| 11/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am writing to request correction of the errors described below in regard to the mortgage on my property at XXXX XXXX XXXX, XXXX XXXX CT XXXX. Hudson City Savings Bank XXXX XXXX XXXX made the loan in XXXX. M & T Bank XXXX M & T ) acquired XXXX and our loan, becoming our lender, debt collector and XXXX in XXXX XXXX.
XXXX failed to transfer to M & T accurate information relating to the servicing of the loan. M & T compounded the errors and overstated monthly payments, monthly loan balances from XXXX. M & T overstated payoff balances including the XXXX/XXXX/XXXX transfer date, the XXXX/XXXX/XXXX modification and later on XXXX/XXXX/XXXX payoff statement.
Please note from XXXX XXXX, XXXX note, modification, XXXX letter and XXXX letter were non-responsive on the part of M & T as they provided no original information, loan corrections or independent analysis of our requests. XXXX XXXX, XXXX details how Hudsons XXXX modification, XXXX and XXXX letters support our case not XXXX.
The errors and our corrections are detailed in several correspondences already sent to M & T XXXX including, in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX. M & T requested specifics. We provided XXXX XXXX Revisions, XXXX XXXX Updated Revisions and M & T-Based Revisions and most recently an XXXX XXXX, XXXX Qualified Written Request/Notice of Error. M & T now has ample specific evidence from multiple sources for the specific changes we request.
M & T Bank acquired Hudson City Savings Bank and our mortgage on XXXX/XXXX/XXXX and became as lender, servicer and furnisher of credit data. XXXX made errors XXXX. M & T needs to respond and correct XXXX errors : XXXX. Eliminate old tradelines dating from first delinquency date of XXXX XXXX Equifax XXXX XXXX ) Shows XXXX date of first delinquency XXXX TransUnion Shows XXXX date of first delinquency c. XXXX XXXX Shows XXXX date of first delinquency XXXX FTC Opinion Shows XXXX unchanged by later payments XXXX FTC Opinion Shows XXXX unchanged by M & T acquisition XXXX. Eliminate duplicative tradelines, XXXX and M & T, for the same loan.
XXXX Experian XXXX shows XXXX derogatory accounts for same loan XXXX Equifax XXXX shows XXXX derogatory accounts for same loan XXXX. XXXX XXXX XXXX XXXX XXXX using XXXX XXXX and XXXX a. XXXX XXXX XXXX XXXX XXXX, XXXX Revisions XXXX. XXXX XXXX Principal, e.g. Credit/Apply Payments XXXX and XXXX a. XXXX XXXX especially XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX Overcharges XXXX. XXXX/XXXX/XXXX XXXX XXXX a. XXXX XXXX especially XXXX XXXX XXXX. Delete XXXX tradelines as they are Inaccurate, Incomplete and Unverifiable a. Despite substantial, multiple source evidence ( see XXXX XXXX b. Despite pending Disputes/QWRs ( XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Furnished post QWRs and Disputes ( attach MyFICO showing updates XXXX XXXX Failed to Advise Credit Bureaus of Dispute XXXX. Fix loan records. M & T acknowledged receipt of our requests and promised response, but made no substantive response or correction. See Attachments : a. XXXX XXXX, XXXX XXXX Customer Service XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of Error c. XXXX XXXX, XXXX Updated Revisions, M & T XXXX XXXX XXXX XXXX XXXX, XXXX Revisions XXXX XXXX XXXX, XXXX XXXX Follow up XXXX XXXX XXXX, XXXX QWR and Request for Information Please see below summary evidence that the M & T loan records and tradelines are old, duplicative, inaccurate, incomplete and unverifiable. Also see Exhibits and Attachments : XXXX. XXXX XXXX is Too Old-First Delinquency Date XXXX XXXX XXXX had date of first delinquency XXXX XXXX. Made a few additional payments XXXX and XXXX but didnt bring current. According to FTC opinions, these payments dont change the date of first delinquency. M & T Bank acquired Hudson City Savings Bank and our mortgage on XXXX/XXXX/XXXX. According to FTC opinions, transfer from XXXX bank to another doesnt change date of first delinquency and XXXX deadline.
Transunion has already deleted the XXXX tradeline as its too old. Equifax and Experian are processing our disputes and deletion requests now. Please see : Equifax XXXX XXXX ) Shows XXXX date of first delinquency, TransUnion Shows XXXX date of first delinquency, XXXX XXXX Shows XXXX date of first delinquency, FTC Opinion Shows XXXX unchanged by later payments and FTC Opinion Shows XXXX unchanged by M & T acquisition XXXX. XXXX XXXX XXXX M & T XXXX for the same loan Experian and Equifax both show XXXX derogatory accounts, XXXX and M & T, for the same loan originated by XXXX in XXXX XXXX and bought by M & T XXXX XXXX. As a result, our credit is damaged with XXXX adverse accounts ( 30 days late, 60 days late etc. ) instead of XXXX. CFPB recommends disputing duplicate accounts like this so we are disputing the XXXX tradeline and requesting deletion. Please see : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX offered rate change in 1 month using a XXXX application in 1 month with no underwriting. We requested a rate change XXXX XXXX. XXXX denied its policy delaying rate change for 30 months then charging an above-market rate. XXXX overcharged us and failed to correct its loan accounts, from our XXXX XXXX rate request until the transfer to M & T Bank in XXXX XXXX.
XXXX written policy, XXXX market rates and the interest charges were all detailed in correspondence to M & T. XXXX XXXX especially XXXX XXXX Revisions and XXXX XXXX Updated Revisions.
XXXX. XXXX XXXX XXXX, Credit/Apply Payments XXXX and XXXX XXXX requested and received $ XXXX in XXXX payments. XXXX failed to credit the payments to the loan. This violated the note and CFPB requirements for immediate credit of full monthly payments. XXXX declared a false XXXX default and initiated a dual-track foreclosure. Using XXXX & XXXX calculations and the same assumptions below, we can correct this lack of credit. Please see Attachments especially XXXX XXXX and XXXX XXXX.
XXXX faced a situation in XXXX substantially similar to XXXX & XXXX situation in XXXX. XXXX claimed a loan repayment default, on or about XXXX XXXX. The loan, interest and {$10000.00} monthly payment assumptions were exactly the same for both banks. but XXXX and M & T acted completely differently.
Comparing the XXXX loan statements to the XXXX XXXX modification document prove XXXX applied {$0.00} in XXXX and applied {$0.00} to the XXXX modification balances. The loan balance in both documents was identical and unchanged despite $ XXXX in XXXX payments made. M & T clearly quantifies XXXX XXXX errors.
Using M & T statements from XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, the XXXX errors in XXXX can easily be fixed. XXXX {$10000.00} payments are applied as follows : Principal : {$3300.00} {$3300.00} {$3300.00} {$3300.00}. XXXX {$3400.00} {$3400.00} XXXX {$20000.00} XXXX : {$6900.00} {$6900.00} {$6900.00} {$6900.00} {$6900.00} {$6800.00} XXXX {$41000.00} The balance of {$2400.00} would briefly be in a suspense account as a partial payment but then refunded to us in XXXX. According to XXXX & XXXX response to our QWR, XXXX had no accounting for suspense accounts. Even if the XXXX loan payment agreement justified an abnormal $ XXXX suspense account, XXXX claims default in XXXX of XXXX so a full refund of the larger suspense account should have been made in XXXX. Despite this, we never received XXXX suspense accounting or suspense refunds.
M & T Bank applied our XXXX payments to XXXX using the same monthly payments of {$10000.00} and the exact same rate and term assumptions. We would expect that payments would be applied first to interest and principal per the note and applied as monthly payments of principal and interest per the XXXX modification.
This would have resulted in a reduction in principal balance, a reduction in accrued interest and a refund of any remaining funds less than a full monthly payments.
XXXX Payments CFPB requires full monthly payments to be applied when received. Partial payments can be in suspense briefly if disclosed and promptly refunded. In their XXXX XXXX, XXXX letter, XXXX admits 0 % of the XXXX payments were applied in XXXX. Instead, 100 % of the XXXX payments went to an undisclosed, multi-year suspense account.
XXXX claims in the XXXX XXXX, XXXX letter that our XXXX payments of {$20000.00} were applied as XXXX monthly payments of {$10000.00} plus an extra {$23.00}. Contemporaneous records contradict XXXX. The XXXX form XXXX shows that 100 % of the {$20000.00} plus {$8100.00} from XXXX was credited 100 % as interest.
Based on M & T statements from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX payments of {$10000.00} should be allocated and applied to principal and interest as follows : Principal : {$3300.00} {$3300.00} Total {$6700.00} Interest : {$6900.00} {$6900.00} Total {$13000.00} The extra funds of {$23.00} ( i.e. the amount in excess of XXXX full months XXXX were acknowledged in the XXXX letters, but they were not contemporaneously disclosed or accounted for as a suspense amount. {$23.00} was never refunded to us.
XXXX. Correct XXXX Overcharges including XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX : XXXX XXXX XXXX {>= $1,000,000} XXXX XXXX XXXX {$230000.00} XXXX Stated Other {$6900.00} XXXX XXXX XXXX {>= $1,000,000} Corrected Principal {>= $1,000,000} Corrected Interest {$130000.00} Corrected Other {$0.00} Corrected Loan Total {>= $1,000,000} Corrected Monthly {$7500.00} On XXXX, XXXX lent us {>= $1,000,000}. We only owed {>= $1,000,000}. The remaining {$180000.00} was our credit balance. With our additional XXXX payments of {$20000.00}, our credit balance grew to over {$200000.00}. There were no late payments or a default in XXXX. By falsely claiming default, XXXX violated XXXX ( f XXXX or XXXX j ). M & T continues this violation by using a false XXXX default to get a foreclosure judgment on XXXX/XXXX/XXXX. Please see Attachments especially XXXX XXXX and XXXX XXXX.
XXXX. Delete XXXX tradelines as they are Inaccurate, Incomplete and Unverifiable a. XXXX XXXX XXXX The XXXX tradelines are inaccurate in all respects from XXXX XXXX to XXXX XXXX per our correspondence dated XXXX XXXX, XXXX XXXX and XXXX XXXX of this year. Errors include principal balance, interest, monthly and other charges.
M & T Bank has failed to do independent analysis, provide responsive communications and correct loan errors. XXXX XXXX XXXX XXXX XXXX Principal and Interest Balances from XXXX to XXXX. These errors persist for 75 months from initial request XXXX XXXX to the M & T transfer at the end of XXXX including XXXX Overcharges : Outstanding Principal : All months from {$1400.00} to {$72000.00} Monthly Interest : All months from {$2500.00} to {$3600.00} Late Fees : All months from {$1400.00} to {$20000.00} Corporate Advances : All months to {$11000.00} Regular Monthly Payment : All months from {$2800.00} to {$2800.00} Total Amount Due : All months from {$2800.00} to {$460000.00} Modification XXXX/XXXX/XXXX : Overstated principal and interest by {$180000.00} Transfer XXXX/XXXX/XXXX : Borrower has {$8000.00} credit not overdue payments.
XXXX overcharged and M & T failed to correct modification loan balances as of XXXX/XXXX/XXXX.
Hudsons XXXX modification included overstated payoff balances for principal, interest and other charges. Hudsons Failure to provide an accurate payoff balance amount upon a borrower 's request in violation of section XXXX XXXX XXXX XXXX c ) ( XXXX ).
The XXXX tradelines are entirely wrong for at least 75 months from the initial XXXX XXXX modification request through the XXXX XXXX transfer to M & T.
XXXX credit unions conflict with each other, XXXX contracts and M & T practice.
XXXX XXXX XXXX XXXX XXXX tradelines are incomplete. From XXXX XXXX to XXXX XXXX, XXXX omitted monthly statements and credit bureau reports. From XXXX, XXXX omitted suspense account, escrow account and loan modification accounts. XXXX admitted escrow payments, but M & T confirmed the lack escrow and other records.
XXXX tradelines are incomplete missing 30 monthly statements, suspense and escrow account records. XXXX admitted suspense and escrow items in XXXX letters but made no records. XXXX no longer exists. It cant provide missing items. Per our XXXX XXXX XXXX, M & T confirmed the lack of XXXX escrow records etc.
XXXX XXXX XXXX XXXX by XXXX and per regulations XXXX tradelines are unverifiable. The bank ceased to exist as of XXXX XXXX. Due to this and incomplete records, the tradelines can not be verified. M & T will not verify tradelines as there is missing data. Also, XXXX XXXX and M & T continuing ) errors breach the XXXX note and XXXX modification. They also violate federal law and M & T policy.
Based on initial review with Consumer Financial Protection Bureau XXXX CFPB XXXX, M & T Bank and XXXX are in violation of multiple CFPB regulations ( please see XXXX XXXX Specific Legal Violations ). M & T Bank, in addition to its breach of the XXXX note, the XXXX modification and other agreements, M & T Bank is also in violation of Consumer Financial Protection Bureau guidelines and regulations : XXXX. XXXX and XXXX Failure to XXXX Payments XXXX CFR XXXX XXXX c ) ( XXXX ) ; XXXX. XXXX and XXXX Failure to Properly Apply Payments per the note and regulations ; XXXX. Unauthorized XXXX and XXXX Accounts by XXXX from XXXX ; XXXX. Failure to XXXX XXXX and XXXX accounts XXXX XXXX b ) ; XXXX. Neglecting monthly statements, escrow and suspense accounting XXXX and XXXX ; XXXX. Using wrong default XXXX XXXX for XXXX for Judgment of XXXX ( f XXXX or XXXX j ) ; XXXX. XXXX Incorrect Information re Loss Mitigation/ Loan Modification ; and XXXX. Adverse reports to Credit Bureaus despite XXXX XXXX XXXX XXXX M & T XXXX XXXX XXXX XXXX Violates Note and Regulations FCRA requires deletion of tradelines that are either inaccurate, incomplete or unverifiable. M & Ts tradelines meet all three FCRA criteria. CFPB suggests borrowers dispute all duplicate tradelines as they hurt borrower credit. M & T duplicates XXXX.
Disputes are being sent to all three credit bureaus seeking deletion of the M & T tradelines within 30 days. Each will contact M & T for verification. M & T can not and should not verify the M & T tradelines when asked to do so by the credit bureaus. By withholding verification, M & T lets credit bureaus delete all M & T tradelines.
M & T cant verify tradelines because : XXXX. M & T lacks complete data ; XXXX. The loan errors breach Hudsons policy, XXXX note and XXXX modification ; and XXXX. The errors violate CFPB and FCRA regulation. This is documented by QWR and XXXX XXXX.
Therefore, M & T verification would constitute contract breach and federal violation.
On XXXX XXXX, we included M & T XXXX XXXX, using M & Ts own statements and loan calculations to demonstrate loan errors. Since M & T was using the exact same loan assumptions as XXXX, the M & T XXXX XXXX confirm loan errors. M & Ts own work suggests M & T should not verify either XXXX or M & T tradelines.
If M & T ignores the above and verifies anything, we require a prompt, specific, written explanation why M & T chooses to breach loan agreements, federal law and M & T policy.
Here are examples of XXXX and M & T loan contract breaches federal violations : XXXX. Hudsons XXXX letter confirms it credited no XXXX payments to anything in XXXX. CFPB confirms this violated federal law including XXXX XXXX XXXX XXXX c ) ( XXXX ) ( and the terms of the XXXX note ). M & T Based Revisions show the XXXX error and the specific corrections. Fixing this error is required by law, M & T should fix it now.
XXXX. Hudsons XXXX letter confirms XXXX made XXXX escrow tax payments. M & T, however, confirms the loan is non-escrow, no such payments can be made without our written authorization and there are no XXXX escrow records at all.
XXXX. M & T shows tax payments made as non-interest bearing corporate advances. This were set forth to be capitalized as part of the XXXX/XXXX/XXXX modification agreement. Hudsons XXXX loan modification discloses no tax payments for capitalization.
XXXX. Hudsons XXXX modification also shows the loan balance was unchanged from XXXX to XXXX to the XXXX/XXXX/XXXX modification, further proving XXXX credited no payments violating XXXX XXXX XXXX XXXX c ) ( XXXX ).
XXXX. XXXX admits in its XXXX letter that the XXXX payments applied 100 % to interest despite the terms of the note calling for principal and interest payments. This violates of XXXX CFR XXXX XXXX c ) ( XXXX ). M & T XXXX XXXX prove both the XXXX error and the specific M & T corrections.
XXXX. Despite correspondence proving no XXXX default and no grounds for foreclosure, M & T wrongfully proceeded to obtain an order of foreclosure in XXXX XXXX. M & T wrongfully moving for foreclosure in XXXX violates XXXX XXXX g XXXX or XXXX j ).
M & T can not ignore conflicting credit bureaus and claim all tradelines are correct. The credit bureau reports currently conflict with each other and with M & T records : XXXX. XXXX bureau shows a closed account, but another shows it open.
XXXX. XXXX has no current mortgage debt but another has $ XXXX mortgage debt.
XXXX Credit bureau reports all conflict with M & T XXXX and M & T XXXX XXXX
The credit bureau reports conflict with M & T XXXX and M & T XXXX e.g. : M & T XXXX Credit Bureau XXXX XXXX M & T XXXX {>= $1,000,000} ( not {>= $1,000,000} ) XXXX M & T XXXX XXXX {>= $1,000,000} ( not XXXX ) Initial, M & T XXXX and Interest {$8900.00} and 3.0 % ( not {$10000.00}, 4.375 % ) XXXX M & T XXXX and Interest {$9300.00} and 3.5 %. XXXX not {$10000.00}, 4.375 % ) XXXX Payments Made XXXX Above ( not no payments made ) M & T XXXX XXXX Late XXXX ( not XXXX ) Percentage Loan Paid Off 1.25 % ( not negative 37 % ) Attachments XXXX. XXXX XXXX, XXXX XXXX Customer Service XXXX XXXX. XXXX XXXX, XXXX XXXX QWR/Notice of Error XXXX. XXXX XXXX, XXXX Updated Revisions, M & T XXXX XXXX XXXX. XXXX XXXX, XXXX Revisions XXXX. XXXX XXXX, XXXX XXXX Follow up XXXX. XXXX XXXX, XXXX XXXX and XXXX for XXXX XXXX. Fico XXXX Shows Duplication, No credit XXXX pmts, Adverse post QWRs XXXX. XXXX XXXX XXXX statement XXXX Delinquency XXXX not brought current XXXX. Equifax XXXX XXXX Shows XXXX derogatory accounts for the same loan XXXX. Experian XXXX Experian XXXX account still not deleted despite age XXXX. Experian XXXX Experian Duplicate Negative Accts for same loan XXXX. Equifax XXXX XXXX Shows XXXX account date of first dueling XXXX
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| 11/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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CFPB Complaint I Trouble During Payment-Servicing, Payment Process, Escrow XXXX XXXX XXXX XXXX lent a {$1.00} mortgage XX/XX/XXXX. XXXX policy offered rate change in 1 month using a 1-page application in 1 month with no underwriting. We requested a rate change XX/XX/XXXX. XXXX denied its policy delaying for 30 months. XXXX overcharged us and failed to correct its loan accounts, from our XX/XX/XXXX rate request until the transfer to M & T Bank in XX/XX/XXXX.
M & T Bank acquired XXXX XXXX XXXX XXXX and our mortgage on XX/XX/XXXX. M & T Bank, as lender, servicer and furnisher of credit data, failed to correctly : 1. Credit/apply XX/XX/XXXX-XX/XX/XXXX payments.
a. XXXX Loan Activity shows six payments of $ XXXX each b. XXXX Loan Details shows total payments of $ XXXX 2. Eliminate duplicative tradelines for the same loan.
a. XXXX Duplicative shows 2 derogatory accounts for same loan b. XXXX Duplicative shows 2 derogatory accounts for same loan 3. Eliminate old tradelines dating from first delinquency date of XX/XX/XXXX a. XXXX ( 2 ) Shows XX/XX/XXXX date of first delinquency b. XXXX Shows XX/XX/XXXX date of first delinquency c. XXXX XX/XX/XXXX Shows XX/XX/XXXXdate of first delinquency d. FTC Opinion Shows XX/XX/XXXX unchanged by later payments e. FTC Opinion Shows XX/XX/XXXX unchanged by M & T acquisition 4. Furnish or withhold data and tradelines to the credit bureaus a. Despite substantial, multiple source evidence ( see Attachments ) b. Despite pending Disputes/QWRs ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) c. Furnished post QWRs and Disputes ( attach XXXX showing updates ) d. Failed to Advise Credit Bureaus of Dispute 5. Fix loan records. M & T acknowledged receipt of our requests and promised response, but made no substantive response or correction. See Attachments : a. XX/XX/XXXX M & T Customer Service Research b. XX/XX/XXXX M & T QWR/Notice of Error c. XX/XX/XXXX XXXX Customer Service Research d. XX/XX/XXXX XXXX QWR/Notice of Error e. XX/XX/XXXX Updated Revisions, M & T Based Revisions f.XX/XX/XXXX Revisions g. XX/XX/XXXX QWR Follow up h. XX/XX/XXXX QWR and Request for Information 6. Provide balances, payoff amounts and monthly invoices in XX/XX/XXXX and XX/XX/XXXX a. Monthly statements XX/XX/XXXX and XX/XX/XXXX b. Incorrect Payoffs including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Please see below our summary evidence that the M & T loan records and tradelines are inaccurate, incomplete and unverifiable. See detail below and attachments : XXXX and M & T Tradelines Inaccurate The XXXX tradelines are inaccurate in all respects from XX/XX/XXXX to XX/XX/XXXXper our correspondence dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of this year. Errors include principal balance, interest, monthly and other charges.
M & T tradelines, based solely on inaccurate XXXX data, are also inaccurate.
M & T Bank has failed to do independent analysis, provide responsive communications and correct loan errors. See XX/XX/XXXX QWR Corrected Principal and Interest Balances from XX/XX/XXXX to XX/XX/XXXX. These errors persist for 75 months from initial request XX/XX/XXXX to the M & T transfer at the end of XX/XX/XXXXincluding XXXX Overcharges : Outstanding Principal : All months from {$1400.00} to {$72000.00} Monthly Interest : All months from {$2500.00} to {$3600.00} Late Fees : All months from {$1400.00} to {$20000.00} Corporate Advances : All months to {$11000.00} Regular Monthly Payment : All months from {$2800.00} to {$2800.00} Total Amount Due : All months from {$2800.00} to {$460000.00} Modification XX/XX/XXXX : Overstated principal and interest by {$180000.00} Transfer XX/XX/XXXX : Borrower has {$8000.00} credit not overdue payments.
XXXX overcharged and M & T failed to correct modification loan balances as of XX/XX/XXXX.
XXXX XX/XX/XXXX modification included overstated payoff balances for principal, interest and other charges. XXXX Failure to provide an accurate payoff balance amount upon a borrower 's request in violation of section 12 CFR 1026.36 ( c ) ( 3 ).
XXXX Overcharges Loan Modification XX/XX/XXXX : XXXX Stated Principal {>= $1,000,000} XXXX Stated Interest {$230000.00} XXXX Stated Other {$6900.00} XXXX Stated Total {>= $1,000,000} Corrected Principal {>= $1,000,000} Corrected Interest {$130000.00} Corrected Other {$0.00} Corrected Loan Total {>= $1,000,000} Corrected Monthly {$7500.00} On XX/XX/XXXX, XXXX lent us {>= $1,000,000}. We only owed {>= $1,000,000}. The remaining {$180000.00} was our credit balance. With our additional XX/XX/XXXX payments of {$20000.00}, our credit balance grew to over {$200000.00}. There were no late payments or a default in XX/XX/XXXX. By falsely claiming default, XXXX violated 1024.41 ( f ) or ( j ). M & T continues this violation by using a false XX/XX/XXXX default to get a foreclosure judgment on XX/XX/XXXX.
The XXXX tradelines are entirely wrong for at least 75 months from the initial XX/XX/XXXX modification request through the XX/XX/XXXX transfer to M & T.
Three credit unions conflict with each other, XXXX contracts and M & T practice.
M & T tradelines, based solely on inaccurate XXXX data, are also inaccurate.
XXXX and M & T Tradelines Incomplete XXXX tradelines are incomplete. From XX/XX/XXXX to XX/XX/XXXX, XXXX omitted monthly statements and credit bureau reports. From XX/XX/XXXX-XX/XX/XXXX, XXXX omitted suspense account, escrow account and loan modification accounts. XXXX admitted escrow payments, but M & T confirmed the lack escrow and other records.
XXXX tradelines are incomplete missing 30 monthly statements, suspense and escrow account records. XXXX admitted suspense and escrow items in XX/XX/XXXX-XX/XX/XXXX letters but made no records. XXXX no longer exists. It cant provide missing items. Per our XX/XX/XXXX QWR, M & T confirmed the lack of XXXX escrow records etc.
M & T tradelines, based solely on incomplete XXXX data, are also incomplete.
XXXX Tradelines ( and M & T ) Unverifiable XXXX tradelines are unverifiable. The bank ceased to exist as of XX/XX/XXXX. Due to this and incomplete records, the tradelines can not be verified. M & T will not verify tradelines as there is missing data. Also, XXXX ( and M & T continuing ) errors breach the XX/XX/XXXXnote and XX/XX/XXXX modification. They also violate federal law and M & T policy.
Based on initial review with Consumer Financial Protection Bureau ( CFPB ), M & T Bank and XXXX are in violation of multiple CFPB regulations ( please see XX/XX/XXXX Specific Legal Violations ). M & T Bank, in addition to its breach of the XX/XX/XXXXnote, the XX/XX/XXXX modification and other agreements, M & T Bank is also in violation of Consumer Financial Protection Bureau guidelines and regulations : 1. XX/XX/XXXX and XX/XX/XXXX Failure to Credit Payments WhenReceived12 CFR 1026.36 ( c ) ( 1 ) ; 2. XX/XX/XXXX and XX/XX/XXXX Failure to Properly Apply Payments per the note and regulations ; 3. Unauthorized Escrow and Suspense Accounts by XXXX from XX/XX/XXXX-XX/XX/XXXX ; 4. Failure to Refund Escrow and Suspense accounts XXXX ( b ) ; 5. Neglecting monthly statements, escrow and suspense accounting XX/XX/XXXX and XX/XX/XXXX; 6. Using wrong default Letter Basis for Motion for Judgment of XXXX ( f ) or ( j ) ; 7. XX/XX/XXXX-XX/XX/XXXX Incorrect Information re Loss Mitigation/ Loan Modification ; and 8. Adverse reports to Credit Bureaus despite Notices of Error M & T tradelines, based solely on unverifiable XXXX data, are also unverifiable.
M & T Verification of Tradelines Violates Note and Regulations FCRA requires deletion of tradelines that are either inaccurate, incomplete or unverifiable. M & Ts tradelines meet all three FCRA criteria. CFPB suggests borrowers disputte all duplicate tradelines as they hurt borrower credit. M & T duplicates XXXX.
Following this federal law, I will dispute the M & T tradeline with all three credit bureaus.
Disputes are being sent to all three credit bureaus seeking deletion of the M & T tradelines within 30 days. Each will contact M & T for verification. M & T can not and should not verify the M & T tradelines when asked to do so by the credit bureaus.
By withholding verification, M & T lets credit bureaus delete all M & T tradelines.
M & T cant verify tradelines because : 1. M & T lacks complete data ; 2. The loan errors breach XXXX policy, XX/XX/XXXX note and XX/XX/XXXXmodification ; and 3. The errors violate CFPB and FCRA regulation. This is documented by QWR and XX/XX/XXXX.
Therefore, M & T verification would constitute contract breach and federal violation.
On XX/XX/XXXX, we included M & T Based Revisions, using M & Ts own statements and loan calculations to demonstrate loan errors. Since M & T was using the exact same loan assumptions as XXXX, the M & T Based Revisions confirm loan errors. M & Ts own work suggests M & T should not verify either XXXX or M & T tradelines.
If M & T ignores the above and verifies anything, we require a prompt, specific, written explanation why M & T chooses to breach loan agreements, federal law and M & T policy.
Here are examples of XXXX and M & T loan contract breaches federal violations : 1. XXXX XX/XX/XXXX letter confirms it credited no XX/XX/XXXXpayments to anything in XX/XX/XXXX. CFPB confirms this violated federal law including 12 CFR 1026.36 ( c ) ( 1 ) ( and the terms of the XX/XX/XXXX note ). M & T Based Revisions show the XXXX error and the specific corrections. Fixing this error is required by law, M & T should fix it now.
2. XXXX XX/XX/XXXXletter confirms XXXX made XX/XX/XXXX-XX/XX/XXXXescrow tax payments. M & T, however, confirms the loan is non-escrow, no such payments can be made without our written authorization and there are no XXXX escrow records at all.
3. M & T shows tax payments made as non-interest bearing corporate advances. This were set forth to be capitalized as part of the XX/XX/XXXXmodification agreement. XXXX XX/XX/XXXXloan modification discloses no tax payments for capitalization.
4. XXXX XX/XX/XXXXmodification also shows the loan balance was unchanged from XX/XX/XXXX to XX/XX/XXXXto the XX/XX/XXXX modification, further proving XXXX credited no payments violating 12 CFR 1026.36 ( c ) ( 1 ).
5. XXXX admits in its XX/XX/XXXX letter that the XX/XX/XXXX payments applied 100 % to interest despite the terms of the note calling for principal and interest payments. This violates of 12 CFR 1026.36 ( c ) ( 1 ). M & T Based Revisions prove both the XXXX error and the specific M & T corrections.
6. M & T denied us the ability to make normal monthly payments in XX/XX/XXXX. According to the XXXX rate change notice and M & T monthly statements, normal monthly payments were {$8900.00} based on a 3 % rate. M & T added bogus XXXX charges inflating the total amount due to from $ XXXX {$580000.00}. The tradelines show no payment made, but dont explain that M & T blocked them.
7. After accepting six XX/XX/XXXX payments from us, M & T unfairly closed the loan modification and refused to accept payment from us after XX/XX/XXXX. The tradelines show no payment made, but dont explain that M & T blocked them.
8. M & T failed to credit six XX/XX/XXXXpayments totaling $ XXXX as XX/XX/XXXXpayments. The crdit bureaus report zero XX/XX/XXXXpayments made. This breached the XX/XX/XXXX note, the XX/XX/XXXX modification and federal law including 12 CFR 1026.36 ( c ) ( 1 ). Fixing this error is required by law, M & T should fix it now and report XX/XX/XXXXpayments made.
9. M & T gave inaccurate payoff amounts as XX/XX/XXXX in the proposed M & T loan modification. M & T further refused to accept corrected loan modification balances even though they were set forth in identical XXXX XXXX Uniform instruments. M & T denied an approved loan modification and violated 12 CFR 1026.36 ( c ) ( 3. Tradelines indicate foreclosure, dont explain that M & T blocked modification.
10. On XX/XX/XXXX, M & Ts counsel submitted a payoff as ofXX/XX/XXXX. It overstates the payoff amount by over {$300000.00} and violates 12 CFR 1026.36 ( c ) ( 3 ). It also denied us loss mitigation options e.g. reinstatement or payoff.
11. Despite correspondence proving no XXXX default and no grounds for foreclosure, M & T wrongfully proceeded to obtain an order of foreclosure in XX/XX/XXXX. M & T wrongfully moving for foreclosure in XX/XX/XXXXviolates 1024.41 ( g ) or ( j ).
M & T can not ignore conflicting credit bureaus and claim all tradelines are correct.
The credit bureau reports currently conflict with each other and with M & T records : 1. One bureau shows a closed account, but another shows it open.
2. One has no current mortgage debt but another has $ XXXX mortgage debt.
3. Credit bureau reports all conflict with M & T Statements and M & T Online .
Clearly, not all of these records can be correct as they vary greatly from each other : M & T Statements/Online Credit Bureau Reports Initial M & T Principal {>= $1,000,000} ( not {>= $1,000,000} ) Current M & T Principal Balance {>= $1,000,000} ( not XXXX ) Initial, M & T Monthly and Interest {$8900.00} and 3.0 % ( not {$10000.00}, 4.375 % ) Next M & T Monthly and Interest {$9300.00} and 3.5 %. ( not {$10000.00}, 4.375 % ) XX/XX/XXXX Payments Made 7+As Above ( not no payments made ) M & T Payments Made Late XX/XX/XXXX( not XX/XX/XXXX ) Percentage Loan Paid Off 1.25 % ( not negative 37 % ) Please let me know if I can provide additional information.
Thank you for your help Sincerely XXXX XXXX CC : XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX Attachments ( Via Upload ) 1. XXXX Loan Activity Shows XX/XX/XXXXto XX/XX/XXXX payments made 2. MTB Loan Details XX/XX/XXXX total interest and principal payments 3.XX/XX/XXXXXX/XX/XXXX M & T Customer Service Research 4. XX/XX/XXXX M & T QWR/Notice of Error 5.. XX/XX/XXXX Updated Revisions, M & T Based Revisions 6 .XX/XX/XXXX Revisions 7. XX/XX/XXXX QWR Follow up 8. XXXX Arrears Statement from XXXX XX/XX/XXXX showing XX/XX/XXXX first delinquency 9. FTC Advisory Later payments dont change Date of First Delinquency 10. FTC Advisory Loan transfer to new bank doesnt change date of first delinquency 11. XXXX Duplicate Shows 2 adverse XXXX accounts for same loan 12. FICO XXXX Shows duplication, no XX/XX/XXXX payments credited, reports post QWRs
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| 09/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My first unpleasant encounter with M & T Bank was on XX/XX/2023. I went into the XXXX XXXX, NJ branch to deposit a check into my business account. This is something periodically done whenever I receive a check for one of my clients. Upon entering the bank, I greeted a XXXX customer representative and asked him if I could speak with the branch manager. The reason that I asked to speak to the branch manager is because this is not the branch, I usually visit to make deposits, in addition to the check being a large amount, so I assumed there was a possibility that there would be some resistance. The XXXX customer representative identified himself and a manager in training and he said that he would be able to assist me. I explained to him that this is a check for one of my clients and that I always submit a signed and notarized power of attorney along with the check that authorized me to endorse the check and attorney in fact and make the deposit. He seemed confused about what I was doing, but he accepted my documents and said he would figure out what needs to be done. Shortly after that, he came back to me and explained that I would have to wait 10 days to make a deposit because this would need to be reviewed by upper management. I then explained to him that the authorization he is referring to is something that I had already completed in my home branch to be able to make deposits, which I now do on a regular basis. To deposit third party checks with M & T Bank, there needs to be a power of attorney signed and notarized by the payee and the bank will make copies and keep them on file for each deposit. Before making my first deposit, I had to wait at least 3 weeks to get the okay from risk management and then I had to sign an indemnification form for M & T Bank. The indemnification will ensure that if any fraudulent activity takes place on my account, then the bank will not be held liable or financially responsible. The manager in training asked me to give him a second so he could investigate my account and see if he could locate some documentation on my account. He then told me that my power of attorney was not on file and that I would have to wait 10 days. I explained to him that with each deposit I make I provide a power of attorney for that specific client which then the bank teller will make a copy and put it in their file with that deposit. He was still confused about the process, but he told me to give him a second while he investigated it. He asked the teller at the desk to open my account and she replied to him that she only saw a power of attorney for the first check I ever deposited. I then explained to her that that deposit has nothing to do with the deposit I am trying to make right now. She already was giving me an attitude from the minute that I walked in the bank and did not want to greet me at all. She then started saying that my power of attorney was missing the back page, insinuating that the document was not valid. I then explained to her that a power of attorney does not have to have 2 or more pages, it just needs to be signed and notarized. Her and I went back and forth a couple of times about that, so at this point I was being told again by the manager in training that I needed to wait 10 days to get a response from the department that handles these matters on whether I can deposit the check. After receiving much resistance and scrutiny on the validity of my documents, I then asked the manager in training to call the branch manager where I usually make deposits to confirm that this is something I regularly do. After asking him twice previously, he agreed to make a call to my home branch. He went into his office and was on the phone for about 5-10 minutes and then he came back to me and let me know that I was able to deposit the check. He then told the bank clerk to deposit the check. The expression on her face was the look of someone who was disappointed that I was allowed to deposit the check. I then asked her to print a cashier 's check in the name of my client so that they could be compensated. From that point on, her responses were very short and passive aggressive. Not once did I get out of character, but I knew there was a 50 % chance that I would go through what I went through, and not only because of the amount of the check, but the amount of the check that was in possession of a XXXX XXXX. I was professionally dressed, and I still received the resistance that most other XXXX customers of the bank receive all over the country.
On XX/XX/2023 I went to order a ride from the XXXX application and noticed that my business debit card would not be accepted as a payment. I tried to book the ride several times with my business debit card, but the request would not go through. Roughly about an hour later I attempted to use my debit card from my personal account at the ATM machine and there was an error message that kept saying my pin number was incorrect. My pin number is a number associated with my children 's birthdate, so I knew that I was using the correct pin. After trying to enter my pin number several times and receiving an error message each time, I decided to contact the bank. When I tried to reach out to the bank my calls would not go through at all. Every time I called the automated system would play the usual greeting and then the call would go blank without allowing me to choose any options. I called at least 4 different numbers listed for M & T Bank to try to get through. I tried to call the bank back about 40 minutes later and at that time I got through to a customer service representative. I asked the representative what was going on with my account and he notified me that there was a block placed on my account by the fraud department. I asked him what the reason was, and he explained to me that he could not see any details, so I asked to be transferred to the fraud department. Once I was transferred to the fraud department, I spoke to a representative who could not explain to me why the fraud department placed a block on my account. The representative said that he would make a request that the fraud department reach out to me. At XXXX on XX/XX/2023 I received a call from an individual who identified himself as XXXX XXXX . He said that he worked in the financial crimes department and that he was calling me to discuss my account. Before he spoke, I expressed my frustrations with my account being blocked and investigated without any valid reason. XXXX XXXX immediately began to scrutinize and critique my business model saying that my business was not " framed '' correctly. He immediately tried to discredit my business and eluded that I am operating in an unethical manner. He said that the service I am providing to customers is something they could do on their own for free. He said that I am " targeting '' my customers and if I have a profile for the customers that I am contacting and that I am being deceptive in nature. XXXX XXXX then began to try to discredit my business by insinuating that my contract for fee agreements and the power of attorney documents were not drafted correctly. I explained to him that I am acting as a third-party locator, which is completely legal in the state of New Jersey . The contracts for my fee agreements must disclose what the property type is, the value of the property, and where the funds or property are being held. The documents must also be acknowledged by a public notary. I then explained to him that my power of attorney meets the requirements of New Jersey because I had an attorney represent me in a case as an assignment from a client to release surplus funds. I was required to submit those same documents, meaning the fee agreement and power of attorney to my attorney to represent me in that case. It's safe to say that if anything illegal or incorrect was being done, the attorney would not have taken my case. I also explained to him that attorneys seek to locate clients the same way as an asset locator by obtaining a list from the Superior Court of New Jersey. This list is a public record and can be purchased for {$10.00}. He continued to try to discredit my business model and insinuate that I was engaging in something illegal and unethical. He stated that I am not an attorney and I told him that you don't have to be an attorney to be a third-party locator and to check the unclaimed property rule. My business is providing a service and none of my clients are forced to enter into a contract with me at all. At least 50 % of these prospective clients are not aware that they have money to collect. I began getting very frustrated because now I was being insulted and basically being called a criminal. XXXX XXXX could not tell me what crime I committed, what crime I was being charged with, what fraud was committed, and he never explained to me what the reason was that account was blocked. After going back and forth with him I told him I was no longer interested in doing business with this bank and to unblock my account immediately and that I would be filing a lawsuit. He said I was about to tell you that the bank is no longer interested in doing business with you at this point.
The reason my account was blocked was because a friend of mine who does the same business as me was being XXXX XXXX and discriminated against by the branch manager of M & T Bank in XXXX XXXX, NJ. He had been trying to deposit a check for over 30 days before he decided to take his check and deposit it at the branch in XXXX XXXX, NJ. Once he took his check to the XXXX XXXX, NJ branch, his check was deposited in 20 minutes without incident. I told him to let the branch manager know that he knew me and to give me a call if she needed me to vouch for him. They had no problem depositing his check because I have been doing business with this bank for a whole year without incident. The branch manager in XXXX XXXX, NJ got wind of the friend depositing his check and the request for his account to be serviced at XXXX XXXX. Obviously, he was upset and flagged his account for some kind of fraud or financial crime, so that same day on XX/XX/2023 he called me and told me that XXXX XXXX called him, and his account was blocked. I am in no way associated or legally tied to my friends business in any way, so based on them investigating his account they took it upon themselves to investigate my account. My account was blocked based on the suspicion of another business who was operating in its legal capacity, a business I am not way legally involved with or tied to. I have had my account at M & T Bank for almost a year without any incidents or complaints whatsoever. This is clearly discrimination because this would have not happened if I was not a XXXX XXXX. I have followed every procedure that the bank requires, and I have never had any fraudulent activity take place on my account. The documents necessary to make deposits are always provided when I make deposits and that is the policy for depositing third party checks with M & T Bank
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| 01/06/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof, for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent, attorney in XXXX, so be it ; Whereas, I of age, of majority, given this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be in, now present.
For matters of concerning mortgage account number with M & T Bank : 1. It is a fact, I the writer, reader, hearer, consumer, affiant acting executor for XXXX XXXX XXXX, come forth as XXXX XXXX. ; Whereas for this matter I will be Party A ; 2. It is a fact, any derivative for M & T BANK and/or XXXX XXXX XXXX XXXX, for this matter will be Party B 3. It is a fact that on XXXX ( day ), XXXX ( Month ), 2020 ( year ), I mailed by XXXX Next Day Carrier Letter via Tracking number XXXX, an Affidavit Of Tender Of Payment And Acknowledgement And Discharge, a formal settlement to Party B, whereas Party B has never responded under penalty of perjury that Party A owes and validity of a debt obligation or any actual true bill in commerce stating any further direct verification of an obligation of debt, by Party A.
4. It is a fact that on XXXX ( day ), XXXX XXXX Month ), 2020 XXXX year ), I mailed by XXXX 2nd Day Air Carrier letter via Tracking Number : XXXX, a Notice to Agent is Notice to Principle, Notice to Principe is Notice to Agent, a formal settlement to Party B, whereas Party B has never responded under penalty of perjury that Party A owes and validity of a debt obligation or any actual true bill in commerce stating any further direct verification of an obligation of debt, by Party A.
5. It is a fact that on XXXX ( day ), XXXX XXXX Month ), XXXX 2020 XXXX year ), I mailed by XXXX Next Day Carrier Letter via Tracking Number : XXXX, a Conditional Acceptance for Value for Proof of Claim, a formal settlement to Party B, whereas Party B has never responded under penalty of perjury that Party A owes and validity of a debt obligation or any actual true bill in commerce stating any further direct verification of an obligation of debt, by Party A.
6. It is a fact that on XXXX ( day ), XXXX XXXX Month ), 2020 XXXX year ), I mailed by certified mail : XXXX, a Second Invoice, a formal settlement to Party B, whereas Party B has never responded under penalty of perjury that Party A owes and validity of a debt obligation or any actual true bill in commerce stating any further direct verification of an obligation of debt, by Party A.
7. It is a fact that on XXXX ( day ), XXXX XXXX Month ), 2020 ( year ), I mailed by certified mail : XXXX, a Notice of Fault and Opportunity to Cure and Contest Acceptance, a formal settlement to Party B, whereas Party B has never responded under penalty of perjury that Party A owes and validity of a debt obligation or any actual true bill in commerce stating any further direct verification of an obligation of debt, by Party A.
8. It is a fact that on XXXX ( day ), XXXX XXXX Month ), 2020 XXXX year ), I mailed by certified mail : XXXX, a Notice of Default And XXXX XXXX, a formal settlement to Party B, whereas Party B has never responded under penalty of perjury that Party A owes and validity of a debt obligation or any actual true bill in commerce stating any further direct verification of an obligation of debt, by Party A.
9. It is a fact that on XXXX ( day ), XXXX ( Month ), 2020 ( year ), I mailed by certified mail : XXXX, a Affidavit : Certificate of Non Response and Failure to Contest Acceptance and Agreement, a formal settlement to Party B, whereas Party B has never responded under penalty of perjury that Party A owes and validity of a debt obligation or any actual true bill in commerce stating any further direct verification of an obligation of debt, by Party A.
10. It is a fact that on XXXX ( day ), XXXX XXXX Month ), 2020 XXXX year ), I mailed by certified mail : XXXX, a Affidavit of Fact, a formal settlement to Party B, whereas Party B has never responded under penalty of perjury that Party A owes and validity of a debt obligation or any actual true bill in commerce stating any further direct verification of an obligation of debt, by Party A.
11. It is a fact that I affiant acting as Executor Party A allege that if no one for Party B any derivative thereof can provide direct verification for any alleged debt obligation by Party A then no debt obligation exist and that I Party A request all obligation of any alleged debt be forgiven and that any and all credit reporting cease and desist as if no direct verification of debt obligation exist then no negative or unreasonable reporting needs to occur, as I Party A choose to protect my consumer rights as the acting executor, so be it, and ; 12. It is a fact that Affiant Party A, notices any and all actors or agencies alike, if no reasonable response by a real party of interest for any direct obligation of debt comes forth with a rebuttal and no reasonable investigation is performed and documented, then by prudent and responsive information that I Party A have provided, matters show cause in good faith that all matters with Party B cease to exist any further and that upon no valid rebuttal by real party of interest signing under penalty of perjury within 7 days of this mailing acknowledgement with having proof of mail receipt to any of my dispute letters does now show evidence of a tacit acquiescent agreement with and by all parties listed herein for the benefit of the original creditor, the grantor, original man, origin of credit by way of hand now here have evidence for the settling of all matters and actions of construction nunc pro tunc, meaning now for then for this matter of account will be now closed for any further accounting, I as the elector for name on record notice all that this be a closed matter for proceeding ; Whereas upon no written response under penalty of perjury matters are now settled and evidence will be recorded for proof of claim by Party A over Party B.
The following will no longer use the Party A and Party B designation.
Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, M & B Bank & XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( 2 ) not state that such consumer owes any debt ; ) Fact, M & B Bank & XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication related to the collection of a debt ; and ) Fact, M & B Bank & XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- ) Fact, M & B Bank & XXXX XXXX XXXX XXXX XXXX willfully in violation of title 15 U.S.C. 1692d ( ( 2 ) The use of obscene or profane language the natural consequence of which is to abuse the hearer or reader. ) Fact, M & B Bank & XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d on ( 50 ) separate occasions ( ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ) Fact, M & B Bank & XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692e ( 2 ) The False representation of ( A ) the character, amount, or legal status of any debt ; Fact, M & B Bank & XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( a ) It is unlawful to design, compile, furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ) Fact, M & B Bank & XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as the debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. ) 15 U.S.C. 1692k ( ( a ) Amount of Damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ) Fact, affiant is aware that M & B Bank & XXXX XXXX XXXX XXXX has at least ( 10 ) ten violations of title 15 U.S.C. 1692 Please take further notice that I am compelled to pursue potential legal action against you seeking injunctive relief, substantial monetary damages, includes but not limited to, special, punitive, and compensatory damages, attorneys fees and all additional remedies, relief and penalties by law or in equity, to the fullest extent permitted by the law. The foregoing is submitted without prejudice and with full reservation of all rights and remedies irrespective of whether they are stated herein.
Thanks You, I swear to all information provided herein, I do so under penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ;
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| 05/15/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Below ( redacted ) is what I sent to M & T bank. ( In short, M & T gave POD money left to me to someone else ). Their process after receiving this letter was to have a person who 'volunteered " to take on my complaint, XXXX XXXX XXXX reach out personally to me. After him calling me at XXXX one morning and multiple phone tags. I spoke with him. 1 ) Dude hadn't even READ my letter ( below ). 2 ) Asked me multiple times what I wanted, I directed him to the letter again that he didn't read, XXXX ) Dude Called me back with some ridiculous offer without even asking about my expenses and it seemed clear he still hadn't read my letter so I sent it to him and he said he'd get back to me before the end of the week. THAT WAS XX/XX/XXXX. I never heard back from him but I did receive an apology voicemail from corporate and to reach back out to them as the people who messed the bleep up couldn't be bothered apparently to make me whole. I just feel like the managers at the brick and mortar stores and doing a lot of XXXX for each other and refusing to acknowledge how much I was WRONGED in this situation. If I had not personally reached out to corporate, if I had not had my own fund to pursue going above and beyond to prove I was wronged, nothing, I still be out everything!!!! After several months I am still so infuriated at the behavior of M & T banks in PA and DE, that I just had to let it go for a bit so I could come back in a better head space to move forward.
To Whom it May Concern at M & T Customer Service, If this had happened to anyone but me, I would think that person was a liar or exaggerating wildly. How is it even possible that POD funds did not go to the person listed on the account as POD? I am not lying or exaggerating, and I can prove it. Please find attached a detailed timeline with names and dates.
In short, an M & T bank location gave POD ( payable on death ) money, left to me, to the wrong person, my cousin XXXX. I spent considerable time and sums to correct the situation including flying from XXXX to XXXX XXXX, because I was directly told that I had to appear in person to discuss the bank error and that in person was literally my ONLY option. The situation was proven to be 100 % the fault of M & T bank employees and 0 % my error.
A bit longer but still a shortened version, An M & T bank location ( XXXX, PA ) gave POD ( payable on death ) money to a person who was not listed as POD. The XXXX bank location ( XXXX, DE ) told me repeatedly that I needed to appear in person at an M & T bank before I could have a conversation about what happened, or discuss possible recovery of the funds. Neither I, nor people from the M & T XXXX number could convince the home bank ( Delaware ) to consider remote identification validation using notary. I was directly told that my distance from an M & T location ( I live in Nebraska ), that the existence of a covid peak and that there was a precedent and procedure for remote was irrelevant. The home M & T location ( XXXX, DE ) just kept repeating that they could not help me and I needed to come into a bank location because until then they could not help me even though I lived across country.
Shortly thereafter, I flew LITERALLY halfway across the country, paid out of my pocket. It took XXXX days, multiple people, and a lot of headaches to get the M & T error straightened out. The situation was found to be 100 % XXXX & XXXX fault. 0 % my fault. M & T employees ( Pennsylvania and XXXX ) did not follow procedures on multiple counts. After many conversations and a XXXX trip to a physical M & T bank location, I received the M & T POD funds by mail, at my home in Nebraska, XXXX weeks later. During that time the bank where I resolved the issue, in person, ( XXXX, VA ) regional XXXX was looking into how and if I could be reimbursed for my quite reasonable travel expenses. It took him over a month to relay that I needed to call the XXXX M & T number again because the people at the XXXX number would have to assist me because there was nothing future he could accomplish.
I called the M & T XXXX number and told this lengthy ridiculousness a nice gentleman ; the gentleman put me on hold to talk to supervisor. At some point into the lengthy hold, I was transferred to an even nicer M & T employee, who had no idea of anything, she was not a supervisor, just a random new M & T employee who picked up the line. She told me to send a detailed letter via snail mail to this address.
Multiple times during this process I have wanted to scream and throw things. This is NOT how someone should be treated after the death of a loved one.
