two cases that were opened in XXXX XXXX, CA ( where I was drugged from XX/XX/XXXX-XX/XX/XXXX ). He has since been stalking me and I have not been able to receive help from any authority with this issue. The banking issue is certainly one of concern since I now must return to the bank and have them reissue new bank cards and checking account numbers.
Company Response:
State: CA
Zip: 91360
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I recently ( 5 1/2 weeks ago ) refinanced my home and my mortgage was paid off with this bank. I am trying to complete my taxes and access my 1098 via my online account per the email I was sent in XXXX of this year. The institution has since closed my online account, blocking my access to vital tax documents and all prior statements of my account as I had elected for paperless documents. This is not my first issue with this bank which is one of the reasons I refinanced, to make sure I would no longer have to deal with this institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98034
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/13, I used XXXX twice for what turned out to be an imposter posing as a friend of mine on XXXX. Needless to say, the promised grant funds were never delivered. This involved {$1000.00} and then {$1000.00}, totalling {$2000.00}. I immediately recognized the scam that even and started a dispute process with the bank. Needless to say, a month later, escalating the matter to everyone but the CEO, I am still getting nowhere.
Company Response:
State: MD
Zip: 21204
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I went to M & T bank and took out a XXXX XXXX account. I change it to my nephew name XXXX XXXX. In 2020 I put it back in name. My name is XXXX XXXX. I called M & t bank and XXXX XXXX and I never got through to the XXXX number or response from XXXX XXXX. My nephew recieved a 1099-R from the XXXX XXXX I brought from M & T bank saying he took out {$8.00}. He never took out any money from the XXXX XXXX XXXX. They are lying. M & T bank gave me the same number. XXXX XXXX gave meXXXX. The 1099-R should be in my name because it has changed to my name and no money was taken out by me or my nephew. He will be unable to get a refunf because the lie XXXX XXXX I brought from M & t bank saying my nephew took out money. They said he took a taxable amount. They say {$8400.00}. Please help to get this matter fixed..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: - A loan agreement was entered into between XXXX XXXX XXXX and M & T Bank on or about XX/XX/XXXX. - On XX/XX/XXXX, a discussion between XXXX and I came to the conclusion that we should have received some type of statement, by now, from M & T Bank regarding a first payment being due. At that time, we reached and were told that we did, in fact, have a payment due on XX/XX/XXXX. Seeing as how we were late, we made that payment over the phone and verified our billing address in order to begin receiving monthly statements. - Received my next months statement ( attached ) in the mail for XX/XX/XXXX XX/XX/XXXX, paid it online on XX/XX/XXXX. This was the only statement ever received from M & T Bank. - Next months payment was made on XX/XX/XXXX online, but no statement was received. - Enrolled in XXXX on XX/XX/XXXX via a mailed document ( attached ). - On XX/XX/XXXX at XXXX CST co-signer of the M & T XXXX XXXX XXXX XXXX XXXX XXXX received a phone call that there was a past due amount on our XXXX XXXX. The call seemed somewhat unprofessional and invalid, thus triggering XXXX to believe that the call was fraudulent. An attempt was made to collect payment, but was denied due to the call seeming bogus. XXXX made a call to me to let me know, but I was driving at the time and did not look into the call until I got home. Upon arriving at home at roughly XXXX, I looked on the M & T app and realized that the call was accurate. This triggered me to enter into a payment for the past due amount of {$330.00}. This was the first contact that was made by M & T Bank regarding any type of past due amount. No phone calls, no written contact until XXXX ( CST ) XX/XX/XXXX. - On XXXX I was notified by my credit monitoring agency that my credit had taken a substantial hit for a delinquent account ( M & T Bank ). - A letter XXXX attached ) was written and sent on XX/XX/XXXX to dispute this claim with M & T Bank, explaining the circumstances, and requesting the derogatory remarks be removed from my credit report. A reply letter ( attached ) from M & T Bank was written on XX/XX/XXXX, and received on XX/XX/XXXX indicating that no action would be taken by M & T Bank in regard to removing the derogatory remark from my credit report. A second letter XXXX attached ) was generated, by myself, on XX/XX/XXXX regarding their decision to take no action. We are of the opinion that there is some type of communication disconnect between M & T Billing Department XXXX M & T Customers, and the M & T Collections/Credit Department, and that our credit scores should not reflect this negligence. As stated previously, both XXXX and my credit scores have been immaculate up until this incident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: M & T Bank is reporting lates on my credit file for XX/XX/20, XX/XX/20, XX/XX/20. At the very beginning of Covid, my employer was significantly impacted as work had gone done severely. This meant I had a huge cut in pay and hours while they tried to resolve some things for the company. I was lucky enough to keep my job during this time but this did not go without consequences. I had been a long time customer and had never been late before and have not been late after. I ask that they please remove these late notations from my credit file as a goodwill adjustment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In XXXX, my husband and I had an M & T Bank XXXX XXXX XXXX # XXXX in the amount of {$25000.00} on our property located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. We satisfied that loan when we combined it with a first mortgage refinancing through the XXXX XXXX XXXX in XXXX. The property at XXXX XXXX XXXX XXXX is under contract to sell. Settlement is scheduled for XX/XX/XXXX. On XX/XX/XXXX, we learned that M & T bank neglected to file the proper documents with the XXXX XXXX XXXX XXXX to remove the lien on the XXXX XXXX XXXX property. That negligence is costing us {$37000.00} at settlement. The abstract company is holding back 150 % of the original home equity loan. We have been told that M & T is researching our former loan and will try to remediate their error in XXXX or more days. We have spoken to the personnel in the bank and can not get clear answers about their process or timeline. We are very concerned that they may not pursue this issue with diligence since it is an old loan and at present no-one in their offices can find it in their computers. My husband and I acted in good faith by paying off the M & T loan, and now we are being financially disadvantaged because someone in their corporation failed to do the proper paperwork to remove our liability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2020, I agreed to be placed under a forbearance. Under the agreement due to COVID-19, I was informed that I would not accrue additional fees or penalties. It not only seems as if I have accrued these fees but the fees Im being charged are to confirm I still live in the home. Even though I agreed to a forbearance I have paid two -thirds of my mortgage since XX/XX/2020 in hopes of limiting the amount due at the end of the year. As of this email I owe the bank a little over {$5400.00}. I have a statement from them showing I owe them {$9000.00}. Over the phone they say all the right things but they dont send me an adjusted mortgage statement. They only have offices in New York or Maryland and not California where I live. I need help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A