Lastly, I have zero proof that my cousin, XXX XXX, did anything wrong. In the meantime, my cousin continues to slander my name by telling everyone who will listen that I went against my grandmothers wishes and that I, the victim, stole the M & T account money ( and other funds ) that our grandmother left. I have no proof to the contrary. ( I have been ostracized by the family. ) If this had happened to anyone but me, I would think that person was a liar or exaggerating wildly. How is even possible that POD funds did not go to the person listed on the account as POD? I am not lying or exaggerating, and I can prove it. Please call me to discuss.
Addendum 1 : XXXX XXXX XXXX XXXX, XXXX XXXX passed away with me in XXXX.
Account info on next page.
XXXX XXXX XXXX I called the M & T XXXX bank ( XXXX, DE ) and was told that I was the POD on the account, and told the wrong information as to what I had to do as a POD to collect the funds ( wills, court orders etc ). I had teller check with her XXXX, XXXX XXXX, since of course a will etc is irrelevant for a P.O.D. XXXX corrected the incorrect information, and I was told to what I needed to send.
XXXX XXXX XXXX Account closed and emptied.
XX/XX/XXXX I find out that the account is closed and emptied. I suspect my cousin, NOT the POD, withdrew the funds on XX/XX/XXXX.
XX/XX/XXXX I called XXXX M & T number. That person said I needed to talk to home M & T ( XXXX, DE ) and gave me the number and XXXX name. XXXX name was the same person I referenced on XXXX XXXX, XXXX, XXXX XXXX.
Same date I called the XXXX bank M & T ( XXXX, DE ) and was told repeatedly that they could not help me and that MY ONLY OPTION to prove my identity as P.O.D. and speak further with me about this issue was for me to travel to an M & T branch as proving my identity was impossible by phone or notary. I directly pointed to the fact that given XXXX bank physical location closures that there much be an applicable process and procedure in place for remote. I was literally told, for the 10th or more time, that M & T ( XXXX, DE ) would not help me unless I appeared in person at an M & T branch. When I pointed out yet again that I live over a thousand miles away, the directive to appear in person was repeated. I could not believe this was the correct and only answer so I called the M & T XXXX number back.
Same date I called the XXXX M & T number back and I explained the situation ( yet again ) this time to a very lovely woman including that the home bank wouldnt budge and surely there must be another way. The wonderful woman said it was ultimately up to the home M & T bank location XXXX that the XXXX M & T employee would call and see if something else was possible. The lovely woman put me on hold and came back to say that the home M & T bank said they had already talked to me and told me that I had to come into a bank location despite my location. The lovely XXXX woman was amazing and helped me find the closest location to be which was several states away from [ where I live ]. I make plans to travel to Washington DC because I know that city well and it was a direct flight XX/XX/XXXX Before I left home, I called my grandmothers M & T XXXX XXXX location again to ask them to confirm that I had everything that I would need at the back in DC and to ask if they would give the bank a heads up call. The really lovely woman who answered the phone said her XXXX, XXXX XXXX, was in a meeting but that she, the woman who answered the phone, would leave her XXXX. XXXX XXXX, a note for the XXXX to call me back as I had some time before I had to leave for my flight. XXXX XXXX did not call the DC bank or me. Never heard back from her. I called twice that day.
Same Day I drove from [ XXXX XXXX to another XXXX XXXX ] took a direct flight to DC and went to the closest bank that had the latest open hours because I figured it would take a while. I spent ALL afternoon at the DC area M & T bank in XXXX while the AMAZING woman tried to figure out what happened and why the heck Id had to fly instead of remote during a COVID surge. Did I mention that I was in a walking boot from a stress fracture in my second metatarsal? XXXX XXXX can verify. We spent HOURS, I was there until the bank closed and it was clear that I would probably be needed to be in person at the bank the next day, so I got a hotel room near the airport and didnt leave the hotel at all due to COVID surge.
XX/XX/XXXX The day that would have been my grandmothers XXXX birthday Same Day I returned to the M & T to sign paperwork and get a few things notarized.
Same Day I sent an email to the DC area location that had so wonderfully assisted me and also asked verbally about my travel expenses being reimbursed. They said they would investigate.
XXXX XXXX XXXX The DC area branch got back to me and told me they could not help and that I should call the XXXX M & T number to find our who could help me.
XXXX XXXX XXXX I called the XXXX M & T number and told gave the short version of the story. I was put on hold for a long time and at some point a new person answered and I had tell this long bleeping story again and the awesome lady gave me this snail mail address.
XX/XX/XXXX Finalized Letter and timeline. Addressed and mailed.
[ the interactions with XXXX XXXX happened a few weeks later, I'm still feeling disrespected and XXXX did not help that feeling at all. ]
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| 06/20/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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Re : M & T Bank HELOC Loan HARP Loan Modification Wrongful and Intentional Denial Complaint of Unfair Practices with Malicious and Intentional Actions to Foreclose To Whom it may Concern : Please accept this letter and the attached documentation to the Consumer Finance Protection Bureau as an official complaint against M & T Bank for wrongfully and intentionally denying me a HAMP loan modification and refusing to offer me any other options in order to expedite a foreclosure of our home located at in XXXX, VA.
Based upon the conditions in order to qualify for a HAMP Loan Modification, the following supports my qualification for a HAMP Loan Modification : a ) After over three years of being unemployed, liquidating and utilizing all my financial assets for living expenses and filing for personal bankruptcy in XX/XX/XXXX and falling behind more than 3 monthly mortgage payments on both the first and second mortgages, clearly this satisfies the hardship requirement to qualify for a HAMP Loan Modification.
b ) I provided paystubs from employment beginning in XX/XX/XXXX to support a modified payment.
On XX/XX/XXXX, M & T sent me a letter of denial of loan modification stating that your income shows you can support your current mortgage payment. The letter also said that if I was interested in additional options for my property to call the M & Ts Homeowner Assistance Center at XXXX. The letter is attached as part of this complaint.
The following history and facts provide proof that M & T had no intention of approving me for a HAMP Loan Modification. Clearly, it is M & T Banks intention to force me into a foreclosure. Their actions support their unfair practice of dual tracking, pursuing foreclosure at the same time they are acting like they are considering you for a loan modification and once they deny your application, the 30 day wait period begins and they will take foreclosure action immediately.
Immediately after receiving the denial letter, I called their Homeowner Assistance Center on XX/XX/XXXX and they could not find my file or loan. I called three times and spoke with XXXX at ext XXXX. During both of the first 2 calls, she said she could not find my file after providing both my social security number and loan ID number and would place me on hold. Both times, I had thought she was trying to transfer me to another department but each time she disconnected the call but no call back from her. The third time I called, I asked to speak with a manager and was placed on hold for a long time and then disconnected. Again, no call back. M & T had no intention on assisting with other options other than foreclosure.
Prior to my Chapter XXXX bankruptcy dismissal on XX/XX/XXXX : a ) M & T filed a motion of relief from automatic stay on XX/XX/XXXX. The motion requested the bankruptcy court to permit the foreclosure process to begin. M & T stated that due to the bankruptcy, the loan terms changed from an interest only loan to a principal plus interest loan. M & T, required by bankruptcy law to communicate all actions or changes of the loan terms with my lawyer, made no attempt to communicate this with my lawyer before filing the motion with the court. Therefore, I was required to find several personal sources to lend me money to have the motion withdrawn. M & T retroactively required principal and interest in the amount of {$4500.00}. {$3000.00} was paid on XX/XX/XXXX and the remaining {$1500.00} on XX/XX/XXXX. They also knew that based upon my situation, it would be extremely difficult to come up with a lump sum of cash in that amount and their intent was to foreclose. They also refused a loan modification at that time because I was still unemployed.
b ) Once the bankruptcy was dismissed on XX/XX/XXXX, I contacted M & T Loss Mitigation groups several times to discuss a loan modification. They continued to tell me that they were unable to speak with me directly due to bankruptcy laws and could only communicate to my lawyer. Unfortunately, my lawyer charges $ XXXX/hr and coming out of bankruptcy, I could not keep incurring legal fees.
c ) I contacted M & T Loss Mitigation on XX/XX/XXXX and finally was able to speak ( they confirmed the XX/XX/XXXX discharge and agreed to have direct communication with me ) with XXXX to let them know I found employment and would resume payments and told them I would pay {$500.00} every 2 weeks to begin catching up and also would like to negotiate a loan modification. He could only inform me that a lump sum was due immediately and the loan was in foreclosure status. He did tell me to contact my account rep, who was XXXX and gave me her direct phone number of XXXX x XXXX. I immediately called her on XX/XX/XXXX but spoke with XXXX. I told XXXX I was calling to discuss loan medication to stop the foreclosure proceedings. She gave XXXX the message and XXXX later called me back to inform me that she was sending me a loan modification application.
d ) I informed XXXX that XXXX, who is the primary mortgage lender on the home, spoke with me on XX/XX/XXXX and agreed to a loan modification over a 15 minute phone conversation and provided a fixed 4.5 % rate but required 3 on time payments in order for the loan modification terms to take effect. Her response was that M & T took a more thorough approach to approving a loan modification. I responded by saying that a bankruptcy discharge just took place and M & T was privy to all the documents and information regarding the bankruptcy, so a loan modification should be quite easy and quick as financial hardship was evident. She did not respond.
e ) I completed a very lengthy application requiring bank statements and sent it to M & T on XX/XX/XXXX. M & T responded to me on XX/XX/XXXX by letter that requested additional bank statements which was my daughters college bank account with very small amount and my wifes account, which also had a very small amount.
When I started working a contract accounting job in late XXXX, I contacted M & T Bank and told them I will begin sending payments of {$500.00} every two weeks along with filing for a loan modification. To date, I have submitted {$2700.00} to M & T Bank beginning XX/XX/XXXX. To date, they have cashed all 5 checks and have returned {$1500.00} back to me stating that they are unable to accept further payment. I have called the XXXX noted on their letters and have spoken with XXXX XXXX several times. His direct number is XXXX. I first called him on XX/XX/XXXX.
We spoke several times during the loan modification application evaluation period as I wanted to know why it was taking M & T so long to arrive at a decision. He informed me that the loan officer had 30 days to make a decision on the loan and it was due on XX/XX/XXXX. I told him several times that the hardship qualification was clearly met because I just had a bankruptcy discharge on XX/XX/XXXX. I told him since my discharge just occurred, the decision-making process should be very easy and straight forward. I also told him that I felt as though M & Ts intention was to ultimately foreclose and that is why they were returning my payments made over the past 2 months.
On XX/XX/XXXX, XXXX XXXX assured me that that was not the banks intention. I asked to speak with the person who was reviewing the loan modification application and he said he would have that person call me to discuss the application. That loan application officer never called me back. I also informed him that I left messages with XXXX, my account rep, and she never returns any of my calls either. XXXX XXXX stated that M & T is a very large bank and he is not responsible for other departments returning phone calls to me.
Overall, XXXX XXXX never provided me with any other options for a loan modification. I again called him when I received the loan modification denial and he had no response for me other than to tell me I needed to pay a lump sum of approximately {$3900.00} to avoid foreclosure.
I told him that M & T intentionally denied my loan modification and strung me along with the clear intention of proceeding with foreclosure. I told him that I was going to file a complaint with the CFPB immediately.
To close, I have made an earnest attempt to start making payments once employed. M & T has clearly refused to assist in providing me with a HARP Loan modification even though I have met the requirements. I can only hope that the CFPB intervenes in this unfair practice in which M & T intends to foreclose on my home. As stated before, XXXX accepted a loan modification over a 15 minute phone call back in XXXX. My request in this complaint is for the CFPB to stop the foreclosure process immediately and have M & T provide a fair loan modification for this delinquent loan.
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| 10/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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Good morning, I've been with M @ XXXX Bank since XXXX, an I was told by the Car dealership... ( XXXX XXXX, XXXX XXXX XXXX in XXXX, where I got the vehicle from. They told me that the XXXX car I got from them which was A XXXX XXXX, to bring it back in because it had a recall on it, so I was supposed to be trading it in for a Better vehicle which was the XXXX XXXX that I have now, but the problem is the didn't disclose certain rights I have as a consumer, an they didn't add my trade -in of my other vehicle the XXXX XXXX my XXXX XXXX an I had to give up some money when I had a trade in of less than a year, I shouldn't had to pay anything, they also informed me that my insurance would be included in the finance charge, but I pay insurance separately... I pay XXXX a month for this vehicle which way to expensive fur that vehicle an it was more than a XXXX owner, I was told it was only XXXX owner before me, u never received a XXXX XXXX the dealership, an they let the warranty my vehicle expire, because they didn't wan na honor fixing an issues on my car when they have a shop that fix cars there, an I got it from there, they keep telling me a got a Auto.loan, I never received a Auto loan, it was a INSTALLMENT AGREEMENT, NOT A LOAN, because the Dealership got paid already, an I was told a bunch of lies, they told me that my payment every month will go by my income, an an according to how much i pay in rent as well is all in consideration, I'm paying more for the vehicle than I am in Rent, an my Insurance is also Sky high at XXXX a month. An my rent is Only {$350.00} a month ..this is becoming overwhelming for me because I was sold a car under false malfeasance, an I made repairs to this vehicle that should have been done under the warranty of the vehicle, I call M @ XXXX Bank XXXX they're the loan holders to ask for a hardship an to send me my loan installment agreement to go over myself I got neither from them, I ask to refinance my vehicle, they didn't XXXX me that when I was told by the dealership that M @ XXXX bank was going to Lower my Rates after 1 years, I had the vehicle XXXX years an the rates are still the same an going up, especially the interest rate is out the roof, XXXX is is my second vehicle from them an the XXXX was no good, but I made modifications to this vehicle because I need for work, it's hard for me to maintain the vehicle because the M @ XXXX Bank won't help me lower my payments as agreed, an the dealership won't take my calls because they know they're doing shady business to consumers because they Kno we don't know our consumer rights, the way we supposed to, but I'm starting to.learn mines an I see numerous errors, I'm getting harassing debt collector calls from M @ XXXX Bank XXXX XXXX late payment when i informed them of the identity theft, an then issues with them not honoring their agreement of lowering my payments to a reasonable amount so that i can keep my vehicle, I can't afford to buy anything else at this time, I have NOMORE money it's wrap up in these unrealistic payments every month, i paid it thinking they were going to reach out to me when my year was up, so that I can continue to make on time payments to keep my credit correct, but they didn't honor it, it messed my credit up, I went from a XXXX to a XXXX due to their negligence an negative finance reporting, illegal consumer tactics an words they're using to persuade consumers their getting a deal when actually the consumer is getting more in debt, under false pretenses, an that's unlawful an wrong, I've been paying M @ T constantly fur XXXX an a half year 's untill i realized they wasn't helping me out with lowering my payments as agreed, this is like a con XXXX game they play an 90 % if the consumer doesn't realize it until its too late, XXXX a regular person, a natural person, I've been conned of out all my money by M @ XXXX Bank XXXX XXXX when i reach out to them in my time of hardship i was denied help, an i didn't receive my XXXX agreement in the Mail as of yet as the young lady promised I will receive it, but I'm still getting, harassing, menacing phone calls from M @ XXXX Bank XXXX XXXX fir payment, which that is unlawful as well, an against the consumer rights as well, by them nit sending me my loan installment, I which I have a right to look at, I haven't received that either, because their hiding something, or trying to cover up their mistakes, an this is a illegal that they're doing to me an other consumers who don't realize this is being done, all of these things are supposed to be in my installment agreement, an it's not, they added what they wanted to add or the away in order to fulfill their own pockets of payment, the dealership ROCKAWAY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i purchased the vehicle with a trade in vehicle which was never added to the purchasing of the vehicle I have now, an the dealership was adding mad inquiries from different banks on my credit report which is illegal too, because every INQUIRY is a TRANSACTION, so every time they did it, somebody got paid off of me, but I'm always getting denied for whatever it is that i need done to help me, that's very very wrong, how can they get paid am I get denied, but they're using my information to do so. Now they want me to pay all this money knowing I disclose the identity theft to them the data Breach situation, an the fact that they were supposed to honor the agreement an lower my payments according to me what I make none of this was done, they out orn price an split up the money between each other, or something going on... now I'm having a difficult time paying this off because of all this False malfeasance by both Companies M XXXX XXXX BANK XXXX XXXX XXXX DEALERSHIP IN XXXX XXXX XXXX XXXX XXXX ... Every time I call I get rejected or hung up on, what kind of businesses are these, this is not fair, I am a Natural person, a Regular person with a Family I must support as well as try to keep my vehicle, I put money into this vehicle when I wasn't supposed to, that what the warranty was for, they didn't honor that either telling me to go to the XXXX dealer, they can't help me but they sold me the car, the XXXX dealership didn't sell me the car, XXXX XXXX DEALERSHIP Did ... about as I realized what was going on, my warranty was expired, an I had to fix things with a guy I know because I can't afford the XXXX prices which is way to high for this year of a vehicle, it's XXXX that are XXXX an they Rates aren't as high as mines an I'm XXXX, this is Unfair Practicing their doing, scamming people out of their money, then take their vehicle from them down XXXX XXXX, an XXXX trying to.prevent that in my case, because i did alot of reaching out to them to help me with no success,. I would like to RESCIND ON THE LOAN INSTALLMENT, BECAUSE ITS UNDER FALSE MALFEASANCE, NUMEROUS CONSUMER VIOLATIONS, An being I had to come out of pocket, even though I had a warranty in place that wasn't honored, I had to spend alot of money for issues they were supposed to take care of not me, I didn't get a title to the car, nor did I receive a XXXX, Nor did I receive a copy of my actual agreement with M @ XXXX Bank, i just get no response or XXXX on hold for a long time then they hang up on me. That's Bad business, an I'm paying them every month for this type of service, they're supposed to be helping me, but they're helping each other, the Dealership helps M @ XXXX Bank, an they're both scamming me, an this is Totally illegal, there's no such thing as a AUTO LOAN, ITS ONLY AN INSTALLMENT AGREEMENT, but the keep telling me I got a LOAN, which I never received, a LOAN is FROM M @ XXXX Bank to me, not a Third party, so i actually didn't receive any loan, I'm just stuck with it, because of tricky words, an consumer fraud tactics to keep me stuck in this Loan installment which got my credit all messed up, an I had Great credit before I went to them for a vehicle an they hooked me up with this Bank. It's not fair to me, how am I supposed to survive the interest is out the roof with this Bank, an the Dealership knew this before getting me involved with them. Please can u help me, this is Unfair financial reporting an I would like my payments returned to me, I've sent them paperwork requesting what I want with no response, but debt XXXX from M @ T keep calling me, harassing menacing phone calls, threatening to REPOSSESSED MY VEHICLE WHICH IS ILLEGAL AS WELL.
|
| 10/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Below is a copy of the Notice of Error sent to M & T Bank : XX/XX/XXXX To : M & T Bank c/o M & T Bank-Mortgage Payoffs XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, MD XXXX From : *name and address* NOTICE OF ERROR XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : **** I am writing to request correction of the error described below in regard to the mortgage on my property at *property address*.
Enclosed is a copy of the response from you, M & T Bank, to the XX/XX/XXXX request for payoff figures, sent to third party, XX/XX/XXXX, with a copy received by me via USPS today, XX/XX/XXXX.
Escrow Errors : On Pg. 3 of the enclosed document under the ESCROW section is stated as follows : According to our records, listed below are your next tax and/or insurance items to be paid : {$780.00} XX/XX/XXXX HUD-risk Based Ins Prem {$1100.00}XX/XX/XXXX XXXX County {$1.00} XXXX XXXX XXXX The HUD-risk Based Ins Prem item for {$780.00} is the error that needs to be corrected.
The above outlined error is Force-Placed Insurance, which under the guidelines of Federal Law, you have no right to impart on this account. Under Federal Law, the servicer must reasonably believe that the borrower has failed to maintain insurance coverage on the home before purchasing a Force-Placed Insurance policy. Furthermore, under Federal Law, the servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. The servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ).
You have followed none of the above outlined Federal Law requirements for Force-Placed Insurance.
The enclosed Response to theXX/XX/XXXX request for Payoff is the first document that states the cost of the Force-Placed Insurance. No previous notice with the cost or a reasonable estimate was provided prior to this Payoff letter, as is required by Federal Law.
Insurance coverage on my property has remained the same for the past 14 years, renewing each year in XXXX, with a renewal Certificate of Insurance provided by my insurance agent via fax to the mortgage service provider at the time of renewal each year. There has been no lapse in coverage, non-payment, cancellation or expiration of coverage during the last 14 year period, leaving no reason for the lender to believe I as the borrow have failed to maintain insurance coverage before purchasing Force-Placed Insurance as stated by Federal Law.
I have submitted evidence of coverage multiple times to M & T Bank over the last several months, using various methods of communication. The insurance agent has faxed a copy of the Certificate of Insurance multiple times, I have uploaded a copy on the website more times than I can count, and I have even mailed a copy via USPS.
Due to the egregious violation of Federal Law with the Force-Placed Insurance applied to my account, I will be submitting a copy of this Notice of Error with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), and I do expect a response on this matter from M & T Bank.
*************************************************************************************************** I would like to add that I am in the process of refinance with a new mortgage lender provider and that the payoff of the loan with M & T Bank will occur within the next few days. However, as this is an ongoing issue with M & T Bank over the course of many months, beginning in XX/XX/XXXX and continuing to the present, with threatening letters and the addition, and then the subsequent removal of Force-Placed Insurance on my account, I am requesting intervention.
I have carried insurance on my property for the past 14 years since original purchase that has not lapsed, been cancelled, expired, or changed. Evidence of this coverage has been sent to the various lenders over the last 14 years, including M & T Bank. I have had two loans with M & T Bank, leading to a refinance of one M & T Bank loan to the current M & T Bank loan in XXXX. During the last 14 year period, covering the span of two loans with M & T Bank, there has never been an issue with insurance coverage, with either M & T Bank or any of the previous lenders. My new mortgage provider, XX/XX/XXXX, scheduled to close this week, has verified and confirmed my insurance coverage with no issue, which is the exact same insurance coverage that has been provided to M & T Bank time and time again over the course of the last few months.
I have received several notices from M & T Bank stating that my insurance coverage has expired or been cancelled and threatening to add the Force-Placed Insurance if I do not provide evidence of coverage. These threats began only this year, XXXX, the first of which occured in XX/XX/XXXX, although there have been no changes to my insurance over the course of two loans with M & T Bank, the current loan dating back to XX/XX/XXXX. Each time, my insurance agent faxes the certificate of insurance, I upload a copy to the website provided in the letter, and I have even gone so far as to mail a physical copy. I then receive notification that the coverage has been accepted, and the Force-Placed Insurance will be removed. A few weeks later another threatening letter arrives stating the insurance has expired or been cancelled, and they cycle continues.
Obviously, this is some pathetic employee at M & T Bank trying to justify their position during the Covid-19 pandemic, but I HAVE HAD ENOUGH. I became so frustrated with the never ending cycling of verifying insurance coverage, that I chose to refinance through a completely different lender and sever all ties with M & T Bank.
My last communication from M & T Bank was in XX/XX/XXXX, another letter stating insurance has expired or been cancelled. I had just provided an updated copy of my XXXX in XX/XX/XXXX, as did my insurance agent, via multiple methods of communication, as the policy renews in XXXX each year. At this point, my insurance agent will not even fax another copy to M & T Bank as she has done so repeatedly and they do not stop requesting. She has stated the dates she has faxed the policy, and the renewal and will no longer entertain this nonsense, and I can not blame her for that. I uploaded copies to the website and put a copy in the mail and thought that would be the end of it, since I am refinancing with a new lender anyway.
I then received the copy of the Payoff which was requested by XX/XX/XXXX on XX/XX/XXXX. My copy arrived via USPS on XX/XX/XXXX. On the Payoff letter is a charge for Force-Placed Insurance in the amount of {$780.00} to be charged from my Escrow account on XX/XX/XXXX.
M & T Bank has violated several Federal Laws regarding Force-Placed Insurance with this Payoff statement, as outlined in the Notice of Error I sent to them.
In addition to the countless times and various methods I have sent evidence of continued insurance coverage to M & T Bank, XX/XX/XXXX has also verified and confirmed the coverage in order to proceed with my refinance. There is NO QUESTION here as to my insurance coverage, and M & T Bank is completely out of line and in violation of Federal Law for adding the Force-Placed Insurance to my account.
I fully expect my loan with M & T Bank to be paid in full by the new mortgage service provider,XX/XX/XXXX, before the charge listed on the Payoff statement can be processed on XX/XX/XXXX. However, as the charge would be paid from my Escrow account, of which the balance is to transfer to the new loan as funds for payment of property taxes, I am taking no chances with M & T Bank fraudulently withholding funds from my Escrow account to pay for Force-Placed Insurance that I do not require, and I am requesting a review of this matter with you, the Consumer Financial Protection Bureau.
M & T Bank is a disgrace to the hard-working American consumer and should be punished accordingly for their flagrant disregard for Federal Law.
Thank you for your time and attention to this matter.
|
| 10/20/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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M & t Bank arbitrarily pulled {$1200.00} out of our account for no reason they refunded fees the last time we had to file a complaint from them charging exorbitant fees that were unwarranted they refunded part of those fees not the entire amount but we accepted it as it were and just made do. Now they have taken that money back out of our account without warning and without permission causing our account to overdraft and piling up these that are absolutely absurd. We were not made aware of any type of action like this nor have heard of anything of this sort ever happening we've never had anything like this happen and had we known we would have fought it tooth and nail from the beginning because it's unjust and not right. We are going to lose our house as my wife lost her job from covid and got back to work we got back on our feet and M & t just pulls the rug out from under us again because apparently being up 31 % in revenue up 90 % in income and up 44 % profit is more important to M & t than their customers financial health. M & t has enriched themselves upon the backs of the people that can least afford it they are actively driving people into poverty they have done this repeatedly to us we have been account holders for 20 years we make regular deposits into the account every other week we've never done anything nefarious or underhanded aside from just try to get by and at every turn M & t has taking it upon themselves to illegally in a morally charges fees when none were warranted. I can't count the times that I've made a deposit only to incur fees the next day from things that were presented that M & t had one excuse or another as to why my deposits did not post it is ongoing it is unfair and it is unjust. Because of this immoral and unscrupulous behavior we are in the brink of losing our USDA backed home. We have a XXXX XXXX son and a daughter and we are literally going to be living in our XXXX because of M & t Bank. There was no need for them to do this there was no call for it there was no justification in fact we have the account set up so that nothing can come out if the money is not in there so why is it acceptable for M & t to pull {$1200.00} from our account without our permission without warning us without saying anything there was no justification had they mentioned it I would have fought it tooth and nail because it's not right and it's not anything that is warranted. I've never asked them for anything besides the fees that they charge back because their fees cause us to overdraft again and those fees cause additional fees and it's not right as they can just arbitrarily charge fees on top of fees taking thousands of dollars out of our account without any recourse. In the 20 years we've been with them we have paid literally thousands and thousands of dollars in Bank fees from M & t they have never done anything for us as customers besides charges at every turn no matter what it has been there's never been any offer of assistance in any way. We have applied for overdraft protection multiple times to be turned down we have applied for loans we have been turned down for those we have loans through other banks that M & t would not underwrite because they only want us there to take money out of our account to pad their bottom line. This needs to be reversed immediately we have our direct deposits coming from both of our employers this weekend and we will still be in a negative balance without the ability to pay our electric bill our water bill or our mortgage because of m & t 's agreed and despicable business practices. I would have never believed a company would treat a customer this way but here we are with M & t it is over and over and over again. There is no reason for any of this to happen aside from M & t wanting to maximize profits without any care for the number of lives they affect they are actively willfully and knowingly driving working class people into poverty and there's no recourse what do we do when the bank refuses to give you your money back they have fought us at every turn this is just been a complete and utter nightmare with everything going on in covid and having to face unemployment as we did we still thought we would get by. Have we been with any other bank I think we would have been fine but because it was M & t they intentionally post things in an order so as to him customers will directly incur fees I've seen it multiple times they were taken to court about it there was a class action lawsuit which didn't change their business practices. It is not just the fact that they post things incorrectly it's not just the fact that they have charged me fees when the money has been in my account and they just chalk it up to a mistake those are what I've caught there's been multiple times I haven't even bothered calling because it wasn't worth it this money that they've taken out of our account should not have come out it was not authorized if we did not approve it we did not agree to it they basically pulled {$1200.00} from our account for no other reason than to force us to pay hundreds and hundreds of dollars in fees because we will have a deposit hitting. I take it they saw study deposits coming in and decided they could make a bunch of fees if they just tried to charge back money that they had refunded to begin with because of their nefarious practices. If it weren't for the fact that we had tried to get the overdraft protections multiple times if it weren't for the fact that the fees that they charge or exorbitant and they charge fees that drain the account and those fees ultimately cause additional fees and they cause additional fees it just snowballs every time they begin doing this and they continue to do it unfettered without any type of accountability it is unjust and unfair and I can not abide it I can not allow my home to be foreclosed on because of our bank that we have done nothing but show loyalty to for two decades yet the only thanks we get is them causing our financial devastation. The bank should not be able to withdraw money causing additional overdrafts on the account and we are left on the literal brink of homelessness. All the while m & t 's margins increase and their stock price rises seemingly solely because of they're seeming efforts to actively drive working class customers into poverty I understand that it is beneficial for the masses to have as little as possible that way the corporations and the people profiting off of misery can keep a stronger hold. But this is not just it is immoral it is directly contrary to everything that America stands for. I know that my family didn't serve their country and sacrifice all that has been sacrificed so that corporations are protected in causing irreparable harm to American citizens. In fact I asked my younger brother who's a XXXX XXXX XXXX in the XXXX if that's what he had given up the majority of his adult life for he was incense over the fact that an American company could treat a loyal customer that way. A brand new customer shouldn't get that sort of treatment let alone somebody that has been with your company for 20 years this is absolutely ridiculous and I don't like people knowing our business but this needs to change and stop we should not be tasked with increasing your profit margins with no recourse. These business practices would not be acceptable in XXXX or XXXX let alone in the United States of America yet M & t continues to actively and knowingly harm people for no reason aside from their own corporate greed.
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| 08/06/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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I received a personal check in the amount of {$100.00} as a birthday gift. I deposited the check into my M & T checking account via ATM on XX/XX/20. A few days later I received a letter dated XX/XX/20 that stated, Dear customer, your account xxxxxxxx has been charged for the total value of the of the following items which were deposited and subsequently returned for the reasons below. Please note that any service charges incurred are listed above for your reference. If you have any questions please contact your relationship manager or call XXXX at the phone number listed above.
This showed that the check I had deposited was rejected. They included a legal copy of the check, which was hard to distinguish from a regular paper copy. After looking it all over I saw that M & T had cut off the last digit of the routing number on the check on their end, even though the routing number was clearly visible on the check and the legal copy. My account was also charged with a {$10.00} service fee I figured that this was an issue with the scanner they put the checks through. On XX/XX/20 I called the XXXX ( XXXX ) XXXX number for the XXXX to hopefully clear this up over the phone. I was on hold waiting to speak to a representative for 45 minutes before I decided to not waste anymore time and I hung up.
I called again the next day XX/XX/20 and this time I was on hold for 25 minutes before I was able to speak to a representative ( whos name I do not know ). I explained my situation to her hoping for a quick resolution over the phone by fixing the missing digit on the routing number so the check could be deposited. Her first words to me were Soooooo .... what do you wan na do?? It was in such a way, as if there is nothing she can do for me, or its not her job. I said I want the check deposited into my account and I want the {$10.00} service fee removed. She says Sir, I am going to put you on hold.
Irritated at this point I told her no, thats not acceptable. 25 minutes of waiting to get ahold of someone, speaking for 2 minutes and then immediately back on hold with no explanation?
She said she needed a manger and apologized, then put me on hold for 25 more minutes. When she returned, she explained that my best course of action was to go to a branch and re deposit the legal copy of the check that was sent back to me. She recommended I set up mobile banking, which I have, but am locked out of and have never been able to get assistance with. She also removed the {$10.00} service fee, but that was the only help I received after the 55 minute long phone call.
Unhappy with the idea of needing to see a teller in person for what should be a simple fix, I called a local M & T branch. A woman ( whos name I do not know ) answered quickly and I again explained the situation. She was much friendlier, but she too stated that I would need to come to a branch so they could manually enter the numbers on the bottom of the check to avoid this from happening again.
On XX/XX/20 I went to a local branch ( I am 25 minutes from the closet branch, so I try to do business on my way home from work ) and explained the whole situation to the teller. She looked confused, as the check copy hardly looks like a check that can be deposited. The teller brought over another employee who appeared to be a manager, and assured the teller that the check can be deposited. I asked that the numbers be entered manually, the manager agreed and instructed the teller to do so. She printed a receipt that showed the deposit and I left assuming that this has been taken care of.
XX/XX/20 I get a letter from M & T. It is the exact same letter as before. It is dated XX/XX/20 and shows my deposit on XX/XX/20, reason for return, {$10.00} service fee, same routing number error. This time they sent a copy, of the copy of the original check. I am now furious over what this has now become. I now proceed to call the local branch, since the 1800 number is useless for quick responses.
This time I am speaking to XXXX. I explain a condensed version of this entire situation to her. The response I received from her was that I should take the check to the bank it was drawn on ( XXXX ), and cash it there. I was blown away. I could not believe they would just give up, and not fix this. I told her how this was at no fault of my own, and this was M & Ts responsibility to make it right. She blamed the check design on XXXX checks for the error, and offered nothing. I received only excuses. How could it be the check design when the checks work at all other locations except M & T? She stated that she would file a complaint for me, call XXXX to see what is going on with their checks, look into their own check scanners, and call me back. She did remove the {$10.00} service fee XX/XX/20 Extremely unhappy with how all of this is going, and without receiving a callback from XXXX for 48 hours I enter a local XXXX XXXX branch with the copy of the copy of the original check. I briefly explain the situation, asking to just cash this thing and be done with it. The teller calls a manger over and the manager looks at the check. She states that she can not cash this because it is a copy of a copy. At this point I have no clue what I am supposed to do. The manager from XXXX made a copy, of the copy of the copy of the check and started making phone calls to her colleagues to see what could be done.
I walk outside and call XXXX from M & T. The tone in her voice sank an octave when she realized it was me. She tried telling me that she was still looking into, was going to call back, its all XXXX fault, etc ... I wasnt having it. I demanded that she fund my account with the {$100.00}. She deflects, and again for some reason keeps blaming XXXX for the routing number mix up, even though it was clearly their check reader/incompetence entering numbers. At this point I do not care. I want the {$100.00}, and maybe some other compensation for all of this grief.
With XXXX on the phone, I place my phone on the managers desk at XXXX, on speakerphone to let these two hash things out. XXXX manger requests either the original, or original copy of the original check. XXXX states she would need to look into this. She has no idea where it could be at this point. XXXX manager states she will keep working on her end to get permission to cash the copy of the copy. I leave XXXX.
XX/XX/20 I receive a call at XXXX XXXX from XXXX manger stating that I can bring the copy of the copy to the branch and they will cash it. They will negotiate the check. At XXXX XXXX I receive a call from XXXX, asking if I had heard back from XXXX. Still stunned that M & T could not resolve this, I told her they had called earlier, and that I will cash the check at XXXX now that permission has been granted. She then apologies, states that this should have never gone this far and complaint has been filed.
I still need to cash this copy of a copy, so the saga may not be over. But the incompetence of M & T, and reluctance to help is stunning, along with their poor customer service and extremely long wait times on their help line. XXXX had a resolution in a matter of hours. M & Ts solution was to send me to another institution to fix what they had erred. At least they removed the two separate {$10.00} service fees.
I have been a customer with M & T Bank for over 16 years.
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| 12/19/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
Older American, Servicemember |
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-- Original Message -- - Sent : XX/XX/XXXX XXXX XXXX To : M & T Bank Subject : General Account Question Hello. I wanted to know if I have met the conditions for the bank bonus on this account. Thanks for your help. XXXX XXXX -- - Original Message -- - Sent:XX/XX/2020 XXXX XXXX To : XXXX XXXX Subject : RE : General Account Question Dear XXXX XXXX : Thank you for your cash bonus inquiry. I am showing that the promotional code of XXXX has been added to your MyChoice Plus Checking with Interest account. My review of this promotion shows this was a special promotion and the offer is non-transferrable. Only the person receiving the promotion qualified for the bonus and as a result, we are unable to offer this promotion to you. I apologize for the misunderstanding. If you have a copy of the promotion with your name and address on it, please bring it to your M & T Branch. If you have any additional questions, please email me or contact the M & T Telephone Banking Center at XXXX. Representatives are available Monday through Friday XXXX to XXXX, Saturday and Sunday XXXX to XXXX, ET. Thank you for banking with M & T. - -- - Original Message -- - Sent : XX/XX/XXXX XXXX XXXX To : M & T Bank Subject : RE : General Account Question Hello and thanks for you prompt response. When I applied for this account there was no targeted language in the application for the bonus. Just an option to open on-line or in a branch. The promotion code 'XXXX ' self-populated on the application after I entered my zip code. The conditions listed were : ( {$250.00} ) Open an M & T MyChoice Plus or Premium checking account and receive a sign up bonus of {$250.00} when you set up a qualifying direct deposit of {$500.00} or more within 90 days of account opening. Promo code : XXXX or XXXX. Below is a link to the application page I used : https : //checking.mtb.com/ Please double check the information on your end or check with a supervisor. Thanks for you attention to this matter. XXXX XXXX DateXX/XX/2020FromXXXX - M & T Customer ServiceToXXXX XXXX SubjectRE : RE : General Account QuestionMessageDear XXXX XXXX : Thank you for your reply. The promotional offer of XXXX is by Direct Mail or Email from M & T Bank and must have your name listed. I do not show your name on a Direct Mailing or Email offered to you from M & T and the offer is non-transferrable. Therefore, we are unable to offer this promotion to you. I apologize for any misunderstanding. If you have any additional questions, please email me or contact the M & T Telephone Banking Center at XXXX. Representatives are available Monday through Friday XXXX to XXXX, Saturday and Sunday XXXX to XXXX, ET. Thank you for banking with M & T.
Original Message -- - Sent : XX/XX/XXXX XXXX XXXX To : M & T Bank Subject : General Account Question Please open the link below and read all of the information. This is how I opened my account. https : //checking.mtb.com/ The conditions of the offer make no mention of direct mailing, etc. Please show me where this information is. Am I missing something? The XXXX code attached to the application was automatically added by M & T when I filled out my information. XXXX XXXX Original Message -- - Sent:XX/XX/2020 XXXX XXXX To : XXXX XXXX Subject : RE : General Account Question Dear XXXX XXXX : Thank you for your follow-up Cash Bonus inquiry. Unfortunately, due to security concerns, we are unable to open or access the link included in your email. I understand the frustration that this has caused. However, it will be necessary for you to visit the local branch for further assistance with your Cash Bonus request. If you have any additional questions, please email me or contact the M & T Telephone Banking Center at XXXX. Representatives are available Monday through Friday XXXX to XXXX, Saturday and Sunday XXXX to XXXX, ET. Thank you for banking with M & T. -- - -- - Original Message -- - Sent : XX/XX/XXXX XXXX XXXX To : M & T Bank Subject : RE : General Account Question The link is to the M & T website! Honestly? https : //checking.mtb.com/ I will be filing with a complaint with Consumer Financial Protection Bureau . XXXX XXXX. -- - DateXX/XX/2020FromXXXX - M & T Customer ServiceToXXXX XXXX SubjectRE : RE : General Account QuestionMessageDear XXXX XXXX : Thank you for your follow-up Cash Bonus inquiry. I forwarded your message to the appropriate area for review. You can expect a response to your concerns shortly. Thank you for banking with M & T.
Correspondence Acknowledgement Email Office of the President XX/XX/XXXX XXXX XXXX ViaXXXX, XXXX XXXX XXXX Actions Dear Valued Customer : Wed like to confirm that we have received your correspondence on XX/XX/XXXX, and are currently researching your concerns with the appropriate area ( s ) of M & T.
Please know that we will respond to your concerns in writing, by sending you a secure e-mail to this e-mail address, or by contacting you by phone. Additionally, as part of our research and before we have a resolution, we might need to contact you. Should you have any questions in the meantime, feel free to reply to this e-mail, XXXX call us at XXXX.
Sincerely, Voice of the Customer DateXX/XX/2020FromXXXX HToWEB ReplySubjectRE : RE : General Account QuestionMessageHello. I has been over a month since your last communication with me regarding this issue. I have not heard of the outcome of review from the appropriate area. Please let me know how you would like to proceed. XXXX XXXX From : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : Office of the President XXXX Cc : XXXX XXXX Subject : Re : Correspondence Acknowledgement Email External Email : Use caution & trust the source before clicking links or opening attachments.
Dear Office of the President, M & T Bank.
It has been almost a month since your last communication and I have not heard anything from you.
I was hoping this could be resolved without a letter to the Consumer Financial Protection Bureau.
Please let me know how you would like to proceed.
Below is a copy of a communication I had with one of your on-line Customer Service Representatives including a link to your website with the original conditions for the checking account bonus : Hello and thanks for you prompt response.
When I applied for this account there was no targeted language in the application for the bonus.
Just an option to open on-line or in a branch.
The promotion code 'XXXX ' self-populated on the application after I entered my zip code.
The conditions listed were : ( {$250.00} ) Open an M & T MyChoice Plus or Premium checking account and receive a sign up bonus of {$250.00} when you set up a qualifying direct deposit of {$500.00} or more within 90 days of account opening. Promo code : XXXX or XXXX. Below is a link to the application page I used : https : //checking.mtb.com/ Please double check the information on your end or check with a supervisor.
Thank you XXXX XXXX DateXX/XX/2020FromXXXX - M & T Customer ServiceToXXXX XXXX SubjectRE : RE : RE : General Account QuestionMessage Dear XXXX XXXX : Thank you for your reply regarding your Cash Bonus inquiry. Please be assured that I have I forwarded your reply to the appropriate area for review. Thank you for banking with M & T.
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| 10/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Hello, On Wednesday, XX/XX/2021 I walked into the M & T bank branch on XXXX XXXX in XXXX, NY to deposit a personal check that was given to me from my mother. I went into the branch, rather than simply doing an ATM deposit or a mobile deposit because the check was rather large and I wanted to do it in-person to be sure there would be no problems. I also wanted to visit the branch to maintain/build my relationship with the employees at this location, since this is not the location where I opened the checking account.
I handed the personal check my mother gave me to the teller and I immediately felt uncomfortable due to her judgmental energy and the questions she started to ask. I proceeded to answer the extensive security check with ease and began to explain that I have been banking with M & T for years, and that I personally felt more combatable handing this deposit in-person, rather than the ATM. After she walked to every employee in the branch to discuss the check, she went to the bank where she told me she was going to make a copy of the check. When she returned, she informed me that she would not be able to deposit the check because she believed it was altered due to the fact that some of the writing on the check appeared darker than other areas on the check. I listened to the denial of the transaction as she handed the check back to me and I was able to see exactly what she was explaining. I then placed my ID and the denied check back into my wallet and said it was not a problem as I understood. I was traveling to XXXX, OH that evening, so I could just have my mother write me another check. However, when I left the branch that day, I felt completely embarrassed because another M & T bank associate, from across the lobby, started telling me about the penalties of fraudulent checks. I listened out of politeness and conversation, but was confused because everything he said did not concern me. I then repeated myself and explained how it was not a problem, and I would get another check from my mother and bring it in at a later date. When I left, every team member 's eyes followed me out the door and around the corner until I was completely out of site. Nevertheless, I left the branch thinking my account was still active, just could not complete the deposit.
The following day, XX/XX/2021, now in XXXX, Ohio, I went shopping for my mother at XXXX when I attempted to use my M & T debit card. The card was denied twice to my surprise, so I called the XXXX M & T bank number. After I waited on hold for 30mins, the back office told me they do not see anything wrong with my card and it may have been the merchant 's ( XXXX ) issue, not my card. When I got off the phone, I went to a nearby grocery store and the same issue occurred. At this point I was completely frustrated as I am now out of town and my M & T debit card is not allowing me to access my money. The next morning, I called the XXXX M & T bank number again. This time I was on hold for an hour. When I finally spoke to someone, she told me there was a hold on my account and she could not tell me why ; she only told me to call the XXXX branch location as their number was listed in the notes on my account. I then proceed to explain to her the situation I was in regarding the check, and she told me that even with all of that information, it still does not explain as to why there would be a hold on the account ; because, one - the check was being deposited, not cashed, two - if they suspected fraud, they should not have given the check back to me, but held on to it for security purposes and I should have been told my account was going to be on hold. No one in the branch explained anything to me. I left the branch believing everything regarding my account was fine. The back office associated understood my confusion and frustration and wrote an email to the branch explaining her thoughts and confusion of the transaction as well. However, since the day is now Saturday, I would have to wait until Monday morning to speak to anyone regarding my account.
First thing Monday morning, I called the branch and explained the entire above situation. The XXXX XXXX XXXX M & T bank associate then told me, that they receive a lot of fraud at the bank and they were not sure. I felt that was completely uncalled for because the check my mother gave me was not fraud! I felt that it was completely unprofessional and laziness done on their part because if they would have just investigated the check ( called the bank from the check to verify, or at least called the number on the check to speak with my mother ) they would have learned that check was indeed not a fraudulent check.
On Wednesday, XX/XX/XXXX, now a week later, with my account and my money still unavailable, I walked back into the XXXX branch location to gain a better understanding as to why my account was on hold. Once they pulled up my information, the teller told me they were going to close my account. Now I am even more confused and upset because I have no idea what is going on. I then went into a cubical to speak to the teller that denied my transaction in the first place. The entire time I am there, she is trying to absolve herself from the situation by explaining that it is was security 's decision, not hers, and she had nothing to do with it. Once we finally got security on the phone, the security associate was extremely nasty and rude ; and when I am the one that did nothing wrong and is simply trying to gain an understanding of the situation. Once he relaxed, he told me that because I still have my XXXX I.DXXXX, but trying to deposit a check in XXXX, what I am doing is against the law. However, I was even more confused as to why that has anything to do with the situation, but I explained that I still have the property that is on my license in XXXX and visit frequently. I also explained that I opened this checking account when I was living in XXXX full-time and was receiving direct deposits from my then employer. He then became flustered and hung up the phone on me. At this point, I still do not have a reason as to why my account was on hold for more than a week now and I have been in the branch for over an hour. Since I did this on my lunch break, I had to leave and visit the following Friday when I would be back in XXXX. Now back in XXXX, they gave me a letter stating they were going to close out my account ( no reason given ) and gave me a check for what was in the account.
I am reporting this situation because I completely feel discriminated against and believe that this branch should receive repercussion for how I was treated. This branch had absolutely no reason to freeze my account, especially without informing me. This entire situation caused me humiliation for how they treated me, and stress as I was without my funds for over a week with no explanation as to why. M & T bank discriminated and acted completely unprofessional. Everyone should learn from by experience before banking with M & T Bank.
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| 08/06/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I lost my job in XX/XX/XXXX. My loan was with XXXX XXXX XXXX. I applied for a forbearance and was approved for the forbearance which started XX/XX/XXXX and was set to be completed in XX/XX/XXXX. I made every payment on time and XX/XX/XXXX I received a document to do a updated review for my permanent Loan Modification. In this process I was repeatedly asked to resubmit documents that I already submitted several times. I begin to fax to 3 different fax numbers to ensure my documents were received. From XX/XX/XXXX till XX/XX/XXXX I calling just about every week to get an update on my account but to no avail. Finally, I received notice online that my account had been sold to M & T Bank ( right in the middle of the Loan modification ) and that I was only able to speak to M & T Bank about my mortgage. I called M & T Bank and they stated that they did n't have any information and would not be able to speak to me at that time. In XX/XX/XXXX, I received a call from XXXX at M & T Bank saying he was my single point of contact for my mortgage. They asked me to send my information AGAIN. I sent all my information to them again. After several submits of the same information, I was notified that they finally have received my information and they had everything they needed to start my XXXX XXXX XXXX. They stated that it would take up to 30 days for me to hear back. I Called every week to follow up on the updates. Every week I was told " we are still waiting ''. Finally, I received a call " Congratulating me on the Loan Modification Approval ''. I then received another call stating that I had some title issues that needed to be cleared before they can finalize the Loan Modification. I asked them what did they mean and they stated that " there are liens on my Title and they needed to be cleared ''. I called XXXX County and was informed that there are no Liens on my property. I then called M & T Bank back and asked them could they give me more information about the liens and they said they could only give me names and ID numbers. They stated they could n't not send me a print out via email as it was against their policy and they also could not upload it electronically so I would be able to see it when I log in my online account with them. They stated that the only way to get it was to wait for it to come " Snail mail ''. The problem with this is that : the time that they gave me to get everything resolved was from the time they mailed the letter to me. I had to wait 6 days before I received the letter in the mail that gave me in detail of what I was suppose to look for and clear up. This was the first unfair stipulation that was put on me due to the time I was givento resolve the issues. I looked for the information at the county clerk and discovered that 2 were Abstract Judgements and one was Child support arrears in which I am currently being garnished from my pay with my current employment and it included additional pay to address the arrears. The attorney general is also offsetting my tax returns to address this. Not know what to do next. I called my attorney and he told me that None of the abstract judgements nor the child support arrears affect my Title. I called M & T Bank back and let them know this and they stated that they wanted me to send in a " Customer Statement of Information ''. I sent that in after consulting with my attorney again so I would send it back completed correctly with the supporting documentation. When I responded by submitting my Customer Statement of Information ; it contained acopy of the 2 Abstract Judgements and the Child Support information. Clearly on the Child support information it states " This lien is only to be valid and attached to all NON EXEMPT Property '' In the state of Texas my home is a Homestead Exemption and this would not affect my Title. The same goes with the 2 Abstract Judgements. I enclosed the Texas Property Codes that support my claim. When I sent this in ; I was told several times to email it. However, they were stating that they were not receiving it. This went on for 3 days before I asked for a fax number and sent the email and the fax. They then stated that they received the information and was sending it to the " Title company ''. At this point, I had lost more time by doing the same work over and over again for 3 days. I then had to wait for 6 days before I received and answer back. The reply was : " XXXX XXXX we still require you to clear these liens before we can move forward with your loan modification and if it is not completed although you have an approved loan modification we will still cancel it and you are at risk of foreclosure ''. I let them know that my title is clear and they responded that " The liens and abstract judgements are against me as the individual and since I am the borrower they attach to the title '' I let them know that this was incorrect information and they really need to look back into this. They told me they had already reviewed everything I submitted and this is their response. I asked them : " IS M & T BANK SAYING THAT THEY ARE NOT GOING TO RECOGNIZE TEXAS PROPERTY CODES AND REGULATIONS ''? They stated that they do n't know anything about the Texas Property Codes and I would have to address this or beat risk of foreclosure. I sent them the Texas Property Codes in Paper format so they could review it and see it. Even with this they are stating that " They will not recognize this and comply with it '' I then askedto speak to the Supervisors and I asked for a specific name in which I was informed by 6 different Customer Service Reps that they are not allowed to give the email to specific people. They only gave me a general email and said when they get to it they will address it. The problem that I have with this is : I have a deadline to get this resolved according to M & T Bank and if they do n't respond in time. I am at risk of Foreclosure or having to completely start over again. I was on the phone for over 3 hours going in circles and was finally told that : " M & T Bank does not have a Corporate number in which I could call as they do n't have anything to do with the Loan Workout Department ''. I searched on XXXX and was not able to find a sufficient number or email. I called the number I found and was indeed redirected to the same department only to get told that " they have already told me what they needed to say and was there anything else they could help me with '' as to get me off the phone and I was really wasting their time. At this point, I am very frustrated in the way I have been treated as a proactive consumer. When I knew my situation had changed I immediately notified my lender. I am a XXXX XXXX XXXX veteran and this is very frustrating for me when I have do n't everything I was asked only to get Approved for the Loan Modification to be told that it can not be done over issues that do n't apply to my situation.
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| 09/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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I am writing to report actions taken by M & T Bank that have had a devastating impact on my credit report.
My only request of M & T has been that they remove and/or retract their negative entry from my credit report, as I believe it was made unfairly.
I primarily bank with a different banking institution and issue payments to all creditors from my that checking account. I previously banked with M & T Bank and also have a HELOC with them for which I make a monthly payment. After switching to a new bank, I continued to use my M & T checking account as a means for transferring funds in order to make my HELOC payment ( first, a transfer from my primary checking account to my M & T checking account ; and then an internal transfer from my M & T checking account to my M & T HELOC account ).
On XX/XX/XXXX, I called M & T to report that my checkbook had been stolen. The representative that I spoke with ( XXXX? ) asked if I wanted to close the account. I very specifically told her that I did NOT want to close the account because I transfer funds to the account monthly to make my HELOC payment. I explained that I dont actively use the account for writing checks and asked that they just prevent any checks from clearing the account. The representative assured me that everything was in order. But apparently this was not the case, because the checking account was locked down. And this was done without my knowledge or consent.
On XX/XX/XXXX, I logged in and noticed that I had new internal TRANSFER UNSUCCESSFUL messages. When I reviewed my payment history, I could see the payments for XX/XX/XXXX and XX/XX/XXXX had not processed. On XX/XX/XXXX, I called M & T and spoke with XXXX in the HELOC department. She explained the transfers had failed because the account had been locked down after I reported my checkbook was stolen. I received no external emails or voice messages from M & T about missed payments ( however, M & T does send me external messages when my estatement is available ). On XX/XX/XXXX, I made a payment for the full amount due.
The lock down that was placed on my account allowed funds to transfer into my account, as usual. But it prevented the transfer of funds from my account including the internal transfer that I had in place to make my monthly HELOC payment. ( To put it another way, M & T prevented M & T from paying M & T! ). And as a result, the payments for XX/XX/XXXX and XX/XX/XXXX were late and I was reported late to the credit bureaus.
On XX/XX/XXXX, I met with a manager in my local branch to discuss the matter. He advised me to call M & Ts general customer service number and submit a dispute.
I called M & Ts customer service number and requested an in-person meeting with someone in management to discuss the matter, but was told I would first need to submit a dispute to their collections department. I consented to this, but asked that I be allowed to meet with someone in person to discuss the matter if it were decided that my request would be denied.
One week later, I received a letter stating M & T had reviewed my dispute and it was determined that M & Ts reporting of my late payments were accurate and no change would be made.
On XX/XX/XXXX, I called M & T customer service and asked to speak with a supervisor. I was connected to a supervisor ( XXXX ) and explained the situation. And, again, I asked to speak to someone in-person regarding the matter. During our conversation, her comments implied that her mind was already set. She questioned me on whether I had bothered to log in to my account and check to make sure the payments were being made ( admittedly, I did not because this is not an account I actively use and I had every reason to believe a reliable payment process was in place ). She implied ( at least twice ) that I should have known a hold on the account would affect transfers from the account. I corrected her each time and reminded her that I was never told a hold or a lock down would be placed on the account. I further explained that : 1. I made it very clear to the representative that I dont actively use the account, but needed to leave it open because thats how I make my HELOC payment ( and I explained my transfer setup ).
2. I specifically asked that they just stop checks from clearing the account. Nothing more.
3. At no time, did the representative tell me this would cause any problem with making my HELOC payment.
4. In my opinion, if the representative KNEW I was using this account to pay my HELOC, then it was her responsibility to inform me if there would be any problems regarding this process.
XXXX continued to seem resistant to my defending arguments, so I asked that the the phone recording be pulled and reviewed. I also asked if I was entitled to a copy of the recording and was told no. A few hours later, she called me to report that she had pulled and reviewed the recording. The result : Although I had told XXXX that I did not want the account closed because I use it to pay my HELOC, XXXX did tell me this would prevent all debits from the account, and I should have known this would include internal transfers. Therefore, M & T stands by its decision regarding their actions.
I disagree with this assessment. In hindsight, I now recognize that a transfer is a debit. But I disagree with the assessment that I should have known, given the circumstances. Transfers and debits are usually considered separate types of transactions in personal banking. Theyre labeled differently in statements. They have separate sections in online banking for setting up automatic transfers and payments ( which are listed as debits ). And considering I made the representative well aware that I use the account for transfers, she failed in her responsibility to inform me that this would have any negative consequence on that process.
My checking account should not have been locked down. I did not authorize that any action be taken other than not allowing checks to clear my account. And I believe my intent was very clear based on the phone conversation.
The impact of this has cost me thousands of dollars. I was actively trying to refinance in order to consolidate debt. But, the drop in my score ( from XXXX to XXXX ) has been devastating financially. As a result, I was denied two loans that were pre-approved just weeks earlier. I have always made every reasonable effort to meet my financial obligations in good faith. A review of my checking account history for the last several months will reflect that Ive had the necessary funds to easily meet my obligations ( I am providing copies of my bank statements for your reference ).
Once again, I respectfully request that M & T retract the negative entries on my credit report, in order to help restore my credit. And I thank you for any assistance you can offer regarding this matter.
|
| 04/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American |
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ATTENTION M & T MORTGAGE : Eventhough XXXX XXXX XXXX , XXXX was the Originating Servicers in XXXX when this loan/mortgage was created, the company ( XXXX ) is touting that they sold you [ M & T Mortgage ] the mortgage in XXXX. ( See XXXX attached copy ). And wants to eliminate themselves from the Wrongful Acts that they carried out in ( XXXX and XXXX ) because they stated that you were sold the loan in ( XXXX ). ( See all information in this complaint ). So I am sending your company [ M & T ] the complaint ( which I thought the CFPB sent you already ).
The below information explains in further detail of what was requested of ( XXXX XXXX XXXX , XXXX ) in the previous complaint that was not remotely or respectively answered. Amongst many other questions that should have been answered and Corrections that should ( should have XXXX been made. See CFPB # XXXX-XXXX.
In XXXX while originating our loan application, you, XXXX XXXX XXXX , XXXX Circumvented the Florida Law reference A Borrower and A Married Borrower in the State of Florida. Which forms a [ Tenancy by the Entireties ] which treats the husband and wife as a unit. In the State of Florida, any Real Property or Personal Property held by husband and wife as ( tenants by the entireties ) belongs to neither spouse individually, but rather each spouse owns the whole property. And both signatures are required for any change in document terms ( i.e. Loan Modification Agreements ).
You ( XXXX XXXX XXXX ) made my husband ( the Sole loan borrower ) on the loan application of your own volition, instead of the both of us on the application form. Which there should not have been any reason we couldnt qualify together. But even so, because we are a married unit, the Florida Law did not call for your company to dictate Spousal Rights ( in favor of my husband ) over our Real Property. ( i.e. telling me I need permission to discuss my real property with you ( XXXX ) or/and ( M & T Mortgage ) or any other entity ( i.e. CFPB ).
It was Reckless, and Manipulative to further circumvent the Florida Law to create your own rules to [ exploit Rights of Power to discuss any business regarding our real property to my husband ] and simultaneously created a wall shielding the Spousal ( WIFE ) from being able to ( Call Your Servicing CompanyXXXX M & T Bank- mortgage/servicing ) to discuss any business matters in reference to our investment property.
That was, and still is a Reckless, Destructive Act that could cause Severe Problems regarding property asset distribution between a Husband and Wife in this State. But ultimately, you ( XXXX XXXX XXXX , XXXX ) broke the Florida Law regarding Spousal Property Ownership by ( thru loan years ) have continuously invalidated my position as a ( titled married owner of our Real Property ).
RESPONSE TO XXXX XXXX XXXX STATMENT # 1 Answer Per you ( XXXX XXXX XXXX, XXXX ) Tout of me being unauthorized to receive/request information reference my own property. You ( XXXX XXXX XXXX , XXXX ) broke the Florida Law between Married Property Owners. As stated in the above paragraphs, it is Destructive and Reckless for you, XXXX XXXX XXXX , XXXX ) to have Circumvented the Florida Law ( during the application process ) to benefit your application needs.
The decision regarding the form of ownership of an asset is Critically Important, especially in the State of Florida. So this Act of exploiting Sole Rights of Power to my Husband [ in the State of Florida ] can cause extreme detriment in regards to spousal laws relating to real property, etc.
# 2 Answer In reference to ( XXXX XXXX XXXX ) stating they transferred our loan to ( M & T Mortgage ). The main area of this complaint surrounds the ( Modification Agreement ) Originated by you ( XXXX XXXX XXXX , XXXX ) in XXXX for processing a contract agreement consisting of [ One married partys signature [ my husband ] and did not contain the ( other married Partys signature ) the ( spousal wife ), which makes the Modification Agreement unenforceable. ( Invalid ).
There were changes made to the existing contract by extending the terms of the Maturity Date to ( XX/XX/XXXX ). I the ( other owner/spouse ) did not agree to these terms ( neither was my signature on the Modification Agreement ). I am requesting the [ Maturity Date is Corrected ) according to the Original Promissory Note to ( XX/XX/XXXX ).
Also, there is a ( XXXX letter from M & T Mortgage attached ) that states from M & T that they were servicing our Loan ( at that time ) on behalf of XXXX XXXX XXXX XXXX, [ WHO IS ACTUALLY THE MASTER SERVICER ]. ( see attached letter ) Note/Attachments : A letter from M & T Mortgage is attached regarding authorization of ( the spousal wife ) discussing our Investment Real Property. Which is against Florida Law for ( XXXX XXXX XXXX , XXXX ) to exercise and expedite those Financial Rules, and to other Mortgage Companies/Servicers, etc. that XXXX conducts business with.
Also, a copy of the ( Invalid Modification Loan Agreement ( with the signature of one Party ). Which I also sent with previous complaint to XXXX.
There is approximately ( 5 ) already other uploaded documents regarding this complaint under CFPB # XXXX-XXXX.
See the ( UNSUBSTANTIAL ] uploaded response from XXXX XXXX XXXX , XXXX to this and previous complaint alike.
Affiliated Companies/Financial Institutions : XXXX XXXX XXXX , XXXX Customer Support Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Loan Owner : XXXX XXXX XXXX XXXX XXXX as Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , NY XXXX Phone : XXXX ext. XXXX M & T BANK XXXX. XXXX XXXX XXXX, NY XXXX XXXX https : //www.mtb.com/home-page +++++++++++++++++++++++++++++++++++++++++++++++++++ WHAT CAN FIX THE PROBLEM In reference to ( XXXX XXXX XXXX ) stating they transferred our loan to ( M & T Mortgage ). The main area of this complaint surrounds the ( Modification Agreement ) Originated by you ( XXXX XXXX XXXX , XXXX ) in XXXX for processing a contract agreement consisting of [ One married partys signature [ my husband ] and did not contain the ( other married Partys signature ) the ( spousal wife ), which makes the Modification Agreement unenforceable. ( Invalid ).
There were changes made to the existing contract by extending the terms of the Maturity Date to ( XX/XX/XXXX ). I the ( other owner/spouse ) did not agree to these terms ( neither was my signature on the Modification Agreement ). I am requesting the [ Maturity Date is Corrected ) according to the Original Promissory Note to ( XX/XX/XXXX ).
A copy of this particular Complaint and ( Modification Loan Agreement ) sent to M & T Mortgage so that they can see that the [ Modified Terms of the Loan ] that was supposedly transferred to them is unenforceable and ( invalid ).
|
| 12/18/2021 |
No |
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- Trouble during payment process
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|
Web |
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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!
|
| 09/27/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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On XX/XX/23 I entered M & T banks XXXX XXXX location. I asked to speak with the branch manager about depositing a check that came for my clients. At the time I had a POA for the wife XXXX because she was my main point of contact throughout this claim. XXXX XXXX the branch manager sat with me in the lobby and looked over my documents, the POA for XXXX and an indemnification agreement drawn from M & T bank for a colleague of mine who runs the same business. He told me that he never saw the indemnification agreement before and that since the check had both XXXX AND her husbands name on it I would need a POA for XXXX as well. He said if the check said OR you would be good to go but since it says AND youll need that POA. I said ok hes a busy man but Ill have XXXX let him know this needs to be done. At that time XXXX stands up and says once you get that POA you should be good to go, let me make copies of all your documents and XXXX leave them with Ahmand ( manager in training ) because I will be away next week. On XXXX I got the POA with XXXX notarized. The same day I take all documents to the XXXX XXXX location and present it to them. I was helped my I recall the assistant branch manager. She tried her best to help and when I told her that XXXX said he put all the copies of my documents on XXXX desk he had no clue of what I was talking about and couldnt find the documents. After being in the bank for over an hour I was told that they submitted everything to risk management and I would have to wait most likely XXXX business days. As I called to check the status periodically there was no movement and they havent heard anything back from risk management so they say. At this point I had questions about the process that no one seemed to have answers for. When XXXX returned from vacation he gave me a call and told me that my documents were still under review and was very negative about what he thought would be the outcome saying things like Ive never seen an indemnification agreement like this our system and neither have XXXX XXXX in risk management. In my 25 years of banking Ive never seen this. I dont think the bank would agree to this but I could be wrong. He proceeded to tell me that he hopes XXXX didnt make this up using the XXXX Trying to discredit XXXX 40 years of banking. The vibe he was giving off didnt seem right to me but I still followed his lead and continued to wait. XX/XX/23 I spoke to XXXX again. This time he was still slightly negative about my approval from risk management still talking about the indemnification agreement. Downplaying the properly drafted and notarized POA I have for my clients saying the POA just means they were there and signed it. That a notary doesnt make a form legally binding He also informed me that since risk management had never seen this indemnification agreement before they sent it to the legal department. I said to him ok but doesnt a bank have to acknowledge and accept a legally drafted and notarized POA? XXXX then says not if the bank thinks the check should be in the hands of the payee. At this point I realize that he was never here to help me because he thinks that I shouldnt have this check for my clients. All my documentation is correct and the business of Surplus funds recovery is legit. The only other reason he could think this is because Im a XXXX man with XXXX and XXXX because all my documents are done correctly by the state of NJ laws. That same day XX/XX/23 I filed a complaint with M & T for XXXX discrimination against XXXX XXXX. Even then I still waited like he said for XXXX more weeks. XX/XX/23 I called the XXXX XXXX branch and spoke to XXXX again. This time he tells me that its still with legal and he spoke to risk management on XX/XX/23 and the status was still the same. He was Still negative about my approval. Saying he guess is that the bank wont be comfortable with this transaction. He could be wrong and that he was divorced before so hes been wrong before XX/XX/23 I decided to take my documents to the XXXX XXXX bank because this is where my colleague got his approval and they were familiar with this business model. I went there to with my documents initially to see what the process was and if I had all the proper documentation needed to make a deposit. XXXX the branch manager immediately said oh this is the same type of business XXXX XXXX my colleague ) runs. All his documentation has to go through XXXX XXXX I then gave my POAs to the teller XXXX along with my ID and the check. XXXX was on the the computer emailing or messaging XXXX XXXX from risk management. XXXX asked if I had anything to do in the area because she had to wait until XXXX emailed or messaged her back. I told her I have time and can wait. XXXX then said let me try to get her in the phone and she did. I was told by XXXX and the XXXX XXXX branch that risk management could only be contacted by email or a ticket system. That was a lie as XXXX got on the phone with risk management almost right away. She made copies of all documents made sure I submitted all the proper documents to have an open business account as well. XXXX put notations on my account from XXXX XXXX that its safe to deposit the check while the indemnification was being drafted. She said I would have to come back to the branch once the indemnification agreement was ready for me to sign. They then deposited the check which made it clear to me that XXXX XXXX was never trying to help me because he had me waiting for a month for what the XXXX XXXX bank did in XXXX. XX/XX/23 I get several calls back to back from a Connecticut number I didnt recognize XXXX. I answered the last call it was the Fraud Department. I guy named XXXX XXXX. They froze my account and XXXX XXXX had a lot of questions on how I operate my business. He asked if I was working with XXXX XXXX and said yes but Ive since filed a XXXX discrimination complaint against him. XXXX XXXX asked If I had a contract or something signed with my clients and I said yes. He provided me his email and I emailed those documents over to him right away. These are signed and notarized agreements that outline every aspect of my services along with my fee and the total pay out to the client. XXXX XXXX told me he had to reach out to XXXX XXXX to make sure the check was legit and the process would take XXXX hrs to be all cleared up. It was now clear to me that XXXX never sent my documents to risk manage instead was in contact with the fraud department. They went as far as freezing my colleagues account as well. XX/XX/23 I called to check the status of this investigation and was told that I need to close my account because the business exceeds the risk appetite of the bank. I asked what was the reason and the rep said thats all they have in the notation from XXXX XXXX.
|
| 11/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
|
|
To : a Sir/Ma'am Please Acknowledge my request for assistance and thank you, ahead!
I would like to mention, outside of what had taken place between these two banks, in the recent months, I have been receiving erroroneuos XXXX emails for random bank account statements and bills to accounts, which I did not XXXX anzyone permissions authorizing to have been opened-up ever.
M and T bank, has allowed an unauthorized checkings account to be opened in my name.
Granted for Authorized checkings account number : ending # XXXX NOT- Granted / Un-Authorized checkings account number : ending # XXXX Meaning, there should have been only one single checkings account ending with XXXX, and with one single savings account ending with XXXX.
M and T bank, allowed my money to be transferred out my checkings account numbered : ending in XXXX, which was then moved into the unauthorized account numbered : ending in XXXX.
M and T bank, on XX/XX/XXXX filed a dispute to XXXXXXXX XXXX for only some of the missing funds in the total dollar amount of {$110000.00}.
All the transactions were grouped together all into 3 seperate primary dispute case ID, done by M & T bank.
XXXX - used for account ending in XXXX with the amount of {$100000.00} XXXX - used for account ending in XXXX with the amount of {$16000.00} XXXX - used for account for account ending in XXXX with the amount of {$19000.00} However, the true total in missing funds dollar amount actually is equal to {$130000.00}, which is from the bank statements for the transfers made out of account numbered ending in XXXX, directed to ending in XXXX.
( The only Authorized M & T bank Checkings Account ).
By, the date of XX/XX/XXXX XXXX XXXX, honored M & T banks filed dispute claims, and reversed all of the unauthorized transactions, that were previously disputed, only.
I spoke with XXXX XXXX, who made an apology to me stating, that their were three unauthorized accounts ( TWO ONLINE CHECKINGS ACCOUNTS WITH ONE SAVINGS ACCOUNT ), which all had been opened online in my name, and also mentioned that all funds were already, reversed by the date of XX/XX/XXXX.
M and T bank, had POSTED to my replacement checking account numbered of ending in XXXX, some of the disputed reversed amounts by the date of XX/XX/XXXX, and placed an account restriction hold on my account just right, after, along with a stop payment on a deposited M & T bank official check which they never returned, also taking my money in that incident, but as well.
M and T bank, has since mailed me out two letters, on multiple occasions, stating the following in the below, but with each letter only indicating separate and different claims numbers, and also different reversed credit amounts. Both letters read as in the below : Letter # 1 dated XX/XX/XXXX | Claim # XXXX | Account Number ending in : XXXX | Credited Amount : {$16000.00} Letter # 2 dated XX/XX/XXXX | Claim # XXXX | Account Number ending in : XXXX | Credited Amount : {$100000.00} Dear XXXX XXXX XXXX, Thank you for your recent inquiry concerning the transactions referenced in this letter. We apologize for any inconvenience this issue may have caused you and thank you for your patience while we research your claim.
Our research has concluded that the transaction was unauthorized or processed incorrectly. Your account was credited {$100000.00} on XX/XX/XXXX for the disputed transaction ( s ), along with any associated fees.
If this is an interest bearing account, the interest will be recalculated once the debit transaction is reversed and if necessary, any additional interest will be credited to your account.
If you have any questions, please call the M & T XXXX XXXX team at XXXX ( Monday - Friday XXXX to XXXX, Eastern Time ) and will be happy to help Thank you for banking with M & T .
TRANSACTION ( S ) HONORED Trans Date | Trans Description | Trans Amount LETTER # 2 - Amounts XX/XX/XXXX | XXXX XXXX $ transfer | {$7200.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$6600.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$6800.00} XX/XX/XXXX. | XXXX BANK $ transfer | {$4600.00} XX/XX/XXXX. | XXXX BANK $ transfer | {$3800.00} XX/XX/XXXX. | XXXX BANK $ transfer | {$6000.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$6400.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$6400.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$9200.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$7000.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$6000.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$9800.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$8800.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$6800.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$7500.00} LETTER # 1- Amounts XX/XX/XXXX | XXXX XXXX $ transfer | {$3800.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$3800.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$4500.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$4500.00} XX/XX/XXXX. | OVERDRAFT FEE. | -PR {$15.00} M and T bank, up-held the hold against my account exactly, when the transactions were reversed back to for an honored credit, and continued the hold without end, until they recently zero balanced my account, and closed all accounts, and exited our banking relationship, occurring the date of XX/XX/XXXX.
My trust has been broken by M & T bank, but I really feel victimized, be-littled, abused, taken advantage, violated of my legal justice of rights, tortured, disgusted, ripped-off, confused, devastated, robbed, mistreated, insulted, and lastly be-wildered.
M & T bank has yet, to refund me of my money removed from my account numbered ending in XXXX.
Even though, M and T bank, stated the money would be returned, mentioned an M & T bank endorsed letterheaded of writing and also in-person verbally. As of now, I'm beginning to believe they are not ever going to return my money back to me, why?
M & T bank needs to be held accountable of there word, and my money needs to be returned back to me, immediately.
I filed, numerous complaints to M & T bank throughout the investigation processes, making requests for an acknowledgement to have the legal hold removed or lifted from my funds which were in the account, but never received any resolve on the issue.
Dispute Claim XXXX XXXX XXXX, was assigned to all the cases.
Her telephone numbers : ( XXXX ) XXXX - XXXX.
____________________________ THE FINAL BANK STATEMENT FOR ACCOUNT # ending in XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DATE. | DESCRIPTION | DEBIT/ CREDIT | BALANCE XX/XX/XXXX - credited {$35.00} | Reverse Stop Payment Fee XX/XX/XXXX - debited - {$100000.00} | Adjustment Services Case # XXXX XX/XX/XXXX - debited - {$35.00} | Stop Payment Fee Mailing Address and Contact info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX ( XXXX ) XXXX
|
| 12/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
My account at XXXX recently went negative {$8.00}, XXXX on XX/XX/XXXX due to an M & T Bank check that I deposited into my account on XXXX the XXXX 2023. That would be 4 months ago. XXXX informed me that they found out M & T Bank would not be fulfilling this check on XXXX the XXXX which was roughly 120 days later keep that in mind. I have reached out to my bank and I've reached out to M & T Bank and I reached out to the check writer. It comes from a car dealership who has informed me that they've never had a check not clear nor have they ever had XXXX bounce. Being that I deposited almost a half a year ago now I don't even remember the guy 's name that personally sent me that check unless someone's able to read his handwriting off of the actual physical check. But that's besides the point because right now my issue is with M & T Bank and M & T Bank should have an issue with the check writer if they say they can't get the funds. I want to be clear also this check didn't bounce the only excuse they gave you XXXX was they weren't going to fund it that could mean a XXXX different things and I don't know what it really means I just know it means that they took that check back out of my account and did so 100 % illegally according to the law and regulation written by and for the board of governors for the Federal reserve system. I also called M & T Bank and got them on a recorded line now three different times consecutively each teller or banker telling me when I specifically asked if I deposited a check over {$5000.00} into my account When can I expect M & T Bank to contact my bank to let them know it would be fulfilled or not, what are the legal time limits you have as a bank at M & T Bank to let my bank know that and each one of them has told me no more than 10 days which according to the law is incorrect it's less than that but regardless none of them has gone above 10 days. Again mine was pulled back out of my account after 120 days. Any sensible person in their right mind especially after waiting the initial XXXX weeks after deposit to receive my funds, would expect that those XXXX weeks are utilized for seeing if the check is good or not because if it wasn't good then you wouldn't give me the money that is XXXX the depository bank. Now according to Federal regulation section XXXX notice of non-payment reads as follows and I quote : states that paying banks are required to provide notice of non-payment to the depository bank on all returned checks of {$2500.00} or more. This notice is to be received by the depository bank no later than XXXXXXXX XXXX. on a second business day following presentation. So the law reads second business day after I've handed them a check yet someone thinks it's okay to say they're not going to fund the check and debit it from my account after 120 days nearly half a year. XXXX XXXX collection of checks XXXX paying banks responsibility for return checks. TO DECREASE THE RISK TO A DEPOSITORY BANK THAT A CHECK WILL BE RETURNED AFTER FUNDS HAVE BEEN AVAILABLE FOR WITHDRAWAL, REGULATION CC REQUIRES " EXPEDITIOUS '' RETURN OF CHECKS. A PAYING BANK RETURNS A CHECK EXPEDITIOUSLY IF IT RETURNS A CHECK TO THE DEPOSITORY BANK WITHIN XXXX BUSINESS DAYS OF PRESENTATION. ( There are no longer checks subject to the XXXX day test because they no non-local checks ) alternatively, a bank returns a check expeditiously if it sends a check in the same manner as it would have sent The check for forward collection. Now I have XXXX other pages of law that all explain how that money needs to be deposited back into my account because what happened was illegal according to law timelines and regulation. I need this to pay my bills I still haven't even paid my rent and wherever I paid any of my bills because I can't when it's negative {$8400.00}. There's also a timeline which this needs to happen according to law and if this doesn't happen expeditiously I will be getting a legal team together and this will end up costing M & T Bank much more than {$8400.00} as I will also be asking for lawyers fees and court costs on top of all the fees I have with every other bill I'm not able to pay now and any other damages I have thus gone through to this point because of someone doing something illegal at M & T Bank damaging my account my character my ability to pay my bills and causing undue stress, lack of sleep, in a sense of unease about everything because it's the only thing on my mind. I can assure you as these sections in the law that I have that I will provide you with as well we're pointed out to me by lawyers And I've been informed if I can't get you guys to just follow the law and try to push it off onto somebody else as if it was their fault when this was between XXXX banks and it's not because of a bounced check it's just because the funds wouldn't be fulfilled for whatever reason The reason which I was not given nor was XXXX all sounds too fishy to me. And at that point I will then go ahead and have my lawyers reach out to you from the XXXX XXXX XXXX XXXX XXXX office. I truly need this handled immediately I have no time to waste and I am already roughly 10 days or more into my XXXX window of sending in an official complaint which will undoubtedly get me funded through this complaint process so long as I follow it steps so I can go about it XXXX of XXXX ways This is just my first attempt with you guys to do it sensibly. I assure you you've never heard somebody's check not being fulfilled 4 months later that's unheard of that's not expeditiously that's not second business day and even the law states they got rid of the four-day waiting period nowhere does it say anything above 4 days. And although there are exceptions, even though we're still well outside the time frame for exceptions if they were made, certain things need to have taken place that did not take place like in writing me receiving when I would be finally seeing the money or when I wouldn't be there needs to be a time frame written down as well as multiple other things that did not take place that I will provide You with in the regulation. Lastly I definitely need this handled immediately and I do not have 60 days to wait on this. Again I'm trying to do a sensibly maybe it was a mistake maybe somebody working up there did something they weren't supposed to it could be a multitude of things but I know XXXX thing it's not my fault the money was there and is there and I just need this money back because I'm not going to file bankruptcy and ruin my life because somebody wanted to do something illegal at M & T Bank. That's what the laws are put in place for they're not to go by every once in awhile they are to be followed and adhered by at all times. Not just by me but by you also.
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| 11/16/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
Older American |
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My name is XXXX XXXX at : XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX I open 3 accounts in XXXX NY, XXXX, XXXX and XXXX ( recently but do n't know the service yet, just 2 trasactions ) I used because of convenience and trust the name first ... and frustrated after dealing with and angry and afraid of ...
First time i made a complaint on BBB and get CFPB and XXXX XXXX reponse to me 3 months later. I still have the response letter.
* XXXX ask me to do this and to do that?
* XXXX XXXX calling me SENATOR XXXX XXXX XXXX ... actually maybe I have business deal in the past with them but now they gave me a nick name what i have to say, I become a SENATOR, and they address me by letter send to me, only one letter and no more, I want to hear Senator again, in NY has only 2 maybe senator in State and they have to fight very hard to get the=at title, now I do n't have to spend a penny and get that title SENATOR, no problem you call me senator i acceot it, because no any dictionany or dctionary explain what does it mean ...
When I report to BBB in XX/XX/XXXX I had notice negative rating point to XXXX XXXX, I doubt it ...! ANd that 's true .... this is the error or this is XXXX want their money back when I open account they gave me {$150.00} bonus and {$25.00} USD to open Saving account, but finally my bonus all gone with the wind just because they used the word OVERDRAFT, mny totally overdraft fee is more than 350 dooars since I opened my account in XXXX XXXX. Rectly what happen with XXXX is : I deposit a check from XXXX, when I go to the branch, they said the rate they give you is too high, we have the rate is more lower than that, so I take that out and apply to their LOAN offer, when they check my CREDIT SCORE they can not log into my credit uion. I also check my credit score from different source, the source I check only available just 2 instead of 3, and I check my score monthly from my CREDIT CARD, I know what my score look like.
When you use credit card, you always look deep into the low rate credit card that offer you a better deal, I found XXXX gave me last month credit chect is : XXXX with FICO rating, annd XXXX gave me XXXX rating fron XXXX XXXX.
Now go back to the deposit of my LOAN, 2 days later it 's clear and my balance is show up on my report online, then I make my credit card payment to XXXX and XXXX, and I wait 3 days, the result did n't come up, I call, i contact by portal and I came to local branch in different branch and all they said, NO RECORD I HAVE MAKE ANY PAYMENT ...!!!!
The operation like that is make more sense for XXXX got hack!!!! And the local BANKneeds to report or let the customer know THIS IS YOR REPORT .... i got the report on tuesday showing me I HAVE A PENDING transaction XXXX , that amoun I already pay off XXXX my reducing the payment from my complaints, becuase the charges is FAKE and NOT DELIVER the order, now XXXX I had arount 100 USD, this also come out and I want the customers use the BANK had to be very careful and extremly rare but they do : OVERCHARGE FEE {$35.00} when you make apayment NOT ENOUGH MONEY, actual yu have money but they did CLICK and CHECK just let the IP department auto-matic check and they make money by that way.
Thay alway send email asking you ONLINE is more easy, but more trouble, ....!
Second I want to report is XXXX XXXX, they have the service first it seems right for me save your money just $ XXXX per week you can have {$1300.00} at the end, that sound too good too attrachtive also too fancy in America too, you know in USA only the branch of XXXX XXXX in XXXX XXXX XXXX has that service, XXXX XXXX XXXX in other baranch understand XXXX saving program work! you try to ask what is XXXX program, 100 % no one can answer that question from other branch except XXXX XXXX XXXX toer ...! Now the problem is not stay there, I check my account I saw the money is totally NOT EQUAL with the number, and the number seems change weekly, f they change weekly it 's fine and better, but the BALANCE of the total amount will be the smame will be OK. but no balance the same, the number is UNLBALANCE and mean time, my email address is already change but NOT SHOW UP is change I click they did n't show up anything ... I use XXXX XXXX month only one time after I came in deposit into and use that to write check to pay rent, the security deposit and my XXXX balance totally different, becuase my landlord is in from of XXXX XXXX branch in XXXX XXXX, I told them My social dep [ osti {$390.00} is to XXXX XXXX not XXXX XXXX, but my landload use XXXX XXXX, this activity needs to help them solve the conflict of MONEY DEPOSIT and MONEY BALANCE from Saving XXXX is a trouble makers in XXXX!
My activities is use to TEST all the BANK in XXXX and try to find out what is THE GOOD THE BAD AND THE URLY of banking system in XXXX ... .from this point I can tell you, more and more coming up and the level of UNDESTANDING the number of the local branch banker anh how they understanding of the transaction means to them and the timing of customers have to spend when they look at their monthly statement and another probelm is for people do n't know englsih and illiterate, the bank making money by one penny to another penny, I want my money back, each transaction I always keep my receipt.
The big trouble for XXXX is they send my personal financial info to XXXX XXXX in Florida, my credit report get XXXX XXXX check monthly, what do they want to steal from me ...! XXXX jsut send me a statent yesterday, I have unpaid balance {$180.00} more .... I already telling them, this is XXXX stole my info and let XXXX XXXX take action 4 months ago, I have confront taton with XXXX XXXX about the monthly statement, I did apply anoth XXXX from XXXX, I already cancel their XXXX XXXX last year, because is not fiar the charges ... and the money hoe much they refubd, I did n't check all, but they did refund some, nw they check me into the STEALING HOOP again after the offer when I pruchased in XX/XX/XXXX, I apply is CREDIT CARD not XXXX XXXX, their XXXX XXXX only to purchase on XXXX not from other store or sources ... my question and ask them WHY THEY ARE SO BIG SO HUGE but so greedy have to steal cstomers financial info of give you a prime card, when you get the prie card, you do n't need to ACTIVETE, that also mean they send to you, you will be get invoice to pay monthly the membership, they do n't care who you are, I 'm Senator XXXX XXXX XXXX, XXXX you have to settle this lawless from you business, activites, this is not XXXX, what they did is XXXX style, just know how to rob and abuse customer, everytime I got thheir email and their letter my XXXX XXXX anf my XXXX XXXX level jump to over limit level ....
Thanks XXXX XXXX XXXX
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| 10/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
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|
Web |
Older American, Servicemember |
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XXXX XXXX XXXX delivered on XX/XX/XXXX, HOWEVER, XXXX XXXX now called XXXX XXXX locates in XXXX, PA ) I allege performed unethical, illegal auto sale taking advantage of a single older female. I hold two originals of all documentation pertaining to a XXXX XXXX ( complaint filed with CFBP previously against XXXX XXXX XXXX wherein XXXX actually had to call me for my SSN to find me in their system ; no resolution since they stated which is opposite to dealer paperwork that they did not possess the insurance policy costing me somewhere in the area of {$2300.00} with the dealer not being cooperative and some individual actually retitled car in XXXX, NJ unbeknownst to me and confirmed by XXXX in XXXX when they stated was I aware the State of NJ did not recognize me as the registered owner. XXXX XXXX was never cooperative after XX/XX/XXXX purchase and it took year of badgering them to receive the XXXX I should have received on XX/XX/XXXX. In addition, XXXX stated the model sold was misrepresented to me which caused a more expensive loan. I contacted XXXX but because I purchased the truck at a non-XXXX dealership they could not help me. I only recently handed in the tags to that truck in XXXX, NJ after going online to see the tags were bogus. For record purposes on prior CFPB complaint : no resolution except brief letter from XXXX ( which changed their name & address during the length of the loan ) stating the balance was paid off by XXXX and the title forwarded to them and never did they acknowledge the truck was indeed mine. This truck purchased after leaving an abusive spouse in XX/XX/XXXX is actually shown on the Divorce Decree as the vehicle I was entitled to leave withunethical and illegal since it was bought after I left spouse and during a two year separation no attorney filed a motion for financial support! I should have left with a XXXX XXXX XXXX XXXX presented to me at XXXX of XXXX in NJ ) which was sitting on the showroom floor with a big red bow on it. I was handed the keys and congratulated on the car which my former spouse enabled on the day prior. Against family law regulations, never did spouse deliver documentation as to the XXXX as to whether it was leased or purchased nor would he meet me at the dealer to allow me to takeover the financing of the XXXX loan. This complaint actually encompasses all vehicles purchased during a 10 year marriage with ex a business owner and my first husband being a XXXX in various dealerships throughout his life. I am XXXX and incapable of trying to discover how all cats I purchased and paid for and believed to be mine but during divorce discovery is when I found out via XXXX XXXX from a fax sent to my second counsel that all autos were registered as business and registered to ex. Despite calls to DMV, XXXX XXXX, the manufacturers, the banks, calls to first spouse have yet to resolve a massive conspiracy of some sort whether its title washing, etc. which needs to be investigated so that the manufacturer knows I purchased one of their vehicles which provides discounts usually not given. Cars involved : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX truck, XXXX XXXX which I know was paid for via {$23000.00} laid out on purchase as witnessed by exs cousin XXXX XXXX who received a {$50.00} fee referral/copy of check in my possession ), XXXX and lastly the XXXX XXXX XXXX which as of this date XXXX refuses to note me as the owner with a major collision occurring on XX/XX/XXXX with the vehicle parked in XXXX, PA ) and towed away that date and not returned until late XX/XX/XXXX. XXXX notes collision under first owner. All other data falsified pertaining to me as the second owner. I have evidence to show there is another Indivifual using my identity to retitled this car in XXXX XXXX at the DMV in XXXX, NJ. In a fluke incident in going to FL earlier via XXXX XXXX, the XXXX Rep at the airport pulled up my profile and an individual who lived at XXXX, XXXX, NJ registered in their rewards program. It was later changed but that doesnt stop ongoing impersonation of myself. XXXX shows this XXXX was retitled in XXXX, NJ and I can only assume it was my impersonator who I found via XXXX which I had to shut down years ago ). Due to XXXX now XXXX XXXX refusal of all my calls ( one of which I recorded ) along with not cooperating with XXXX the XXXX carrier can not comply XXXX with the correct Purchase Contract since there are two originals involved both dated XX/XX/XXXX bs XX/XX/XXXX ; impossible delivery date based on insurance not binded until XX/XX/XXXX. Only XXXX in which I sent a handwritten 26 page fax which could not be sent online due to cybercrime to this day ) is the only entity that can confirm the statements made herein. XXXX XXXX the carrier fully liable for this collision should have declared car a total loss but it was myself who actually forwarded pictures of the collision to them AFTER the body shop started the work. Many other issues with communication between XXXX and XXXX caused months of financial hardship on my end ; a XXXX individual taken advantage of thruout my life time which I have read more times than not is the scenario for those of us XXXX. It is doubly hard for me with no family nor friends and almost losing my life on XX/XX/XXXX with my health forever deemed more compromised than before. Am sending this complaint only because I have access to WiFi while in rehab ), M & T Bank the lender verbally has stated this car is mine but they are basing their statements on what the dealer sent. Only by going to Florida this year that I discovered my impersonated and M & T would never know the car was retitled in XXXX XXXX in XXXX , NJ ) XXXX has now closed an approved GAP claim since I can not provide in good conscience one of the two Purchase Contracts which are dated wrong and the Odometer Readings are different between the two plus signed off by different individuals. I am entitled to a full refund but with M & t telling me to tell XXXX to do the leg work which will not happen and dealer refuses to cooperate to all parties and my refusal to ever retain another corrupt attorney ever again, I continue to pay for a vehicle that is a total loss, not being manufactured by XXXX as mine ( yet the DMV assures me its mine ) and buying it in XX/XX/XXXX at XXXX miles and presently has XXXX miles proves the lack of driving and time I had to use the car. No one would ever buy the car as even the initial XXXX does not know the rear was hit prior to purchase. I am resorting to filing a complaint against M & T as my only outlet to resolve GAP claim and this bank was used to finance the XXXX my ex bought during the marriage of which I have documentation to ).
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| 07/18/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am XXXX XXXX, a member of XXXX XXXX XXXX About XXXX XXXX Program Loan number XXXX I purchased a building located at XXXX XXXX XXXX, XXXX XXXX, MD XXXXUmder M & T Bank control XXXX M & T made 50 % of bridge loan for temperally applying for XXXX XXXX loan XXXX M & T bank agent XXXX XXXX has selected the XXXX XXXX XXXX as a XXXX XXXX loan application agency. XXXX XXXX was in charge of applying for this loan from the XXXX XXXX XXXX responsible for this XXXX XXXX loan application.
M & T agen XXXX XXXX say that the interest rate is 2.90 % and it will take about 60 days.
At first, everything was goig smoothly.
" From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX ; XXXX, XXXX XXXX Subject : RE : XXXX XXXX Closing Checklist Good Afternoon, I wanted to follow up on the checklist items below. Please forward them as soon as possible so we can make the next bond sale which is XX/XX/XXXX. IN order to make that we need these items as soon as possible because we would need to close by the first week or two of XXXX. The insurance will take time to get.
Thank you, XXXX '' Suddenly XXXX asked M & T bank to cancel the additional collateral at that M & T bank has.
Any it was repeately delayed and delayed.
Everytime whenever I ask XXXX XXXX whwn I am closing, He tolad me not to worry that it will happenson and Interest rate is fixed he said I will never loose any money.
XXXX XXXX from M & T Bank and XXXX XXXX, from both sides, there was no mention of financila damages of this loan procedure was delayed.
Finally I received XXXX approval.
" XXXX XXXX XXXX Attachments Tue, XXXX XXXX, XXXX XXXX to XXXX, me Good Afternoon, Attached are copies of the loan documents for your review. You do not need to sign these documents as we have sent signed documents to the title company for closing tomorrow. These are for review only.
If you have any questions, please let me know.
These documents can not be changed as they are XXXX approved loan documents. '' So asked for a three-way meeting.
As a person who asks for a three-party meeting, I need a convincing explanation. The reason why the XXXX loan closing has been delayed for more than a year from M & T explanation is completely different from What XXXX explained below. XXXX 's explanation is what I've been constantly hearing. M & T kept insisting that an issue with the bank taking the additional collateral was not a reason why the XXXX loan closing has been delayed.until today. I checked all the emails I received from M & T over the past year and there was no mention of additional collateral. M & T keeps saying they don't know the reason why it has been delayed. XXXX doesn't even know the reason. He says He need to ask XXXX after closing why it takes so long. If I shorten a long story, M & T has been saying that the once signed interest rate never changes every time I say I'm worried that the interest rate rate will rise if it's delayed like this. Now they say I should get a new interest rate raised.
I want to check if there was any messing during our conversation last year. '' XXXX XXXX explaination " We were not able to close until all due diligence items were received. There was an issue with the bank taking the additional collateral. We were waiting to see if they were going to release it when we pay them down. Once we were aware that they were not, we needed to take it as well. The bank can not have a preference. The XXXX turnaround times were running about 30 days for approvals. As soon as we got the approval we closed.
The rates are determined on the bond sale date, which is usually 45-60 days following your closing. Once your loan documents are recorded, we will be able to submit the file to XXXX for their approval on the funding. I will let you know your rate and payment information once it becomes available.
Thank you, XXXX '' Finally I was funded with with a loan of absured numbers.
It's over {$100000.00} financial damage.
What's even more amazing is that they got XXXX Approval without releasing additional {$100000.00} Collertial saving even though they keep inisting that The bank can not have a preference. How about a matter your client 's interest?
From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX ; XXXX XXXX XXXX Cc : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : XXXX XXXX Loan Payment and Rate Information " Good Morning XXXX XXXX, Your XXXX loan funded in todays bond sale ( XX/XX/XXXX ), and Im sending you the rate and payment information.
The effective full term rate is 5.299 %.
Your monthly loan payment of {$5300.00}.
Your loan will now become part of the CARES Act Debt Relief Program, in which the XXXX makes payments on your behalf for three months. From XX/XX/XXXX, to XX/XX/XXXX, you will not need to make a payment on the XXXX portion of the loan.
Your automatic debit will be activated on XX/XX/XXXX, and your regular payments will be deducted in accordance with your Amortization Schedule.
Payments to the XXXX XXXX XXXX XXXX M & T Bank, are not included in the Debt Relief Program so you will continue to make payments as usual, unless you have made other arrangements with the bank.
A few additional items : You will soon receive a small refund check from XXXX XXXX, the XXXX XXXX XXXX, that represents the rounding dollars in the loan.
Within the next few days, our Loan Closing Assistant, XXXX XXXX, will send the Conformed Note along with your regular Amortization and Prepayment Schedules.
Your loan will now be managed by our Servicing Team. They will contact you directly for an introduction.
If you have any questions, please feel free to contact me.
Thank you for using the XXXX XXXX program. Its been our pleasure to assist you with your closing! " To be abusured, Additionally, At 50 % of XXXX XXXX for temporally 1 year waiting for XXXX XXXX. As of XX/XX/XXXX, M & T Charged {$38000.00} late charge.
They blame each other for the reason why the loan was so abnormally delayed. XXXX blocks my mails and doesn't answer even if I leave return message. XXXX doesnt take my call. Her Boss says she quit the company this Friday.
They have caused a huge loss to me. Nevertheless, they didnt give me a detailes explanation of reason for damage and no effort to recover my loss even though I asked many times.
Whats more, these guys are trying to completely ignore and deceive your client. So I asked CFPB to investigate this total negligence and misrepresentation.
|
| 07/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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This is regarding M & T Bank, the XXXX XXXX Branch in XXXX, XXXX I just moved to XXXX, XXXX from XXXX and wanted to open an account at a local bank, as XXXX and XXXX XXXX are way too far to realistically bank at anymore. I met XXXX XXXX He gave me a business card of a female employee ; he was using her desk ) and the FIRST THING I told him was that I would be using the cashiers checks I was depositing to fund a home with escrow closing on on XX/XX/XXXX to make sure the money would be available to me in time. This was the FIRST thing I wanted to clarify. He assured me that it would be available no problem and told me about the home he just purchased. I actually used {$25.00} cash to open the account this first day.
I came the next day with the cashiers checks made out to my husband and endorsed to me and the teller, XXXX, informed me that my husband would need to be ON the account to do this or would need to come in in person. My poor husband used his lunch 1/2 hour to appear after being up ALL NIGHT on call at the hospital and didnt get to eat that day. Now, AGAIN, when I handed him the checks ( funny, I dont trust that people are being straight with me ) I wanted to make SUPER sure I would be able to access this money in time for my escrow to close. He assured me that it would be no problem, that the checks would be held for FIVE business days and be all mine after that, which was last Tuesday. I was shocked, since these were CASHiers checks ( literally has CASH in the name, so I was shocked they were being held AT ALL, especially since I sat right there for 20 minutes while he called both banks they were written from and they vouched for their authenticity ), but whatever. I know banks make interest on all the billions they are holding at any given time, but I digress. So Tuesday comes and I have to put my dog to sleep, so you can imagine I am not thinking about banking, and especially not worrying since I was ASSURED by TWO MEN in this branch that I would have the money in plenty of time, no problem.
I start bright and early at XXXX this morning at the XXXX XXXX branch and start the process with a gal at a desk there. I did not get her name, because I had no idea what a total nightmare this was going to turn into, but she didnt tell me lies ( although I suppose she might be trained to lie, like XXXX and XXXX clearly are by corporate : anything to meet those quotas! ). Nice lady. Anyway, I didnt have the routing number of my XXXX account and realized I had an appointment, so I had to leave. I came back one hour later with the routing number in hand and she informs me that I cant do a wire transfer from an account this new ( 8 business days old ) but that I could go to the XXXX XXXX branch, where XXXX usually works so he could authorize the transfer at his discretion. I drive over there thinking to myself, Hmmm.I told him I was buying a house, is he really so XXXX that he didnt t think to tell me I wouldnt be able to WIRE MONEY that soon!? Didnt he just buy a home? Doesnt he know there are WIRES involved?! Well, he was too busy to help and I was so upset by the time I finished with XXXX XXXX that I didnt even think to see if his customers had finally left. All I could think about was the LONG drive to and from XXXX that I now had to do and how MAD my husband was going to be at me. Im getting ahead of myself. She told me since I couldnt get a wire, perhaps a cashiers check or official check XXXX no word about the 10 day hold being applied to THESE ). My alerts went up about how that would only get held and I didnt have time to waste on another 5 business-day hold. I called XXXX and asked how that would go, XXXX gave me her card and said they could call her directly to release the funds and the man at XXXX said that would work but couldnt 100 % say it would be immediate so I opted for green money, real cash. XXXX was away from her desk for 10 minutes and came back saying they couldnt find that much cash even from all 4 local branches by today. OK, there goes that idea, lets just do a cashiers check. Shes gone another 10 minutes and tells me that XXXX XXXX at the XXXX XXXX Branch XXXX deposited the cashiers checks wrong, so you should drive to that branch and see him personally. By now, I am dumbfounded, have texted my husband who is blowing me up via text and I am just blind with fear and worry and frustration. I dont even think to see if XXXX is available.
I drive to the XXXX XXXX Branch in XXXX XXXX. XXXX asks for my ID. NOW he says he cant give me a cashiers check because my license address doesnt match the address on my bank account and asks me WHY..Um, because I moved. People move ; its quite common. This is what I brought XXXX to open my account with. At this point, I feel as if I am being messed with intentionally. Every person has told me a DIFFERENT reason why I can not access money I was ASSURED multiple ways by TWO MEN in this branch that I would be able to. He says he needs to call the security department about the ID. ( Side note on your security department : XXXX was able to open my account with my name spelled wrong, just saying, their security seems to be lacking ) Then I offer up my social security card I have in the car with the current address and married name on it to verify, which is what XXXX used to open the account and he says, Im going to wait for her to call me back, plus the money needs to have been available in your account for 10 business days anyway, so I cant do it either way. I can barely SEE STRAIGHT at this point. It really seems like this money is simply being kept from me with ever-changing stories. I thought that was the WIRE TRANSFER rule. Now, all of a sudden its also a cashiers check rule. And when I logged on to set up XXXX, thats blocked as well. I spent MORE time on the phone with 2 different representatives who couldnt remove the XXXX block. They said I needed to do it in the branch.
This is a complete .sorry, I cant think of any non swear words to describe this situation. These two men are LIARS or XXXX not knowing their own banks policies. I want know why both of these men are not aware of it when they are being handed money but well aware of it when money is being requested. I opened another local account in the midst of my 4 trips to your 3 branches today and they were DUMBFOUNDED at this practice you have. I have spoken to XXXX and XXXX XXXX about this and THEY are scratching their heads. This is CRIMINAL.
|
| 08/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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In XX/XX/2020 I reached out to M & T Bank regarding any help or payment options they could offer due to the fact my income was significantly impacted due to the COVID-19 pandemic. In an email I submitted from M & Ts message center on their online site, on XX/XX/2020, I made it very clear that I did not want any product or offering that would be associated with a forbearance. A representative then called me and explaining that I was being offered a 6 month deferred payment option. It was made very clear that I would not have to make a payment until XX/XX/2020, and that the payments I didnt make for XXXX through XXXX would be deferred to the end of my loan with no fees, penalties, or negative impact to my credit. When they assured me over the phone that this was not a forbearance and even went as far to explain that there were mtg companies out there that were offering relief but only to put customers into a balloon forbearance where all payments would have to be repaid immediately following the waiver period, they assured me M & T did not operate like that with their customers. I felt comfortable enough at that time to initiate the deferred payments. Further more, I received an email reply thru M & Ts messaging feature on their website following up on my email I had originally submitted. I replied back indicating that I had spoken to someone and that I was assured I would not be entering into a forbearance.
Fast forward to XX/XX/2020, I am receiving calls from M & T, which I missed. Voicemail last are left so when I return the call I am led through a recording indicating my call is an attempt to collect a debt anything I say or provide can be used to collect a debt. When the representative finally comes on the other line, after verifying all of my personal information, he asks me if I am still being impacted from COVID 19. And he continues to ask me in a way as if he is trying to lead me down a road to say yes so that I will continue to not have to make payments or give him the answer he needs to hear to grant an extension of deferred payments. He indicates that Im still in forbearance and that I may qualify for an additional 6 months of payment relief if I am still impacted. I am appalled by the fact that they were trying to encourage me to answer a certain way so they could continue string me along hoping to either gain additional late fees or impose penalties if I slipped up and was not able to make payments on time. I also immediately asked if my account reflected a forbearance and after the rep answered yes I immediately informed him that I was told I was granted a deferred payment plan. He insisted that was not the case. I finally was able to have him verify with a supervisor the facts of my account and after waiting on hold he did come back on the line and assure me that yes, I was in a deferment. I informed him that my intentions were to resume payments that were due XX/XX/2020 as I was instructed to do so from the beginning. However that comment was met with a reaction by the rep that I would need to call back in prior to making the payment to make sure I was no longer impacted by the economic loss of COVID-19 and that I could still request an additional 6 months of no payments. Again I assured the rep that I would be making that payment. It was as if he knew that nothing changed on my account and M & T was still showing my account as part of a forbearance.
I have now received a second phone call on XX/XX/2020 similar to the call I received in XXXX. Again asking me all of the same questions to almost guide me into asking for more time before repayments began. This time though I was more aware and not caught off guard by their questioning. And I demanded to know if my account showed that I was in a forbearance. The rep indicated that it was. After re-explaining everything again to her up to that phone call, she put me on hold a couple times to get more support from her supervisor. She came back on the line to confirm she saw all of my emails and notes from prior phone calls that show I explicitly asked not to be apart of a forbearance plan. I told her I felt deceived, manipulated, lied to, and misled. I think she felt genuinely upset because of the situation M & T put me in. She became very soft spoken and apologetic and insisted on transferring me to her supervisor where she asked me to re-explain my situation with the same emotion. She apologized profusely and acknowledged again the many times I asked not to be placed in a forbearance and was assured it was a deferred plan.
Speaking to the supervisor was a complete waste of time. She continued to pressure me into believing that I would be considered to have deferred payments at the end of my forbearance but that my account would always show I was in a forbearance period/program. She continued to threaten me with statements that if I asked to be removed from the forbearance that all late charges payments and interest would immediately be applied to my account for the payments not made since XX/XX/2020. I reiterated over and over that I was assured I was in a deferred plan from the beginning. She tried to say I was notified in XX/XX/2020 XXXX even though that phone call end with assurance I was not in a forbearance plan ). It was as if nothing I said was going to change my account. After going back and forth for a long period of time and asking to speak to her supervisor, she finally indicated her supervisor, XXXX, was in a meeting and didnt know when she would be able to speak to me. The rep said that XXXX would have to call me because she had no direct line or email that I could speak to her through. As of the time of this complaint XX/XX/2020, I have still not received a call back. I feel completely deceived, I feel they manipulated me, told me one thing but set me up for something completely different and unwanted. I feel they are using predatory practices to take advantage of customers and I feel this will have a negative impact on me and my financial situation for a long time. They are taking advantage of me and who knows how many others at a time that we are all vulnerable and trying to figure and deal with extreme uncertainty. I sincerely hope you use all of your authority to do what you were enacted to do and protect consumers like myself and many others who may not even be aware of what is being done. Thank you.
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| 08/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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M & T XXXX INCORRECT ESCROW/INCORRECT MORTGAGE INCREASE COMPLAINT M & T XXXX has sent a monthly mortgage payment statement to us with an increase of approximately ( {$3300.00} ) starting the month of XX/XX/XXXX, based on Inaccurate Insurance Payments and Inaccurate and Unfair Escrow Payments Increase. Please See Attached XXXX Statement Forms.
We are requesting that M & T XXXX/Bank correctly adjust the monthly mortgage payment. Which should be approximately same as last month ( {$4.00}, XXXX ). Until it returns to its approximate ( regular ) payment of approximately ( {$4400.00} ) in a few months, based on a temporary [ increase of payments ] for approximately a year or so to make up for a specific escrow cost.
And request M & T correctly adjust the Escrowed Taxes and Insurance based on the correct normal yearly amounts. As shown in the Escrow Chart below from an original ( M & T XXXX/Bank Statement ) Please See Attached Escrow Statement Form.
After we have put together [ {$30000.00} ] ourselves and had the property re-roofed, M & T Bank/XXXX is now requesting we pay ( {$29000.00} ) Escrow Shortage to our escrow account ). Which is based on Inaccurate Calculations and Information from M & T XXXX/Bank.
Which M & T Bank assisted in that shortage by refusing approximately ( {$4000.00} ) returned by our insurance company in ( approximately XX/XX/XXXX ) due to cancellation. Which M & T refused to let us have, even after we stated we had put together mostly all the money to re-roof the property. But was short approximately ( {$4000.00} ) which would have allowed us to be able to signed the roofing contract to get started on re-roofing the property months ahead, but M & T did not let us have the insurance refund.
The [ Annual Disbursement ] and [ Escrow Projection ] that M & T XXXX is utilizing and basing our ( XXXX ) Escrow payments on is very much inaccurate, based on the following : The Hazard Insurance will no longer have a reason to be a ( Forced Placed ) projection because we have placed a new ( {$30000.00} roof on the property ) which was the reason the insurance was forced placed/from cancellation of a bad leaking roof to start with. And only half or less of that ( {$14000.00} ) should have been used for forced insurance because that is a yearly policy charge, ( and the insurance lost was approximately six ( 6 ) months ). Also, there was a {$4000.00} ( refund returned from the insurance company ) kept by M & T XXXX.
And the ( {$1.00}, XXXX ) other insurance ( showing under M & T escrow disbursements ) is not a part of my ( XXXX ) coverage.
The ( {$7000.00} ) under the disbursements, I assume, appears to be my policy coverage amount for ( XX/XX/XXXX thru XX/XX/XXXX ). I believe it to be approximately {$500.00} more, according to the insurance agency.
Below are the Anticipated Annual Disbursements and Projected Escrow Balance Summary taken from M & T Bank/XXXX Escrow Forms. Please See Attached Original Escrow Form ( s ).
M & T XXXX PROJECTED ESCROW PAYMENTS OVER THE NEXT 12 MONTHS ( XXXX ) Anticipated Annual Disbursements Insurance $ XXXX County Tax {$6400.00} Hazard Ins {$14000.00} Insurance {$7000.00} Total {$29000.00} Projected Escrow Balance Summary M & T Bank expects to pay {$29000.00} over the next 12 months.
Heres how to calculate your new monthly escrow payment : Total Taxes and Insurance {$29.00}, XXXX Divided by 12 months {$2400.00} *New Monthly Escrow Payment {$2.00}, XXXX PREPAYMENT PENALTY : ISSUE M & T put the words ( Prepayment Penalty ) on the XX/XX/XXXX Statement. There is no prepayment penalty on our Promissory Note.
When I asked the call center personnel reference the prepayment penalty on the statement, she expressed she had stated more than was allowed. She had only given very vague responses. So who are we suppose to discuss serious mistakes made like this on the property owners monthly statement with.
Serious important matters like this should not be left to a call center to handle.
CALL CENTER : Problem I spoke with the Call Center for M & T XXXX. It is not remotely qualified to answer the above type questions from my conversation with them, or they are trained to pretend they dont know how to answer certain questions. Was on the phone with them approximately ( 2 hours ), nothing answered.
HOW TO RESOLVE THE PROBLEM : We are requesting that M & T XXXX/Bank correctly adjust the monthly mortgage payment. Which should be approximately same as last month ( {$4.00}, XXXX ). Until it returns to its approximate ( regular ) payment of approximately ( {$4400.00} ) in a few months, based on a temporary [ increase of payments ] for approximately a year or so to make up for a specific escrow cost.
And request M & T correctly adjust the Escrowed Taxes and Insurance based on the correct normal yearly amounts. As shown in the Escrow Chart below from an original ( M & T XXXX/Bank Statement ) Please See Attached Escrow Statement Form.
Also, we are requesting assistance to eliminate ( Escrowing of Our Property Insurance with M & T XXXX/Bank ) based on the reasons and the content of this complaint ( i.e. Extreme inaccurate based escrow calculations and, extreme unfair escrow money increase requests ).
Serious important matters reference mistakes of putting Prepayment Penalty on property owners monthly statements, should not be left to a call center to handle. Prepayment Penalty needs to come off statement.
Note : The Annual Escrow Disbursement and Projection should have been based on our ( current insurance policy or our property coverage from last year and County Tax ). All the more reason M & T Mortgage should hand over the [ insurance part ] of our escrow to us ( the property owners ).
Also, after we the property owners ( scratch, scraped and broke our backs ) to put together ( {$30000.00} ) to put on a Badly Needed New Roof ( re-roof ) on the property, which M & T turned down any kind of financial request we asked of them. It is extremely Cruel for M & T Mortgage to turn around and ask us ( the property owners ) for ( {$29000.00} ) in Over The Top and Inaccurate Escrow Payments.
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX M & T Corporation XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX M & T BANK XXXX. XXXX XXXX XXXX, NY XXXX XXXX https : //www.mtb.com/XXXX
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| 05/12/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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XXXX. Complain- Escrow/Taxes.
On XX/XX/XXXX my husband and I spoke with XXXX at XXXX. We asked about having the property tax portion of our escrow removed. This requests comes from 2 aspects. 1. M & T only paid the 1st installment of our XXXX property taxes? 2. We asked to have property tax portion of escrow removed as the State of Wisconsin Department of Veterans Affairs reimburses property tax payment once we file our state taxes and send proof of county property tax bill and payment made.
M & T bought our mortgage from XXXX with first payment due in XXXX. In XXXX I inquired via online message in digital account how M & T would be paying property taxes ( mailing directly to county or check to us with county listed ). Received no response from M & T.
It was in conversation with XXXX from the tax department on XX/XX/XXXX at XXXX that first it was upon how the county bills ( which you get same bill I do- either pay in full or in installments ). I stated at this time I am not sure why every year until now our taxes have been paid in full and now for some reason M & T is split paying? It was then explained that I elected at the end of the year? I asked when and how this was done as M & T first bought this mortgage in XXXX and have never mailed any type of correspondence to M & T and all my payments are made to you through the ebill at the bank. XXXX could not provide me with any details of my electing this- time or day request was sent or where I had signed. So, M & T then apparently fraudulently elected this for me? I asked further for escrow to be removed because M & T should not be allowed to dictate how I will handle my finances. I stated I would have went to city hall and paid in full if this was the case. This is when XXXX stated she could change this election.
2. We sent the proof of paperwork regarding reimbursed property taxes to XXXX on XX/XX/XXXX via uploadmytaxdoc which she verified were received. Customer service XXXX stated if escrow was condition of loan it could not be removed. Not as a condtion as an election it was stated on original loan paperwork to have escrow " for now and in the future it may be able to be cancelled. '' What would a condition of the loan be? Is it not something that is required in order to be able to have the loan rather than the choice of the loanee? Under escrow accounts on M & T website under escrow account can I close my escrow account, or pay my tax or insurance bill myself it states " If an escrow account was established as a condition of your mortgage, or later added to pay past due taxes/insurance on your behalf, removal of escrow would not be permitted ''. I would like someone from M & T to read our original mortgage paperwork and explain to me what the " condition '' is that now makes removal of escrow void.
3. Both XXXX and XXXX stated within 7- 10 business days were would be informed of a decision. This was on XX/XX/XXXX to date no response.
4. From the conversation on XX/XX/XXXX and XXXX selecting we want taxes paid in full on XX/XX/XXXX we received escrow analysis stating a new payment of {$1700.00} due on XX/XX/XXXX. Page 3 of 4 states the escrow shortage of {$3500.00}. No where does it list information on what payment would be do we choose to pay shortage in full. On XX/XX/XXXX M & T cashed our mailed check for {$350000.00}. No statements or other letters had been sent or received since XX/XX/XXXX at which time it said XX/XX/XXXX payment would be {$1700.00}. Having paid the shortage we then sent the previous mortgage payment of XXXX.
XXXX. On XX/XX/XXXX, a letter was sent out stating we owe {$66.00} as our monthly payment is now {$1400.00}?
XXXX. XX/XX/XXXX I called XXXX and spoke with XXXX at XXXX. My inquiry was to find out why I had not received any information from M & T stating the new payment amount until after they cashed our payment on XX/XX/XXXX. XXXX stated she could only see the escrow letter sent XX/XX/XXXX which we received on XX/XX/XXXX and that letter said our monthly payment. I tried to explain nowhere on this letter does it say anything about {$1400.00}. I am not paying {$1700.00} when I paid shortage in full nor should I have to guess what my payment is- it is your duty as a company to inform me and it was not until XX/XX/XXXX after payment was due did you do so. XXXX further stated she had no record of any letter sent XX/XX/XXXX that discussed owing {$66.00} or new payment of {$1400.00}. How if it came from M & T does your company not have records of sending this? I then asked to speak with a manager.
XXXX. Conversation with manager- XXXX XXXX XX/XX/XXXX at XXXX. Only thing XXXX could offer was an apology that a letter was not sent out and could send one now, however, I would be getting a statement in 2 weeks. I asked when analysis was sent out every other mortgage company we have had listed the new payment for not paying shortage and payment if paid in full. This analysis listed none. Almost like once M & T made the decision we would not pay and telling us here how you will pay by increasing monthly payments over 12 months. I was informed that financial institutions are no longer able to include new monthly payments with shortage payoff or include payment tickets for this. XXXX was only able to state this changed " sometime last year. '' Our issue is that from XX/XX/XXXX to XX/XX/XXXX M & T failed to inform us of the amount of new payment nor explain why our payment increased from {$1400.00} to $ XXXX. Oops sorry our bad we didn't send is not an acceptable answer. I was then asked if I wanted to pay the {$66.00} today. I feel that the failure on your behalf to inform me of this change requires M & T to pay or remove the {$66.00} until we are informed of the rate owed in writing. This needs to be shown by M & T prior to XXXX XXXX my online screen shots show nothing of this as well XXXX and XXXX state there is none.
It truly appears from the lack of response from my XXXX digital message regarding taxes, the fraudulent changing from yearly to installment property tax by M & T, the lack of response to cancelling of escrow and the lack of response regarding new monthly payments that M & T continuously fails to communicate with their consumers as well as showing a lack of financial support or best interest of the consumer.
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| 01/13/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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During the summer of XXXX I attempted to send money via my M & T bank account and XXXX and could not due to a pop up that stated my account was already used to another account and please contact the online banking department. I made that call and after XXXX hour of them trying to determine what the problem was I was informed a ticket would be submitted to the IT department and I would hear back from them. XXXX months later I attempted to use XXXX again and got the same pop up. I again contacted the online banking department and went through the same process and again was told a ticket would be created with the IT department and I would hear back from them. On Friday XXXX XXXX I again attempted to send money via XXXX and got the same message so I decided I would go to my M & T Bank on XXXX XXXX in XXXX.
Monday the XX/XX/XXXX at XXXX I went to the bank and meet with the branch manager ( XXXX XXXX XXXX and showed her the pop ups I was getting on my account and explained what was happening. She proceeded to contact someone I believe in the IT department and explained what was happening with my account. After over an hour she received a telephone call informing her the problem was with XXXX. XXXX then attempted to contact XXXX and finally got in touch with a person - XXXX. She explained to him what the problem was and gave him my phone number and he returned the call to me. He then had me load the app " XXXX '' so he could view my transactions and proceeded to have me do multiple transactions on my phone with my account all the time XXXX was monitoring my account and no transactions appeared. After over XXXX hrs he informed us he was going finalize the problem and I would be getting a telephone call in the near future from XXXX XXXX authorization department. Having spent over XXXX hrs in XXXX 's office and taking up her time she suggested I go home and wait for the call. I returned home and within XXXX minutes I received a phone call from ( XXXX ) and was told he was XXXX from XXXX 's authorization department. He said seeing how I already had the app XXXX he had me open the app and he started to do transactions. I checked my account and no money had transacted. After a short time he informed me I would need to download the XXXX app which XXXX used to complete the authorization. After it was loaded on my phone he then informed me I had to go to a XXXX ATM and the nearest XXXX was at XXXX on XXXX XXXX and once their text him to let him know I was there. Once at XXXX I texted him and he had me on speakerphone and instructed me to do multiple transactions of {$990.00} ensuring me would resolve the problem. I again checked my account and no transaction had been processed. Be advised that all this time because I the XXXX app he was able to watch what I was doing. He informed me to ensure the corrections had taken place with my debt card and it was authorized I needed to purchase {$500.00} XXXX gift card which would be refunded to me. I made the purchase which he was able to see on my phone and said he would do a final check and call me to let me know all was working. I returned home and checked my account and still no transactions had been processed. Within XXXX minutes I received a call from XXXX stating he could not complete the authorization as my bank account was linked to my wife 's account and the same procedure had to be completed with her debt card. I informed him my wife was at work and would not be home until after XXXX and he said text him when she was home. When she arrived home we texted him and he had her download the XXXX app on her phone and again started to transactions. He then informed me that the same procedure had to be completed at the XXXX ATM with her debit card. Again I went to XXXX with my wife 's phone and at the XXXX ATM with him on my wife 's speaker phone and he instructed me how to do multiple {$990.00} transactions. Once the transactions had been completed he informed me within an hour the XXXX issue would be resolved and the authorization would be completed.
I returned home and both my wife and myself checked our bank accounts and found XXXX - {$990.00} transactions had hit her account and XXXX {$990.00} transactions had hit my account.
On Tuesday XX/XX/XXXX at XXXX I was at the M & T Bank XXXX XXXX XXXX XXXX transaction receipts and again sat with XXXX . I explained what had happened and she contacted I believe M & T Fraud department and explained to them what had taken place. After about an hour I was informed that I was at fault as I had used the debts card and did the transactions on XXXX and due to the level of compromise of the accounts the bank could not protect us so rather then closing the XXXX accounts and opening new accounts a business decision was made that we were to close our exising accounts and find another bank. XXXX made copies of the XXXX receipts for her records and she informed me that due to me using the debt cards it was highly unlikely we would be able to get the money back. She then had our debt cards and accounts put on hold and started the procedure of closing our accounts and had the bank issue us XXXX checks with the remaining money in our accounts. I was told we would receive a letter informing us officially in XXXX days accounts would be closed. We have since have gone to another bank and opened new accounts.
On XX/XX/XXXX I received a telephone call from XXXX from XXXX XXXX the banks Fraud Investigation Department asking me to walk him through what had transpired. After explaining the entire procedure what had taken place he informed me informed me that the bank would review what had transpired and we would be notified.
On XX/XX/XXXX we received letters ( XXXX for each account ) from M & T stating my account was provisionally credited {$4600.00} and my wife 's account was provisionally credited {$4900.00} pending the findings of the investigation.
On XX/XX/XXXX we again received XXXX letters ( XXXX for each account ) informing us after a review of our accounts and a thorough investigation it was determined the transactions in question were processed correctly and no error had occurred denying our claim and the provisional credits to our accounts were being reversed.
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| 10/28/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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Due to Covid-19 I became behind on payments. I received a call from from M & T Bank on XX/XX/XXXX, asking if I had been affected by Covid-19, ( I said yes ) and unable to payments to complete an Hardship application and submit it for immediate help. I was told to email the application to XXXX. M & T Bank called me on XX/XX/XXXX at XXXX I missed the call and called back on XX/XX/XXXX at XXXX in which I was asked if I had completed the application and I said yes, I will email the completed application over ASAP. I sent the completed application on XX/XX/XXXX at XXXX via email to XXXX. Then on XX/XX/XXXX I received a call at XXXX XXXX from M & T stating that they never received the hardship application. I advised the rep that I indeed did sent the completed application on XX/XX/XXXX at XXXX XXXX to the email address that was provided on the application ( XXXX ). The rep stated that they never received the application and that I needed to resend the application along with the supporting documents. I then said okay I will resend via fax and email. I confirmed the fax number ( XXXX ) and email ( XXXX ) with the rep and I resent all the documents including the application and supporting documents to the fax number at XXXX on XX/XX/XXXX and via email at XXXX. I received no error messages from either the email or fax number. On XX/XX/XXXX at XXXX I called M & T Bank inquiring about the documents that were resent via email and fax, and the rep told me that they were received and being review by underwriting and I would receive a call within a week of the decision. On XX/XX/XXXX at XXXX, I called again M & T Bank to inquire if a decision had been made on my application and I was told that underwriting had no made a decision and that the rep would send an escalation email to get a response on the decision ASAP because they thought it was unusual for underwriting to not have a response by now. I didn't trust what the rep told me so I again called M & T Bank on XX/XX/XXXX at XXXX to inquire if the escalation that the sent in the prior day had been review and if there was a decision made so that I can keep my home. I was told that there was no decision just yet and that I should expect a call in the next five days. Still no call from M & T on XX/XX/XXXX so I called again on XX/XX/XXXX at XXXX. I was told that no decision had been made and that she would escalate my case to the underwriting department and her supervisor to get an answer ASAP. On XX/XX/XXXX at XXXX XXXX I again inquired about my hardship application and I was told that there was still no decision made on my application/case and that she would apply for an addition forbearance until XXXX or XXXX of XXXX for me and that I wouldn't have to worry about payments until then. Well I was concerned about this move because that meant that I would end up owning more money that I would be able to pay for back payments by pushing the forbearance to XXXX or XXXX of XXXX. I felt like this was a set up for me to lose the home I raised my three kids in for the last 5 years. I asked why hasn't my case/application hadn't been reviewed and I was told that she didn't know but the underwriting would add notes to my account once they had review the application and supporting documents and tot just be patient. I then on XX/XX/XXXX I received a call from M & T advising me that my forbearance had been approved until XXXX of XXXX ( short call only 1 min 37 secs ). I then called again on XX/XX/XXXX at XXXX inquiring if the underwriting department had made a decision on my application and supporting documents and I was told no but not to worry because I had a forbearance. I again expressed concerned about the amount of cash I would have to come up with in order to save my home once the forbearance was over and I was again brushed off because I had an approved forbearance and to wait until underwriting made a decision. The today on XX/XX/XXXX I received a call from M & T at XXXX from rep XXXX XXXX Calling to inform me that my forbearance has been approved ( knew this already ), however my application and supporting documents are no longer valid because its been over 90 days and that I needed to resubmit a new application and supporting documents in order to be considered for a loan modification. WELL EXCUSE ME WHAT!!!! I was extremely upset. I had done what everyone one in the financial world says to do, which is to contact my bank and complete a hardship application and allow them to help me through this difficult time. I did what I was suppose to do and I completed and submitted my hardship application and supporting documents not once but twice because they claim they never received them. Why in XXXX 's good and hold name did they not review them at all????? The rep XXXX told me directly that the intake reps never reviewed them or referred my application and supporting documents to the underwriting department. And that he could escalate the issue but it would make no difference because my application and documents have expired and I would need to resubmit regardless of what I had done prior. I support three kids and I live in a redline neighborhood so you can imagine how proud my mom and grandparents are that we were the 1st XXXX family to buy a house in my neighborhood. Now after I had a difficult time making payments and reached out to my bank for assistance and completed the necessary paperwork, they get to drop the ball and I get to pay over $ XXXX all at once because they want to let a forbearance carry me into a new year. I guarantee you if I was a white women or any women other than XXXX American, my application would have been approved in the recommended timeframe ( 7 business days ). This is not fair in any sense. I did my part and the bank refuses to do their part. I would like the bank to approve the original application and supporting documents that were sent in on XX/XX/XXXX and push all missed payments to the back of my mortgage. No one should have to suffer the stress and heartache that I have suffered during a stressful time and especially if they followed all the rules and timelines. If needed I have all emails, faxes, and phone records for review.
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| 06/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I, XXXX XXXX XXXX, consumer whom in cometent and of sound mind and age, is filing this comolaint under my own accord. I all statments made are true and accurate to the fullest extent of my bielief. After reviewing my account, the I notice there was a billing error that occurred in the amount of {$46000.00} for XXXX and XXXX. I am curious to know as to how this may have occurred knowing that M & T Bank is honest and would ensure my account does not have any fraudulent activity. As you may be aware that the my social security number also known as a credit card as mentioned in 15 usc 1602 ( L ) was used to fund this open-end credit plan from my XXXX XXXX account with the US Treasury XXXX According to 15 usc 1692J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. This is considered fraud According to 15 usc 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to acreditorin excess of the total balance due on an account, ( 2 ) rebates of unearnedfinance chargesor insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, thecreditorshall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by thecreditorand can not be traced through the consumers last known address or telephone number. I had a balance that exceeded {$1.00} several times over the history of having this open-end credit plan account.
I am is also aware that at closing both the note and deed are suppose to be recorded at the county recorder but only the deed has been recorded. The Affiant is also aware the the Original Promissory note was securitized and traded. Once the Note is securities, M & T Bank is no longer the Holder In Due Course. I requested that M & T Bank send me the Original Promissory Note but was sent a copy instead. The copy displayed a notary stamp and signature that was not on the original copy of the Promissory Note, which is deception.
According to 3-603. TENDER OF PAYMENT, tendered payment by submitting the remittance coupon that has been signed with the beneficiary endorsement on the back of the remittance coupon for payment but yet the balance remained unchanged. If tender of payment of an obligation to pay aninstrumentis made to aperson entitled to enforcethe instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of anindorseror accommodationpartyhaving a right of recourse with respect to the obligation to which the tender relates. The fiduciary duties of the Trustee has not be carried out at the direction of the beneficiary. According to UCC 3-309 ENFORCEMENT OF LOST, DESTROYED, OR STOLEN INSTRUMENT, you have not returned the instrument which was the remittance coupon, submitted to M & T bank for UCC 3-311 , ACCORD AND SATISFACTION BY USE OF INSTRUMENT of this alleged balance. This instrument is now considered stolen and assumed securitized for its non return. 18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. I used used Federal Reserve Notes as tender of payment, which according to the Federal Reserve Bank, is considered a promise to pay and not lawful money. According to the 12 USC 411 The said notes shall be obligations of the United States and shall be receivable by all national andmember banksand Federalreserve banksand for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States.The Secretary of the Treasury shall pay interest due or accrued on the public debt. Also 31 usc 3123 ( b ) As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than XXXX year, with or without a rebate of interest on the coupons.
Your company has created the false believe that I, the Consumer is obligated to pay this debt using Federal Reserve Notes or Floating Rate Notes, which is false and is considered extortion under 18 usc 1961. The United States is obligated to tender payment and it is Federal Law that when my credit cardsocial security number was used, it fully funds my account. XXXX has not received any disclosure separate from my billing statements XXXX days before the statement date I am requesting that the full amount be credited back to my account and that any form of tender of payment that has been submitted since the origination of the contract submitted by me, must be refunded to the me in a good faith effort, in the form of a check sent to the address above as according to federal law 15 USC 1666D. Going forward I am requesting that all billing statements with balance in excess of {$1.00}, be discharged by the obligation of the United States as stated above.. As the law states, you have 30 days to do you investigation into this error. Thank you
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| 08/27/2020 |
Yes |
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Web |
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FHA mortgage had mandatory HUD counseling.
Approval was given for 4.25 interest rate with {$670.00} monthly payments.
This was changed when my mortgage changed hands to M and T Bank From XXXX XXXX DBA/AKA XXXX XXXX XXXX a Division of XXXX XXXX XXXX.
Consumer counseling explained that my mortgage included automatic streamline built in that parallel current set lending rates at market value.
Every attempt to streamline require out of pocket expense beyond my means and {$10000.00} or more added to the principle of the mortgage as well as a new 30 year term.
The loan originator claimed that the price of the home was {$30000.00} over the price for the area and that XXXX XXXX XXXX was preparing a counter offer.
The seller hired a contractor to bring the property to code. The Department of Housing and Community Developement is accepting bids for a grant that will sure the decks and replace windows and add energy star window air conditioning units and provide downspouts and gutters whiloe repairing Vinyl sidding and replace the roof and encapsulate the uttility closey that is open to the elements under the uttility closet is open to the elements.Also there is lead paint removal in the scolloped painted area of the peak over the second floor deck.This deck also needs to be attached to the house at the outside wall.
All of these issues and the outside door to a bedroom were paid for by the seller and the contractor, XXXX XXXX XXXX XXXX was paid {$3000.00} and this was incorporated into the figures on the loan origination. There is also a downstairs door on the utility closet that was paid to have been reinstalled by a licensed contractor. I have had XXXX XXXX XXXX XXXX XXXX me a {$400.00}. amount to bring my stairs to legal standards. This was just done last week by a licensed contractor.
The XXXX XXXX XXXX XXXX replaced the documented failed septic in XX/XX/XXXX.
I have occupied these premises since I had an approved offer to purchase XXXX XXXX.
I was told when the offer was made, that preoccupation would not be charged as long as I purchased the property at XXXX XXXX XXXX XXXX XXXX, Maryland XXXX.
I was told that I needed to have the septic inspected even though it had already been inspected and it had failed.
I hired XXXX XXXX XXXX, of XXXX, Maryland to inspect.
They came in XXXX and claimed that the septic was failed. A certificate was issued and filed with the county. A copy was sent to the lender as part of the qualification for a {$5000.00} grant for XXXX XXXX had obtained for me.
I had to spend {$1300.00} in order to satisfy the grant of {$5000.00}.
I paid the appraisal fee.
I had a pre-purchase inspection completed.
XXXX had a copy of the report and left before completing the paid for work.
I had completed my financial responsibility when at disclosure 72 hours before settlement set for XXXX XXXX I was informed that a {$1800.00} charge was Required at settlement. The seller had promised to repay the cost of the refrigerater that I had purchased as asked by the seller in order to pass the appraisal.I also was expecting my rent deposit of {$1000.00} returned from the seller.The seller refused to return the deposit of {$1000.00}.
The XXXX XXXX XXXX, DBA/AKA XXXX XXXX XXXX demanded the {$1800.00}.
They offered a reworking of the settlement with a 5.75 Percent interest rate at the last minute. This increased my monthly payment to {$880.00} monthly and added approximate cost of {$30000.00} to the purchase overall costs.
I am a XXXX person on XXXX retirement from XXXX. My spouse is also a XXXX person and our minor children are also XXXX.
M and T Bank perchased this mortgage from XXXX XXXX prior to my settlement.
M and T Bank and XXXX XXXX XXXX are prefered lenders in the Maryland Mortgage Program for XXXX persons.I was not offered a MMP XXXX loan product.
I was told that had I signed an affidavit that I would not work in Maryland that I would not be charged Property tax anally. I am XXXX and I am unable to work.
I am charged property tax on 1.5 acres.
! acre is protected marshland.
Disclosures were made about local seafood preparation yet no answeres were made about how high the tidewater extends.
The tidewater covers the entire lot.
All gardens are covered by salt and brine water, There is no area foe a 400 foot corral for a rescue horse.
There is no County help for biting insects.
There is no accommodations for XXXX property management and weed abatement.
The county watershed is not under any study.
The climate change and sea level rise is never disclosed.
GIS studies show that this property will be an island with the nearest shore in XXXX or XXXX in the next 30 years.
I need the weaterization and the completed work that was paid for with the purchase.
I do not need the grant if the Maryland standards are adherd to.R-19 is the law.
XXXX XXXX XXXX XXXX is the realtor and the Appraisor was from XXXX her name was XXXX. It was too far for her to get her boots at apraisal.She returned for a photo after XXXX had painted after XXXX quit. I believe XXXX XXXX to using lesd pait as it is not available today. He was paid to paint the peaks and all of the area.
One contractor decided that the chipping paint is lead yet no tests have been made to my knowledge.I can have it tested.
XXXX returned and took a picture while I was on the cell phone with the mandatory HUD consumer credit counceling required by underwritting. XXXX XXXX my buyer/seller agent wanted to know if I thought aht the appraiser was good looking.My response is that I think that she looked like a mother.I am in a relationship. XXXX did not get out of the car .She did not bring her boots as the XXXX XXXX XXXX was only interested in the chipped paint.
The counter offer was never made.
XXXX XXXX came to the property crying about his XXXX.
I need the correct amount that was approved by the HUD/FHA of {$670.00} and the work completed that XXXX stated.
The tide is not in considered. The mosquito are not disclosed.
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| 10/16/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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I am writing a letter of complaint below against M & T Bank.
I On Wednesday, XX/XX/XXXX, I had a package from M & T Bank that M & T Bank set up a new repayment plan and I found there is {$9700.00} of Bank Attorney fee and other charges for setting up another repayment plan. I had already a repayment plan set up ( M & T Bank v. XXXX, XXXX, Index No. XXXX ) in the year of XXXX and the bank said that the existing repayment was suspended due the returned check payment in XXXX, XXXX.
My repayment plan started XX/XX/XXXX and I've been paying every month over the phone with the help of XXXX of M & T Bank until now.
The payment of XX/XX/XXXX was supposed to be taken out on XX/XX/XXXX but I confused the date as XX/XX/XXXX and I only recognized on XX/XX/XXXX that the check was returned. Immediately, I called XXXX and M & T Bank to solve the problem and advised redeposit. XXXX Please see attached copy Doc # 1 of my phone bill to see that I called to M & T. ) Since XXXX was not in the office I left a message on her voicemail explaining what happened and asking for returning my call to redeposit and also called the other M & T staff. I asked the other agent to redeposit the check but he kept saying that the payment went through.
Finally, I spoke to XXXX telling what happened. She just advised me for the payment of {$7600.00} in XXXX and paid another {$7700.00} in XXXX.
I thought everything is fine since I've been paying the repayment every month and XXXX was taking the payment as usual. I don't know how much I should pay each month and that is why I called XXXX and she helped me. I did not know either the money I paid went to XXXX payment or XXXX payment since no one from M & T explained to me when I call M & T for the payment. Normally at the end of the repayment plan, the bank will recalculate all the payments and they will let me know the final balance.
Recently I've kept calling XXXX to arrange the payment and left a message and I spoke to the other agent for the payment and he said he can't take the money since the system doesnt allow and said I need to talk to XXXX about this issue. Both he and I left a message to XXXX and she returned my call. She said the system does not allow her to accept my payment and she will find out the reason.
Since I have no returning phone call from XXXX, I called her again and she told me since the check was returned on XXXX, the system is not allow and she need to ask to the bank attorney what to do.
At this point, since I don't know much about the bank system, I told her that I paid each month with her as she knows and I don't want to pay any more to the bank attorney and I insisted that I wanted to pay to the bank. She kept saying that she can't take the payment since the system doesn't allow and send my case to the attorney.
The above is the situation that I know of.
And the below is my defense.
1. I've been trying hard to pay each month. As you see the attached document, I misunderstood the payment date as XX/XX/XXXX and the balance was available there on XX/XX/XXXX and thereafter to pay the XXXX payment ( See attached Doc # 2 from the XXXX XXXX ). When the XXXX payment was returned, I've been calling so many time to ask for help and redeposit. I did not neglect the situation ( See the attached Doc # 1 from XXXX XXXX XXXX ) but I only had a chance to talk to XXXX on XX/XX/XXXX.
Neither XXXX of M & T Bank who I always spoke in each month nor I was knowing that there was an issue so I paid and XXXX received the payment as usual without letting me know what to do to prevent the suspension of my repayment plan. So I paid 2 more payment after XXXX without any objection and tried hard to pay XXXX and XXXX. And also I thought I am supposed to pay more at the end when the M & T finalize the XXXX repayment plan in XXXX, XXXX.
2. M & T should have let me know for the arrear before they stop and reissue the repayment plan with huge fees. It is obvious when people see my payment history that I've been paying each month without skipping. XXXX is the one who I always spoke in each month for the payment. She shouldve given me an exact payment amount and an answer when I asked her for help before she just sent my case out to the bank attorney for a new repayment plan.
3. The most important thing is that me and my husband can not afford to pay {$9700.00} of the bank attorney fee again. I've already paid the fee 2 years ago and this is the same case. I remember also, in XXXX, I was in the middle of applying for the mortgage modification with M & T Bank since we had a financial difficulty at that time but it was declined and all of a sudden we've received a foreclosure notice from M & T Bank and paid the bank attorney fee and other fee unneccesarily for setting up the repayment plan without other choices. I can't pay another {$9700.00} again for the same case at this point.
4. I am hardworking person and not a rich person. Last 2 years, we tried very hard in each month. You can see my bank account balance, mine always fall low the end of each month but we still working hard to keep the house and pay the debt to the other credit card company.
5. We want to pay off {$34000.00} or so of the balance of XXXX repayment plan and close the case by the end of XXXX. I don't need another repayment plan which costs money and time for us to struggling hard to keep the house. The M & T Bank suggested me for 10 % down and 36 month repayment plan on the new letter. That means in worst case, if something happens in next 3 years, if I miss even 1 month payment by accident ( I hope this will not happen ), the bank will stop the repayment plan and charge me another {$10000.00} fee again and again.
The law should exist against bad person who doesn't pay with bad intention or someone who neglect their duty.
But us, we were trying hard to keep the rule and keep the word.
Thank you for allowing me to write this letter of complaint.
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| 10/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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XX/XX/2022 TO : Consumer Financial Protection Bureau Dear Consumer Financial Protection Bureau : In XXXX of XXXX, my savings account was compromised. A total of {$5000.00} was stolen from my savings account by scammers/hackers. This was verified by my local branch manager. Immediately upon discovery, I contacted by phone the M & T 's Customer Service number. M & T instructed me to go to my local branch to file the complaint with the bank manager. The manager ( XXXX XXXX ) at the XXXX branch took information and told me he would take care of everything. The manager told me the amount scammed would be refunded/replaced back into my savings account in two-five days. That was the only information that was given to me at the time of my visit. There was no additional/further information given to me with regards to what I needed to do or what M & T Bank would do for me.
A few days later, the disaster hit.
1 ) My ATM debit card was deactivated by the bank. I could not use my card for withdrawals. I made another trip to M & T where the manager later informed me that my account was under investigation and my ATM card was no longer active. I was also told that I was required to make physical visits to the bank to deposit and/or withdraw funds in the future.
2 ) M & T manager told me he placed an order for a new debit card for me.
NOTE : To this date, I have yet to receive the new debit card.
I visited a second bank in the area ( XXXX XXXX ) and was also told a new debit card was ordered according to what was on file in the computer. I HAVE NOT RECEIVED A DEBIT CARD TO THIS DATE ). I am still being forced to physically visit M & T banks to make ALL BANK transactions. THIS HAS BEEN SINCE XXXX!!??
3 ) M & T has placed an inconvenient freeze on my checking account.
4. ) M & T has prohibited me from using my debit and credit cards.
5 ) M & T has stopped and caused all my XXXX payments for monthly bills to be declined. These payments included my monthly automatic payments via my checking account.
6 ) M & T has caused NON-PAYMENT OF CREDIT CARD BILLS.
7 ) M & T has caused a lapse in my XXXX life insurance policies with XXXX and XXXX XXXX XXXX. The XXXX companies now require me to pay via monthly paper invoices which is an inconvenience.
8 ) M & T has caused a default with my IRS Installment Agreement. Late fees have been assessed due to lapse in the monthly payments 9 ) M & T has caused late fees to be assessed on all of my credit cards including my M & T Rewards Visa Card.
10. M & T has placed a freeze on all three of my credit bureau reports. Recent Credit Card applications were declined due to the unauthorized credit freeze. M & T did not inform me of the credit freezes.
11. M & T has caused hard inquiries on my credit report resulting in applications for credit declined. ( due to authorized credit freeze.
12. M & T 's actions have caused all of my credit cards to be declined by vendors on-line and in person.
13. M & T 's unauthorized action has lowered my credit score ).
My life ( since XXXX of this yea ) r has been a total disaster. Most of it caused by M & T negligence. These inconveniences are extremely confusing and highly frustrating. It's been an extremely embarrassing situation and agonizing as I attempt to get my life back the way it was before this took place. I can't seem to get ANYONE TO HELP ME WITH THIS SITUATION. IT HAS BEEN SITTING STAGNANT SINCE XXXX. NO ONE HAS FOLLOWED THROUGH WITH WHAT I EXPECTED OF THEM. I GET PHONE NUMBERS THAT KEEP ME ON HOLD FOR LENGTHLY PERIODS OF TIME.
I DON'T MAKE ANY CONTACT WITH A HUMAN BEING VIA PHONE CALLS. JUST EPISODES OF MUSIC PLAYING.
All M & T cards are declined and still there has NOT BEEN ANY RESOLUTION. I STILL HAVE TO PHYSICALLY visit the bank to transact business.
To date, I have called the numbers given to me to speak to a bank representative. M & T has kept me on hold ( with constant music playing ) for over XXXX HOUR each time. I verified this by driving from my home where I placed the call to my local branch. When I arrived ( only a XXXX XXXX XXXX ) ; the call was still on hold upon arrival and departure. NO ONE EVER ANSWERED MY PHONE CALL! I brought this to the bank manager 's attention. She simply said, " hang up the phone now that you are here ''!
In all fairness, I request that M & T compensate me for ALL THE INCONVENIENCE AND HARDSHIP THAT I AM STILL SUFFERING AS A RESULT OF NEGLIGENCE AND THE POORLY HANDLING OF MY ACCOUNTS. I am asking for some form of compensation after all of this is said and done. This matter has drained and taking it toll on my physically, mentally, and emotionally.
I feel a fair resolution to these issues of negligence on M & T Bank should be considered and awarded. No one ( at the XXXX LOCAL branches ) took the time to inform me of the fact that my CHECKING ACCOUNT was frozen, CHECKING ACCOUNT WAS CLOSED, and my CREDIT REPORTS had an unauthorized freeze on them. THIS IS NEGLIGENCE THAT CAUSED ME UNDUE STRESS, ANXIETY, AND DISTRESS. THERE STILL HAS NOT BEEN ANY RESOLUTION. THERE HAS NOT BEEN A DEBIT CARD REPLACEMENT, EACH TIME I GO TO VISIT THE BANK, I AM TREATED AS IF I AM A CRIMINAL PROSPECT INSTEAD OF A CUSTOMER ESPECIALLY WHEN THEY TELL ME THERE IS A HOLD DUE TO THE INVESTIGATION OF MY ACCOUNTS??!!!
I have done banking with M & T for many years. I've been satisfied with M & T 's service up until this disaster. I have been treated unfairly and unprofessionally which is causing me UNDUE STRESS AND SUFFERING. I DON'T DESERVE THIS AS A LONG-TERM CUSTOMER WITH M & T BANK. THERE DECISIONS HAVE AND STILL ARE AFFECTING ME EMOTIONALLY AND PRACTICALLY. THIS MATTER CONTINUES TO BE AN INCONVENIENCE. IT'S TAKEN TOO, TOO LONG TO RESOLVE.
Please fix this situation so that I can get back to the satisfying lifestyle and pleasant banking experiences I use to have before this all took place.
Sincerely, XXXX XXXX XXXX
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| 01/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I began communication with M & T Banks Assistance Center Department in XX/XX/XXXX, in order to prevent foreclosure from occurring on the property that both my Mother, XXXX and I occupy. We fell behind with payments and bills due to my Mothers boss cutting her hours in XXXX and ultimately laying her off in XX/XX/XXXX. The woman I spoke to, who was incredibly friendly, suggested going into a forbearance plan, she said it was a new plan that they were offering for loss mitigation. She said she did not have the details regarding it though, but that it would lower payments so we would be able to catch up. Initially she said that wed be paying {$25.00} a month instead of our regular monthly payment. She processed the paperwork, which we were approved for. Payments then began of {$1200.00} a month until XX/XX/XXXX when we would have to reapply for an extension of the forbearance plan. At the time, my Mother was laid off XX/XX/XXXX, but was receiving unemployment. The extension was granted, the same amount for the forbearance, and the extension ran until XX/XX/XXXX. We also received notification that we had also been approved for a modification in XXXX of XXXX.
We received notice in XX/XX/XXXX to submit another application to Loss Mitigation in order to see if we would be approved for either another extension or a modification. The information was submitted on XX/XX/XXXX. My Mother had started a new job in the beginning of the month so her paystubs were then submitted to support any payment plan that would be approve.
I then received a call XX/XX/XXXX at XXXX from the Assistance Center , the gentleman on the other end said that we were denied a modification because the modification amount would be greater than the actual mortgage payment. When I asked what he meant, he stated that he didnt know, there was no clarification from the underwriter and that I should call back to find out.
I called on XX/XX/XXXX at XXXX to see if I could get further clarification and also to make the forbearance payment. I was in formed on this hour long phone call, that the forbearance plan was terminated due to my Mother now having a job, and that they still could not give me an answer as to why the underwriters said the modification payment would be more than the regular payment.
I stated that the termination due to employment of the forbearance plan was NEVER disclosed to me. I asked to speak to a supervisor, and it took some time to get him on the phone. I believe his name was XXXX. He said that the termination of the forbearance was due to it being a forbearance of unemployment. If this is the case, this should have been disclosed prior to application, the original forbearance was never disclosed as unemployment as my Mother had still been employed when we were approved. He did not clarify the denial letter as the information was not provided. He told me he would have to research it, and would call me by XXXX, XX/XX/XXXX to let me know what exactly it meant. He said that I had a right to appeal the denial, but I never received a phone call on XX/XX/XXXX.
I did appeal the denial but was sent a letter that it was incomplete.
I finally reached out to HUD, United States Department of Housing and Urban Development where I was matched over to XXXX XXXX XXXX. The woman I was partnered with, XXXX, offered to do a conference call with not only myself, but with M & T Bank as well. That call took place on XX/XX/XXXX.
We still did not receive clarification on the denial still but did have a new packet for the application sent to myself and my Mother. The letter stating that we had until XX/XX/XXXX to send in all the documents that were requested.
I e-mailed the documents on XX/XX/XXXX at XXXX. Everything that was requested was there.
Yesterday, XX/XX/XXXX, I received a letter from M & T Bank XXXX XXXX. The letter was dated XX/XX/XXXX. The letter stated that due to not sending in my application and the application being incomplete, they would be closing the case that was open.
I immediately called the Assistance Center to find out what was going on, because I knew for a fact that I e-mailed it in on time. The gentleman that I spoke to, XXXX XXXX, stated that it was considered as late because it wasnt uploaded to my profile within the 24 to 48 hour time frame. I asked him to explain as I e-mailed it in on XX/XX/XXXX, the deadline for the application. He said because they have to download it, scan it in and upload it to the profile, its considered late. This was the first time I was hearing this as nothing was ever disclosed about a specific time frame that is based on who is there in their office to do this.
Mr. XXXX said that I would have to submit a new application despite the fact that he said that the application I e-mailed in was uploaded to my profile on XX/XX/XXXX. I asked him why I would need to submit a brand-new application after I e-mailed XXXX XXXXn XX/XX/XXXX, it had just been 4 days prior to the phone call.
He recanted and said that the application would open up a new case.
There has been nothing but confusion, and little to no information being provided. Clarification for the original denial has never been provided, they keep having us submit applications, the terminate a forbearance, which that rule was never disclosed.
We moved our mortgage to M & T Bank f.k.a. Hudson City Savings Bank because that is the bank that my family has been with for years. We have never gone through such headaches, heartache, and confusion. My Mother has a bad XXXX to begin with, so I have been dealing with all the phone calls so she doesnt get upset over what is taking place, shes aware of it, very aware of it but I dont need anything happening to her, and this has been an ongoing frustration with Loss Mitigation. The lack of information, sudden rules, no clarification has been a complete headache for both of us.
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| 01/20/2023 |
Yes |
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- Trouble during payment process
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Web |
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I purchased my home in XXXX of XXXX with XXXX XXXX XXXX ( XXXX ) as the lender. The mortgage amount to be paid monthly was set at {$1300.00} per month. In XXXX of XXXX I set up an automatic payment with my bank ( XXXX XXXX ) paying {$1500.00} which was to be withdrawn from my checking account on the XXXX of every month to be sure ( XXXX ) would receive the payment in a timely manner on the XXXX of every month which would apply {$1300.00} to the minimum amount due and {$190.00} towards the principle. This was set up to continue till the end of the loan. In XXXX of XXXX, I was sent notification that my Hazard insurance was not paid and if I had not paid that insurance by a specific date then I would be subjected to " lender '' placed insurance which would be far more expensive and would offer less benefits than my original insurance company. This being my 1st mortgage was confusing to me and I thought originally that the mortgage company was to be paying it on my behalf with funds that were in escrow. I was told that I had opted to pay for my own insurance and would be responsible to maintain the insurance separate from my mortgage. I contacted my Insurance company ( XXXX ) and paid in full for the year forthwith. Both myself and the insurance company sent out the evidence they requested to show that the insurance had not been canceled. In XX/XX/XXXX, I received a letter from XXXX that they had sold the account to M & T Bank ( M & T ) and they forwarded my XXXX payment to M & T but that my new monthly payment would be {$1500.00} which was stated on my 1st statement from M & T.. Obviously, the increase got my attention and I called M & T to see what happened to increase my monthly obligation. In this original conversation, M & T claimed that XXXX had sold them the mortgage with my PIM, Hazard insurance, as well as taxes that were all to be paid out of escrow. M & T claimed that they had not known that I was paying the insurance on my own since the beginning of the loan. However, they promised to look into the issue. In the meantime, I reached out to XXXX insurance department and it was told to me that they would send me a refund for the monies that were charged to me in error which was for the " Lender Placed " hazard insurance paid out to ( XXXX XXXX XXXX XXXX ) in the amount of {$1300.00} which they had charged me before the sale to M & T but yet the remaining monies {$930.00} they claim was forwarded to M & T ( which had already been taken from my escrow for the lender placed insurance ) who then claimed to apply it towards the principle of the loan. I called M & T again to check on that and they claimed that they would refund me {$3500.00} which was overpaid since they purchased the loan but promised to do another escrow analysis which should then get it right. This is when I found the 2nd issue which I'll write about a little later. However, when they ran the escrow analysis, they still ran the Hazard insurance premiums as part of my monthly payment which failed to correct the problem. However, they now state that my new monthly obligation would be {$1400.00}. This is wrong. The problem is, who is at fault and how do I correct it. M & T has refused to correct the issue, and state the issue was with XXXX who states they no longer service the loan and don't have the ability to help either. The facts are, I paid {$3000.00} per month since the very beginning of my loan, which was never my intention. It appears they were collecting {$1500.00} from Bill Pay on the XXXX of every month and then they were collecting another {$1500.00} from Autopay on the XXXX of every month. They claim that it is common practice for people to pay down their mortgage and since I never bounced a check, it never raised a flag to them that this was not my intention. So, here I am now in XXXX, after nearly 12 hours of phone conversations and seem to be getting nowhere, I feel as though I need some assistance to correct the issues. This situation is causing me a lot of stress and cant seem to get them resolved. I can't see how this can be resolved. M & T is adamant that they are to collect monies in my escrow for my insurance, though it has already been paid, as I had from the onset. So, here I am overpaying almost {$40000.00} in just over 2 years, and then penalized another $ XXXX per month only because XXXX chose to sell the mortgage to M & T XXXX I have tried calling both XXXX and M & T several times since the error was noticed and as of XX/XX/XXXX I have not been refunded any money as promised nor has the account been corrected. I don't see how this is right or legal, and would like to know how to best move forward in resolving the issue and if possible getting the monies that were collected in error, returned back to the account it was taken from. So, to clarify, I have 2 issues. The overpayments that were paid monthly, {$1500.00} per month since XXXX of XXXX. They claim that it helped me to pay down the principle and will only help me later. My argument is that I should be able to decide that for myself and not be forced to go along with the error. How that was missed was the payments were taken usually within 4-5 days of the other, which allowed this to continue for as long as it did. The 2nd issue is the hazard insurance portion of the loan. I think it is clear evidence that I was responsible for the hazard insurance from the beginning, hence the warning and subsequent charge for the lenders placed insurance which was promised to be refunded, ( yet I have not yet received ) from XXXX. Should M & T who purchased the loan from XXXX honor the terms that were made? What would my recourse be? I feel as though this can be a much bigger issue than just myself and can really impact the average homeowner in a negative way. I am so upset and feel helpless in resolving it with the company.
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| 02/26/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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FORCED PROPERTY INSURANCE - CURRENT PRESSING PROBLEM In XX/XX/XXXX M & T Bank/Mortgage retroactively Forced Placed a {$16000.00} Insurance Policy on our property for the previous year of ( XX/XX/XXXX ). Which is ( directly and indirectly ) M & T Banks fault because over recent years we are subjected to this geographical Redlining and Refinancing restriction with M & T Bank ( i.e. New York, New Jersey, Connecticut, Pennsylvania, Maryland, Delaware, Virginia, West Virginia, and Washington, D ] are the only states M & T Bank/Mortgage accept financing or refinancing of Commercial Properties. And that is after M & T bank/mortgage purchased our property from our original mortgage company ( i.e XXXX XXXX dba XXXX via XXXX XXXX ).
And we were financially struggling and spending our own personal money ( thousands of dollars ) trying to repair an aged and worn roof to past an insurance inspection. Which took ( 3/4 of the year ) because we had to schedule repairs for the roof based on when we saved enough of our own money to pay for it step by step. This cost us an enormous amount of time and money we didnt have. In addition, there were other costly property upkeep repairs. ( See attached receipt copies of roofing company repair costs ).
We realize that M & T Bank/Mortgage has cost us a tremendous amount of ( Financial Ruin, Financial Embarrassment, and Cost us our dignity as property owners because we had to receive phone calls from tenants reference leaking roofs and as we scrape together money to fix one or few leaks then came another to fix and pay for. Because there was not enough money available to have the property re-roofed.
Presently, we have to sit and feel pressured by our insurance company ( awaiting repair verification requests on the roof ) to maintain the insurance. When our mortgage company ( M & T Bank/Mortgage ) is causing the problem and part of the problem. This it is serious, and a serious financial burden for property owners if insurance is not maintained. ( i.e. {$16000.00} of Expensive Forced Placed Insurance by M & T Bank/Mortgage when it was the banks fault ). The bank could have eliminated this costly problem off our backs a few years ago when we requested refinancing for this same type problem.
Also, presently, our insurance company is requesting we pass a [ Licensed Contractors Roof Inspection ]. We have spent thousands already Fix/Patching it ) it requires a ( re-roofing of the property ) to pass this type of roof inspection. ( See attached Insurance Letter ).
That ( {$16000.00} Forced Placed Insurance ) caused our mortgage payments to go up an additional {$500.00} a month. There is a lot of hard and costly work that has to be done to raise tenants rent {$500.00}. So this is very costly for a property owner.
WHAT IS NEEDED TO FIX THE PROBLEM M & T Bank/Mortgage should replace the ( {$16000.00} ) Forced Insurance cost it took out of our Escrow Account because they are Directly and Indirectly to blame for our not being able to obtain Property Insurance ( expediently ) by Redlining and Geographically Restricting Refinancing of our Small Commercial Residential Property to certain GEOGRAPHICAL outline of SELECTED STATES ( i.e. New York, New Jersey, Connecticut, Pennsylvania, Maryland, Delaware, Virginia, West Virginia, and Washington, D ). Eventhough M & T Mortgage/Bank purchased our mortgage knowing we own property in [ Florida ] outside that commercial geographical financing/refinancing outline that the bank created.
Note : It has been approximately ( 15 years ) that these financial institutions would not allow us refinancing. [ As a reminder, they work interchangeably as Servicers/Financial Banking Lenders ] We need M & T Mortgage to come up with some type of ( immediate assistance ) for us to re-roof this property immediately so we can maintain insurance. And keep rain from coming in the tenants apartments. Especially based on the financial position we have been placed in regarding the property by M & T Bank and XXXX XXXX. The roofing companys proposal is for approximately ( {$36000.00} ). ( See attached Roofing Proposal from the roofing company ).
Since M & T Mortgage/Bank Forced Placed a ( {$16000.00} ) Insurance Policy on the property for ( XX/XX/XXXX ) the same year the propertys roof was continuously leaking and we had to continuously spend thousands of dollars to Patch Fix it, because it needed replacing. The bank should consider utilizing that ( {$16000.00} ) Insurance Policy to Replace the Propertys roof. The policy appears to have the coverage for it ( water coming in from the roof ) ( for {$16000.00} it should have ).
An additional problem I was subjected to by ( M & T Mortgage Insurance Department ) between [ XX/XX/XXXX and XX/XX/XXXX ] whereby the M & T Insurance Department paid [ the property insurance company ] two ( 2 ) Yearly insurance Premium Payments instead of one out of our escrow account. After pushing ( M & T ) approximately a month to get the money back, there is approximately {$700.00} still missing. M & T Bank ( Insurance Department ) needs to replace that money back in our Escrow Account.
Also, M & T Insurance Call Center employees appeared not qualified to handle such sensitive area of property owners money of approximately ( {$10000.00} to $ XXXXs ) of dollars of escrow money. The bank needs to assess that department.
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Affiliated Companies/Financial Institutions : XXXX XXXX XXXX , XXXX Customer Support Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX https : XXXXXXXX Loan Owner : XXXX XXXX XXXX XXXX XXXX as Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , NY XXXX Phone : XXXX M & T BANK XXXX . XXXX XXXX XXXX, NY XXXX XXXX https : //www.mtb.com/XXXX
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| 01/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XXXX of XXXX, I opened a revolving line of credit with M & T Bank at a local branch office location in XXXX, Maryland. I provided all requisite contact information to the M & T Bank employee. The M & T Employee was XXXX XXXX. The account was officially activated on XX/XX/XXXX. The credit card was subject to a 12 month promotional offer which offered 0 % APR for the 12 month period following account activation date. I exchanged emails with XXXX XXXX and requested credit documentation for the credit card and he responded saying that no such credit documentation existed and he said that M & T Bank did not have any documentation that would allow me to understand the terms of the credit card. I opened the credit card to refinance a credit line I had with M & T Bank with principal outstanding of approximately {$2200.00}. Thus, M & T Bank initiated a transfer balance to repay obligations to the existing creditor, XXXX XXXX XXXX, in an amount equal to {$2200.00}. This transaction was completed on XXXX XX/XX/XXXX.
The line of credit was advertised as having no minimum payments within the first 12 months in addition to 0 % APR without limitation during the aforementioned 12-month period which was slated to begin starting in XX/XX/XXXX and extending to the billing period ending in XX/XX/XXXX. I had relocated to my parents domicile beginning in XX/XX/XXXX and thus was not at my apartment which was the address provided to M & T for physical credit statement delivery. Nevertheless, the physical statements were delivered to my apartment located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX each month up to XX/XX/XXXX. In the first week of XX/XX/XXXX, I visited my apartment to check my mail and I found numerous statements and letters from M & T Bank regarding the line of credit which I had opened in XX/XX/XXXX. The letters were hostile in nature, and i received 8 letters between XX/XX/XXXX to XX/XX/XXXX which stated that i was delinquent and that they were going to close the account.
I was also charged late fees in addition to a balance transfer fee which i believe to be excessive. Two of the late fees were rescinded upon request and credited against the principal balance of the credit obligation. Upon reading the 8 letters, i called M & T at the number listed on the letters and submitted a check by phone for {$230.00} which was the amount currently due. I submitted a dispute with M & T Bank and received an email confirmation that the dispute was under investigation on XX/XX/XXXX. I also submitted online disputes with XXXX, XXXX and XXXX in XX/XX/XXXX as my credit statements included derogatory information regarding my credit profile due to information submitted by M & T Bank. My credit report stated that M & T had closed my account and that i never repaid the debt that was due, which is incorrect as i did pay the balance of the account once i was aware that M & T was demanding minimum payments and my account was never closed by M & T Bank and remains open. I currently have availability under the line of credit in excess of {$1000.00} with all payments completed. Nevertheless, my disputes with all three credit reporting agencies were deemed resolved with no changes to the information on the credit report. The credit reports still show the account as being closed at the request of the creditor and the incorrect information has severely affected my credit score.
At no time did M & T make a commercially reasonable effort to contact me regarding overdue payments on the Revolving Line of Credit, notwithstanding the physical statements delivered to my apartment address which represents only one ( 1 ) of the various methods of contact I had provided in good faith to M & T Bank. At the time of opening the credit account with M & T Bank in XX/XX/XXXX, I provided the following information to the relationship manager at the branch office located at XXXX XXXX XXXX, XXXX, Maryland XXXX : 1. XXXX XXXX XXXX : XXXX XXXX. Email Address : XXXX XXXX. Primary Home Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Maryland XXXX XXXX. Alternate Physical Address : XXXX XXXX XXXX, XXXX, Maryland XXXX I have digital evidence of correspondence between myself and the relationship banker, whose name is XXXX XXXX, which was conducted via the email address listed above. Included as an exhibit to this statement is email correspondence between me and XXXX XXXX, the relationship banker at M & T Bank who was responsible for opening the new account for me in XX/XX/XXXX, which is clear evidence that my email address was readily available, therefore if my account was overdue or needed urgent attention, it would have been easy to contact me via email. I also have phone records of calls with XXXX XXXX which is evidence that my cell phone was also readily available and provided in good faith upon account opening.
Despite all of this, M & T Bank submitted information to all 3 major credit reporting agencies making a false allegation that I was delinquent and had not made minimum payments on the revolving line of credit opened in XX/XX/XXXX.
There are two principal reasons I believe these allegations are false and in bad faith : 1. M & T Bank did not make clear to me at time of opening the credit card that the account would be subject to minimum monthly payments of principal during the introductory 12 month period.
2. M & T Bank did not take any actions or make a commercially reasonable effort to contact me via cell phone, alternate home address, or email, all of which were readily available and would have resulted in quick responses from me. However, M & T Bank only relied on physical mail delivery to my primary address which I was not staying at during the aforementioned three month period where Lender had accused me of defaulting on the credit obligations.
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| 02/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XXXX of XXXX, I opened a revolving line of credit with M & T Bank at a local branch office location in XXXX, Maryland. I provided all requisite contact information to the M & T Bank employee. The M & T Employee was XXXX XXXX. The account was officially activated on XX/XX/XXXX. The credit card was subject to a 12 month promotional offer which offered 0 % APR for the 12 month period following account activation date. I exchanged emails with XXXX XXXX and requested credit documentation for the credit card and he responded saying that no such credit documentation existed and he said that M & T Bank did not have any documentation that would allow me to understand the terms of the credit card. I opened the credit card to refinance a credit line I had with M & T Bank with principal outstanding of approximately {$2200.00}. Thus, M & T Bank initiated a transfer balance to repay obligations to the existing creditor, XXXX XXXX XXXX, in an amount equal to {$2200.00}. This transaction was completed on XXXX XX/XX/XXXX. The line of credit was advertised as having no minimum payments within the first 12 months in addition to 0 % APR without limitation during the aforementioned 12-month period which was slated to begin starting in XX/XX/XXXX and extending to the billing period ending in XX/XX/XXXX. I had relocated to my parents domicile beginning in XX/XX/XXXX and thus was not at my apartment which was the address provided to M & T for physical credit statement delivery. Nevertheless, the physical statements were delivered to my apartment located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX each month up to XX/XX/XXXX. In the first week of XX/XX/XXXX, I visited my apartment to check my mail and I found numerous statements and letters from M & T Bank regarding the line of credit which I had opened in XX/XX/XXXX. The letters were hostile in nature, and i received 8 letters between XX/XX/XXXX to XX/XX/XXXX which stated that i was delinquent and that they were going to close the account. I was also charged late fees in addition to a balance transfer fee which i believe to be excessive. Two of the late fees were rescinded upon request and credited against the principal balance of the credit obligation. Upon reading the 8 letters, i called M & T at the number listed on the letters and submitted a check by phone for {$230.00} which was the amount currently due. I submitted a dispute with M & T Bank and received an email confirmation that the dispute was under investigation on XX/XX/XXXX. I also submitted online disputes with XXXX, XXXX and XXXX in XX/XX/XXXX as my credit statements included derogatory information regarding my credit profile due to information submitted by M & T Bank. My credit report stated that M & T had closed my account and that i never repaid the debt that was due, which is incorrect as i did pay the balance of the account once i was aware that M & T was demanding minimum payments and my account was never closed by M & T Bank and remains open. I currently have availability under the line of credit in excess of {$1000.00} with all payments completed. Nevertheless, my disputes with all three credit reporting agencies were deemed resolved with no changes to the information on the credit report. The credit reports still show the account as being closed at the request of the creditor and the incorrect information has severely affected my credit score. At no time did M & T make a commercially reasonable effort to contact me regarding overdue payments on the Revolving Line of Credit, notwithstanding the physical statements delivered to my apartment address which represents only one ( 1 ) of the various methods of contact I had provided in good faith to M & T Bank. At the time of opening the credit account with M & T Bank in XX/XX/XXXX, I provided the following information to the relationship manager at the branch office located at XXXX XXXX XXXX, XXXX, Maryland XXXX : 1. Cell Phone Number : XXXX 2. Email Address : XXXX 3. Primary Home Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Maryland XXXX 4. Alternate Physical Address : XXXX XXXX XXXX, XXXX, Maryland XXXX I have digital evidence of correspondence between myself and the relationship banker, whose name is XXXX XXXX, which was conducted via the email address listed above. Included as an exhibit to this statement is email correspondence between me and XXXX XXXX, the relationship banker at M & T Bank who was responsible for opening the new account for me in XX/XX/XXXX, which is clear evidence that my email address was readily available, therefore if my account was overdue or needed urgent attention, it would have been easy to contact me via email. I also have phone records of calls with XXXX XXXX which is evidence that my cell phone was also readily available and provided in good faith upon account opening. Despite all of this, M & T Bank submitted information to all XXXX major credit reporting agencies making a false allegation that I was delinquent and had not made minimum payments on the revolving line of credit opened in XX/XX/XXXX. There are two principal reasons I believe these allegations are false and in bad faith : 1. M & T Bank did not make clear to me at time of opening the credit card that the account would be subject to minimum monthly payments of principal during the introductory 12 month period. 2. M & T Bank did not take any actions or make a commercially reasonable effort to contact me via cell phone, alternate home address, or email, all of which were readily available and would have resulted in quick responses from me. However, M & T Bank only relied on physical mail delivery to my primary address which I was not staying at during the aforementioned three month period where Lender had accused me of defaulting on the credit obligations.
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| 07/07/2020 |
Yes |
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- Trouble during payment process
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Web |
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XX/XX/XXXX Around XXXX of XXXX we received a letter from M & T Bank stating that they have taken over our mortgage loan ( from XXXX ) and that we were to forward all mortgage payments to them from thereafter. In short, I am not proud to say that we were a couple of payments behind and were given two chances through M & T 's loan modification department to make payment arrangements. We did not fulfill either obligation and by the end of XXXX we were facing severe foreclosure ramifications. On Thursday evening XX/XX/XXXX we spoke with a representative from M & T 's Homeowner 's Assistance Center ( XXXX XXXX ) who stated that the company was moving forward with the final stages of foreclosure and that we were out of options ( except for paying the total amount ) to continue occupying the home in the current state. He stated that unless we made the total amount due of {$7300.00} ( total amount in fees including the regular payment, the amount unpaid from prior statement, the unpaid late charge ( s ), and the XXXX XXXX XXXX ). Each amount was provided in the section of the Explanation of Amount Due on the XX/XX/XXXX Mortgage Statement. On Friday XX/XX/XXXX we spoke with Mr. XXXX XXXX XXXX. XXXX ( assistance number ) who walked us through the process of bringing the account current. Because of the stages of the defaulted loan Mr. XXXX stated that they could no longer take a payment over the phone but rather urged us to pay via XXXX XXXX using a code city. He also explained to us that the total amount of {$7300.00} consisted of {$7100.00} ( outstanding fees ) + {$190.00} ( Recoverable Corporate Advance fees ) had to be paid by the late afternoon. This was necessary because there were not any M & T banks in our state. After arriving at XXXX XXXX, we were told that the transaction had to be in the form of two payments because of the large amount to be wired. This was explained to Mr. XXXX in doing so and he concurred. We decided to make the first payment in the amount & {$4000.00} and the second {$3300.00}.
Here 's where the confusion takes place : The teller makes a successful payment of {$4000.00} which produced the tracking # XXXX ... The second payment -- which was erroneously made for {$3000.00} had to be retracted due to the teller accidentally inputting the incorrect amount and not the appropriate {$3300.00} requested representing the remaining difference in the total amount. XXXX XXXX correcting the transaction by cancelling the second and allowing the third transaction to be submitted. The third transaction produced the # XXXX ... Once again XXXX XXXX was informed of this process as well. The time for the entire transaction and correction period was from XXXX XXXX to XXXX XXXX CST. After provided the transaction information to Mr. XXXX he stated that all payments and fees were fulfilled and that we would receive a letter in 7-10 business days confirming the updates. This was strongly inquired about on our end. We were also told that our next payment wasn't due until XX/XX/XXXX.
Weeks later in the month of XXXX we received a letter from M & T stating that our loan was in default and that we needed to make a payment of {$2100.00} to " cure this default ''. We then spoke with a representative with M & T who stated that : 1 ) our payment of {$3000.00} was denied ; and 2 ) a significant portion of the payment ( s ) made on XX/XX/XXXX was applied to the Principal of the loan. We requested that a research be conducted to find and correct the problem considering our confidence in paying ALL outstanding fees back in XXXX. The request was submitted, and we were told that it would take 7-10 business days for a response. We received no response, nor did we see any corrections that would have brought our status to current AND zero additional fees. On multiple occasions we have called and requested that M & T resolve this issue and remove a reoccurring Corporate Advance fee which was paid back in XXXX of XXXX. During many of those phone calls our intellect has been questioned, ridiculed, and have fallen on death ears in trying to explain how the funds were misapplied to our account. Throughout these tough times we are overwhelmed with constant arguing and unresolved solutions to our mortgage which leads to us seeking possible litigation furthermore.
This morning ( XX/XX/XXXX ) we received a call from a MrXXXX XXXX XXXX. ( XXXX ) who informed us that he had done his research and concluded that we were still accountable for paying the Corporate Advance fee of {$220.00}. He refused to hear our appeal and was very combative and unyielding to offer any solution. All he did was discuss the purpose and the origin of the Corporate Advance fee -- -and not what are primary concern was. He also accused of us of not paying the total amount of {$7300.00} even though I explained to him the reason of the two payments totaling the sum. He stated that it didn't matter and that we still owed the amount. He was very rude which led us to informing him of going a step further. In short, he said go ahead. I am providing the necessary documentation such that someone will see that we made the required payment covering ALL outstanding fees including the Corporate Advance fee. We strongly believe that the payment received was miss-appropriately applied causing this confusion. Although we accept full responsibilities for financial obligations on our behalf, WE WILL NOT PAY FOR THE COMPANY 'S MISTAKE ON THIS ISSUE. In the event that we seek professional legal advice, we will ask for monetary damages and restitution ( s ) for the stress and lack of an unapologetic culture at M & T Bank in the mortgage department.
Sincerely, Angry Mortgage Customer
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| 10/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On Thursday, XX/XX/2022, I visited M & T Bank located at XXXX XXXX XXXX XXXX in XXXX, PA to access my funds. The bank teller, XXXX XXXX was willing to assist me and requested my I.D., I provided my Virginia State drivers license without any issue. XXXX XXXX asked me to wait a moment to speak with the branch manager. The branch manager, XXXX XXXX informed me that my account had several deposits by XXXX XXXX and that he would need to come into the branch even though he was not listed on my account and should not have to be present for me to access my account. XXXX XXXX and XXXX XXXX informed me to have a seat in the lobby while they sorted out the issue. I felt extremely uncomfortable and was marginalized and denied access to my account as a female XXXX XXXX in my XXXX. I called XXXX XXXX into the branch because of the continued hassle. Upon entering the bank and speaking with me about the issue of retrieving her funds, XXXX XXXX was asked for his I.D . by XXXX XXXX. XXXX XXXX informed XXXX XXXX, he was not listed on her account and found it unreasonable for her to request his I.D .
After waiting over twenty minutes without any resolution or explanation XXXX XXXX and I departed the bank on their own accord. Just as we departed the bank and headed to our vehicle several armed Police officers confronted XXXX XXXX and I. They wanted a statement. I agreed and explicitly stated without any hesitation what had occurred in the bank. The officer asked for me to wait with another armed Police officer as they wanted to get the bank employees side. Shortly after that another officer came rushing out of the bank with a piece of paper and said they want you trespassed and youre not allowed to return to this branch, do you understand? I in tears as she did nothing wrong and agreed that did not want to EVER return and be discriminated against again.
On Monday, XX/XX/2022, XXXX XXXX reached out to the branch where I opened the account and spoke with XXXX XXXX, the branch manager. XXXX XXXX informed XXXX XXXX of the unfortunate and discriminatory practices that occurred in XXXX, PA the week before. XXXX XXXX informed XXXX XXXX that in order to close the account I would just need photo I.D . to access my account, he said its that easy. XXXX XXXX informed XXXX XXXX it is not that easy and elaborated on the events that unfolded in XXXX, PA. Not feeling comfortable with his nonchalant response XXXX XXXX XXXX M & T District Manager, XXXX XXXX XXXX XXXX XXXX spoke with XXXX XXXX and explained the events that occurred in XXXX. XXXX XXXX apologized and promised that he would be back in contact with XXXX XXXX on XXXX XXXXXX/XX/XXXX, however, XXXX XXXX did not hear from XXXX XXXX or anyone else with M & T Bank.
The same day I made contact with XXXX & XXXX fraud department, and spoke with XXXX. XXXX berated me by asking her several questions that included ; where I am employed, who XXXX XXXX is, and asked why I was in Pennsylvania, and, why she visited a branch in XXXX, PA. These calls were recorded, not only are they unconscionable they should not be tolerated.
On the morning of Wednesday, XX/XX/2022, XXXX XXXX contacted XXXX XXXX as he never heard back as promised the day prior. XXXX XXXX stated the bank in XXXX, PA failed to provide her access due to her being out of state. I was denied access to my funds. XXXX XXXX stated that I am is able to come into the XXXX XXXX, VA branch to conduct business and that my account is fully operational without any holds or restrictions.
I received a PIN while I was out of town in Pennsylvania that I had requested prior to leaving to set up bill-pay however, that does not work. XXXX XXXX informed XXXX XXXX of this issue and he responded via email on Friday, XX/XX/XXXX, stated the following; XXXX XXXX, Im not aware that PINs can be deactivated. If web enrollment is the goal instead of fixing the PIN, XXXX calling the web banking XXXX number and asking to enroll over the phone is perhaps the best way to achieve that. If she were to e-mail me requesting that we try to do that on her behalf, we could, but the request has to come from her as the only person on the account. Were merging with ( acquiring XXXX Peoples United Bank this weekend, theyre about half our size so making that call before mid-afternoon today or waiting until XXXX would be best, really today is going to be better than anytime next week, the phone lines are going to be very heavy next week.
Since this event, I did not felt safe using my card even though I am is the rightful account holder. The events that unfolded on XX/XX/XXXX and the continuation of discrimination are reprehensible and should be condemned.
On XX/XX/2022, I attempted to use my debit card to complete purchases however, they were denied.
I did NOT have access to my funds until I physically went to the branch where I opened my account.
I NEVER should have never experienced this as a rightful account owner at your financial institution or denied access to my funds at M & T Bank. The fact that I was out of state does not rise to the level of calling the police that are armed with guns and having me trespassed. I was cordial throughout the process and even patiently waited inside the branch which is well documented. I did not refuse to leave the branch I left on my own accord. It is beyond unconscionable that this could happen to anyone especially me a XXXX XXXX in her XXXX.
The public humiliation, stress, mental anguish, physical strain, denial of funds, access to funds, trespassed falsely accused of fraud and being locked out of her account for over three weeks. No one from the bank has even apologized for this error.
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| 10/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I XXXX XXXX XXXX, am filing this complaint against M & T Bank for violations of my Consumer Rights under the Federal Debt Collections Practices Act and UDAAP. Under Federal Law, I am entitled to a Loan Modification but M & T BANK my current Lender has consistently denied this Loan Modification when in fact I do qualify for a Home Loan Modification. The facts are as follows : 1. That in XXXX M & T Bank took over my home mortgage loan for my home located at XXXX XXXX XXXX, XXXX XXXX, NY, XXXX, from my previous lender XXXX XXXX XXXX XXXX and I was suddenly imputed a dramatic increase in my Conventional loan payments from {$1000.00} ( Principal & Interest ) to over {$3900.00} ; that after pleading with M & T Bank some payments were stretched to obtain a new payment of {$2400.00}. That my new payments now, not only included P & I payments but also included city and county tax ( including Hazard insurance which I was already paying separately ), but past also included past due taxes of over 21k and penalties which were now being escrowed and included city tax and county tax, all of this in violation of my conventional loan agreement with my original lender XXXX XXXX XXXX XXXX.
Prior to my mortgage loan being transferred to M & T bank, I was never late on my mortgage payments and resolved any and all tax issues on my property directly with the city of XXXX XXXX, NY, or the New York Department of Taxation. Now M & T Bank, has been forcefully asking me to escrow taxes on a Conventional mortgage loan since XXXX of XXXX.
That M & T BANK stated to me in XXXX that my payments had been increased due to past due taxes and penalties of over {$21000.00}. My initial contract with my original lender XXXX XXXX XXXX XXXX was to pay only Principal and Interest payments to them and to resolve any tax issues with the XXXX XXXX city/county directly as I had a conventional mortgage loan with them and not an FHA Loan. Now, I was being unduly forced with the threat of foreclosure by M & T Bank in violation of my conventional loan agreement with my original Lender XXXX XXXX XXXX XXXX to pay all taxes and insurance fees directly with M & T Bank. The whole purpose of a Conventional Mortgage loan is to avoid such abuse and to resolve taxes with the government and not with the lender. I am XXXX and my income fluctuates, and therefore a conventional mortgage loan was best suited to my financial situation.
2. Moreover, my income last year had suddenly decreased due to some health issues and I, therefore requested M & T Bank to provide me with a loan modification in order to have my mortgage and or interest rate reduced to make it more affordable.
3. I have now applied for a Loan Modification 3 separate times with M & T Bank and they keep denying my request for a Loan Modification. Their Modification application states that you can request for a 3rd party to assist you in paying. In my last application attached, my niece XXXX XXXX XXXX proposed to provide monthly payments of {$2500.00} towards my mortgage which would cover the entire monthly payment. I also promised to contribute {$15000.00} ( XXXX XXXX XXXX ) towards the past due payments. M & T Bank called my niece XXXX XXXX XXXX ( authorized to discuss the account on my behalf ) on XX/XX/XXXX and lied that they had not received this new application letter dated XXXX/XXXX/XXXX whereas they had previously stated that they had in fact received this new application on or around the week of XXXX/XXXX/XXXX. They also stated that they had based their current denial of the modification on their review instead of my previous application from XXXX of XXXX which is grossly prejudicial as my contribution then was only for {$1000.00}. They also lied that I had stated on my application that my contribution would be {$1500.00} ( XXXX XXXX ) and not {$15000.00} ( XXXX XXXX ) whereas the documents I sent to them clearly showed that I offered {$15000.00} to resolve some of my back payments. Please SEE attachment for email confirmation sent to M & T BANK on XXXX/XXXX/XXXX sent to their Loss Mitigation Department at XXXXXXXXXXXX on XXXX at XXXX. The new application for Loan modification dated XXXX/XXXX/XXXX would not have been reviewed or sent to their underwriting department if the date on the documents had not been renewed. So my application was again denied on XXXX/XXXX/XXXX based on false pretenses and allegation and misrepresented review of my documents.
3. Moreover based on my 3 months profit and Loss statement which are based on the bank statements I provided to them ( I am XXXX ) I have a Net positive income which their Underwriting department keeps refusing and failing to consider.
5. Also, I have had to keep emailing the same documents multiple times as their review agents keep claiming and lying that they have not received specific documents when all documents are always been uploaded as email attachments and sent to their designated emails. It is clear that they are not being diligent with my file and these are purported fabrications aimed at further frustrating me and my purpose in order to deny me my legal rights.
4. M & T Banks actions are prejudicial and discriminatory and I am now convinced per all of their actions that they are in fact discriminating against me in order to force me to either sell or seize my property which I worked so hard to acquire. I am older XXXX gentleman and I now see that I am been specifically racially targeted.
5. I have included a copy of my last Loan Modification application dated XXXX/XXXX/XXXX so that you can investigate the actions of M & T Bank and provide oversight for their actions.
Thank you for your help.
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| 04/20/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
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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
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| 12/19/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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We're two months behind on our payments with our mortgage company. We have tried working with them but they refuse to work with us. We have 1 full mortgage payment plus the late fee and extra. Its not the full 2 months owed but they refuse to take the money until we have the full 2 months worth. Which is just ridiculous because then we get even farther behind in payments while they wait. It is very hard to fix anything with this company when they will not budge at all. We tried to get a loan modification earlier in the year and they denied us because they kept saying they didn't receive the documents we sent them or they got lost and then it was well we need more information from you. We don't see how this is possible when we wrote our loan # on every document sent just like they asked. When mailing the documents we also did a certified mail receipt which would tell us they had to sign for it in order to receive the documents and we got the confirmation. So we truthfully believe they are lying to us about not receiving the documents or that they were lost. Because it went from they are lost to oh we need more information. Then all of a sudden we were denied. We followed everything they wanted us to and they were very unprofessional about all of it. We were so vulnerable and explained our very personal situation to them. How can we fix something if this company won't even budge to work with us in any type of way.
Here is our current situation and why it is hard for us to make ends meet.
Our XXXX XXXX XXXX daughter has been struggling with her XXXX XXXX since the age of XXXX XXXX XXXX. She not only suffers from XXXX but also struggles with XXXX, XXXX, XXXX and she is XXXX. She has been going to therapy for all of these things since the age of XXXX.
In XXXX of XXXX she told us that everyone would be better off without her. Her therapist, my wife and myself have been working very hard to stabilize her XXXX XXXX. But unfortunately it took a turn for the worse on XX/XX/XXXX when XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to the intensive need of her care this crisis situation resulted in my wife having to go on a FMLA ( family medical leave of absence ). Our daughter has been hospitalized 4 times due to her XXXX XXXX since XX/XX/XXXX.
Our mortgage payment is the biggest bill that we have in our household and we are struggling greatly to make this payment. We are also struggling to keep on the electric, gas, water, phones, car payment and keep groceries in our home. Having a car is required for all the appointments that my wife and daughter need to go to every week for her treatment and gasoline is also part of that cost. My engine blew in my vehicle, which resulted in me having to purchase a new vehicle because I could not afford to miss work and had no other means of transportation. After doing so I discovered that the vehicle I purchased had mechanical issues and which was another expense that set us back even more.
My wife was struggling to find the time between appointments and the energy to return to work because our daughter 's care was and still is so intensive. Sleep for her was very limited due to having to check on her so often. Even though her energy was so low and our daughters care was intensive my wife made the decision to return to work in order to keep us from losing our home. My wife was on the FMLA starting XX/XX/XXXX and her work was able to accommodate our daughters appointment schedule so that my wife could return to work. She returned to work as of XX/XX/XXXX. She had only been back at work for a little over 2 months when on XX/XX/XXXX our daughter XXXX XXXX XXXX XXXX XXXX XXXX. I say this with a lump in my throat. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We are all so thankful that I found her in the time that I did because she would not be here today. We called authorities and they took her to the hospital where she stayed for 2 days and was then transported to a XXXX XXXX XXXX. We pushed for her to get long term because we had been doing every thing possible to keep her safe and it wasn't enough.
So in order to take better care of our daughter and herself, she couldn't do it all it was too much stress to keep doing both, my wife and I made the decision together that it would be best for her to quit her job. Things have been rough for us financially but because my wife is able to solely focus on what our daughter needs and her own self care our family is healing.
We even have more appointments surrounding my daughter than before. Which include every week parent support, safety meetings, XXXX and wrap around team meetings. We also have XXXX younger children that my wife cares for and adding my wife 's school schedule to all of these appointments makes it difficult for her to seek work and keep working.
We really are trying to work with this company but they will not work with us. We have told them all of our struggles just as we have shared on here today. So please help us get this complaint to this company to help us resolve this issue. We need them to accept our loan modification or mitigation. We are not sure which one it is supposed to be.
We do not want to lose our home and we are doing everything we can to keep it. We have 1 full mortgage payment including the late fee but M & T Bank told us they would not accept this payment and required the 2 previous months owed. With the 2 previous months owed and the current payment due we now owe 3 months in total. So we're not really sure where to go from here.
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| 08/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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M & T Bank failed to pay my homeowner 's insurance from my fully paid escrow account. I was notified the payment was late on XX/XX/XXXX and my insurance policy was cancelled by XXXX XXXX on XX/XX/XXXX, leaving me uninsured. During those 5 weeks I spent much effort and time calling both M & T and my insurer. Three times M & T assured me the check had been sent, only for the customer service rep I spoke with on a follow-up call to tell me that check had been " cancelled by the system. '' There was no accountability and nobody could identify the cause.
To further complicate things, each time I called M & T 's customer service line and navigated the phone tree, once I chose " escrow '' I simply received a recorded message that a check had already been sent, with no option to speak to a person. I tried many options to try and get around this roadblock, and finally had to *pretend to have a different problem. * I had to choose " trouble with an insurance claim '' to get a person, after which I begged them to transfer me to someone who could help.
In a panicked 3-way call on XX/XX/XXXX a M & T Bank customer rep informed me that " we don't do escrow for co-ops. '' I told her I had been issued an escrow mortgage by M & T itself seven years ago and had paid faithfully, and the online payment portal has a separate line-item for escrow. She repeated that I now had a " non-escrow mortgage. '' There was no explanation for the change and no one had informed me of it prior to it being effected.
To add insult to injury, once she dropped off the call a customer service satisfaction survey recording kicked in. I was almost crying as I begged the other rep not to hang up as the interminable, chirpy recording played twice through. I was afraid the call would auto-disconnect when it was done.
I was assured that THIS TIME a check would go out to XXXX XXXX. I was assured I would also receive a refund check for additional paid escrow. I said I wanted this all in writing because I had talked to many people and they all had told me different things. I said, " Okay so now I wait for the check to go to XXXX XXXX, I wait for a refund to me, and I wait for a letter explaining what happened, and I also no longer pay escrow, right? '' The second rep waited while I checked the online payment portal and, sure enough, there was no longer an escrow form field. I was astonished that such a consequential change had been made with no notice to me, and that somehow that change in " the system '' had resulted in two checks being auto-cancelled. It seemed the me this surely affected hundreds if not thousands of people who all individually were forced to play detective and figure out what was happening. It was also highly suspicious that I had been able to pay escrow online in XXXX, which would have been*after* this supposed policy change. Had the change been legitimate and timely communicated throughout M & T I would have received notice in XXXX, and the online portal would have simultaneously reflected the new policy.
In order to reinstate my insurance I had to pre-pay my premium with a credit card as the insurer waited for the check ( which none of us believed at that point would ever arrive ). My insurer also had to issue me a revised, non-escrow policy.
When I received a letter from M & T Bank it was simply several terse lines of internal bank jargon. There was no apology or explanation or even any sentence in recognizable English. Had I not just spent hours of my life troubleshooting M & T 's mistake I would have *never* understood that this letter referred to escrow, a change in policy, a change in payment portal, anything. It literally says " We are removing the HO6 policy from your escrow account and you are responsible for the payment of the HO6 policy. '' No recipient of this letter knows what an " HO6 '' policy is, and the sentence seems to contradict itself. The letter also managed to appear to *blame ME* for the type of mortgage M & T had *issued to me*, stating sternly " we do not require that you maintain an HO6 policy. '' The letter did not mention that M & T failed to pay my insurance that I had prepaid in good faith. The letter did not mention the refund check, so had I not specifically asked about my additional escrow payments during the XX/XX/XXXX call ( and I was the one who brought it up and persisted until I got an answer ), I would have been flummoxed by receiving a random check in the mail.
This was all 2 months ago. I was angry but it was fading. Then this week I received a letter from M & T Bank stating that the previous letter was in error and in fact I should have an escrow mortgage, that I am required to have an escrow mortgage. AS I ALREADY KNEW AND HAD ATTEMPTED TO TELL EVERY CUSTOMER SERVICE REP I HAD SPOKEN TO. There was this time a slight apology, as in " sorry for any inconvenience this may have caused. '' Inconvenience??? MY INSURANCE WAS CANCELLED & I PRACTICALLY HAD A NERVOUS BREAKDOWN.
As the final indignity, as in someone spitting on you, M & T wants ME to send back the refund check so they can put it back into the escrow account I had paid into in good faith and they themselves unilaterally cancelled with no notice. I also will have to tell my insurer they have to revise my policy yet again, back to an escrow mortgage.
All of the burden : emotional cognitive, logistical, financial, and potentially hazard, was placed on me ( and all those in my position ) by M & T FOR ITS OWN EGREGIOUS, INEXPLICABLE MISTAKE
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| 10/31/2019 |
Yes |
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- Trouble during payment process
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Web |
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This is my second complaint against M & T Mortgage regarding the same issue. In XX/XX/XXXX I had some financial issues due to a sick child and my home went into foreclosure. I as able to take care of that issue and it was resolved in XX/XX/XXXX. I made all of my payments as I was supposed to but In XX/XX/XXXXI received a letter from M & T bank stating that I had missed my XX/XX/XXXX mortgage payment. I first contacted the company via email and gave dates when my payments were made. The answer I received was that I had not made a payment on XX/XX/XXXX so I sent in a copy of my bank information. After many hassles, I gathered all of my information and complained here. After 30 days, I was told that I was behind on my mortgage and that I owed. On XX/XX/XXXX I had scheduled for the XX/XX/XXXX payment to come out of my bank account and they refused payment stating that I had to pay for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of {$1700.00} and pay this by XX/XX/XXXX or they would accelerate sale of my house because I did not pay as the contract stated. It was also noted that the charges would go up daily and to call before I paid. I am attaching copies of their statements, the account activity that their employee mailed to me and copies from my bank account. After going through the activity on my account provided to me by M & T Bank, this is what I have found. From XX/XX/XXXX thru XX/XX/XXXX all of our records match. Then, I made a payment for XX/XX/XXXX which was taken out of my account on XX/XX/XXXX and it does not show that it was applied to my account but I have provided the information from my bank. I made a payment for XX/XX/XXXX early trying to help improve my credit score - it came out of my account on XXXX according to M & T Bank , this was applied to my XX/XX/XXXX payment. Once I made the two payments in XX/XX/XXXX, the activity for my account does not match anything. According to my M & T statement dated on XX/XX/XXXX- I had only one payment due for XX/XX/XXXX and the transaction activity is also wrong. The date on my bank statement showing that that the payment for XX/XX/XXXX came out of XX/XX/XXXX but I had already made XX/XX/XXXX payment on the XX/XX/XXXX. My XX/XX/XXXX statement shows that I still owed for XX/XX/XXXX but that is untrue because I made the payment in XX/XX/XXXX. I made my XX/XX/XXXX payment of XX/XX/XXXX and this is backed up by my bank statement. On XX/XX/XXXX, I scheduled a payment for XX/XX/XXXX to come out of the wrong bank account and the funding was not there. M & T reversed the payment on XX/XX/XXXX which I have provided the proof of that in my activity report. I did rectify the situation and made XX/XX/XXXX payment on XX/XX/XXXX and added an extra {$20.00} for the NSF fee - I have provided my bank statement for that also. Once I had rectified that, I even received an email from Credit Karma congratulation me for getting my account with M & T current. I have attached a copy of that email also. M & T 's explanation, shown in the letter from XXXX states that the payment on XX/XX/XXXX was for XX/XX/XXXX but I have provided my bank statement showing that was not the case, I had indeed paid on XX/XX/XXXX. My XX/XX/XXXX payment I made on XX/XX/XXXX, again, I have provided my bank statement. My payment for XX/XX/XXXXI did not pay until XX/XX/XXXX but I have provided my bank statement for that. I had scheduled for my XX/XX/XXXX payment to come out on XX/XX/XXXX but M & T refused that payment. The explanation given to me is that they can't take any payments from me unless I pay the full amount due. They can not make any kind of payment arrangements. Considering that fact that I made my payments on time until they refused to take anymore, that is absurd. The second part of my complaint had to do with the fact that my house payment went up because my home owners insurance lapsed. I was informed that I did not have insurance from XX/XX/XXXX until XX/XX/XXXX which is when they credited my account. Well, I have had insurance since XX/XX/XXXX. When I set up the policy with XXXX, they were going to collect the money from M & T and I would pay monthly through escrow. My agent was unable to get any response from M & T and that policy ultimately was cancelled at the beginning of XX/XX/XXXXbut I got ANOTHER policy going with XXXX and AGAIN they received zero response from M & T. I panicked and changed the policy so that I would pay monthly because I did not want to be screwed yet again when I was trying to follow the rules. I over paid on my mortgage payment in XX/XX/XXXX and XX/XX/XXXX by the amount of {$290.00} because I should have had a credit to my account in XX/XX/XXXX, not in XX/XX/XXXX, which is when they added the credit. My first insurance policy number with XXXX was XXXX XXXX XXXX which I have provided a copy of the bill. The second policy number is XXXX XXXX XXXX Which is my current policy. I have two special needs children and all I want to do is get this issue resolved. I do not want to lose my home, but it seems like they just want to take it from me. In conclusion - I paid made my payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the XXXX payment came out on XX/XX/XXXX, XXXX through XX/XX/XXXX and M & T is insisting that I owe for XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX when actually, because they refused my XX/XX/XXXX payment ( not my fault ) I do owe XX/XX/XXXX and XX/XX/XXXX and now, since XX/XX/XXXX is tomorrow, I owe for XX/XX/XXXX.
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| 08/07/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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I went into a forbearance around COVID time Because I lost my job and I also take care of my handicapped husband After I came out of the forbearance we went into a bankruptcy which was Discharged XX/XX/XXXX Before I went into bankruptcy the mortgage company was trying to Sue me for issues with my property address which had nothing to do with anything that we did it was all the county had changed the property address and the mortgage company didn't have that change in their files and so they sued me, and in the process found another lady that still had a lean on the property so they sued everybody to try and get the lean off the property of which they've already done and I agreed with everything that they wanted to do all they had to do was ask but instead the sued me. Then my Bankruptcy attorney Wrote M & T mortgages Attorney a letter and said you can't do this she's in bankruptcy you can't expect her to pay for fees for any of this lawsuit. Now fast forward after I got out of the forbearance they put me into a program where they take the existing amount of money that you owe and put it on the back end of the loan In a Balloon payment and hold it in an account that's non-interest bearing until the loan is paid and then at the end of the loan you have to pay the existing money. they said I qualified for this program and they put me into this program. I started paying my payments again And they sent me the paperwork that I needed to have notarized and send back I went to the UPS store I paid to get it notarized and I sent it back to them. Then they said that the paperwork that they sent me was wrong because they needed my husband 's power of attorney paperwork I sent it to them probably 4 Or 5 times Every time the paperwork was incorrect I have probably Have 8 sets of copies of the paperwork that they've sent me that We're incorrect I finally said to them I can not keep going and paying for the notorization please send me a notary. they sent me a notary for the paperwork and I notarized it I showed her my POA documents she took them and again they said that the paperwork was wrong. In the meantime they keep saying that I am sending them the wrong documents or I'm not providing them with the right documents when I can't provide them with the right documents because they keep sending me the wrong documents. This goes on 3 or 4 times they enroll me and disenroll me in the program because they say I am not cooperating with them when the whole time I can't give them something that I don't have. Then in XXXX this year of XXXX they told me I was disenrolled from the program again because I needed to have My husband 's power of attorney documents recorded at the county And they said because I did not do this that I was disenrolled from the program again. nobody ever told me that I had to have them recorded at the county so I went down in the middle of a snowstorm to try and record documents at the county and they closed the county building because the storm was so bad. I went back on XX/XX/XXXX a week later and recorded the document and when I was there the lady told me that I wasn't going to get the document back for 7 to 10 days Because they have to keep it to record it and then they will send the originals back to me in the mail so because of that and because I was so upset I asked her if I could take pictures just so I could send them to the bank. I sent the pictures of the recorded document and the same POA that I have sent them numerous times.
I was told by them I could send them pictures so I did, and then they kept saying we cant take pictures we need a PDF copy.
And I said I only sent those to you temporary until I could get you a PDF copy but now that's all they can see is those photos even though I have sent them pdf copies clear back in XX/XX/XXXX OF the Same POA. I spoke with a gentleman on XX/XX/XXXX this Last month and Told him to go back and look in his files at the POA that was sent to him in a PDF on XX/XX/XXXX he put me on hold to go talk to his supervisor because he said the POA documents were not all there But I opened up the email and told him there are only 3 pages to the power of attorney they are all there they're just in the wrong order. These were the same POA documents that they said before that they didn't have all the pages when they've had all the pages the whole time from the very first time I sent them to him the POA has never changed.Then I found out later that he didn't even bother to tell me that I was unenrolled in the program again and that my house is now being sold in foreclosure on XX/XX/XXXX I didn't find this out till I called back and spoke to not a very nice lady who screamed at me and told me this on the phone. I have been trying to get this cleared up now for probably over a year they have had PDF copies of the orginal POA for over a year and every single time I send them What they Ask for they change it and want something different. I speak with these people on the phone at least 3 times a week. I have given them everything they asked for I have paid my mortgage payments. Every time I speak with somebody it's different story every time.
Last week the lady I spoke with told me that until they approve me for the program again that my foreclosure will be stopped, then 2 days later I was told that was incorrect. So now they are immediately sending me to foreclosure and Sale XX/XX/XXXXXXXX XXXX
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| 08/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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M & T Bank Account Number : XXXX Loan ID : XXXX On XX/XX/XXXX, M & T Bank ( MTB ) in cooperation and coordination with third parties ( which will be identified below ) sold my house through a wrongful Trustee 's Sale.
MTB in cooperation and coordination with third parties did not comply with all the conditions precedent to completing a Trustee 's Sale as set forth in Section 22. Acceleration ; Remedies. of the deed of trust.
The most pertinent part of Section 22, in the first paragraph, was that, I as Borrower, had the ... the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. ....
MTB did NOT notify me that I had a RIGHT to bring a court action to assert the non-existence of a default, but that I only had Loss Mitigation options. A copy of MTB 's XX/XX/XXXX loss mitigation letter is attached as Loss_Mitigation_letter.PDF.
A literal reading and my interpretation of that part of Section 22 is once a court action is brought it applies to both acceleration and SALE.
On XX/XX/XXXX, I filed a Lis Pendens given constructive notice that a Petition had been filed and that an action had been commenced and is now pending in the Circuit Court Of XXXX County, XXXX, Missouri against MTB and other defendants for the Cancellation of Written Instruments, Quiet Title, Declarative Relief, and to assert the non-existence of a default on a loan.
A copy of the certified Lis Pendens is attached as Lis_Pendens.PDF.
On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX XXXX AS Trustee FOR XXXX XXXXXXXX XXXX PASS-THROUGH CERTIFICATES, XXXX XXXX ( XXXX ), the alleged legal owner of the loan, was served, by certified mail ( XXXX ), with the Petition referred to in the Lis Pendens giving actual notice to XXXX that a court action had been brought to assert the non-existence of a default and other remedies.
On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ), the purported servicer, was served, by certified mail ( XXXX ), with the Petition referred to in the Lis Pendens giving actual notice to XXXX that a court action had been brought to assert the non-existence of a default and other remedies.
On XX/XX/XXXX, at XXXX XXXX, XXXX, XXXX. ( XXXX ), the purported Successor Trustee, was served, by certified mail ( XXXX ), with the Petition referred to in the Lis Pendens giving actual notice to XXXX that a court action had been brought to assert the non-existence of a default and other remedies.
On XX/XX/XXXX, at XXXX XXXX, MTB, the servicer and purported owner, was served, by certified mail ( XXXX ), with the Petition referred to in the Lis Pendens giving actual notice to MTB that a court action had been brought to assert the non-existence of a default and other remedies.
XXXX, MTB, XXXX, and XXXX cooperated, coordinated, and decided to continue the Trustee 's Sale process notwithstanding that I had brought a court action to assert the non-existence of a default to acceleration and sale. in compliance with Section 22 of the deed of trust.
XXXX, MTB, XXXX, and XXXX cooperated, coordinated, and decided to continue the Trustee 's Sale process notwithstanding that they had constructive notice by way of a Lis Pendens that had been filed six days before the Trustee 's Sale.
XXXX, MTB, XXXX, and XXXX cooperated, coordinated, and decided to continue the Trustee 's Sale process notwithstanding that they all had been served with the Petition referred to in the Lis Pendens and all had actual notice of the court action before XX/XX/XXXX.
The most pertinent part of the second paragraph of Section 22 of the deed of trust reads as follows : If Lender invokes the power of sale, Lender or Trustee shall mail copies of a notice of sale in the manner prescribed by Applicable Law to Borrower and to the other persons prescribed by Applicable Law. Trustee shall give notice of sale by public advertisement for the time and in the manner prescribed by Applicable Law.
The Applicable Law in the State of Missouri prohibits a foreign corporation from serving in the role of a Trustee. MTB and XXXX appointed XXXX of XXXX XXXX, KS as Successor Trustee. XXXX is a foreign corporation.
The Applicable Law in the State of Missouri for public advertisement reads in pertinent part ... shall be given by advertisement, inserted for at least twenty times, and continued to the day of the sale, in some daily newspaper, in counties having cities of fifty thousand inhabitants or more, ...
XXXX did not comply with Applicable Law as to public advertisement, in that, XXXX did not insert advertisements for at least twenty times, and continued to the day of the sale, in some daily newspaper, but only made a total of four public advertisements on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in a newspaper that only included LEGALS on Fridays.
A copy of the advertisement of the Trustee 's Sale is attached as Advertisement_for_Trustee's_Sale.PDF XXXX, MTB , XXXX , and XXXX are attempting to obtain money or property by means of false or fraudulent pretenses and representations see 18 U.S.C. 1341.
XXXX, MTB, XXXX, and XXXX by their coordinated mailing and publication of the Notice of Trustee 's Sale are threatening to injure my reputation see 18 U.S.C. 876.
XXXX, MTB, XXXX, and XXXX have conspired to foreclose on my property for which none of them have a legal financial interest.
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| 05/18/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Older American |
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CFPB, Pl noted that I have 40 years loan, that started XXXX - XXXX that Wilmington Trust/XXXX scheduled a " Notice of Sale '' demanded me to pay off my loan dated XX/XX/XXXX of amount due of {$620000.00} against the terms of my loan and violation of law. Also, on reinstatement quote dated XX/XX/XXXX that I have until XX/XX/XXXX to reinstate my loan by Law, but Wilmington Trust deprived my civil and legal right and barred me from reinstated my loan upon repeatedly requests and filed foreclosure prevented me from reinstated my loan on a pre-mediated ill-intent.My loan balance is {$500000.00}, back pmt of 25 month x XXXX = {$52000.00} total owned $ XXXX {$620000.00} = {$64000.00} over excessive charges. Illegal and Wrongful foreclosure targeted the minority a " Economic Lynch '' works beautifully and extreme profitable with the green light from the governmental agencies. Please see the attachments : also. subject complaint has nothing to do with my civil case as my prior complaints stated at such. Please see my lawyer XXXX XXXX emailed to Wilmington Trust lawyer XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( 21 hours ago ) to XXXX, XXXX, XXXX, me Counsel : You and your client have my permission to speak with Ms. XXXX directly. Thanks, 1, Foreclosure notice scheduled XX/XX/XXXX, Loan amount of {$620000.00} 2. Total balance due : {$500000.00} per Mortgage monthly statement and lawsuit paper. 3. XX/XX/XXXX Illegal Escrow Account Disclosure Statement demanded loan pmt of XXXX effective XX/XX/XXXX by Fraud, that XXXX enforced an illegal escrow account failed, rejected, refused paid any of my property tax and insurance, never provide receipt either. 4. Property tax paid receipts by me from XX/XX/XXXX - XX/XX/XXXX 5. Account Details and Bill History that XXXX downloaded from public web and submitted to Civil Court, BK Court and CFPB committed Fraud. 6. Cashier Check of {$62000.00} # XXXX dated XX/XX/XXXX registered to Wilmington TrustXXXX, and returned 7. 9 Months payment from XXXX XXXX - XX/XX/XXXX checks total of {$18000.00} by registered mail to XXXX, and all returned again by Wilmington TrustXXXX XXXX Wilmington Trust/XXXX 's two reinstatements including the property taxes which Wilmington refused, rejected and failed to pay my tax since XXXX - XXXX and couldn't proven by XXXX XXXX XXXX tax collector receipts committed the 8th times of illegal and wrongful foreclosures per above hard-core evidences. And Wilmington Trust failed serve the mandate of a " Escrow Account '' and had no intend pay My property tax and insurance, which is against law by knowing and willing committed Fraud. 9. I called many times to XXXX XXXX Property Tax Collector, and questioned if there were Double payments of my property tax, the answers were always " No '' there were no double payments from Wilmington Trust at all. 10. On XX/XX/XXXX again, I send a Cashier Check of {$65000.00} per reinstatement Quote dated XX/XX/XXXX with 16 pages of attachment included a letter explained the Itemized reinstatement amount sent. Also, attached 11 pages of my property Taxes receipts from XXXX XXXX XXXX XXXX from XXXX, XXXX - XX/XX/XXXX, XXXX and my bank account statements reflected and recorded property taxes paid. CFPB, please see the 8th times illegal and wrongful foreclosures scheduled XX/XX/XXXX that Wilmington Trust/XXXX filed against me Repeatedly, that I filed numerous complaints to your agency since XXXX and Wilmington Trust has no fear and not afraid any of any governmental agencies but over-ruled any Governmental Agency 's mandates, rules, regulations and of course the Laws. I am hereby requesting CFPB filed class law suit stopping the violent atrocities against the borrowers in general, me, in specific. All of my hard-core evidences provided necessary indictments of said lawsuits and I will be a willing witness in the rule of the law before the Court. If Wilmington Trust at it's will go around the states foreclosures any and all properties as it Free Will without any governmental oversight that causes extreme danger to stabilities of our society and rocking the security, safety and protection of citizens/borrowers civil, human and legal rights. Please also, takes into consideration of previous 7 times of illegal and wrongful foreclosures As following that I filed plethora and jaded complaints out of desperation and hopeless and Plea for the governmental 's justice and equity. CFPB case # # XXXX, # XXXX ; # XXXX complaints filed. I am foreclosed on XX/XX/XXXX per escrow account. I filed bk case # XXXX which later dismissed. Also,, my civil court case # XXXX XXXX also, dismissed that Judge XXXX XXXX XXXX stated that Wilmington Trust followed book and didn't do anything wrong upon my complaints stated 6 times of illegal and wrongful foreclosures on the following : c. 7th time On XX/XX/XXXX again, Wilmington Trust/XXXX foreclosed my home on the pretense of Escrow Account that Wilmington Trust Couldn't provide any receipt but I submitted receipts of property paid from XXXX, XXXX - XX/XX/XXXX repeatedly to Civil Court case # XXXX XXXX Court case XXXX XXXX and CFPB complaints stated above. On XX/XX/XXXX that foreclosure notice posted on my door ( upon my repeatedly complaints No notice ever given upon 6 times illegal and wrongful foreclosures prior years )
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| 12/11/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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I first opened my HELOC around XX/XX/XXXX and at that time the bank required that the payments be debited from the primary checking account. Needless to say, I never missed a payment or been late on a payment because the money was always automatically debited from my account.
A couple of months ago, I had an issue with my debit card so I called the bank to rectify the situation and I was told that my account had been closed. I thought this was a mistake so the next day I went into the branch and the Customer Service Rep told me that they didn't have any information and that I had to call customer service. I went home called customer service who redirected me back to the branch. I went back to the Branch and this time I asked to speak with a manager. After about an hour of phone calls to the " back-office '' I was told that someone would get back to me by the end of the week.
I followed up two days later and the branch manager asked if I had received any notices in the mail. I let her know that I had since moved to a new address and she explained that she had never seen anything like this but, it looked like the accounts were closed out and checks were issued to my old address. I immediately asked why and she went on to explain that there was no information in the system and that she could no longer access the account number because the accounts had been closed out.
Without any explanation or reason, my accounts were closed due to bank procedures. No one could give an explanation. My web banking was shut down and I was told it was because I had closed out my account relationship. Once I received the official checks I went to another institution to open up new accounts. It took a couple of weeks for my funds to become available because of the check amounts and because it was a new account.
During this process of switching banks and not having access to any of my account and web payment history I was unable to keep up with all of my automatic debits. I had no idea what was paid and what had cleared my accounts prior to the closing. I had all my bills deducted from that checking account which I had for over 15 years. There was collectively over {$10000.00} in my various checking and savings accounts. I also, had about {$8000.00} in equity on my HELOC.
In XXXX, I received my first phone call from the bank and it was in regards to a collection effort which was weird to me because I had never received any calls or heard anything about my loan or any of my accounts. I had made weekly visits to the bank to deposit money and withdraw cash periodically. I even made teller transactions and at no point did anyone say that they had been trying to reach me or update my account information. The collections department informed me that I was 76 days late on my HELOC and as a result I no longer had access to the Line of Credit. My response was why didn't you inform of this earlier before you closed out my Line of Credit. Why did I not receive a phone call before all my accounts were closed and the Rep on the call told me that he's in collections and he didn't know that my accounts were all closed out and he transferred me to the mortgage department. Once transferred I asked why no one called me to make me aware that all of my accounts were going to be closed and why no one ever explained what happened to me. She went on to explain that there is a Federal Regulation that requires the bank to update customer information and they send out letters every 5-years and that if they dont get a response it triggers an alert and the process begins to close out the account. I explained to her that I had moved from that address but I still owned the property. Then I asked why they don't just call people to update the information and she said that unfortunately that department just sends letters. She went on to say that usually people receive the letters and then call the 800-number or come into the branch to rectify the issue or update the information.
I told her that I never received the letters and I thought that this process was unfair because I did not receive any phone calls until all my accounts were closed and my HELOC had been rescinded and my Line had been closed. She went on to apologize for the confusion as she could see that I never missed a payment since the inception of the Loan and that there was nothing she could do once the accounts were all closed out. I asked her for the payment information and made arrangements to send in a payment within the next 10-days.
This was a horrible experience for me! I never been so scared or embarrassed. My credit score was severely impacted by this whole ordeal because of all the missed payments! I don't think it is not right for the bank to be able to close out your account ( s ) without at least calling you first. The first phone call I received from the bank was 76-days after my last HELOC payment was automatically debited from my checking account. Collections had my phone number so, its hard for me to believe that the branch or the front-office did have it. I was told that all of this could have been avoided if they were able to update my information in XXXX. My phone number never changed. I've had the same cell phone number for 18 years. Please HELP!!
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| 01/26/2018 |
Yes |
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- Trouble during payment process
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Web |
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Despite paying each installment of our loan over the past 2 years, M & T Bank states that we are in default. This is due to XXXX ( our previous mortgage holder who sold to M & T ) misplacing a payment at the end of XX/XX/XXXX We have been trying since XX/XX/XXXX to correct this issue. Unfortunately, XXXX sold our loan and informed the new mortgage holder that we were in default at the time of the sale. M & T, despite receiving proof of this error on multiple occasions has perpetuated XXXX error for 12 more months. This has grossly damaged our credit over the past year and has led to several thousand dollars of our money being given to M & T in extra payments and fees charged, all in an attempt to stave off problems until XXXX error could be corrected. The details of this case are included below and in more detail in the documents attached ( including a record of all payments to both companies and a detailed record of our interactions with both companies ).
SUMMARY OF THE FACTS : Please find attached legal proof of payment for all transactions made over the course of our mortgage with XXXX ( the previous mortgage holder ) and then M & T Bank starting from the first payment to XXXX on XX/XX/XXXX and ending with the most recent payment to M & T Bank this month. All payments we made through Prearranged Payment and Deposit Entry which legally only requires a copy of our bank statement showing the removal of the funds and the name of the receiver of the funds.
Also find attached a summary of all payments made to XXXX or M & T and the manner in which they were intended to be credited. You will note that XXXX has lost a payment which should have been credited to the XX/XX/XXXX installment. Thus began a 12-month process of trying to get credit for a payment we have already made.
We first contacted XXXX on XX/XX/XXXX to address a letter we had received stating that they had not yet received our XX/XX/XXXX payment. We sent the attached proof of the payment to the fax number XXXX to the Attention of the Research Department, Payment Dispute. We never received any correspondence or response to this inquiry from XXXX. On XX/XX/XXXX we received a letter informing us that M & T had purchased the loan. We contacted both XXXX and M & T and were told that we would have to wait to contact M & T in XX/XX/XXXX to dispute the payment history. We went ahead and made a payment to XXXX at that time because by our records, even though we had paid the disputed XX/XX/XXXX payment, the XX/XX/XXXX installment was due. This payment was subsequently forwarded to M & T by XXXX, apparently on XX/XX/XXXX.
On or around XX/XX/XXXX we successfully spoke with a M & T representative for the first time and requested that the missing payment be researched. Following this, we received a letter dated XX/XX/XXXX from XXXX XXXX in the XXXX XXXX XXXX acknowledging the inquiry and stating that someone would contact us as soon as the research is complete. We never received any contact regarding the conclusion of that inquiry. We made multiple calls inquiring about the results but were always informed by representatives in the XXXX XXXX XXXX that it took time to process these types of requests and that we would hear from someone soon. We continued to pay the accelerated payments in an effort to keep our credit from being affected while the research took place.
On XX/XX/XXXX, after we had already paid the disputed amount in full awaiting the inquiry resolution, we called in to again inquire about the resolution of the payment inquiry. We were informed that the missing payment had finally been located. For this reason, we were told we did not need to make one payment since we were one payment ahead. Unfortunately, we were then contacted regarding our late XX/XX/XXXX payment. We were told that the missing payment had never actually been located and we were therefore behind again. On XX/XX/XXXX we again requested that an inquiry be launched into the missing payment.
To date, despite multiple calls spanning MONTHS ( from XX/XX/XXXX to XX/XX/XXXX ) and requests to know the status of our inquiry, we never received any type of contact from a representative of the XXXX XXXX XXXX in the process of researching this payment or giving us a conclusion to the research.
After finally contacting the Customer Service Department, we were told on Tuesday, XX/XX/XXXX by XXXX, a supervisor in the Customer Service Department, that M & Ts research into the missing XX/XX/XXXX payment was concluded in XX/XX/XXXX and that it showed it was located by XXXX and transferred to M & T on or around XX/XX/XXXX. We believe this to be incorrect as the only payment forwarded to M & T by XXXX after the purchase was our XX/XX/XXXX payment, as reflected by our M & T statements.
Respectfully, we have sent the proof of payment to XXXX once have presented M & T with this information on 4 occasions. Meanwhile, over the past year we have suffered negative effects to our credit, the stress of trying to keep current on a loan we for which we have actually been ahead and have been subject to late fees we did not deserve. We ask that you facilitate correcting this egregious error.
|
| 06/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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THIS IS NOT A DUPLICATE COMPLAINT. BUT AN UPDATE TO THE BILLING ERROR AND NOTICE OF FAULT/OPPORTUNITY TO CURE.
I, XXXX XXXX XXXX, consumer whom in competent and of sound mind and age, is filing this complaint under my own accord. I all statements made are true and accurate to the fullest extent of my belief. I have sent M & T bank an affidavit of truth requesting the original promissory note with my Original wet blue ink signature, the account ledger showing where the funds originated from showing that M & T Bank lended me money, I requested the Generally accepted account practices, proof showing that the deed and promissory note was filed with the county recorder and the original promissory note was not securitized and sold,. In the Affidavit, M & T Bank has not rebutted any other these requests point by point. They have sent me communications with past statements, balances, a bad copy of the promissory note that only has my signature on with an unknown person who " ALLEGEDLY '' signed the note. If this promissory note is suppose to be a bilateral contract, which the definition of a bilateral contract is a promise in exchange for a promise between parties. An implied-in-fact contract is a bilateral contract even though it may be established by an action rather than a verbal promise. The attachments that M & T BANK has senT through the CFPB portal included a copy of the promissory note used by XXXX XXXX XXXX XXXX and not the original. On that copy of the promissory note, there are a few initials that I dispute as as not my own, the signature on page 19 of the note, there is no name of the alleged witness, just a super imposed signature that is not of the original note. Also the notary stamp of this note does not appear to be the same date this note was originated nor does the notary stamp appear to be original to the document. This would be considered fraud if the notary stated I endorsed the note in front of her, when in i Fact I did not. I can not make out whether it was stamped XXXX or XXXX. How do I know the Anonymous signature of some unknown person on the note is an employee of M & T Bank? There is no name or position of this person. Due to M & T Bank 's constant fraudulent activity, I believe that was done after I endorsed the note under the misleading thought that I was borrowing from M & T Bank and they will not rebut any of my affidavits with an Affidavit rebutting these FACTS. When an affidavit is not rebutted point by point, it is implied that the Affidavit is factual and undisputed. when the law states 12 U.S. Code 1431 - Powers and duties of banks a ) Borrowing money ; issuing bonds and debentures ; general powers Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. So knowing that banks can not lend their own money and they can not lend their customers money, How is it that M & T BANK " Lent '' me funds and I am responsible for this debt knowing that 18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. I used used Federal Reserve Notes as tender of payment, which according to the Federal Reserve Bank, is considered a promise to pay and not lawful money. According to the 12 USC 411 The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States.The Secretary of the Treasury shall pay interest due or accrued on the public debt. Also 31 usc 3123 ( b ) As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. Your company has created the false believe that I, the Consumer is obligated to pay this debt using Federal Reserve Notes or Floating Rate Notes, which is false and is considered extortion under 18 usc 1961.
AGAIN THIS IS NOT A DUPLICATE BUT AN UPDATE.
M & T has not provided any of the requested information via Affidavit nor have they properly rebutted any of these facts under the penalty of perjury. I have submitted proof attached to the complaint. The proof attached is their documentation send via CFPB portal
|
| 11/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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In XXXX before I " bought '' my XXXX XXXX XXXX XXXX N.J. house I called many attorneys to do the closing because they all declined to do the closing for a variety of reasons that include that the house has already been foreclosed on and the that the house belongs to a pool of homes owned by the XXXX of XXXX, N.J. and that the house could not be sold. I received a call back from attorney XXXX XXXX XXXX who said that the other attorneys are mistaken and that we could go forward with the closing right away. I contacted XXXX about many discrepancies on the closing documents several times and he explained that I am worrying about nothing. It turns out that the deed itself has imperfections on it and that the title insurance is NOT for my property. The deed and the title insurance are not even close and there are just too many discrepancies to believe that they are errors. For example in addition to the aforementioned items the sellers undersign certification of the penalty of perjury listed that the property being sold was XXXX XXXX XXXX and not the correct address of XXXX XXXX XXXX. I have been trying to sell the house because of financial problems that started right about the time I " closed '' on the house in XXXX I was XXXX years old with a high paying white collar job for a blue chip company with perfect credit and I mean perfect credit. No matter how many times I buy new phones and get new cellular telephone service my phone are on the XXXX XXXX XXXX network. I have been subject to call interception and voice impersonation. My emails get intercepted and impersonated and XXXX of N.J. has been captured on my computer. Just to give you an idea that I am telling the truth my XXXX phone number ( XXXX ) XXXX has the Mobile Identification Number ( MIN ) XXXX The MIN identifies the Mobile Station Number and that is NOT XXXX XXXX. I was impersonated on my job at XXXX XXXX XXXX XXXX and my phone calls were intercepted with caller ID SPOOFING and voice impersonation it does take long to lose your job especially it the intention is to make you look as if you are crazy and not remembering temper flare ups and all kinds of important things. I AM ADAMANT THAT THE PHONE AND INTERNET TAMPERING ARE ASSOCIATED WITH TRYING TO GET ME TO SELL MY HOUSE UNDER DISTRESSED FINANCIAL CIRCUMSTANCES. I had a very steady upward climb with my career until I bought this house and once I was able to capture evidence of phone and internet interception and impersonation my career is ascending again. The problem is I was XXXX when I bough the house in XXXX and I will be XXXX in less than one week. The phone tampering with caller ID SPOOFING and call INTERCEPTION WITH VOICE IMPERSONATION should not be taken lightly. If I didn't figure out that the phones and the internet were sabotaged I would be completely out of money costing the TAX PAYER a fortune because the tactic deployed with the phones and the internet are designed to get people to believe that they need XXXX XXXX XXXX. I can tell you right now I have no criminal record and there has never been any incident that would even remotely imply I need XXXX XXXX XXXX. I have requested XXXX XXXX to produce a copy of the pay off to Hudson City Savings Bank ( HCSB ) for years and they have failed to show that they paid anything for my HCSB mortgage. I have contacted M & T Bank who bought HCSB and they have not been able to produce ANYTHING that shows that I have a mortgage. The records show that the mortgage was not filed and XXXX XXXX held the " mortgagge '' from XXXX to XXXX and then assigned the mortgage all over the place as if they are going to confuse any party that tries to get the cancelled pay-off to HCSB XXXX XXXX has failed to produce the discharge of the mortgage that they allegedly paid off. I feel that this type of fraud should be a priority with LAW ENFORCEMENT since making sure people don't work and making sure that their social avenues get closed results in ex-homeowners being placed on government assistance. If I didn't figure out it was the phones and the internet I would think that I was losing my mind and go on government assistance. Fortunately I figured out that the phone and the internet tampering were the problem and got a job in XXXX by applying in person. Its not easy but it can be done. Its also very hard to find a lawyer with a tampered internet while getting calls intercepted but it will get done. I have started the rebound process and I am sure that the problems go back to buying the house. Every last thing is designed to disconnect the victim from everybody so they look like they are crazy. I was lucky I want to help the next person avoid this type of stuff. I want this to be a criminal investigation to help protect others from being victimized. What makes things worse is that the closing attorney XXXX XXXX XXXX has some how ... worked his way to be XXXX XXXX Judge XXXX. No record of the mortgage being paid off. The title insurance is NOT for the deed location and I was sold XXXX XXXX XXXX and NOT THE CORRECT LOCATION OF XXXX XXXX XXXX. THERE IS A LOT MORE TO THIS I have proof and want to see this stuff stop.
|
| 02/11/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
Servicemember |
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I was a victim of theft and fraud on XX/XX/2018. Thieves stole my entire purse with a check book in my wallet. They then forged about 9 checks that cleared my bank account and robbed me of XXXX putting my bank account in insufficient funds. I put a hold on my checking and savings account. When I received the notices on my phone I called the bank immediately. Nobody could help me until XXXX my time. I even tried to stop payment randomly off of the check images to prevent them from going through.
There were 5 checks in the amount of XXXX, 1 check for XXXX, 1 for XXXX, one for XXXX and 1 for XXXX. The checks were wrote out to two females names who forged all the checks and my signature. I have then received XXXX more notices that additional checks are possibly being cashed, not hitting my account since a freeze was issued. Are check cashing establishments just cashing these checks without asking for ID?
They then tried to cash 7 more checks in significantly higher amounts.
The amounts of the additional checks are, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.
All three of my statements say these checks were returned and NSF. I am not sure if these thieves are getting the funds or not. They need to be caught since a significant amount of money is being stolen from me and my bank. I have called the bank many times, sent them surveillance of my theft and sent them my police report.
I also submitted an affidavit to the bank, they provided to me.
Currently this is being investigated by my bank, and they are holding my funds that were originally in my bank account which was only XXXX. They will not release the XXXX until all checks against my account have been disputed and that could take up to 120 days. I feel that the bank should not be holding my actual funds that were in my account, due to someone else 's fraudulent activity. I then opened up a new checking and savings account online, since there are no branches where I live. I opened them up, transferred some of my savings into my new savings. I received a letter stating that I would have to send them my SS card and utility bill to verify who I was. I thought I was waived of that since my SS card was stolen. I was not, I tried to set u p my bill pay and I could not due to I was getting errors messages online saying the account I was entering was invalid. I called the bank and evidently there was a hold on my new account. I then realized when I got married I had to send a copy of my SS card and marriage license to my previous part time company I worked at to verify my name change. I found the email, printed the PDF of my social, included my utility bill and faxed it 4 times to the verification dept for my bank. I then emailed it to the rep at my branch who is helping me with the fraud. She tried to reach out many times as well. I was able to get through and they then would not release the hold on my new account due to they wanted the police report faxed. I then had to go on my lunch break and get a copy of the police report. I faxed all the information again to the verification dept, emailed my branch rep. It took all day to remove the hold. Apparently nobody communicated in all the other departments that I was a victim of fraud as well. That does not make sense to me since I call the bank and they place the hold on my accounts and note the fraud. I was told collection would try to recover the XXXX dollars that was fraudulently taken since there were no notes on my account. Why should I have to pay back money that was stolen from me and my bank? I am the victim, I should say my bank and I are the victim. My branch rep has been very helpful, and supporting me as much as she can. I do understand the caution of the bank putting the hold on my new account, but why would I even open a new account with the same bank if I was committing fraud? I am a loyal customer and choose to be with my bank even though there are no branches where I live, or ATM 's. For the bank to try and hold my funds from me when I have bills to pay makes me angry, they did not make anything easy for me. The only one who helped me was my branch rep and she did as much as she could.
Who know 's how many other checks the thieves will cash from my check book, as it was almost a new check book stock. They also have my SS card, address and other personal information that was in my purse.
I really hope these people get caught and justice is served. I have been a member of my bank since the XXXX 's. I have never been a victim of fraud, or even had insufficient funds. I feel terribly violated and have lost my feeling of security. I hope 30 years in prison for forgery and theft is worth the crime for these thieves. I hope they are caught and can not hurt anyone else.
I hope there are ways in the future to alert places that are able to cash checks that are reported stolen by the routing number. So when criminals try to cash checks on an account or routing number that is on hold for fraudulent activity the check cashing places are alerted and they can contact the police.
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| 10/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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In XXXX of 2018, I financed a new travel trailer from XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX on XXXX XXXX in XXXXXXXX XXXX, FL. The loan closed on Thursday XX/XX/XXXX, with XXXX XXXX XXXX employee XXXX XXXX. During the loan closing, the terms were presented as well as the monthly payment with ALL ancillary products, specifically, and including : 1. Travel Trailer Service Agreement ( XXXX XXXX XXXX XXXX ) 2. Good Sam Tire and Wheel Service Contract ( XXXX XXXX XXXX XXXX ) 3. Good Sam GAP Deficiency Waiver Addendum ( XXXX XXXX XXXX XXXX ) 4. Exterior/Interior Protection Package ( XXXX XXXX XXXX XXXX ) The premiums for the add on products were disclosed on the itemization of amount financed, but I was never quoted a payment without the ancillary products. Mr. XXXX was assertive that being " fully protected '' would only raise the payment $ XXXX monthly. After I returned home that day, excited about the new camper, I proceeded to really look closely at the paperwork. The finance charge was almost as much as the trailer itself. Granted the loan ( which was approved through M & T Bank ) was on a 15 year term, but after looking at the deal in a loan calculator without the {$6800.00} in add-on products, the monthly payment on {$11000.00} loan at rate of 6.74 % would have been {$98.00} on a 180 month term. This was never disclosed, and the manner in which the monthly payment was presented was in fact a false statement from Mr. XXXX and both an unethical and deceptive manner in which to do business.
On XX/XX/2018 I sent an email to both Mr. XXXX and a Mr. XXXX XXXX ( another AC RV associate who was helping us thorough the purchase process ), advising them that I wanted to cancel ALL add-on products. In the email, I referenced the year, make, model and VIN # of the trailer as well as the closing date of the loan. In addition, I asked that any cancellation notices that needed to be signed on my part be provided to me by XXXX XXXX ( aka XXXX XXXX ). Later that same evening, ( XX/XX/18 ) I forwarded the email I had sent Mr. XXXX and Mr. XXXX to XXXX XXXX, the Sales Manager for XXXX XXXX XXXX.
On Thursday XX/XX/XXXX, after not receiving a response to my XX/XX/XXXX email, I proceeded to visit the XXXX XXXX XXXX ( XXXX XXXX ) location where purchase was made. While there I spoke with Mr. XXXX XXXX and advised him that I wished to cancel ALL of the add on products. It was at this time that Mr. XXXX provided me with the XXXX Cancellation Checklist. He advised that it needed to be completed for submission. I completed it on the spot, and even had Mr. XXXX provide me a copy with my signature which was executed on the same day, XX/XX/18, one week after loan closing.
On XX/XX/18 I spoke with XXXX in the M & T Bank call center. I apprised him of the situation and he transferred me to Sue in the M & T Bank servicing department. Sue asked that I fax the following information to their installment loan servicing department : * name * account number * contact info * general synopsis of what the issue with the dealer was This was sent to M & T the next day, on XX/XX/2018. Shortly thereafter, I spoke with XXXX XXXX in the M & T research department. She advised me that my information was received and that she would begin taking the necessary steps to get the {$6800.00} refunded from the dealer and applied to the loan balance. I had asked her if the loan could be recast or re amortized after the refund. She advised me it could not. I told her that I would make the payment as shown on the payment coupon, so as not to impair my excellent credit rating. Ms. XXXX advised me that it would be several weeks before the process would be complete.
On XX/XX/2018, I called M & T Bank again. I spoke with XXXX in the call center. He advised me they " have all the info they needed ''. He explained that the last update was from XXXX on XX/XX/18 and they were continuing to follow up with the issuing companies. XXXX explained that " we '' ( as in M & T ) could look at recasting after funds were applied to the account. He explained that I could follow up in 7-10 days if I didn't hear anything.
Today is XX/XX/2018. It has been almost 90 days since I visited the XXXX XXXX ( XXXX XXXX ) dealership where I made my purchase to cancel the add-on products. To this point, I have never had ANY follow up with XXXX XXXX XXXX ( XXXX XXXX ).
I also reached out to M & T Bank again today. I spoke with XXXX in the Call Center and asked for my call to be escalated. I was transferred to a Call Center Manager, XXXX, who was not able to provide any further information towards resolution.
At this point, I am tired of having to continually repeat my story, so I am seeking help from the CFPB. In terms of the products added on to the trailer, the premiums to date, have yet to be refunded. Also, just to be 100 % clear, the Exterior/Interior Protection Package was never applied, so I am not trying to seek a refund for something that was actually added. I continue to pay both principal and interest on products I sought a refund for 3 months ago.
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| 02/26/2020 |
Yes |
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Web |
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In XX/XX/XXXX under the advisement of one of my doctors, I decided to resign from a company that I had been working for for 10 years. Despite the fact that my wife and I had never missed a mortgage payment in our lives, we proactively reached out to our current mortgage company, because we understood that the likelihood of missing a payment would drastically increase during my career change which would likely include a relocation to another state. Our mortgage company at this time was XXXX XXXX. Initially, they proved to be very understanding and resourceful. A couple of months later we miss a payment. We maintained weekly contact with XXXX 's office and they reassured us that as long as we maintained the verbally arranged repayment plan, our credit would not be affected, because the my wife and I knew that we would be attempting to purchase another house once we settled in XXXX. By XX/XX/XXXX, I had signed a contract of employment with XXXX for a startup project in XXXX XXXX XXXX, XXXX. Originally the contract was for a full relocation package ; but due to budget problems with the project, XXXX drastically reduced the relocation support which originally included a household goods move, transport of two vehicles and support to sale our current house and support to purchase a new house in XXXX. The package was reduced to a one time payment of {$10000.00} only. My wife and I took it in strive are started the process of moving across country on extremely low budget. Unfortunately for us, the company that we ending hiring to move our house hold goods, was a company that the FBI had been investigating for several years for racketeering. Article is here : https : XXXX My wife and I never received our house hold goods while we were in XXXX. At this time my wife and I started making arrangements to have our house in XXXX XXXX placed on the Market.
Things started off bad at XXXX and continuously got worse. Also while my wife and was in the middle of wrapping our verbally agreed to repayment plan to caught our mortgage up XXXX decided to sell our mortgage acct to M & T Bank. By XX/XX/XXXX, my wife and I decided that it was probably was in our best interest for me to seek new employment, preferable in XXXX XXXX, XXXX in order to stop our mortgage from going under. By XX/XX/XXXX, my wife and I relocated to back to XXXX XXXX, XXXX. Luckily for us this was also the time that the FBI started raiding and making arrests on their investigation XXXX XXXX XXXX. And within two days of being back in XXXX XXXX, XXXX, the federal government was able to give the location of household goods.
As stated above, when XXXX sold our mortgage account to M & T Bank my wife and I wasn't quite finish with completing our catch payments that we had arranged with XXXX. By the time M & T Bank had control of the account, the first thing they did was threaten us with foreclosure. By the beginning of XX/XX/XXXX, my wife and I had recovered our mortgage to a point where the threats of foreclosures ceased from M & T Bank. During this short time back in XXXX XXXX, XXXX ; a promising career opportunity landed in my lap. The position was in XXXX, XXXX. By the end of XX/XX/XXXX, my wife and I was living in XXXX again. Contract wise, this relocation went a lot smoother. Not only did they pay for a reparable company to complete our house goods move, they also are currently providing our temporarily housing while my wife and I find one to purchase.
Within the 1st week of XX/XX/XXXX, I received an email alert from the water company in XXXX XXXX, XXXX ; basically stating that they have noticed a huge increase of the water usage at my address. That evening, I had a friend check on the house for me. That's when we ultimately learned one of our water supply lines had burst on the third level of the house. The realtor was scheduled to place the house on the market the following week. Instead we ended up having take out {$200000.00} insurance claim, that ultimately took 8 months for the contractors to complete.
By XX/XX/XXXX my wife and I was less than one payment behind on our mortgage. By XX/XX/XXXX we were less than 1/4th of a payment behind on our mortgage. In XX/XX/XXXX, M & T Bank finally reported our current. It was never late again and we ultimately sold the house in XX/XX/XXXX. Mortgage with with M & T Bank was paid in full.
In XX/XX/XXXX, my wife and I applied for our 1st mortgage here in XXXX. Every since we successfully sold our house in XXXX XXXX, XXXX ; we had been repairing our credit, paying off more than {$40000.00} of our credit bills. By the middle of XX/XX/XXXX we were given clearance to close by our new mortgage company for XXXX XXXX, but we have to convince M & T Bank to do a " goodwill '' hardship update to the comments on my credit reports. Basically, deleting the XXXX late payment showing on my credit report. Therefore I my wife can close on our new house now ; instead of waiting until XX/XX/XXXX. M & T Bank is refusing to corporate. Basically telling my wife and I that they don't want assist us.
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| 04/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
Servicemember |
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XX/XX/XXXX - Purchased vehicle form XXXX XXXX traded in vehicle with existing loan that was to be paid off by dealership ( $ 15,000+- ) - signed paperwork for XXXX ( just about {$57000.00}. ) While signing the paperwork for XXXX, I used a POA for my husband 's signature because he was out of the country on Military Orders. Left the dealership under the impression that my Florida license plate could not be transferred and that my loan was funded by XXXX XXXX.
XX/XX/XXXX - Contacted Florida DMV, and was assured that I could have kept my Florida plates and there was just a transfer packet involved. Contacted XXXX XXXX regarding this, and after lots of pushback, I was able to get them to register my new vehicle with my existing Floriday plate. I then requested the refund for the taxes involved. After a lot of pushback from the dealership, XXXX XXXX mailed me a check for the difference ( approximately {$1900.00} ) on XX/XX/XXXX. Two months after my original request was made.
XX/XX/XXXX - Received collection call from previous bank, my previous loan had not been paid off on my trade in vehicle. My loan would have defaulted 30 days late by XXXX XXXX. Informed XXXX XXXX that my previous loan was not paid in full, and I had not recieved information on my new loan. The answer I received was that my new loan was fully funded and the payoff check was already mailed. I asked for a copy of the check and the tracking number for the check in transit. I never was given this. I informed XXXX XXXX that I would expect this information by end of business on Monday - I understood it was Saturday.
XX/XX/XXXX - Came into XXXX XXXX for some warranty work, and to have a package installed on my vehicle that I paid {$2500.00} for to protect my black paint. Asked for the XXXX for the dealership and he was not at the dealership that day. I asked to speak to the finance manager regarding the issue with my loan ( s ) I was denied this request and was taken into an office to speak with a different finance manager. When I asked him what was going on with my loan, he informed me that my loan was never funded by XXXX. He mentioned that they had an issue with using a POA. It was then determined that we needed to figure out how to fix this situation. The finance manager mentioned that he would make a few calls and get this taken care of my XXXX the next business day.
XX/XX/XXXX - Received phone call around XXXX from the finance manager at XXXX. He mentioned that he was able to secure the loan through M & T bank. I asked if I needed to come in and sign more paperwork. He said no, they would take care of everything for me. My husband happened to be home for XXXX, and I explained it was not a problem for both of us to come in to sign new paperwork. Again, I was told it was uneccessary. The payment on the new car was due on XXXX XXXX.
XX/XX/XXXX - Came back to the dealership and asked the finance manager when I should expect any communication from M & T Bank. He advised me that I should have already received documentation. Again, he mentioned he would look into it and call me the next business day.
XX/XX/XXXX- no phone call regarding my loan. Statement was received by mail from M & T Bank, with no orgination paperwork in included in the mailer. I also noticed that the loan amount and length of loan was different than what was on my original paperwork, from XXXX. At this point we had not signed any paperwork for new terms or anything for M & T Bank.
XX/XX/XXXX - Made first payment on vehicle loan.
XX/XX/XXXX - Finally received Florida tag information only to find out that some of the information on the vehicle was incorrect. I contacted XXXX again, and they refused to fix the issue. I also asked for the original paperwork for my loan, and I was told that this would be mailed to me. I have never received the documentation for the loan.
XX/XX/XXXX - Asked for a refund regarding a paint protection that was never actually placed on my vehicle. ( {$2500.00} ). Was assured that I would receive a refund in the next few days. Still no paperwork from M & T Bank to show orignation of loan.
XX/XX/XXXX - Went to get legal advice regarding the missing documents, at the military legal office ( JAG. ) At the advice of the legal council available on XXXX XXXX, I am writing this complaint to CFPB.
XX/XX/XXXX - Filed a complaint with XXXX XXXX regarding a different issue with my new vehicle. XXXX XXXX also caused approximately {$2300.00} in damage to my paint over the last six months, and they refused to pay for the damage. I was later infomed by my Sales person that because I was not hispanic, the Sales Managers at XXXX are not going to help me. I had to file a claim on my insurance and am out of pocket {$500.00} for the deductible. My insurance company informed me they were going to pursue XXXX XXXX for the cost of repair.
The most alarming part of this complaint is that I have not signed paperwork for the loan at M & T Bank. I have also never received the documentation on how this loan was originated.
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| 01/02/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX To Whom It May Concern : I would like to formally submit a complaint and request action be taken immediately to rectify this situation. My home loan was purchased by M & T Bank from XXXX XXXX XXXX XXXX XXXX ( XXXX ), XX/XX/XXXX. Before M & T purchased the loan I had been working to bring it to current with XXXX. I had a baby in XX/XX/XXXX and was unable to work causing my account to become delinquent.
I was told by XXXX, who holds my 401k earnings, that I needed a letter of Default that showed threat of foreclosure in order to request the funds ( Demand Letter ). I requested and received the documents needed by XXXX XX/XX/XXXX. I then contacted XXXX and was told they no longer owned my loan and I would need to resolve the matter with M & T Bank. I received notice from M & T bank several days later ( letter dated XX/XX/XXXX ) and contacted them immediately. I requested the documentation needed by XXXX and was told that M & T could not apply or send out any late notices, fees or foreclosure information for several months while the loan transfer takes place and that the letter would be automatically generated and sent out after that time period.
I contacted M & T several other times within that time period just to stay in contact and was told the same information, that I had to wait and it would be sent to me. After not receiving the letter I contacted M & T again at the begging of XXXX. I asked what could be done and how I could get the letter. The representative told me the delinquent statement would be enough for my 401k company even though its not the notice I requested.
Feeling helpless I submitted the late statement to XXXX who again told me that was not enough. After receiving this information back on XX/XX/XXXX, just several days after my previous call, I again immediately contacted M & T and was informed my account had been put into active foreclosure. At this point I requested a supervisor and was put with XXXX XXXX. I explained to XXXX exactly what happened and after his digging into the history found out that the letter I was looking for was sent out prior to M & T purchasing the loan. I explained I had not received this letter from XXXX and was told repeatedly by M & T that they would be getting me the necessary documentation. I am completely capable of making the monthly payments. I intentionally did not make payments because I was informed the letter was coming to me and just needed the additional funds to bring the account current and then monthly payments would proceed as usual.
XXXX said he would try to have a copy of the letter from XXXX sent out to me but would not contain the full amount because it was from months ago. Finally with his help, I did receive the letter and sent it to XXXX on XX/XX/XXXX. I contacted M & T that day to let them know I had the information sent to XXXX for funds and was informed it had now been assigned to an attorney and even more fees would be applied ( which should not be applied ). I requested the attorney information and contacted them as well.
I was very proactive in staying in touch with M & T since they purchased my loan. Had this been addressed correctly, the issue would have been settled easily. I am a single mother of two and now in serious threat of loosing our home because I was lied to and misinformed for months by M & T Bank. The information I requested was withheld and no one ever informed me I was in threat of foreclosure even up to conversation just several days before the status change. If this is not addressed by XX/XX/XXXX I will be contacting the Better Business Bureau, the Consumer Financial Protection Bureau as well as the Attorney General.
Sincerely, XXXX XXXX at M & T Bank suggested I file a formal complaint to M & T Bank regarding my situation and the events that occurred with my loan since the purchase of my loan. I took his advise. The events below are the results of that complaint.
The above letter was sent to M & T Bank XX/XX/XXXX and I was contacted back by XXXX XXXX XX/XX/XXXX. She apologized and said she was doing an investigation and would have something sent out to me by the end of the week. I never received anything. I contacted XXXX back approximately Tuesday XX/XX/XXXX to find out why I hadnt received anything. She again told me she was working on it and would have something out by the end of the week. I again received nothing. I called XXXX back Wednesday XX/XX/XXXX to check the status and left a message. XXXX contacted me back the following day. The only thing I was told was exactly what my complaint to them stated. She again apologized and admitted that M & T had given me incorrect information time and time again and she was escalating my case to her superior on Tuesday XX/XX/XXXX. I have been continually put off and was never offered other options to correcting my loan. I am told that I was given false information and yet no one has done a thing to correct their mistake. I am formally submitting a complaint against M & T Bank.
Sincerely,
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| 07/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I purchase a builing located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. There are Loans from M & T Bankfor Term Loan in the coverage amount {$760000.00} and XXXX XXXX in the principal amount of {$760000.00} dated feeective as of XX/XX/XXXX.
At 50 % of XXXX XXXX for temperally for SBA LOan. Before the closing, Suddenly M & T asked me to {$100.00}, XXXX Saving as additional collateral. When I asked same additional collateral? XXXX XXXX who is M & T Vice president said No, it doesn't matter anything other than SBA Loan.. interest rate will be 2.9 %.
" XXXX XXXX was a contact person For 504 SBA Loan.
Marketing Officer & Assistant Vice President XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Servicing businesses in Maryland, Virginia, Washington DC & West Virginia XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX XXXX XXXX Fax XXXX XXXX XXXX Click here to securely upload files.
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to XXXX, XXXX Good Afternoon, I wanted to follow up on the checklist items below. Please forward them as soon as possible so we can make the next bond sale which is XX/XX/XXXX. IN order to make that we need these items as soon as possible because we would need to close by the first week or two of XXXX. The insurance will take time to get.
Thank you, XXXX '' Suddenly She she took out problem with additional collateral and ask M & T to release the collateral ( {$100.00}, XXXX Saving. they were keep talking abou releasing the additional collatera, as a result of it, l We couldn't finsih it and time went by.
Whenever I asked XXXX XXXX, M & T agent, he contionued to say that it had nothing to dowith the additional collateral. He doesn't know the reason, No reason to delay.
XXXX XXXX XXXX XXXX " " On Tue, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX, We were not able to close until all due diligence items were received. There was an issue with the bank taking the additional collateral. We were waiting to see if they were going to release it when we pay them down. Once we were aware that they were not, we needed to take it as well. The bank can not have a preference. The SBA turnaround times were running about 30 days for approvals. As soon as we got the approval we closed.
The rates are determined on the bond sale date, which is usually 45-60 days following your closing. Once your loan documents are recorded, we will be able to submit the file to SBA for their approval on the funding. I will let you know your rate and payment information once it becomes available.
Thank you, XXXX XXXX : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : SBA loan This is XXXXXXXX XXXX XXXXXXXX XXXX. I ask a question because I'm really curious.
About My SBA Loan processing, It has been taking almost 12 months. Maybe it will take more time.Please let me know why we couldn't finish for the last 12 months even though related documents were submitted quickly.
Now Interest rates keep going up, Please also let me know how interest rate is decided, XXXX XXXX Wed, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to XXXX, me, XXXX, XXXX, XXXX Good Morning XXXX XXXX, Your SBA loan funded in todays bond sale ( XX/XX/XXXX ), and Im sending you the rate and payment information.
The effective full term rate is 5.299 %.
Your monthly loan payment of {$5300.00}.
Your loan will now become part of the CARES Act Debt Relief Program, in which the SBA makes payments on your behalf for three months. From XX/XX/XXXX, to XX/XX/XXXX, you will not need to make a payment on the SBA portion of the loan.
Your automatic debit will be activated on XX/XX/XXXX, and your regular payments will be deducted in accordance with your Amortization Schedule.
Payments to the XXXX XXXX XXXX XXXX M & T Bank, are not included in the Debt Relief Program so you will continue to make payments as usual, unless you have made other arrangements with the bank.
A few additional items : You will soon receive a small refund check from XXXX XXXX, the XXXX XXXX XXXX, that represents the rounding dollars in the loan.
Within the next few days, our Loan Closing Assistant, XXXX XXXX, will send the Conformed Note along with your regular Amortization and Prepayment Schedules.
Your loan will now be managed by our Servicing Team. They will contact you directly for an introduction.
If you have any questions, please feel free to contact me.
Thank you for using the SBA 504 program. Its been our pleasure to assist you with your closing!
XXXX XXXX Marketing Officer & Assistant Vice President XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Servicing businesses in Maryland, Virginia, Washington DC & West Virginia XXXX XXXX XXXX XXXX '' Finally I had closing after passing 14 months. without releasing {$100000.00} additional collerteral. They blame each other for the reason whythe loan was so abnormally delayed.XXXX blocks my mails and doesn't answe even if I leaves return message.
XXXX doest n't take my my call. Her Boss says she quitthe company this friday.
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| 08/13/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Its been roughly 5 months since I started the loan process and still no clarity on where I stand. I have given document after document to then be questioned furthermore. I was initially told in mid XXXX that the loan would be closed in XXXX. As XXXX came to a close ; I was then advised that my identity was of question. To which I submitted a second copy of my license, of which had already been given at the inception of the loan application process in early XXXX.
Then the next issue was M & T Bank needed proof that I was current with my child support obligation ; provided that too. Then, I needed to show current asset information, I provided that as well. The next thing they were asking for was more paystubs or in depth pay history ; satisfied that request as well. Then they were seeking justification to show why there was a difference in my earnings from year to year ; satisfied that as well. That was followed by another request regarding the occupancy of the building I was purchasing. Since its an estate purchase and previously owed by my great great mother I was asked to provide documentation of my great great grandmothers residency prior to her death to confirm the property in fact her residence and occupancy prior to her death ; however, although reluctant I too provided this as well. Then it was the contractor hadnt been clear in the required documents they had requested and they needed for him to resubmit them due to the legibility of the documents.
XXXX XXXX XXXX M & T Bank told me if she was not successful with getting ahold of him by phone or email that she would contact me. However, I hadnt been advised of their lack of communication with the contractor until I continued to reach out to her several times to gain clarity about where things stood. My calls and emails appeared to have gone unnoticed as her reply was untimely, almost 2 weeks later!!!!!. Email after email and phone call after phone call to confirm where things stood and I continued to get their apology but still no assertion of my loan standing.
I followed up with the contractor without a problem and at this point as I pointed out to XXXX XXXX during my last call to her office, the contractor felt the banks delay and lag was negatively impacting his business therefore he was contemplating his role in moving forward as the contractor and the likelihood of him moving forward with other jobs.
During this call roughly three weeks ago XXXX XXXX stated my file was with the underwriter and she was expecting the approval very shortly and confirmed that I would get resolve within a few days. I asked XXXX XXXX about the time thus far and asked that she provide me with the HUD guidance documents to support the applicability of this line of scrutiny and/or supportive information that was needed to support this type of loan, of which she agreed to do so ; but her reply to me via email failed to do so nor did it include any written record from HUD, ... .instead she inferred in the body of her email that the documents for which I was requesting could be referenced on line as it was a public document. Then ten days thereafter she told me her supervisor needed to review the paperwork yet again and still no status on the loan.???
I dont want to jump to conclusions but I am beginning to feel a sense of concern for the obstacles and obligations at each step. M &. T Banks reluctance continues to delay the process and based on my initial discussion with XXXX XXXX the initial bank rep, he stated the process was to take no more than a week or so once it reached underwriting. However at each phase of the loan Ive encountered more roadblocks.
At one point I was told the underwriter had to refer the documents to management????? Now today I am getting a generic email from yet a other person from M & T Bank of whom I have never corresponded with telling me again they are sorry but they are working hard on the loan. The same storyline from month ago. Again, no relief or resolve as it relates to the loan standing.
I feel this process has been biased and unfair at each step of the way and at this point I am asking for no more apologizes ; I am simply looking for a fair, and unbiased approach to bring closure to this loan if all possible. Owning a home is the American dream to which I have desperately sought to obtain through financing with M & T Bank to help bring a distressed property back to a safe place to live in.
As I spoke of in prior communication with the reps from M & T Bank, I feel each step continues to be a dead end street and impairs my vision of having a safe, descent and affordable place to call home. My credit is descent, I have stable employment and have the assets to close and I am only looking for them to be prompt and impartial to avoid any further undue hardship. Please advise and help me understand why this is a long drawn out process!!
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| 10/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I purchased my home in XX/XX/XXXX. Payments were to include taxes and insurance. My parent 's co-signed the loan.
XX/XX/XXXX I filed for Homestead, I am only allowed 50 % since my parents do not reside with me. In XX/XX/XXXX, I paid a monthly payment of {$1800.00}, this amount included taxes and insurance, as agreed upon when we bought the house. M & T bank only paid half of my property taxes ( I did not receive any notification ), even though I was paying the full amount, and have never been late. They did send me an escrow check, XX/XX/XXXX in the amount of {$3500.00}, which I cashed, but I was never notified by M & T that there was a shortage, otherwise I would not have cashed it.
XX/XX/XXXX, I received a bill from XXXX XXXX for unpaid taxes.XX/XX/XXXX, I sent M & T an email ( I have documentation ), stating my taxes had not been paid.XX/XX/XXXX I received a letter from M & T stating my taxes HAVE been paid. XX/XX/XXXX I sent another email to M & T to let them know the taxes were still not paid. I had called XXXX XXXX Tax office, and they were NOT paid. I have documentation. XX/XX/XXXX, M & T emailed me back, advising me to mail the bill to them, which I did.XX/XX/XXXXI received a Notice of Tax Lien from XXXX XXXX XXXX. The total bill was {$6200.00}, including unpaid taxes, late charges and attorney fees. XX/XX/XXXXI called the county tax office, and they said M & T had paid the back due taxes on XX/XX/XXXX. XX/XX/XXXX, I received an escrow shortage bill from M & T.XX/XX/XXXX I called M & T and was advised to fax in all paperwork because XXXX XXXX tax office did not send M & T all of the tax bill and that 's why it was n't paid in full. XX/XX/XXXX, I called XXXX XXXX tax office, and was told that the county DOES NOT send out bills, that it 's the mortgage company 's responsibility to get the bills, and that M & T uses a third party company for this job. Furthermore, I was told there are two parcels on the property and that M & T is aware there are two. XX/XX/XXXX I mailed ( certified letter via USPS signature confirmation # XXXX ), and faxed M & T with all the information I just sent you above, disputing charges.XX/XX/XXXX, I received a letter from M & T stating I do owe all taxes, late fees, attorney fees. M & T stated, " Since this transaction occurred after the loan originated on XX/XX/XXXXthe mortgagors would have been responsible to notify M & T of the status change of their parcel. Therefore, M & T was not responsible for the penalty and interest incurred. As M & T was not aware of the change, the tax information on file reflected that the taxes were paid current when the disbursement of {$2700.00} was made to the XXXX XXXX Tax Collector onXX/XX/XXXX. '' XX/XX/XXXX I received another letter from M & T stating, " This letter is to acknowledge receipt of your recent mortgage account request and to inform you we have begun processing it. '' I had not contacted M & T sinceXX/XX/XXXX, so I do n't know what that letter was about.
XX/XX/XXXX, I received a call from M & T, so I called them back and she was calling about this letter and I had to explain everything to her again. She did n't seem to know what was going on, and said she would look into it. I never heard back from her. I clearly made several attempts to clear this matter, and they knew it was owed. I am disputing all fees, except actual taxes owed for {$2700.00}.
XX/XX/XXXX I sent M & T another email to ask what my balance is on the escrow shortage, and how much longer will it be until it is paid. Here is their response : " Dear XXXX XXXX, Thank you for your inquiry.
Please be advised, there have been seven ( 7 ) payments made towards the escrow shortage. The remaining balance of the escrow balance is {$4400.00}. The escrow shortage has been spread over a thirty ( 30 ) month period beginning with the XX/XX/XXXX payment.
If you have any further questions or concerns, please feel free to contact our Customer Service Department at XXXX.
Sincerely, XXXX XXXX Mortgage Customer Support Retail Loan Servicing '' I have emailed them back today, XX/XX/XXXX and let them know this is incorrect, payments for escrow shortage beganXX/XX/XXXX.
Finally, M & T has stated in a letter to me dated XXXX, that they were not aware of a parcel change. This is not true. Again, I sent them the actual tax bills - numerous times! They did know, they chose to ignore.
M & T also states that " the mortgagors would have been responsible to notify M & T Bank of the status change of their parcel. '' I would like to know where that is written in our loan documents that anyone signed and agreed to this? Perhaps I 'm overlooking it.
I can however find where we signed an agreement that taxes and insurance are included in monthly payments.
|
| 10/16/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Check Fraud XXXX XXXX XXXX check # XXXX dated XX/XX/18 for {$10000.00} for non-retirement account with XXXX XXXX to pay financial advisor fees Mailed Sunday XX/XX/XXXX at XXXX collection box at XXXX on corner of XXXX XXXX XXXX and XXXX XXXX XXXX. Was in security envelope addressed to XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Post office either XXXX XXXX or XXXX XXXX XX/XX/XXXX cashed by pay to the order of XXXX XXXX no account number or bank stamp- do not know this person XX/XX/XXXX received an email from XXXX XXXX XXXX that account was under {$25.00} after XXXX electronic transaction for {$10000.00} XX/XX/XXXX notified that account was overdrawn. {$35.00} returned item fee XX/XX/XXXX XXXX XXXX, XXXX from M & T Bank called my house. Returned her call XXXX. She interrupted the check, " Don't worry. I have your money. Go to XXXX XXXX XXXX and fill out Check Fraud Statement of ClaiXXXX. Sign document, have notortized. Fax to XXXX with claim number '' Email contact at XXXX XX/XX/XXXX went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX and spoke to XXXX, XXXX XXXX. I was directed to call XXXX XXXX XXXX Check Fraud Claim on Monday to initiate a claim. Dept closed on Sat. She determined that check was cashed at a XXXX XXXX XXXX- unable to verify depositor.
XX/XX/XXXX Called XXXX at Check Fraud Claim at XXXX XXXX XXXX XXXX Case # XX/XX/XXXXXXXX analyst will be assigned, will take 90-126 days, information will be sent in the mail. Put in to refund check returned item fee of {$35.00}. Recommended to freeze account and open new account. Instructed me to file incident report with county police. XX/XX/XXXX will be XXXX business days from initial claim on XX/XX/XXXX Incident report filed with XXXX XXXX County police XXXX XXXX ID # XXXX non-emergent line XXXX Incident report # XXXX. Instructed to call Financial Crimes Unit XXXX, XXXX XXXX Financial Crimes Unit instructed me to file mail theft claim with XXXX XXXX Filed online with XXXX other- Postal Inspector-mail theft-file complaint case # XXXX XXXX will call my cell within 1 day XX/XX/XXXX XXXX from XXXX XXXX XXXX Check Fraud Claim Dept called and transferred me to XXXX XXXX Update case- bank of first deposit was M & T Bank Manufacturers and XXXX XXXX XXXX XXXX XXXX XXXX call to check claim, I am awaiting funds if funds are not returned in XXXX business days- will need to get seizure warrant from police dept. XX/XX/XXXX will be XXXX business days from initial claim on XX/XX/XXXX XX/XX/XXXX XXXX appointment with XXXX XXXX, XXXX, XXXX XXXX XXXX left old account open with enough funds to cover outstanding checks All other funds transferred to new account with new checks and debit/ATM card.
XX/XX/XXXX waited for check fraud claim form to be mailed from XXXX XXXX XXXX. Went to XXXX XXXX XXXX, had Check Fraud statement notarized and faxed to XXXX check fraud department. XXXX and I both mailed statement to check fraud deartment.
XX/XX/XXXX Spoke to XXXX at XXXX check Fraud. XX/XX/XXXX Received statement- " is on file, in route to M & T Bank '' XX/XX/XXXX email from XXXX XXXX XXXX at M & T XXXX Never received documentation. Contacted XXXX at XXXX will resend today.
XX/XX/XXXX email from XXXX, XXXX at M & T. Never received documentation. XXXX with XXXX at XXXX statement was sent XX/XX/XXXX. Will verify/check M & T information and resubmit. I scanned Statement and emailed my copy to XXXX. She received it right away, but it had to be official bank letterhead. It was the correct form.
Long story shorter- XXXX resubmitted Check Fraud Statement to M & T Bank 7 times before M & T acknowledged receipt. ( I have specific dates and persons named ) XX/XX/XXXX M & T refunded partial funds {$5900.00} to XXXX Check Fraud department. This was finally credited to my account XX/XX/XXXX after I insisted. XXXX was going to keep partial refund until they collected entire {$10000.00}. XXXX XXXX at M & T Bank said by the time M & T received claim paperwork, account was depleted and case was closed.
XXXX legal department has sent 7 demand letters to M & T- no response.
XX/XX/XXXX I contacted chairman and CEO of XXXX XXXX email XXXX XXXX XXXX XXXX XXXX XXXX. Filed formal compalint.
XX/XX/XXXX called XXXX police, sheriff, clerks office and commissioner- none of these departments can help. Had 1 hour meeting with XXXX of my XXXX branch, XXXX XXXX.
XX/XX/XXXX detective at Financial Crimes Unit returned my call. USPS Inspector General investigates and charges person.
XX/XX/XXXX met with my lawyer XXXX XXXX XXXX Instructed me to notify CFPB and file complaint.
XX/XX/XXXX contacted XXXX at Check Fraud to see if there has been any progress. Could take another 90 days.
XX/XX/XXXX I give up. I need someone in authority to get answers.
|
| 12/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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To : Consumer Finance Officer Full Bank Name : M & T Bank Location : XXXX, New York Type of banking product : Credit Card Description of problem : Unauthorized promo interest rate ( on purchases ) without my written consent ( XX/XX/XXXXXXXX XXXX ) { applied on account after 2 years opening XX/XX/XXXX } Mischarged Dollar Amount : XX/XX/XXXXXXXX XXXX {$2200.00} ( {$35.00} on average monthly unauthorized promo interest for several years ) XX/XX/XXXX amount is now {$2400.00} Detailed Explanation : I am a victim of an unfair and fraudulent practice ( illegal promo rate ) committed by M & T Bank. This action is prohibited by the FDICs Law and Regulations for non discriminatory lending. I opened my Credit Card XX/XX/XXXXXXXX XXXX a basic credit card with balance transfer promo which was not used/activated as it reflects on my statements.
It is illegal to place a promo rate on an account without calling, or me signing an agreement. All promotional rates and offers will start in the first 6 months of account opening ( the other promo offers after account opening usually take place a few months later by mail and or email. It must take the consumers written or verbal consent at a branch or etc to begin. I know this from experience working for 2 separate banks as credit card/ Mortgage servicing rep. I want to know the explanation as to why my account has randomly active a promo interest rate in XX/XX/XXXX 2 years after my account opening, which is two years after account opening.
M & T Bank algorithmically applied a promotion on purchases interest rate of 0 % 2 years after account opening without my knowledge or consent in XX/XX/XXXX ( conveniently right after the biggest purchase I have made 2 years after opening the account ).
Ive called customer service several times about it and theyve rudely lied to me, claiming I may have agreed to the promo interest ( without proof of evidence ) as a way of negating and not fixing the error. My credit card agreement paperwork does not include a purchase promo, only balance transfer promo which was never used/activated.
In XX/XX/XXXX I called and the customer service rep XXXX could not explain why my dilemma was occurring she blamed me and said I did it. I asked for proof of me signing off my credit card features detailing sure capabilities. She could not so I asked for her to escalate my call up to a manager XXXX. I was told to mail a letter to XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX '' ( which is on the bottom of the credit card 's statements ). The manager XXXX that the call to was dismissive, didn't attempt to help me at all. Instantly told me to mail my concerns and disconnected the phone line.
I mailed my concerns 3 times and heard nothing from M & T, even til this day.
Contact Log at M & T customer service : : From the false promo date XX/XX/XXXX to XXXX XXXX I have added several end of year illegal promo interests of about {$360.00} accrued which totaled XXXX.
XX/XX/XXXX and ( I have not received any follow up after my call earlier today ) from M & T the total amount owed from the illegal interest charge is.
Spoke to XXXX who transferred me to XXXX at M & T XX/XX/XXXX created an urgent request and is said to call me back.never did.but that call needs to be reviewed.
It is now XXXX ( XXXX is the current total in fraud promo charge ) and I have not received any confirmation of the investigation that should have already taken place on my account.
Still without a resolution, The FDIC Forwarded my case to Consumer Finance. In XX/XX/XXXX, in the next month of XXXX, the promo purchase interest rate has vanished but the money owed to me from the mis charges has not been sent as a check nor reallocated to the balance. The amount now owed is {$2400.00}.
( billing statement for the first 3 years after account opening ) XX/XX/XXXXXXXX XXXX account opened Purchases XXXX Cash advance of XXXX with fee of XXXX Balance transfer 0 % [ balance subject to interest rate XXXX ] Promo on purchase 0 % [ balance subject to interest rate XXXX ] If I agreed to promo purchases upon opening, the balance subject to promo interest rate would indicate XXXX XX/XX/XXXX Purchases : XXXX Cash advance XXXX previous balance XXXX Balance transfer 0 % [ balance subject to interest rate XXXX ] Promo on purchase 0 % [ balance subject to interest rate XXXX ] XX/XX/XXXX Purchases : XXXX Cash advance XXXX previous balance XXXX Balance transfer 0 % [ balance subject to interest rate XXXX ] Promo on purchase 0 % [ balance subject to interest rate XXXX ] Illegal to give a client a promo rate without calling, or me signing an agreement. All promos start the first 6 months of account opening, I know this from experience working for 2 separate banks as credit card rep.
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| 11/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX XX/XX/XXXX Executive Vice President Mortgage Consumer Lending Customer Assets MGMT M & T Bank.
XXXX XXXX Mortgage Research Retail Loan Servicing M & T XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Dear XXXX, I wrote this letter to M & T Bank on XX/XX/XXXX asking them for their assistance in correcting a mistake made by their bank, on several occasions and finally costing me money. My former wife and I had a property financed through M & T Bank, property is located at XXXX XXXX XXXX, XXXX MI. XXXX. Unfortunately, my former wife and I dissolved the marriage, agreeing that she would purchase the house from me. She paid me half the equity and was given a time frame to refinance the property. In doing so, there was an excess of close to {$3900.00} in the escrow account attached to this mortgage. The mortgage officer made the check out to XXXX XXXX, XXXX XXXX XXXX ( Copy of check attached ). This check was signed by XXXX, and applied to her new escrow account with her loan at XXXX XXXX XXXX. M & T Bank claims that they are not responsible for the mistake, my reply starts here, it has supporting documentation, as well as explains the actions I have taken. Above is who I sent the complaint to at M & T Bank.
I received your response dated XX/XX/XXXX. After reading your response, it saddened me that your bank would not stand behind their mistakes. In regards to the check made out for {$3900.00} to XXXX XXXX XXXX, XXXX XXXX XXXX that was a surplus to the escrow on the mortgage that I had with you for the property located at XXXX XXXX XXXX, XXXX Michigan XXXX. I had contacted your bank a couple dozen times over the last year and a half in regards to the divorce that I went through with my former wife XXXX XXXX XXXX XXXX. Here are some dates that I expressed to you where I am to be reached and that all correspondences should be sent to my new address. On XX/XX/XXXX your bank asked me to send you a letter by fax with my new address, my Social Security #, a request for information, and to spell out that the information is to be sent to me and not to XXXX XXXX XXXX XXXX Michigan XXXX. The letter and requested information was faxed on XX/XX/XXXX, at XXXX XXXX ( facsimile attached ), also attached is an email from XXXX, in which the information and instruction I was asked to put in writing was ignored and the requested information was sent to her instead. ( Email attached ) On XX/XX/XXXX your own notes states that you called me back and in those notes it list my current address per that phone call, this was six days before the check was cut. There were many other correspondences between me and your customer service people, including supervisors, so the fact that we were no longer married and went through a hostile divorce was no surprise to your bank. It was stated many times in the notes that your employees took in regards to our many conversations. The problem is, we are divorced, and there is a strained relationship between the two of us, so collecting this money by me to correct your banks mistake form my former wife is not an option, and half of this money she was not entitled too. M & T Bank has an obligation to return the money to me, seeing that XXXX has no claim to my half of the escrow and we both had an account with M & T Bank. The mortgage officer made the check out to XXXX XXXX, XXXX XXXX XXXX. This check was signed by XXXX, ( Copy in the notes ) and applied to her new escrow account. Now I finally did receive correspondence for M & T Bank and was informed that they can not send me the notes regarding my account and they are not taking accountability for their mistake. After you were contacted by the Better Business Bureau, I received the notes that I was told I could not receive. They have just wasted a years time and effort of mine, with false promises, causing me a lot of grief, and probably are going to cost me money with this check. Legal fees, if I choose to take this to court. I was advised by an attorney to write this letter to give M & T Bank yet another chance to correct the error. If this letter is not going to generate the remedy that I seek, then I have already notified you that I would contact the XXXX County Michigans attorney, as well as contact the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance. I am appealing to your good judgment to help correct this error. Please respond within 10 days, or I will take your failure to respond as an answer.
Thank you for your attention, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, KY XXXX XXXX SS # XXXX Loan # XXXX Third request of resolution by written correspondence
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| 11/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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|
Web |
Servicemember |
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I just had a Complaint on this BANK M @ T, An they sent me a letter stating untrue events, an I wan na put another complaint in, because ever since I received the letter from them, I still haven't came to know resolution. Everytime I calls they Answer, Once I say who I am, they don't come back to the Phone. So it's obvious they're mad because I put a complaint on them, now they're really not helping me, an I'm 60 days past due, because they know they're wrong an everything in that letter was not the Truth, j called them numerous times trying to resolve this matter, I was brushed off until I put the first complaint in. I called this bank yesterday to setup a payment arrangements as the letter states, an I spoke to a representative, then he hung up once he pulled up my file, then I called back, got another representative they pulled up my information, an never came back on the line, as if they're trying to be funny. If the letter they sent me asking to call an clear this situation up, why are they not helping me out, because they know I'm a minority an their taking advantage of that, ( XXXX XXXX ) Their not honoring their letter they provided to me, I told them about everything I was going thru an The help i needed from them because the interest Rate is out the Roof, an how can anybody pay that at this TYPE OF RATE, AN THEY STILL HAVEN'T TRIED TO HELP ME WITH REFINANCING, SOMEONE SHOULD HAVE REACHED OUT TO ME FIR REFINANCING, BUT YET AN STILL NOTHING HAPPENED, SO I NEED CFPB TO STEP IN AN HELP JE RESOLVED THIS, BECAUSE IT SEEMS AS IF I NEED A ACTUAL CONSUMER LAWYER FOR MATTER, BECAUSE IM NOT GETTING NOWHERE WITH THIS BANK AS I STATED IN THE PREVIOUS COMPLAINT, THAT'S HOW I KNOW THE DEALERSHIP GOT A HOOK UP WITH This BANK SOMEHOW.. BECAUSE THEY Will TALK TO Them BUT NOT ME, An I'm the one whose paying them, that's how I Kno something not rite here!!! I have an XXXX XXXX XXXX XXXX XXXX sister I take care of, I NEED MY VEHICLE, BUT AT THIS RATE, WITH ALL THE IDENTITY THEFT AN DATA BREACH BY XXXX AN THE CLOSING OF MY ACCOUNTS, DUE TO THIS MADE IT DIFFICULT FOR ME, AN WHERE'S THEY'RE COMPASSION FOR WHAT IM GOING THRU, {$670.00} IS ALOT TO.PAY RITE NOW FOR A VEHICLE THAT NOT WORTH THAT MUCH, ITS 5 YEARS OLD NOW, THE CAR BEEN DEPRECIATED THE MINUTE I LEFT THE DEALERSHIP, NOW ITS REALLY WORTHLESS, BUT I'M PAYING A BILL AS IF I HAD A BRAND NEW VEHICLE. I NEED HELP WITH THIS BANK, UNDERSTANDING MY ISSUES. THAT'S WHY I SENT THEM A LETTER TO RESCIND THIS LOAN, AN GIVE MY BACK THE MONEY I'VE ALREADY INVESTED, SO I CAN FIX THIS VEHICLE, BECAUSE DIFFERENT MECHANICAL ISSUES ARE STARTING, THE BANK DON'T WAN NA HONOR THAT EITHER, ALL THEY WANT ME TO DO IS PAY THEM, WHAT THEY Claiming I owe them. This is Absurd... I calling to resolve the issue, an they're ignoring me still as the were before, Something is not rite with this Bank their banking Practices are unfair an their not Consumer friendly, but quick to take your money, an slow to help u when u need help from them. They lied an said I never called them. I've called a few times, how do u think I know I couldn't REFINANCE because they told me, I needed a COSIGNER, I didn't need a COSIGNER to get it, y I need A COSIGNER to get my monthly rate lowered, the Rare is so high, it look as if I never made a payment, an this bank knows this is not rite!! I DON'T WANT MY CAR REPOSSESSED, WHEN I'M TRYING TO RESOLVE THIS BECAUSE THIS BANK IS NOT TRUTHFUL. NOR HONORABLE, OR CONSUMER FRIENDLY ... ITS ALL ABOUT GETTING YOUR MONEY, WHATEVER ILLEGAL TACTICS THEY GOT TA USE, THEY USING IT, BECAUSE THEY KNOW THAT I DON'T KNOW, SO IT'S EASY TO GET OVER ON ME AS WELL AS THOUSANDS OF OTHERS, WHOSE IN MY SITUATION, I NEED CFPB TO STEP IN AN HELP ME GET THIS RESOLVE, THIS IS NOT FAIR TO ME AT ALL, AN ANYBODY ELSE GOING THRU THIS THE ECONOMY IS SO HIGH RITE NOW, EVERYTHING IS UP, EVERYTHING GAS, FOOD, RENT, IM PAYING MORE FOR This VEHICLE THEN ANY OTHER BILL I HAVE, AN THE BANK DON'T CARE AT ALL, I SHOULDN'T BE SUBJECTED TO A Bank THAT DOES THIS, IF I WAS PAYING THEM MY MONEY THEY SUPPOSED TO BE ABLE TO Help ME, THAT'S Y THEY HAVE REPRESENTATIVES AN BOSSES, AN CORPORATE OFFICES, IM NOT UNDERSTANDING THIS BANK, I NEVER HAD THESE ISSUES AT NO OTHER BANK, AN THIS IS NOT MY FIRST VEHICLE, I WILL NEVER RECOMMEND THIS BANK TO ANYONE, THEY ARE VERY VERY VERY DIFFICULT TO DEAL WITH, I'M GOING TO EXPOSE THEM ON SOCIAL MEDIA, SO THAT OTHER PEOPLE DON'T GET SUCKED INTO THESE PRACTICES OF FALSE MALFEASANCE, ALOT OF THESE BANKS ARE PRACTICING
|
| 08/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I had a water loss claim in XXXX of XXXX, my insurance company paid {$76000.00} and I started work with a contractor in XXXX of XXXX. He was supposed to be finished in XXXX of XXXX but as of today the job is not finished and It has been approx. 6 months since the contractor has been at the property or done any work, and it remains only 75 % complete. I have sent 3 certified letters to the contractor, there has been no reply to me and the last certified letter was returned to me, undeliverable. I have forwarded the certified letters and documentation to M & T/XXXX and have put in for an exception, twice, and have been denied twice.
The contractor has abandoned this job and will not be finishing, XXXX/M & T refuse to acknowledge this and allow me to finish, telling me that I must sue the contractor or submit a mutual termination letter. Yet M & T/XXXX should bear responsibility for this situation because the inspector, that they sent in XXXX of XXXX, improperly reported the home at 100 % complete. The last draw of {$16000.00} was released from M & TXXXX after the inaccurate100 % inspection, however, I refused to hand it over to the contractor as we were discussing the items that remained to be done at the home and, it was only after he completed them, or came to an agreement with me so that I could complete them, that I would release it, but then he disappeared and the funds are frozen at XXXX XXXX in a non-customer account, and they require documentation from M & T before they will release the check. M & T/XXXX wont acknowledge this and they continue to state that there is nothing they can do about it.
Per the above stated facts, when I realized that the job was not complete, I attempted to negotiate with the contractor, my negotiation attempts spanned XXXX and XXXX, but the contractor had already left the job and returned to Florida the first week of XXXX and, has made no attempt to return to complete this job. Upon, realizing that he was not going to finish or negotiate with me, I requested a re-inspection. At this re-inspection, the status was REVERSED to 75 %. He was informed of this reversal on XX/XX/XXXX and has not been heard from since and has not replied to any of my correspondence. In addition to this, I can not ask the Michigan State Contractor Board for assistance because the contractor is not licensed in the State of Michigan, and Michigan does not have reciprocity with any other state, so technically, the contractor was not licensed to work on my home. This begs the question, is the agreement even valid? I have confirmed with the Michigan State Licensing Board ( LARA ), the Michigan State Attorney Generals office, and three different Michigan Real Estate Lawyers that, the contractor can not pursue legal action and can not put a lien on the home, yet M & T/XXXX refuses to acknowledge this.
Every time I call into M & T/XXXX, I am told that I can not talk to the same person Ive spoken with before, therefore I have to go over the situation, from the beginning, and I get a different response and different information, each time. On several occasions, I have also been denied the opportunity to speak with specific supervisors upon requesting it, and I've also been denied the opportunity to speak with M & T Corporate, upon requesting it.
The resolutions department attempted to reach out to the contractor and, like myself, was unsuccessful, stating that the phone number seems as if it may be disconnected ( fast busy signal ) Today I decided to do deeper research in an attempt to find the contractor, and I discovered that the contractor is seriously ill with XXXX and receiving XXXX and XXXX treatments. There are several fundraisers set up for him, each one talks about the fact that he " has been out of work and will be out of work for some time '' https : XXXX https : XXXX https : XXXX Upon finding this news out I called into M & T again and they stated that they can't confirm his illness so they can do nothing. I asked what they would accept as confirmation and they stated the same thing, a mutual termination letter or a court order.
I am not willing to sue someone who has XXXX.
M & T has the power to terminate this contract and I am requesting that M & T corporate get involved and immediately acknowledge that this contractor has abandoned this job and will not be finishing, terminate the contract, and do whats necessary in order to allow me to finish the repairs on the home.
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| 09/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
- Negative impact of inaccurate appraisal
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Web |
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The attached includes additional information pertaining to the discriminatory complaint of lending with M & T bank. This process started back in XX/XX/XXXX, and we communicatedwithAssistant Vice President, XXXX XXXX of the XXXX Maryland location. From the beginning, XXXX was eager to gain our businessand asked us to fax documents in lieu of XXXX which the majority of major financial institutions use. My husband and I are not new homeownersand have ownedproperty since XXXX. We both questioned the use of wet signatures on documentsmultiple times but was informed it was absolutelynecessary.
XXXX communicated with us aggressivelyup until the appraisal. During the appraisal process the communication changed abruptly and my husband and I sent a letter of concern regarding the lack of communicationand consistency from thispoint forward.
After receivingthe appraisal and contacting the appraiser to discuss via phone, it was more evident that there were discriminatorypractices. The appraiser, XXXX XXXX indicated on the report a comment regarding the value of the homes in XXXX being less desirable. Upon speaking with her on XX/XX/XXXX, she commented that the schools in the district of the comps pulled were of a better, more desirable quality. We asked her which district she was referring to and she said XXXX XXXX, MD. To which we replied, the home site that was appraised was in XXXX XXXX, MD and she repeated the comment that the XXXX, MD homes were in a more desirable neighborhood with better schools. Pressing the matter further, we asked her to confirm how she knew the schools were more desirable and we didn'treceive a response.
We communicated this information to VP XXXX XXXX verbally and also sent an email indicating that we dispute the appraisal.
After a week or so, XXXX indicated that his manager would not allow for another appraisal even though the comments seemed " insensitive '' We were DENIED the opportunity to seek a second appraisal and M & T lowered the loan amount based on the appraised value.
Another week later, VP XXXX XXXX indicatedthat we needed to seek a bridge loan to make up the difference in the loan value that M & T would not lend. He encouraged us to use M & T, but we went with XXXX XXXX XXXX XXXX as that is who the mortgage is serviced with now. Upon notifying XXXX of the plan to use XXXX XXXX, we received a response from him that he had already notified underwriting of our intent and we were all set on their end aside for verification of assets. At no time did XXXX or the underwriter inform us that there was any concern with the loan. We pressed XXXX multiple times via email and through phone calls about the status of the loan and the need for a conditional approval, as XXXX XXXX had already provided one.
The underwriting team then contacts the selected builder of our home and requests that the paving of the driveway be removed from the plan as it is outside the scope of the work performed. The builder confirmed the paving of the driveway was in fact a part of the plan and corresponded to the lot in question per the approved plans from XXXX XXXX planning and zoning.
After which XXXX informed us, the builder REFUSED to comply with their demand to itemize the site work and the loan would be denied. I asked XXXX why he was referencing site work, and the response was because your builder REFUSED to comply, so we have no way to know how much is on the lot. This is an untrue statement and corresponds to other untrue statements made to my husband and I throughoutthe lending process. VP XXXX XXXX and his team misled and discriminated against my husband and I by refusing to seek an alternate appraisal and then making up a scenario for the denial that is not factual. The funds we received from XXXX XXXX was the delta of what was decreasedwith the loan amount and in the change of circumstance package.
Further the 10-day pending notification itemizedthe requirements needed for the loan to be approved. At no time or point in time, did anyone inform us that the paving of the driveway or sitework needed to be removed. This was concocted after we began questioning the level of customer service received and inconsistent communication because of our race.
I have additional details and emails for reference that I would like to submit as part of this investigation. I believe others are most likely being discriminatedon with excellent credit, great income and sufficient assets.
|
| 10/29/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
M & T Bank and its affiliates sold my family 's home under letters of false documentation. As the owner of the property I need your assistance in the return of our family home. The did not have the authority to sell our home under an ASSUMED only contract or lien contract they claimed to have on your home. They never provided any contract to our family and our family never signed any contract. They sold our home under a deceased person 's name only under ASSUMPTION it was theirs ' to sell. Please contact this company for our family and attempt to obtain the relevant documents necessary for a company to use a non judicial process of collection of a debt. We did attempt to pay this outstanding amount but never authorizing our home to be used as collateral for that outstanding debt. This company should be held accountable and restitution is due for their deceptive false acts and misuse of the nonjudicial system set in place for valid financial institutions and be held accountable in their creation and misrepresentation of actually possessing a valid lien on our land as claimed when non of the sort is seen of record and for their creation and use of non legal binding documents signed by their own affiliates to do it. This was done in a discriminatory manor to a service member serving in the XXXX XXXX and XXXX XXXX, violating the Service members relief act, this was done because she was unable to defend herself and her rights during that time away from the property only in an effort to possess and control our property for their own use. They have violated the entire family 's U.S Constitutional rights to life liberty and freedom during a pandemic. Violated the Fair Housing Act, FHA rules an regulations of any FHA valid lien by not property entering their interest in the home.. the Consumer Protection Act of valid contracts and our Texas Constitutional Rights given to us with respect to debts as seen in Article 16 sec. 50, & the UCC. My family has previously filed a complaint which the information was not received by us regarding their response until XX/XX/2021 we were to have 60 days to reply to their response and 60 days has not lapsed as of today we still did not receive any reply by the CFPB and the case was closed prior to the 60 day response time as seen on the website. The documents provided need to be read for what they are and that is for their protection of what previously happened, which was not allowed by use before it happened and that being the sale of our property. Any money received was not received only in duress after we were sitting on the curb and received because they felt guilty at that point a year and a half after they sold our property to give it to the rightful heir owner. We would like to provide additional information on our behalf as to the true ownership in our family 's name of the land and property directly to you for review which relevant Information regarding this claim information directly pertaining the FHA vendors lien they claimed to have retained a secured interest in and which they did not as seen in correspondence by the department of HUD, the XXXX Property Records, the XXXX Appraisal Department.
M & T Bank provided nothing in their reply and documents which were relevant as to a valid contractual lien in their name or a valid assignment in their name creating any valid continued secured interest in our land. The trustee and company referred to in their false documents never possessed secured rights to transfer any secured right. A valid signed contract is missing. The documents provided only expose their deceptive actions. Current valid documents would be necessary in our name and along with a valid chain of title and the recorded evidence somehow showing their name as well. The did not provide any valid assignment as would be needed on a currently needed FHA form. No certificate of Mortgage, no certificate of title, nothing presented to you for review is substantive of them having any right to sell our land. I believe they are misusing any authority provided to them as a bank. The abuse is seen of record through deceptively created documents created by their own affiliates, servicers and attorneys to take property which is not legally theirs to take. Please assist our family we can be contacted directly. I do not currently have the documents on a USB drive to upload but will upload these documents before XXXX the XXXX being the 60th day.
|
| 10/29/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
M & T Bank and its affiliates sold my family 's home under letters of false documentation. As the owner of the property I need your assistance in the return of our family home. The did not have the authority to sell our home under an ASSUMED only contract or XXXX contract they claimed to have on your home. They never provided any contract to our family and our family never signed any contract. They sold our home under a deceased person 's name only under ASSUMPTION it was theirs ' to sell. Please contact this company for our family and attempt to obtain the relevant documents necessary for a company to use a non judicial process of collection of a debt. We did attempt to pay this outstanding amount but never authorizing our home to be used as collateral for that outstanding debt. This company should be held accountable and restitution is due for their deceptive false acts and misuse of the nonjudicial system set in place for valid financial institutions and be held accountable in their creation and misrepresentation of actually possessing a valid XXXX on our land as claimed when non of the sort is seen of record and for their creation and use of non legal binding documents signed by their own affiliates to do it. This was done in a discriminatory manor to a service member serving in the XXXX XXXX and XXXX overseas, violating the XXXX members relief act, this was done because she was unable to defend herself and her rights during that time away from the property only in an effort to possess and control our property for their own use. They have violated the entire family 's U.S Constitutional rights to life liberty and freedom during a pandemic. Violated the Fair Housing Act, FHA rules an regulations of any FHA valid lien by not property entering their interest in the home.. the Consumer Protection Act of valid contracts and our Texas Constitutional Rights given to us with respect to debts as seen in Article 16 sec. 50, & the XXXX. My family has previously filed a complaint which the information was not received by us regarding their response until XX/XX/2021 we were to have 60 days to reply to their response and 60 days has not lapsed as of today we still did not receive any reply by the CFPB and the case was closed prior to the 60 day response time as seen on the website. The documents provided need to be read for what they are and that is for their protection of what previously happened, which was not allowed by use before it happened and that being the sale of our property. Any money received was not received only in duress after we were sitting on the curb and received because they felt guilty at that point a year and a half after they sold our property to give it to the rightful heir owner. We would like to provide additional information on our behalf as to the true ownership in our family 's name of the land and property directly to you for review which relevant Information regarding this claim information directly pertaining the FHA vendors XXXX they claimed to have retained a secured interest in and which they did not as seen in correspondence by the department of HUD, the XXXX XXXX XXXX, the XXXX XXXX Department.
M & T Bank provided nothing in their reply and documents which were relevant as to a valid contractual XXXX in their name or a valid assignment in their name creating any valid continued secured interest in our land. The trustee and company referred to in their false documents never possessed secured rights to transfer any secured right. A valid signed contract is missing. The documents provided only expose their deceptive actions. Current valid documents would be necessary in our name and along with a valid chain of title and the recorded evidence somehow showing their name as well. The did not provide any valid assignment as would be needed on a currently needed FHA form. No certificate of Mortgage, no certificate of title, nothing presented to you for review is substantive of them having any right to sell our land. I believe they are misusing any authority provided to them as a bank. The abuse is seen of record through deceptively created documents created by their own affiliates, servicers and attorneys to take property which is not legally theirs to take. Please assist our family we can be contacted directly. I do not currently have the documents on a USB drive to upload but will upload these documents before XXXX the XXXX being the XXXX day.
|
| 01/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
Older American |
|
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
|
| 07/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
U.S. Senate Committee on Banking , Housing, and Urban Affairs XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX RE : COMPLAINT AGAINST M & T BANK Hello : As per the attached, M & T Bank and the XXXX Department XXXX XXXX XXXX under Investigator XXXX XXXX is denying our request for a credit card dispute for {$2900.00} when the physical evidence demonstrates that the product/services that we purchased from XXXX XXXX XXXXXXXX XXXX was purposefully sabotaged, because the responsible employees did not like the political leanings of our Writ of Certiorari to the United States Supreme Court in XXXX XXXX XXXX XXXX
Specifically we alleged certain civil rights violations perpetrated against me and my wife during an immigration interview trying to get a greencard for my XXXX wife, and the XXXX examiner was XXXX who in our legal and professional opinion discriminated against us.
XXXX XXXX ' employees, XXXX XXXX and XXXX XXXX, both being XXXX paralegals with 20 years experience each, caused our Writ to be rejected 3 separate times at the U.S. Supreme Court , thus resulting in our missing critical important deadlines and then being forced to litigate this matter in the lower, more corrupt, and unequipped XXXX XXXX XXXXXXXX Supreme Court XXXX not the United States Supreme Court where it belongs due to serious federal question jurisdictional issues.
Not only that, but every time it was rejected, these XXXX XXXX criminals hit us with additional costs of $ XXXX that we were forced to pay under duress and coercion because we were desperate to have them finally finish the job an meet our legal deadlines.
To make matters worse, one of these XXXX employees told us " Good Luck On Your Appeal '' haughtily and mocking us when we bitterly complained about said treatment.
We need consistency here, because even XXXX Bank reversed in our favor, for the same reasons and evidence that we provided to M & T Bank, for more than {$9000.00}.
This is professional malpractice at best, XXXX sabotage at worst.
Either way, banking and credit card merchant rules dictate that a card holder is allowed to dispute a charge for defective goods and services pursuant to Rules 13.1, 30, and 53.
Please open an investigation against M & T Bank and reverse this {$2400.00} back to us, and in our favor.
XXXX Chargeback Reason Code 13.1 : Consumer Disputes ( chargebackgurus.com ) XXXX Chargeback Reason Code 30 : Consumer Disputes ( chargebackgurus.com ) Visa Chargeback Reason Code XXXX : Consumer Disputes ( chargebackgurus.com ) Thank you, cc : XXXX XXXX XXXXXXXX Department XXXX XXXX XXXX, M & T Bank Kind regards, -- XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Floor Suite XXXXXXXX XXXX XXXX XXXX XXXXXXXX Tel : ( XXXX ) XXXX Mob : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free XXXX Hour Hotline : ( XXXX ) XXXX e-mail : XXXX web : XXXX : XXXX Ranked amongst XXXX XXXXXXXX XXXX XXXX XXXX United States by XXXX XXXX in XXXX and XXXX XXXX XXXX in XXXX.
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Silver Award Winner, XXXX Gold Award Winner, XXXX Platinum Award Winner.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Rating.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX as published on XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
CLIENT TESTIMONIALS : https : XXXX This electronic transmission is both personal and confidential, and contains privileged information intended only for the use of the individual or entity named above. If the reader is not the intended recipient, you are hereby notified that any dissemination or copying of this transmission is strictly prohibited. If there are any problems with this transmission, or you have received it in error, please immediately notify us by telephone and return the original transmission to us at the above address via the U.S. Postal Service. Attention : All foreign nationals ( permanent residents and children included ) are required to report any change in address within ten ( 10 ) days to the USCIS using Form XXXX. Foreign nationals must report address changes to the USCIS by completing this form and sending it to the USCIS. The form can be obtained from the USCIS website at : https : XXXX. Please also notify our office of your new address.
Make An Online Legal Fee Payment At https : XXXX
|
| 06/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX XXXX To Whom it may concerns, Please be advised the above reference loan is the primary residence of the undersigned at XXXX XXXX XXXX XXXX NJ XXXX.
The undersigned a XXXX XXXX XXXX has been impacted by the Pandemic Covid-19 as all the XXXX XXXX XXXX in the State of New Jersey . It worth noted the above loan a XXXX XXXX XXXX M & TT Bank which reassured the undersigned borrower that they will assist with the modification that the federal government recommended to put the outstanding areas to the back at the loan and extended to XXXX years. In short, the modification process started in XXXX and all the necessary application requirements completed in XXXX. By XX/XX/XXXX the monetary trial period started and the followed to the XXXX. However, the Bank in the middle of the monetary trial period verbally requested the XXXX certificate of the undersigned XXXX XXXX who passed XXXX years ago. Noted it was clearly articulated to the Bank by the undersigned that XXXX XXXX passed in XXXX and the Death Certificate had to come oversees and the time frame was rather unknown because it had to be sent to the XXXX XXXX in XXXX for final stamps. To make a long story short the death certificate was delivered to the MTT Bank in XXXX. However, they had another verbal request the title which it had been provided with first application came back to them cloudy. The undersigned approached the probate officers who needless to say they were laughing at me with the naivete of the inquires. regarding cloudy title. Finally, one of the probate clerks recommended to call the clerk of the XXXX XXXX and have them certify the title and have them certify the title and send it to the undersigned. immediately, it was send to the Bank. however, the Bank denied the Covid-19 modification of the loan and suggested to start another unrelated modification of course with different terms. Despite as the undersigned started the new modification application all the papers application completed but the Bank found another form which had been filed with them XX/XX/XXXX that sections ( 6 ) and ( 7 ) had been checked together upon investigation the forn 45 c only section 6 had been checked twice thus line a and c However, according to XXXX XXXX XXXX XXXX during the last telephonic conference with him on XX/XX/XXXX only one box had to be checked. It should be noted for almost over a year the application for the modification was with M & T Bank and no one sent to the undersigned and correspondence with their requests despite the myriad verbal and written request presented to so my representatives and supervisors pf the Bank such as lately XXXX XXXX on XX/XX/XXXX and XXXX XXXX as late as XX/XX/XXXX very importantly and it bears repeating the undesigned has acted in good faith and the back kepts adding a new hurdle in the process. At this posture of the case it should be noted that the Covid-19 modification was denied although the undersigned completed all the steps including the monetary trial period. Every step of the way through the modification period the Bank may requesting new form to be completed and negate a previous one that it was send before such as the last request of form 45 -6 that it was send on XX/XX/XXXX and no one inform the undersigned after so many months that it was not successfully completed. Accordingly the " crus '' and the status of the above loan remains unresolved despite the copous efforts inquires and requests to fulfill the Banks demands Now they are threatening with foreclosure by XX/XX/XXXX Despite the prompt and written correspondence to their requests. Noted since XX/XX/XXXX when the first monetary trial has paid the undersigned requested all the inquires concerns demands such as the death certificate of my late husband than cloudy probate. the itemized outstanding balance of the XXXX XXXX arrears yearly interest of XXXX, XXXX and everything else to be sent to the undersigned in writing it has to be said, despite the reassurane the undersigned has not received any inquires in writing. It has to be mentioned that the undersigned has been harassed and discrimminated going through the process Care Act. Noted the loan has been paid for 14 years already and Bank demands foreclosure by XX/XX/XXXX thus losing the property due to XXXX
|
| 01/18/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
My name is XXXX XXXX XXXX & I am writing you to re-open my current investigation regarding claim # XXXX.
On Monday XX/XX/2023 I made a XXXX transaction with a gentlemen I thought was selling me XXXX XXXX tickets & a parking pass for the amount of {$1000.00}. I was posting on a XXXX XXXX Ticket page on the XXXX platform. The gentlemen I was assumed tobe dealing with XXXX page was listed under the name XXXX XXXX from XXXX, MD. I have also included several screenshots from my encounter with " XXXX XXXXXXXX '' via XXXX XXXX along with other people in the XXXX XXXX Ticket page group that ALSO was approached by " XXXX XXXXXXXX '' regarding tickets.
The tickets were to be in Section XXXX, row XXXX, seats XXXX, XXXX, XXXX, XXXX. While talking with " XXXX XXXX '' he informed me that XXXX would be the best for payment and gave me a number of XXXX to send payment to for the name of " XXXX XXXX ''. Once I tried to make payment, the transaction did not go through, saying " Something Went Wrong '' and to contact " XXXX XXXX ''. Which I did, and he then gave me another number to use, XXXX for a XXXX XXXX. He informed me that should work and to send the money to that account. Which I did and payment went through. Being that XXXX typically goes through instantly, " XXXX XXXX '' confirmed he DID NOT receive payment. To which I assumed maybe because it was a holiday that the transaction would not go through until the next day. To test this, l sent my fiancee {$1.00} to her XXXX account and she confirmed she received the money instantly. This was my red flag that I may be getting scammed.
" XXXX XXXX '' informed me to call the bank or XXXX and cancel. I attempted to do so and was told we could not cancel because payment already went through. I was told by a M & T representative that " XXXX XXXXXXXX '' did in fact, receive payment. To which " XXXX XXXX '' kept insisting he did not receive it. At this time, I began to investigate on my own and reach out to people in the XXXX XXXX XXXX XXXX on XXXX to see if anybody else has encountered any issues while dealing with " XXXX XXXXXXXX ''. And there were several people. I have attached severa I screenshots of other messages that people sent to me showing me their encounter with " XXXX XXXX ''. A common thing I noticed is that " XXXX XXXX '' kept saying the recipient was " his partner '' and that was who would be receiving the money. In the attached screenshots, I have " XXXX XXXX '' saying to send money to " XXXX '' XXXX " XXXX '', & XXXX XXXX XXXX. Upon doing more research, I found a XXXX XXXX in XXXX, XXXX, XXXX that works for a cyber security company and he had written an article about " Money Mules '' in XXXX and how it was becoming more and more common for " scammers '' to perform stunts like this.
Attempting to contact " XXXX XXXX '' some more after feeling more and more uneasy about the situation, I requested my money back as he kept insisting he did not receive it. He told me he banks with XXXXXXXX XXXX so I called them and was told that on Tuesday XX/XX/2023, all of their transaction have been processed and there is no reason for " XXXX XXXXXXXX '' not to have the money in his account. I kept insisting that " XXXX XXXX '' send me money back before I take further legal actions. He told me " How do I send it when I didn't receive it '' and " You think am scared or something '?? ". And then he blocked me so that I was unable to contact him anymore. I also tried to request my money back through the XXXX platform, with no luck. I even tried calling and texting the two numbers that he provided to me to make the XXXX transaction and they appeared to be fake numbers.
I am 100 % confident that " XXXX XXXX 's '' XXXX Account was compromised and that I was never talking to a " XXXX XXXXXXXX '' to begin with.
I have attached in this letter several screenshots { and labeled them ) as it pertains to this investigation. was trying to buy these XXXX XXXX XXXX tickets for my daughters for XXXX and as of right now, I am out {$1000.00}. As a father of XXXX XXXX this is a tremendous amount of money for me to lose during the holiday season. I beg you to please understand where I am coming from in this situation and hope that my letter and attached evidence helps to solve this investigation.
|
| 04/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Reference to : case number XXXX : M & T BANK : ANOTHER ERROR Please refer to the case number to know the past story but in continuation, I got a letter stating that {$84.00} was paid into my account since XX/XX/XXXX. I immediately went to my account to check and behold I saw another payment for {$19000.00} plus the {$84.00}. which was also credited the same day XX/XX/17. BOTH HAS BEEN IN MY ACCOUNT SINCE X/XX/17. I questioned myself why it was not mentioned in the first mail and official letter not sent ref the {$19000.00}, so I decided to go to the office near me to confirm if the money was mine. I signed in and saw the lady at the customer service desk and asked all the question about the money, I asked her to look into my account and explain why I did not get a letter for the {$19000.00}. so she said I might get it in the mail a later time, All this while I had thought that the money was paid out to me for all my inconveniences I had encountered with this bank and the transactions and their errors, back and forth calls, issues, as I doubled checked with her if the money was mine, she said " if it was credited to you, it is yours ''. then i questioned if the {$19000.00} was taxable, she said she dont think so. then I asked how much maximum I can withdraw she gave me option of up to {$10000.00} from the counter, she wrote a check and took it to the counter. Then she was there for long, I believe all the questions I asked had triggered her to verify. I came out and asked her what the matter was she told me she was verifying. TO MY GREATEST SURPRISE I WAS told AGAIN the {$19000.00} was an error. XXXX..This money had been sitting in my account since the XX/XX/XXXX, I was paranoid not because I could not cash the money but the fact that they just came out of one error and making another one. I am trying to build my confidence with this bank!! they are jeopardizing it. I began to ask questions. Did they just realize it was an error just because I came up to the bank? are they trying to set me up? what if I had spent the money using ATM taking money in small bits, then she said " the bank will consider it as a loss ''. XXXX my mistake right? will they come back to tell me to refund the money,? OR are they trying to play on my intelligence? Why is this bank stressing me out? I will not take this.. I went back home and checked my account, the money had been taken off, I took the check back with me assuming that the transaction never took place but to my surprise this lady had put the amount of {$10000.00} into my account record making it look like It was credited and debited out. OR making it look like my fault, that I was trying to cash money not mine. This is so unfair. I am not in support of that record in my account statement and should be TAKEN OUT. I WANT THAT OFF because that transaction did not take place neither was the checked presented, I still have the check with me. I called the bank to speak with the lady to ask her why she did that, like I had predicted she outrightly told me that " I tried to cash the money that was why it was there '' I reminded her that it is not true because she told me she was verifying the check, she became rude on the phone and told me " she does not have time to argue with me and HANGED UP ON ME. I was still talking thinking she was there, but before I knew it I realized I was just talking to myself. This is not fair, This bank has treated me with so much unfairness, distress and disrespect and had stressed me out mentally and so much inconveniences had happen, saying they are sorry is not enough. This is unprofessional, How many more errors will they keep making? for example, due to the fact that I was scared of the whole scenario, I closed my new company during the period I filed the first claim. I was so scared that it was a sign of bad luck they had brought me, since the beginning of XX/XX/XXXX that I started visiting their office ; for someone to fraud me that quick and they as my bank could not protect my personal account. They can not just pay me {$84.00} after stressing me out and not compensate me for all the troubles. Why should a bank with so much GROSS inefficiency and disrespect to customers still be in existence? I will not accept this.
|
| 11/01/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am a victim of highly reported extreme identity theft.
M & T bank has constantly, hindered my resolutions, concerning my mortgage with them. They have falsely reported inaccurate information to the reporting agencies, causing me to have a negative impact to my credit scores.
I have also endured constantly sending documents in for signatures, that were, supposedly incorrect or missing information. I reported fraud to M & T Bank that has occurred fraudulently with the Department of Defense accounting system, Social security, U. S department of Treasury, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX
I reported to M & T bank to have received calls and notification of fraudulent activity occurring with my mortgage company M & T Bank, I was told there was know fraudulent activities on my account.
M & T bank has placed a foreclosure on my home and has know intentions on listening to me and investigating the fraud activities that they are directly connected to on XXXX XXXX M & T bank reported me as having a negative TRADE LINE, this is not mine it is fraudulent and M & T Bank reported it as an derogatory account along with notification of a fraudulent Bankruptcy I notified them about.
M & T bank is not reporting my payments and the suspense account does not exist.
M & T Bank reported to the VA loan services that I have not made a. Payment, since XXXX. My ex husbands name was fraudulently removed from the mortgage.
M & T Bank has changed reporting information that I have from earlier credit reports.
I am afraid to submit paperwork to M & T bank they have know trust from me I am enduring intention hardship from the consumer that control the welfare of myself and family. The unlawful constant, disregarded attitude I have received from M & T bank frightens me I am a 100 percent combat XXXX Texas XXXX Veteran. I am XXXX XXXX and doing the best I can. There are know services to help me.
I am a victim I am innocent and this is mentally exhausting the treatment from all other federal entities is exceptional, XXXX XXXX has taking special time out to ensure, I am receiving the help with basic daily needs, due to my wages being fraudulently taken and transferred, along with my utility and water company.
I am receiving extreme retaliation for reporting The fraudulent activities occurring to the police others.
My case was deemed Fraudulent from all entities financial institutions except M & T bank and they perusing foreclosure on my home.
The hardship paperwork needed for my application for a modification or any other services can not be acquired accurately, due to the fraudulent activities on my entire life. All of my devices are hacked including my cell phone. My XXXXXXXX and the computer system in my car.
I am constantly paying bill that have know recognition of occurring.
I have credit cards fraudulent identified under my name. That were used for large amounts of money that are not being tracked that came to my house through the mail.
I have XXXX online obituaries reporting my death. My retirement pay combat pay and XXXX pay has been rerouted and returned to the institutions they came from fraudulently.
The IRS is not reporting the same thing as any of my federal pay accounts are. My XXXX plan has disappeared from XXXX XXXX and XXXX XXXX and being reported as XXXX .I am requesting that you please halt all activities and actions against m, until a full thorough investigation has been completed.
Justice has been found in my favor and fraud has been directly noted from all entities involved.
M & at Bank has directly proven they are apart of the fraud when they reported me as having a derogatory XXXX XXXX with them to the credit reporting systems that does not exist m. They were also aware of the fraudulent Bankruptcy that is not mine that occurred on or before XX/XX/XXXX.
Please help me receive XXXX fair treatment all victims deserve. To deal with a foreclosure and fraudulent activity identity theft and undue intentional heinously cruel hardship do to fraudulent actions is more than anyone should have to deal with as a victim with documentation of 3 major financial institutions being involved, from a simple bank. I am in fear more due to the retaliation and I need help.
Please help me.
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| 10/31/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I hope you are well. In the recent past, Ive made a few complaints to M & T Corporate regarding serious implications and accusations that were made about money laundering and fraud from my checking account from 3 different M & T locations.
These false accusations resulted in my account being locked on two occasions. The first set of days took place for 3 days on XXXX day Friday, XX/XX/XXXX through XXXX day Monday, XX/XX/XXXX.
They were questioning credits, from the Primary Credit Card holder, made to my account, from a credit card that I am authorized to use.
The manager, then asked for a credit card statement to show proof of funds, which was provided by both myself and the Primary Credit Card holder in person on Monday, XX/XX/XXXX. It was there that we were met with the utmost disrespect and disregard in customer satisfaction, including Friday, XX/XX/XXXX.
After 2 hours of performing their due diligence, on Monday, XX/XX/XXXX, my account was finally unlocked, with no apology, whatsoever.
Im not pleased with the outcome of M & T bank, since my complaint to Corporate. From my understanding, Corporates final letter stated that staff would receive coaching and training on how to deal with customers in the future. That, to me, is a slap on the wrist. Corporate did not resolve the fact that I went without funds for 3 days. M & T is defending the actions of their employees to unnecessarily and constantly target and wrongfully accuse me of fraudulent activity, where my banking account is concerned.
Apart from that incident, an unnecessary due diligence was performed on my account, a month before, on my tax returns, XX/XX/XXXX. After it was proven that my personal tax returns were rightfully made out me, then I was able to resume and receive the services I initially asked for. The incident on this date was incorrect in Corporates final letter from M & T corporate to me, which tells me that my complaint was misread through their Corporate office.
Again, what M & T has continued to do to me and my account is unacceptable. They refuse to take accountability for their lack of ethics, respect, and competence.
To my understanding, once a customers account is wrongfully locked or did not receive notice of their account being locked, the Financial Obudsman Services enforces the banking institution to reimburse the customer, due to distress and inconvenience.
In addition, on Saturday, XX/XX/XXXX, Ive experienced another inconvenience at M & Ts Central bank location, which is the only branch open on Saturdays. I went for withdrawal services, which they refused to render. The teller at Central branch asked me if Ive ever visited that branch before, because she, in particular, has never saw me there. I find her question/answer to be very ludicrous and asinine, especially when Central branch is the only branch open on Saturdays in XXXX. She has also mentioned the potential of fraud, which again, is undeniably false. The branches Ive visited for M & T are always suspecting and targeting me time after time after time, for whatever reasons that do not align with me. I found out later on XX/XX/XXXX, that my card was declined once again because my account was closed. I was left for a second time without access to my funds for an entire weekend. I, inconveniently, had to revisit Central branch on Monday, XX/XX/XXXX to re-open my account. I was given the runaround as to why funds were not available that day, which was total confusion, on their end. There were definitely funds in my account, more than what I was requesting. Finally, I simply asked to close my account, where I was able to withdraw all funds from my account. I really and clearly am not interested in banking with M & T anymore for these reasons.
At this point, Im seeking compensation in the amount of {$12000.00} for inconvenience, distress, wrongful judgement and accusation and financial abuse for closing my account on two occasions without notifying me.
Ive attached my original complaints for your review.
I look forward to hearing from you soon.
Sincerely, XXXX XXXX
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| 06/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Confusing or missing disclosures
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Web |
Older American |
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Dear CFPB, Here is an explanation on what happened when I wired money to M & T bank XX/XX/2023 located at XXXX XXXX XXXX, XXXX, NY, XXXX. I wired {$64000.00} to my home country XXXX and sent to XXXX to be received by someone in XXXX. When wiring the money, I showed the bank teller my account number. The bank teller made an error in the last two digits of the receivers account. When the bank teller was doing the paperwork, I asked her if she knew the change in currency from dollars to pesos ; she said she did not know. When I told her the amount I was going to send, she said it was too much money. I told her I really need to send the money as soon as possible due to the closing date of an apartment. I did not realize at the time that she made a mistake. 17 days later, the money had not been transferred. I looked at the paper I was given and the information was incorrect. XX/XX/XXXX, I went to the bank again, and another bank teller fixed the last two numbers of the account number. The new bank teller asked the old bank teller for the paper that was previously made and could not be revealed to me due to the privacy of the bank. The new bank teller said the money had not been transferred due to the error, yet my money is out of my account and not given to the recipient. Neither bank teller understood the issue and couldnt track the money. They gave me the number to XXXX XXXX XXXX XXXX and they as well could not discover the issue or locate the lost money. We called XXXX and neither could they. XXXX would go to XXXX everyday to see if the money had been wired when it had not. After many days passed, I asked my bank to transfer the money back to me as the date of the apartment closing passed. I spent an extra {$5000.00} to extend the closing date of the apartment to no avail as it still was not wired at all. When I asked for the money back, he said there would be an extra {$75.00} fee to send the money back. The next day, another bank teller said that I bought pesos at the bank and I was very confused by this statement as my money is in dollars and I never bought pesos. XXXX is the one that makes the change in currency, not my local bank in New York. I never bought pesos in M & T bank. First, I never even knew where to buy pesos here in New York. The reason I stayed in New York is because I had to stay for a knee XXXX. I was devastated after 45 days and more and still no money has been exchanged to either parties. I feel that there is no priority put on me receiving my money back from the bank. Monday at XXXX, the bank teller told me that they will give back only {$56000.00} from the original {$64000.00} sent. However, the money never arrived in XXXX at all. Why did they give me that money when the money never arrived? Why did they change the pesos to dollars to give me my money back? If I pay in dollars, I should be paid back in dollars. To get the money back, I have to pay {$8000.00}. If the employee of M & T bank spoke spanish, why didnt they tell me the rate of anything. I was not asked to clarify any rate change, or the extra {$8000.00} they would take to get my money back that they never paid in XXXX. They deducted the money without asking me how much they were going to take. If the money is allegedly in XXXX, why did they never get paid? The original bank teller then told me that they sent it through a different company. I believe XX/XX/XXXX at XXXX, the bank did not give me any new or valuable information. I am their client that speaks my native language. It is not at all fair that I have to lose {$8000.00} due to negligence and mistake of a bank teller. I received a letter with a number from the bank and they asked me if the money was legal. I told them of course and it was my life savings from working in this country for 18 years in XXXX, as well as compensation checks and XXXX. I have proof of this if necessary. The day I received the {$56000.00}, I began getting messages from other companies and I was really confused as to why. I appreciate any further help and am willing to clarify any misunderstandings. Please help me to receive my {$8000.00} back.
Thank you.
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| 05/16/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
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On XX/XX/XXXX, I had received an incoming call from an unknown number. I decided to ignore it since I was at work but the caller would not stop spamming their calls. I finally answered them to figure out who it was, just to find that they were calling letting me know that there has been someone using my identification for money laundering and drug trafficking using a false passport. I was already extremely skeptical since I know that I am completely innocent but decided to listen. They had explained to me that they were calling to confirm my identity. I asked many questions such as their identification numbers and their name and they had claimed that they are an ICE officer. They were calling from the official ICE number and told me to stay in a secure area and to make sure not to answer any phone calls while I was on the phone with them so that they can ensure that I was not contacting outside personnel. They gave me a set a rules to abide by or else I would have to go to jail for further investigation. So I complied so I could prove my innocence. They told me not to tell anyone about this call, not to answer any phone calls while on the phone with them, and to tell them if anyone is calling to confirm that I wasn't conspiring an " escape ''. I had kept receiving a call from an unknown number and let the officer know. They told me to search up who it was and it was the XXXX police department phone number ( At the time I had been at work which is in XXXX ). They told me to answer and when I did, the " police officer '' told me that I had a warrant against me and that they needed direct contact from the ICE officer to send them the current information they had received on their end. I then continued to read many forms on the ICE website so that I understood everything that is going on ( according to the ICE officer ). Once the XXXX police department received the information from the ICE officer, they told me that I had 2 options. 1, I could go to jail for 5-7 days so that they can thoroughly go through a background check, or 2, I could sign a bond to ensure that I will be monitored XXXX to make sure I am not doing any criminal activity or try to leave, and that I would not have to spend my time in jail. I went for option 2 so that I wouldn't have to waste my time in jail. They explained to me that they have lawyers on hand to officiate the bond and approve the monitoring process. They then told me to get an app to access my phone and see exactly what I was doing to make sure I wasn't talking to anyone else. They had me go through my bank ( M & T Bank ) and told me that I was able to send the money for the lawyer through XXXX. They then told me where to send the money and to who and I had sent {$950.00}. I then immediately realized that this was a scam once they had told me that I needed to get prepaid cards. I then told them that I wasn't going to do that and that I was going to call the XXXX police department to verify the person working on my claim. I called the police department to find that said person did not work there and that the scammer had hung up. I then contacted 911 and put in a police report of what happened. I then called M & T Bank to see if there was anything I could do to get the money back. They told me that I could make a claim and that the money should be able to come through within the next 10 days or so. So I had gotten a new card number and waited for their response. I then received a letter in the mail stating that my dispute had been declined and that I could call a their support line for further questions. I called and asked if there was anything on my end to support my case and they had told me to send in my policer report to the nearest branch to reopen my dispute. After a few weeks or so, I still had not gotten confirmation on my case so I decided to call back to get an update. They looked into my account and told me my dispute had been declined again. According to the Electronic Fund Transfer Act, I had been induced into transferring the money so the bank must reimburse the money sent, even if I technically authorized the money being sent.
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| 03/23/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
|
This is my spouse and I third attempt to have M & T Bank cooperate with us. The two prior complaint numbers are : XXXX and XXXX Both complaints have been closed with no satisfactory resolution.
Quick summation of the 1st two complaints : We requested M & T Bank to complete a simple " hardship/goodwill '' update to the payment history of mortgage account they have listed on our credit report. Basically we requested to have the late payment for XXXX of 2019 removed from our credit report. Doing so will allow my veteran spouse and I to close on our next home sooner in stead of later. In M & T Bank 's official response to the 1st two complaints they simply stated that reviewed their records and that the information is correctly reflected on our credits reports. Since M & T Bank neglected to address and respond directly to what we actually requested, we feel that it is necessary to try again.
We will like for M & T Bank to directly state why they refuse to grant us our request ( is there a law or act preventing them from granting our request ).
Prior to them supplying their official response to this 3rd complaint ; we are asking them to consider the following : - Please consider all of the information reported in the 1st two complaints. It was in those complaints we described with great detail the hardship we reference in all three complaints.
- In their official response to complaint # XXXX, they openly admitted and apologized for delaying the release of some of the $ 200,000+ escrow funds that our insurance company gave them to complete the repairs to our home. This admitted to " mistake '' delayed us in placing our house on the market to be sold by at least three months.
- Per M & T Bank 's official response to complaint # XXXX, they purchased this VA mortgage from XXXX while we were in the middle of catch up payment plan with XXXX. According to M & T Bank, the day they took control of our account, we were already 60 days behind on our mortgage. But the other part that failed to mention was that it took my spouse and I more than a month to reach the correct person at M & T Bank to properly discuss our situation and establish a new payment plan that would allow us to save our mortgage from going into foreclosure. I guess one can assume that M & T Bank purchase our mortgage expecting to eventually turn a profit. Surely they must of been under the impression that this mortgage was going to default into foreclosure. We believe that this is a correct assumption since they acquired the account while it was in default ; plus it took them several months to grant us online access to our new account with them ; thus preventing us from having readily available access to pay our mortgage during our hardship. They mentioned that if their customers ' accounts are not current, they lock their online access to the account. That makes absolutely no sense, unless your goal and purpose is to cause your customer to default bad enough for foreclosure.
So please answer this question directly too, what is the purpose of locking your customers online account access if their account is not current. We are struggling to understand this company policy. Personally, we believe that it is a terrible policy ; maybe someone can shed some light on to this for us. Because, not only is it your company 's policy to inconveniently lock online access to your customers ' accounts, your company also has the audacity to charge extra fees to make payments over the phone with your reps.
-Finally consider the fact that my spouse is a veteran of two services, that this a VA mortgage we are discussing and that your are preventing/delaying us from securing and new VA mortgage, and the fact that had M & T Bank not made it next to impossible pay our mortgage once you'll acquired it- we possibly could of caught our mortgage up well before XX/XX/2019. By the time we managed to talk to correct person at M & T Bank ( especially with no online access to our account ) my spouse and I ended up having to pay >150 % of monthly mortgage payment for several months.
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| 04/28/2022 |
Yes |
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- Trouble during payment process
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Web |
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Unfair, deceptive, or abusive acts and practices ( UDAAPs ) can cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace. Under the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services or a service provider to engage in any unfair, deceptive or abusive act or practice.1 The Act also provides CFPB with rule-making authority and, with respect to entities within its jurisdiction, enforcement authority to prevent unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service.
M and T Bank is employed by the Fair Housing Administration They are an approved lender yet they have failed to adequately implement COVID1 19 relief programs and the COVID-19 Recovery Modification on our behalf requiring paperwork that was not required and imposing qualifications that are not necessary under the FHAs guidelines and when we inquired about the homeowners assistance program XXXX of XXXX and XX/XX/XXXX instructed me during customer-service phone calls that this option did not exist and that I needed to sign the modification documents or my home would go into foreclosure The FHA Handbook XXXX and the Updated mortage letters Clearly state that Trial Payment Plans are not required for Covid 19 modifications however the M and T bank Requires the Following : M and T Bank Requires Trial Payment Plans . Trial Payment Plans as outlined in the updated Mortgagee letters are not required.
M and T Bank Required Trial Payments to begin 60 days before Loan Modification Documents were signed which led to a delay and subsequent cancellation of our modification When we asked why we were required to make Trial Payments we were told that the modification had been granted and that the payments would begin before the documents were signed.
M and T Bank Required Trial Payments to begin 60 days before Loan Modification Documents were signed which led to a delay and subsequent cancellation of our modification When we asked why we were required to make Trial Payments we were told that the modification had been granted and that the payments would begin before the documents were signed. The Documents that were Required clearly state that the modification was not guaranteed and that in order to move forward with a modification, the title must be free and clear of all liens and judgements ( Not a Requirement under the Covid 19-Modification ) M and T Bank Required Loan docs signed and Notarized before the 30-Day Grace period once they were received.
M and T Bank Required two on time payments before modification would be finalized On Multiple Occasions we reached out to M and T Bank and FHA/HUD notifying them of the Updated Mortgagee letters but customer service reps stated they were unaware of the updated mortgagee letters.
M and T Bank Cancelled the modification agreement when trial payments were not made and before the modification was completed.
M and T bank Sent a letter notifying us of their intent to foreclose on my home due to not making the required trial payments. ( Please see attachment ) M and T Bank Sent emails to FHA Counselors that were not true and placed us in a position where we had to send documentation proving that the statements that were made were False FHA Counselor Acknowledged that the Trial Payments were not required and requested that the Lender resend the documents M and T Bank the Lender that is Employed by FHA has not resent the documents or acknowledged the complaint that was made. ( Please See attachment ) M and T Banks Unfair, deceptive, abusive acts and practices have caused us significant financial injury to our Family- Our payments to M and T bank will be significantly higher due to the rise in mortgage rates- had they followed the guidelines our monthly payments would have been significantly less and would have saved us at least {$75000.00} over the course of our Loan.
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| 01/17/2024 |
Yes |
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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I am a XXXX XXXX and had been XXXX twice due to XXXX. I have fallen behind with all of my creditors, includes M & T bank my mortgage servicer. In XXXX of XXXX I started discussing workout options as I was {$9800.00} behind.
I was advised to apply for the California Mortgage Relief program as well as applying for workout plans with M & T Bank. I did both.
I was approved with an internal M & T Bank workout called " Partial Claim '' and before executing the documents I specifically asked if proceeding with the M & T work out would jeopardize my application with the state. The partial claim is backloaded and still owed and the state funds were not. I was assured it would not, as " often the sate approval take longer and in this case, state funds would either pay off the partial claim, be applied to payments, or a combination of all ". These calls are recorded and I encourage anyone to listen, as I used to work in Mortgages and I asked a very black & white question and received a very clear answer. There was no confusion on my part. With that information I proceeded with the M & T Partial Claim.
In the meantime, I was approved for the state program and approximately XXXX dollars were sent to my servicer and ae currently being held. I inquired how the funds were to be applied as a XXXX payment was due I have spoken to XXXX different agents ( the first being XXXX, second date I am unsure and today XXXX ) since funds have been received and the first stated there was a special department with M & T bank that no one can communicate with ( myself or representatives from M & T ) Call XXXX on XXXX : Said they would " note the system " asking how my funds would be applied Call 2 on unknown date in first week of XXXX : I was told I had been misinformed and that they had to send the XXXX back to the state due to my loan being current through a partial claim. I again begged them to reach out to the M & T department in control of the funds asking them to communicate with the state to at least payoff the partial claim. She said she would ( I believe I had insisted on my call being escalated, so this was some type of superior ) Call XXXX on XXXX : I was introduced to a single point of contact ( first time for this ) XXXX XXXX, who seemed more knowledgeable than the rest, but he stated that in the notes, there had not been any previous requested to the internal M & T department handling my funds. He said he would do so asking for payment on the Partial Claim. He recommended I reach out to my state, so I did. I asked for my case to be escalated as I had ben misinformed along the way and I am familiar with mortgages, documents and terminology, so I can only imagine how confusing and frustrating this could be for someone that has no mortgages knowledge.
On XXXX I reached the state XXXX representative and she stated if M & T does not void their partial claim or somehow apply the state funds ( which to date has not been returned to the state, rep confirmed ) I would have to reapply for another program. They also stated this happens " often with servicers '' and was told to file a complaint here.
Of course I am hoping to fix my situation, but I also want to help the " next guy/gal '' as it is unfair that M & T Bank has the power to foreclose on people 's homes, but every agent is misinformed and gives different information. In addition, they do not have the ability to talk to internal departments and / or did not follow through with communication to said internal departments as requested and was told would happen.
Again, all of these calls are recorded so I encourage someone ( ideally M & T Bank for training purposes ) to review so this doesn't happen to anyone else.
It would also be advantageous for M & T Bank to have someone for me to relay this information to so they an improve but to my many requests I was told there was no one. Again, selfishly I hoped to rectify my situation, but at the very least M & T Bank needs to learn and grow from this for people in the future, which to date they will not.
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| 07/07/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
Servicemember |
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On XXXX XXXX 2016, I informed M & T Banking that there were several fraud charges on my account from an XXXX customer. These transactions were noted by me on XXXX/XXXX/16 and was reported on XXXX/XXXX/16. However, M & T Bank stated they would investigate the matter and informed me that they would give my money back in a few days.
Five days later, on XXXX/XXXX/16, M & T Bank deposited the stolen money back into my account with the exception of XXXX transaction. I was informed they could not stop the other transactions from going through therefore they credited my account. When they credited my account I assumed it was the money that was illegally taken from my account on XXXX/XXXX/16 and thought nothing of it.
On XXXX XXXX, I received a letter stating that M & T was going to reverse the credit and pull all funds from my account on XXXX/XXXX/16. I asked M & T Bank " Why was this draft or reverse credit taking place? '' They informed me that they never paid the illegal transactions that took place on XXXX/XXXX/16 because they did not receive the required paperwork from the third party. I then asked " If they never paid then why did they credit my account XXXX/XXXX/16? When I viewed my account on the XXXX, it clearly showed the transactions taking place ... this is the VERY reason I called them in the first place. However, when I viewed the account documents, the account showed no evidence of any illegal charges taken place on the XXXX. As a matter of fact the only transactions relevant to this issue noted was the credit on XXXX/XXXX/16 M & T had placed in my account. The problem with this is, if you see the credit on the account, XXXX would most likely ask why is there a credit? M & T could not tell me exactly why the charges fell off the monthly statements which would have have shown why the credit was on XXXX/XXXX/16. I then proceeded to ask why did you credit my account on the XXXX of XXXX for activity that did n't take place on the XXXX/XXXX/16? I told the bank " if you did not pay the charges on the XXXX/XXXX/16, then why the heck did you give me a credit making me think you were simply reimbursing me like you said you would on XXXX/XXXX/16? Now you want to reverse the credit back to M & T on XX/XX/XXXX/2016.This has caused total confusion and obviously documents have been changed or loss to benefit M & T XXXX I do n't understand why it would take 5 days to determine if you are going to pay a transaction or not. Yet on the 5th day and 5 days later you give me the same dollar amount which was originally illegally taken on XXXX XXXX! ( see amount below ) : For the record I called M & T on XXXX & XXXX XXXX and XXXX XXXX and tried to solve the problem. The M & T letter I received was dated XXXX XXXX, 2016. The # is XXXX. Each time I called and spoke to several employees the response was unacceptable. The last person I spoke with was XXXX who identified himself as 'XXXX the Manager '.
Because of these transactions being reversed, this has caused undue stress on my entire family and home expenses. Transactions : All illegally withdrawn on XXXX/XXXX/2016 : {$510.00}, {$510.00}, {$510.00}, {$70.00}. The total amount M & T will reverse are the same numbers and amounts above.
XXXX : Why did M & T credit my account on XXXX XXXX, 2016, when they did not pay the transactions on XXXX XXXX, XXXX? The bank could have just not did anything because I would of not have lost any money, that is, if they did not pull it from my account-right? It looks to me like I am being forced to pay for the illegally transactions, not caused by me, out of my pocket by allowing M & T to revere the credit. Also M & T could not and would not show that the illegal transactions on XXXX/XXXX/16 were not paid which is suspicious banking activity to me. All documents should available for view. I do n't see how the purchase of overseas plane tickets could be reversed! M & T could not show the illegal transactions on my account that happened on XXXX, but was glad to show the credits on XXXX/XXXX/16.
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| 11/02/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/2017. Hurricane Irma came through Georgia and devastated my home and life. I immediately seeked assistance from my mortgage company as advised by my homeowners insurance, family and friends. They said, " We are here to help you '' and we have a " Disaster Assistance Program '' that will assist with deferring payment up to 90 days. After the 90 day period, I would have options ... Option # 1 Pay all back mortgage in full, Option # 2, Set up a payment plan to pay a little more every month until all back mortgage payments have been caught up, Option # 3, Do a Disaster modification reset, where they will basically work the back payments back into my entire loan and reset my mortgage payments to the current interest rate. In XXXX, I called to go over options again and decided to do a Disaster Modification. Before the deadline I also called to verify that everything was still on delay and that this would not affect my credit score. The reasons for these follow-up calls was for me to get clarification and confirmation, because I am a single mother - first time homeowner and I have worked tirelessly to rectify my credit and to keep a perfect credit standing with my mortgage company. I waited for the Modification documents to be sent to me for over a month and when I finally received them I immediately ( within a day ) sent them back via email. I all the while was receiving harassing calls from the collections department, threatening to Foreclose on my home. I also want to mention that I called several times within that month to check the status of modification documents being sent. It seemed as if one hand didn't know what the other hand was doing at M & T Bank. I guess I couldn't expect good communication to me, when they didn't even communicate within their own organization. Once I finally received the documents and sent them back for their review and Underwriting 's approval, that took a while too ( almost another month ). Now, I'm into XXXX and this is when I was told about something like a " Moratorium ''???? They said that it ended and I was not approved for the Disaster Modification, because my part of Georgia wasn't declared affected ... Now What? I was clearly upset and baffled, what do I do now? They told me my options, once again ... Option # 1 you can pay the back payments or Option # 2 apply for a regular Modification and they will send out new paperwork for this type of modification. I then asked to please explain the difference between these modifications ( they seemed to be the same ) Why didn't they send these documents the first time? They said that it just came out that my region of Georgia didn't get declared affected. At this point I did the same once again and returned the requested documents and forms back via email within a day. It took once again 2-3 weeks for me to get an answer. I called weekly just as before and no one could tell me anything, except that it was in underwriting. One day 3 weeks later I received a package in the mail that stated I was approved and explained my new payments indefinitely. Unbeknownst to me, It also said that in the meantime my credit will now reflect negatively for the past due payments of three months. Meanwhile, during this whole fiasco I made double payments ( 2 ) times and I am only now a month in the rear. I have been clearly taken advantage of ... I kept calling specifying that I do not want my credit to be affected and will M & T report this negatively on my credit. They kept reassuring me that they are not reporting to the credit bureaus and now ALL at once there are 3 months of damaging entries on my credit and my score went down by 300 points. This is unacceptable and this whole experience has truly been a real DISASTER ... Before their proposition, my payments were never late and my credit was great. Everything is reflected in the notes on my M & T account. Now, I am back at square one with my credit being ruined and I feel misguided and taken advantage of by my Mortgage Company.
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| 01/06/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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M & T Bank was servicing my mortgage at the time I filed for divorce. My ex-husband kept the house. Once the divorce was finalized, I contacted M & T Bank regarding how to remove my name from the mortgage, and provided them with the necessary documentation. They then requested additional documentation, much of which had already been provided, from both me and my ex. We provided the information to them in XX/XX/XXXX and according to the letter they provided, it would take up to 8 weeks to process and have me removed. I had not heard anything 8 weeks later, so called and was told they were unable to provide status. I then spoke with a supervisor who was able to get me in touch with the correct department. I left a message as it was after hours for that department and got no response. I called again, went through the same process of getting a supervisor on the line and trying to get to the correct department. This time I got a call back and was simply told it was still " in process ''. I continued to call back over the next few weeks for status, all resulting in a significant amount of time, and consistently being told they had no updates. On XXXX/XXXX/XXXX, I received an emailed copy of an unrecorded Release of Liability, advising I would be sent the recorded copy once it was recorded with the county. I continued to follow up for status on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The document had still not been recorded but I was advised on XXXX/XXXX/XXXX that my name had been removed from the account. I responded to this email and requested the documentation showing removal of my name and got no response. After a second request, I received a copy of a letter stating my name had been removed on XXXX/XXXX/XXXX. I followed up again on XXXX/XXXX/XXXX, and again got no response. I continued to attempt to contact the woman handling this issue multiple times and got no response until XXXX/XXXX/XXXX, when I was advised the document still had not been recorded, and in fact had not even been sent for recording until XXXX/XXXX/XXXX, meaning it sat for 2 months before they even sent it out to be recorded. I checked again in XX/XX/XXXX, and finally on XXXX/XXXX/XXXX I received the recorded document, 7 months after the initial paperwork was sent in for what was supposed to be an 8 week process at the most. During the months after I received confirmation my name was removed, I continued to received XXXX letters from M & T Bank and XXXX with refinancing offers. These were related to the mortgage I had been removed from, listed that mortgage number, property address, and my ex-husband 's name, yet kept coming to me, even after the Release of Liability was recorded. I called and asked them to stop and was told I was n't getting them because nothing was in the system. I received no less than XXXX of these ; possibly more. Even after I moved in XXXX to a new address, I received XXXX more of these. I called each time and advised that I had already requested to be removed multiple times and each time was told they 'made a note ' and could n't do anything else. Then today, XXXX/XXXX/XXXX, I received phone calls to both my cell and work numbers from M & T Bank asking for my ex-husband to discuss a notice regarding the mortgage. Not only were the customer service representatives unhelpful, unresponsive, and sometimes rude while I was dealing with the Release, but they continue to send me information ( via XXXX nonetheless ) and call me, despite my multiple requests to be removed from their lists and system. Their entire handling of the situation from start to finish was unacceptable ; the fact that they continue to contact me is starting to border on what I would consider harassment, particularly since they seem to disregard my requests to not receive letters and calls from their company and specifically related to a mortgage that I am no longer responsible for. It is stressful & frustrating that this is continuing over a year later
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| 08/27/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I am a XXXX. I have been attempting to complete a Short Sale for a client that has an FHA insured loan for almost 5 ( five ) years. They were wrongfully harassed and denied assistance from M & T Bank and HUD. I am reaching out to you for your help to resolve this nightmare.
I will outline the timeline and actions that have led to this complaint.
I listed this house XX/XX/XXXX. More owed than what the FMV of the house was. She had lost her job ( no fault of her own ) and could no longer afford the payments.
The loan was owned by XXXX XXXX XXXX. We submitted the required packet several times in it 's entirety. Fully executed.
We submitted an offer that was reasonable at the time the Purchase Contract was written. We stayed current submitting paystubs, bank statements, XXXX ... .everything that XXXX and FHA required for consideration of an Approval to Participate. We made no progress at all with XXXX. In XX/XX/XXXX, we received a letter stating the loan had been sold to M & T Bank. So we started all over.
Same thing. Sent fully executed, complete, up to date packet to M & T. Stayed current ( all with M & T account numbers and Authorization Packet ). We have submitted MANY complete packets. We still had nothing from M & T except, " It 's still under review ''.
In the interim of trying to get this ATP, the sellers experienced marital problems and filed for divorce.
During this same time period, the soon to be ex-husband was commuting more than XXXX miles ( one way ) to work. There are no back roads to get there as we have our XXXX XXXX XXXX that funnels all traffic onto ONE highway.
I did finally get a Sales Contract Review from M & T. However, I did so by contacting FHA HUD. I had a ( new ) cash offer that could close in TEN days. We submitted the POF, est HUD and all other needed documentation. M & T denied the sale and have since asked for yet ANOTHER packet. When I was there yesterday to check on the property, there was a " Notice of Trustee 's Sale '' scheduled for XX/XX/XXXX.
These are the relevant questions to ask both M & T and HUD ; 1. The sellers have met at least XXXX ( XXXX ) criteria for an Approval To Participate.
a Loss of incomeb Excessive commute ( over XXXX miles one way ) c Legal Separation/ DivorceWe have NEVER received an ATP from M & T . We did receive ( after HUD called M & T many times ) the PFS from the bank stating that the offer did not fall within the " normal 88 % '' required net of the PFS 'Three Tier ' system ( even though the house had been on the market for nearly XXXX years ). M & T refused to even consult for a variance with HUD of any kind.
So the divorce is final, the house is now EMPTY ( well, except for the heavy stuff that they left for me to clean up ). The water has been shut off, the electric and gas will be shut off on XX/XX/XXXX. The yard will not be maintained, the HOA fees will not be paid ... and let me mention the fact that XXXX of the down-stair ( below grade ) bedrooms have issues with water infiltration and XXXX has a 'sump pump ' in the window well, which is obviously not working good as the carpet is wet and the baseboard is swelled and stained. So while I was DOWN in the WINDOW well trying to coax the sump pump on, I realized how totally WRONG this is.
I have invested almost five years in submitting everything for loss mitigation and I am STILL getting nowhere. My clients have complied completely and finally just gave up.
HUD states it ca n't force the bank to co-operate. Is n't that like buying insurance without getting the coverage? My clients paid PMI every month and even though they QUALIFY for FHA HUD assistance they get NOTHING from HUD.
I am discouraged but I am even more MAD. No WAY M & T can auction this to secure their " XXXX % ''. Attorneys are expensive. So are repairs on a flooded home.
My tax dollars at work? Yes, for the banks. But XXXX with the tax payers that keep this very broken system going.
Sad : (
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| 07/16/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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Found RV ( motorhome ) on XXXX interested in purchasing. Contact seller. Seller sends e-mail back with requested info. Seller indicated transaction to take place via XXXX motors. I receive invoice and am told to call XXXX XXXX number on invoice for wire instructions. I wire {$7800.00} from my account at XXXX XXXX XXXX to " EBPA '' account held at XXXX and XXXX XXXX XXXX Payment confirmation and shipping information received from " XXXX XXXX '' When the motorhome did not show up as indicated I called " XXXX XXXX '' to get after hours voicemail. Contact again on XXXX/XXXX/15 however, phone # does not dial, no ringtone, no voicmail. So I go to main XXXX page for anothe contact #. I call XXXX and give them the tracking number from my invoice only to be told that they did not have that invoice on file and there was no such tracking # in their system. I immediately hand up and contact my wire and initiate a " wire recall due to fraud ''. M & T bank is notified on XX/XX/XXXX & XX/XX/XXXX. I was told to call on XX/XX/XXXX for status. XXXX had rec 'd no response from M & T. Called again on XXXX told same thing. Decided I was not going to wait and that I would start contacting M & T directly. Was finally able to get an online teller @ M & T to convey the fraudulent activity to their Sec. Ops Dept. ( They would not speak w/ me directly as I was not their account holder. Told her that I had contacted Banking Commisssion ( which I had ) & that I was quite confident SOMEONE in their security dept would want to know that there bank was being used to perpetuate FRAUD & LARCENY. At that point she put me on hold for quite a while and then came back and took my information. I gave her the $ amount, the recipient Name and account number. I was put on hold again for a lengthy time. When she returned she indicated that although she could not divulge any details to me that the account had been flagged as being used for fraudulent activity and a HOLD was placed on it. Further I was told to " PUSH the issue '' with my bank and that my bank ( XXXX ) must submit a Hold Harmless Agreement. ( Having worked in banking for many years I then used M & Ts automated system along with the recipients info that I DID HAVE and did a " Check Verification '' for the amount of {$7800.00}. The system DID indicate the account was still with M & T and their were funds available to cover a {$7800.00} check. This was on XXXX/XXXX/15 at approximately XXXX XXXX. ) I then contacted XXXX again, spoke with XXXX in the " Escalated wire services dept. ) who indicated to me exactly when the SWIFT requests were sent to M & T and specifically what they said. Both indicated to return the money as it was fraudulent activity. She also stated that XXXX would not just send out the HH agrmt that M & T must request it via responding to the XXXX requests. I then phoned M & T to state they must request HH agrmt request via original XXXX request sent to them either on XX/XX/XXXX or XX/XX/XXXX. She then consults someone from " our lawyer room '' and was told they did not know what a SWIFT request was and they they would only respond to a " Service Request ''. During the time I was doing this a message was sent to my local XXXX branch stating " account holder no longer with bank, sender to contact them directly ''. The next morning my local branch rep called to tell me the response. I told her I had personally been in touch w/ M & T the day before and was told the account was put on hold. I also told her that this response was unacceptable and that I wanted to be contacted by someone from XXXX 's wire department that had authority to take some action. I hung up with her and then used M & T 's automated system again, ( XXXX/XXXX/15 @ XXXX a.m. ) and did another 'check verification ' for {$7800.00}. System indicates there are funds to cover that amount. I never heard back from anyone at XXXX, as requested. I also did it again just now on XXXX @ XXXX.
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| 07/30/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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On XXXX XXXX 2016 when checking my M & T checking account balance online I noticed my debit card number had been stolen. XXXX fraudulent transactions had been made totaling {$420.00}. I called the customer service line to have the card canceled, and a case opened to investigate the fraudulent charges made. On XXXX XXXX, the funds were returned to my account. On XXXX XXXX, I was issued a letter stating that a review of my account was done and a " thorough investigation '' was completed to determine that the transactions in question were processed correctly and no error had occurred, therefore denying my claim. All except XXXX of the XXXX fraudulent charges were extremely out of nature for my spending habits, though. The biggest purchase was for {$290.00} at a XXXX. I have never stepped foot in a XXXX, nor do I have a membership to XXXX. Another was for an XXXX Taxi for {$28.00}. I rarely ever take taxis, but instead use applications such as XXXX or XXXX to order cars. There is a transaction also on XXXX XXXX for XXXX for {$4.00} which I purchased. Why would I be in an XXXX, and then take a taxi? XXXX of the fraudulent charges were made at a XXXX in the XXXX for {$29.00} and {$3.00}. The location of this XXXX is an hour and a half away from my home, and I have never been to that part of the XXXX in the 5 years I have lived in XXXX, nor do I eat at XXXX or have ever charged my card to one. The most bizarre charge was for {$0.00} at a parking meter -- I do n't even own a car to park. The last XXXX fraudulent charges were made at the XXXX XXXX in my neighborhood which I shop at. I believe this is where my number was stolen. The charges were for {$58.00} and {$7.00}. I had made a purchase at that Rite Aid on the same day for {$10.00}, but the other XXXX charges were not made by me. Despite all of these contradictions, my bank refuses to believe I did not make these charges and they took the money back out of my account on XXXX XXXX. I called the customer service line to reopen my case on XXXX XXXX, and was told it was being looked into once again and the money would be put back into my account. It never was. Tired of talking to representatives on the phone, I went into my local bank branch on XXXX XXXX in XXXX to talk to a physical person. I explained my situation to one of the agents there, and she faxed over my documents to the fraud department and had my case officially reopened. This was on XXXX XXXX. By XXXX XXXX, the money still was not returned to my account nor did I hear anything from my bank. I went into the branch once again and spoke to the same agent to see what the status of my case was. She said she had not heard anything from the fraud department since XXXX XXXX, so she called them while I waited. When talking to the person on the phone who was handling my case, she informed me that they were not going to reinvestigate my case, and stick by their original claim that there was no fraud made. She said that they would not communicate this to me directly, and had no plans to inform me of this. The person on the other line would not speak to me, so I was being told all of this information secondhand through the woman assisting me at the bank. The person on the telephone claimed that all XXXX purchases were made using chip insertion, so it could n't have possibly been fraud since my physical card was not stolen. And since the chip is " unique and original '' to each card they are " highly difficult '' to replicate. I was then told there was nothing else I could do, and I will not be getting my {$420.00} back. If the person did a proper investigation, they would find that my signature is not on any of those purchases. And I highly doubt all XXXX of those locations where the fraud occurred are up to date with chip technology. I would challenge them to go as far as to look at video surveillance, because I would be far from present at any of those locations.
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| 07/25/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I lost my home of 25+ years to a preditory lender. Granted I was behind in my payments, I was on XXXX with my company at the time. I took out money from my XXXX ( k ) at one point to catch up. When I called to tell them I wanted to pay on my account I was told that I could n't pay my lender any longer and they referred me to a Mortgaging Services Company ~ the representative from this company told me that she would send me paperwork to fill out, when I told her I just wanted to " catch up my account '' I was told that I no longer could, that I needed to apply for the HAMP (? not sure ) Program that was available for people like me that get behind. The home was my Marital home that I fought for when my ex husband and I split ... the plan was to make sure that I had a home to leave for my son, XXXX XXXX XXXX is XXXX and out of work. Unfortunately since losing his job of 10 years he has not been able to find another since he was XXXX in 2007! Trust me when I say discrimination against XXXX people is alive and well. We have seen it over & over in the last 8 years. Ok, back to the Mortgage Companies practices. She asked me " would n't you like to not only keep your home but lower your payment? '' So, I sent all necessary info EVERYTHING she asked for I sent, it was checked off and returned via XXXX XXXX. According to her I had to have everything to her ASAP, my deadline was insane. But she received it, I made sure I sent it " Direct Signature Required! '' So I knew when it was signed for ... well I waited and waited ... knowing my deadline for submission to be foreclosed was looming ahead ... So I began calling and getting her answering machine ...? Funny thing was when I finally did get her got her it was through My original Mortgage Company ... I called them and told them what was going on and the person I spoke to said " Hmmm, that does n't sound like " her name '' ... let me see if she 's available ... '' Now when they referred me to this " mortgage servicing company '' they acted as if it were a separate entity ~ they even alluded to it being in XXXX and not XXXX? Imagine my surprise when I discovered she was in the building? So when she came to the phone I asked her why I have n't heard back and she grabs my file and says that her Supervisor needed more information. Now my deadline is right around the corner. My question to her is " Why did n't you have these items on the original list, why are they even needed now? '' It was detailed information that seemed uneccesarry ~ like they just wanted me on a wild goose chase. As it turns out I get them the info requested and they send the Foreclosure over anyway. Keep in mind that this began with me trying to pay up with my Mortgage Company. Meanwhile I received a phone call from someone that I had spoken to months before in reference to a refinance and since I had him on the phone I asked him about what my Mortgage Co did ... he said that the red flag should have gone up as soon as MY Mortgage Co would not accept payment for my Mortgage ... that 's what they are there for, right? He said he wished he would have pushed a little more months before so that we could have saved my home. I DID come up with the money to save it and DID save it the first time ... or so I thought ... the XXXX XXXX I borrowed was wasted because they claimed it was n't enough to save it ~ so my plan was to move back into it ... I had also had renters in it with an infant so I was a bit concerned about them ... well, rest of the story, long story short ... they moved out ~ the place was infested with termites I was told it would be thousands to fix it so I stayed where I am. Thousands later and I lose my family home anyway ... it still breaks my heart. Banks should not have the capabilities to be able to do this sort of thing. I was n't a living, breathing person to them ~ I was only the $ $ that they saw ... crooks ... my son loses. Again.
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| 03/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint is to prevent constant bad treatment from Peoples United Bank ( See Affidavit ) now M & T Bank. This is most importantly to ask the Federal Reserve Board, the Federal Reserve Examiners and Regulators, the Consumer Financial Protection Bureau in their powers and rights, to save me, my mortgage and my XXXX against ongoing odious treatments, retaliations and further financial discrimination by M & T Bank and to provide relief of previous actions that caused me harm. ( See Affidavit ).
In XXXX and XXXX I sought to diversify my business and acquire a mixed-use property for both living and performing business. Being concerned of a new lawsuit filed by the business property landlord I had and continued persecution in the area where I was conducting business, I contacted M & T Bank, which was my bank in college, to transfer service to their bank and apply for the commercial loan to modernize my business instruments in the brand-new location.
Since XX/XX/XXXX, I have been going back and forth to the same M & T branch in XXXX XXXX where I resided at that time to extend the request. The branch manager managed to help me in different ways, however never been able to do anything for me or my business. I proceeded anyway to open an account in XX/XX/XXXX after I disbursed two checks of {$20000.00} and {$25000.00} to the landlords attorney in care of the landlords issue of non-payment to see if I could hold the previous place of business for a while amidst the transition to my new mixed-use property, but also followed my objective to apply the rest of my available fund to save and transfer the XXXX to my new designated place.
In continuance of the search for that extra loan I revealed to the branch manager that I was closing on a mixed-use property in XXXX with a mortgage company, surprised, she insisted to give her the business, to bring my closing paper to her so she could help me with both getting the mortgage with M & T Bank and also increase my chance to get the extra loan with the bank to get instruments and improve the basement to back the payment of the loan with the business on premises.
Since this was my idea to save the XXXX from the eviction proceeding in the business previous address I agreed and brought her my closing documents.
While processing the mortgage documents, she realized and revealed to me not to be surprised that M & T was finalizing acquiring Peoples United bank as well that the accounts I open with M & T can be merged so that everything can be in one place. She offered me a credit card for the business and made me speak to another M & T representative that does SBA 7A loans to help me with the business part.
I did everything to get the fund I needed to back the mortgage as it was promised with the bakery on premises at my new mixed-use property, however little I expected, they took the mortgage, and months, after back and forth, rejected the business loan request by their underwriter ( see Affidavit ).
Now that I completely moved through a business eviction process known by both M & T and Peoples United Bank ( see Affidavit ), M & T wanted nothing to do with me. As described in the attached Affidavit, M & T is registering my late payments and continues to act ominously to make me lose my assets. My XXXX has been making bread for 48 years in XXXX XXXX, New York. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is capable to pay the mortgage, yet after taking my mortgage and my mortgage services, M & T pretextually keeps me at bay, prefatorily accuse me of employee abuse ( see letter ), closed all my personal and business accounts including my credit cards, menaced me of adverse means if I go to their branches, they request no contact except online, while they keep processing my mortgage payments with lapse of time and predicament, they expect one day I will financially collapse because I will have no bakery to back my mortgage.
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| 11/21/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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In XXXX XXXX, I left my job to start a business. Daycare expenses were out of control with both my wife and I working, so I figured running a business from home would allow us to save on daycare expenses and that my income would be easily replaced by the business income. We took out a couple loans to finance us while I got the business off the ground. Problem : despite my best efforts, the business completely failed. I literally made NO money off of it. I only had ONE customer in 9 months of being in business and he never even paid me. We ran out of savings by XXXX XXXX and my wife 's income was not enough to make mortgage payments by herself, so we fell behind. As soon as we started to fall behind, I was proactive and called M & T Bank ( the lender on our mortgage ). They sent me " foreclosure prevention '' paperwork to fill out and send back to them, which included forms to fill out and send back with a hardship letter and proof of our situation, etc. They did n't mention forbearance as an option on the phone, but I knew that it was because I have an FHA mortgage and all it takes is a quick XXXX search to find out what your options are. So, because I was essentially unemployed ( self-employed with no income is basically the same as being unemployed, right? ), I applied for a forbearance. I specifically said in the letter that my application was for a forbearance, but to let me know if/why that option is n't available and to let me know what options ARE available. This request was COMPLETELY ignored. Without telling me why, they put my application in for a loan modification instead ( which is NOT what I requested ) and then denied it based on the lack of income. Of course there was n't enough income! That 's why I was applying for a forbearance, NOT a loan modification! I was annoyed, but planned to get my mortgage caught up anyway. I got a job in XXXX XXXX where I was able to work from home until XXXX, when we would have to relocate. This job paid as much as my wife and I were making combined prior to my unemployment AND we rented out the house when we relocated, so we had rental income on top of the income from my job and could start getting caught up on our mortgage. We were 3 months behind at this point. I sent in a payment for XXXX of our past due payments and a little extra. M & T sent it right back to me. I called them and they said that they wo n't accept any payments unless I send in XXXX payments at a time. Now, keep in mind that with my increased income from my new job and rental income, we also have to pay rent for where we 're staying, so we could n't afford to send in XXXX payments at XXXX time. I could pay extra each month until the loan was caught up -- that 's what I planned to do -- I just could n't do 100 % extra. I told this to the representative on the phone and he said they ca n't let me do that, that they 'll continue to just send payments back to me unless I send them XXXX at XXXX time. Now, I 'm several more months behind and my loan has been forwarded to a foreclosure attorney. I 've been trying to find a way to work up the funds to bring the loan current, but have had no luck so far, and now I find out that they have disclosed the status of our loan to the tenants living in our house. I understand that as landlords, we 're legally required to inform our tenants if the home is about to be foreclosed on, but there is no date set yet and we still have time to either get the loan reinstated or get the loan modified, so it seems that the status of our loan may have been unnecessarily disclosed to an unauthorized 3rd party. That makes XXXX strikes in a seemingly predatory scheme by our mortgage lender. The people on the phone have always been nice and respectful, but it seems like the company they work for is eager to foreclose on our home. We 're going to send in another application for a loan modification and hope for the best.
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| 05/19/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Good Morning All, I wish to have these very important & relevant questions answered by the Plaintiff, Wilmington Trust, the entity claiming to be the holder of my mortgage note that was allegedly sold on the secondary market XX/XX/XXXX by the servicer, XXXX XXXX XXXX XXXX , XXXX ( loan originator as well ). The Plaintiff in its sole capacity claims the mortgage was sold into the deal XXXX at some point between XX/XX/XXXX-XX/XX/XXXX. Your office retains a copy of the note with endorsements. Please note that XXXX did not exist any longer in XX/XX/XXXX/XX/XX/XXXX for failure to file annual returns with Secretary State of WA. This means that first endorsement on the note was fraudulent in nature as the entity had DIED, but purports to be assigned to a trust well into the future before its creation. The same holds true for the XXXX endorsement. I see nothing that indicates that these endorsements reference Successor By Merger! That is just the tip of the iceberg. There is so much more to discuss. So we have an entity claiming they have legal standing to foreclose as they claim they are holder of the note. The agreements between themselves are ridiculous & have no merits for the homeowner to legitimately track their COT ( Chain of Title ) at the recorders office. They simply do not match! They can fabricate their agreements at anytime amongst themselves which allows for further deceptive fraud against the homeowners ( FYI XXXX and XXXX ). My case is not going to be used to set favorable precedence for any bank entity to help them steal other homes in the judicial arena in the state of Washington. I will absolutely MAKE SURE this WILL NOT happen. I am a responsible individual and also a steward of the state and the public should be aware of various facts that surround this case so they understand what is at stake. To not know would otherwise be harmful to the public. IF ONLY THEY REALLY KNEW! I wish to know the trust balance specifically related to my property. I wish to have a NOD stating amount owed and to whom I am actually in default to. Now what would be the reason why a valid and legal NOD would not be given to me? Can anyone guess? I just want to compare the balance in the trust to what the complaint indicates. Simple, right? Furthermore, I wish to know how the Servicer ( XXXX XXXX who claimed they sold all their rights & interest XX/XX/XXXX ) continues to make assignments on behalf of themselves and XXXX, well after the trust date closed? As your own XXXX XXXX said to me : How did the entity get the loan out of the trust to make further assignments after that date? My response to that is : PERHAPS they are double and triple dipping. Fraud on the homeowner, fraud on the investors, SEC violations! PERHAPS, JUST PERHAPS the asset never really left XXXX XXXX XXXX XXXX. What do you think XXXX and XXXX. I am onto all possibilities and realities to be proven in a court of law of course. BUT, I am not the Plaintiff that bares the burden of proof. Does n't mean I can not disprove what WT states. Let us not forget about the XXXX Manual ( the attorneys manual for foreclosures ). Last, it is quite obvious that XXXX XXXX is behind it all and I have felt this. They need to show me what they did with approximately {$150000.00} in payments made direct to them after my XX/XX/XXXX Chapter XXXX BK DISCHARGE, where mortgage was not re-affirmed, but yet I, XXXX . Homeowner exercised GOOD FAITH in paying them as I have always INTENDED on keeping my family home in which my husband himself built and we used some of our own money. Now comes the NPV issue. So we have a Trustee for a Trust claiming I owe X amount of dollars. But yet they can not even provide me a NOD to match the amount & entity on their complaint? WHY NOT? What 's it going to hurt? Could the Plaintiff state the actual amount owed to the Senior Beneficiary? In this case, it appears to be investors for a trust.
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| 07/31/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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M & T BankXXXX XXXX MD XXXXXXXXSUBJECT : Refund of all PMI charges on my loan.
Ref : http : //www.consumerfinance.govFew weeks back I went to XXXX XXXX XXXX for review on the current refinance offer the representative told me that by looking at your loan and down payment the XXXX XXXX financial had made the serious error on your mortgage. Please remove PMI and refer all my payment its was simple bank error or misunderstanding of law as per XXXX XXXX XXXX Associate who just do mortgage this for leaving.
The Condition on the PMI are LTV ( Loan to Value ) Ratio must be less than 78 % for automatic termination of MIP. On the day of closing we initially expected to pay 20 % but we have put the down payment of 30 % to eliminate the PMI as we have accelerated payment so as per the original appraisal the Value of the property was {$520000.00}. The sale price of the house was {$460000.00}. We have issue the check of 30 % hence it was old broker error who later sold the all wrong loan to M & T Bank.
In case we did not received the refund within XXXX days we like to file the complaint at Consumer Financial Protection Bureau. We have open the ticket and requested this over the phone and send message feature but no one are getting acknowledgement for error online and they have advise us to send the written notice so let us know as soon as you received the letter.
Discontinuing Monthly Mortgage Insurance Premium Payments : Many homebuyers ask FHA if they can stop paying FHA monthly mortgage insurance premiums with their mortgages.
FHA insures mortgages so that lenders will be encouraged to make more mortgages available for people. The FHA mortgage insurance agreement is between FHA and the mortgage company, so you must contact your mortgage company and ask them what they require to drop the insurance. Most mortgage companies will want you to have a substantial amount of equity in your home.
If the periodic ( monthly ) mortgage insurance premiums are paid up for an FHA case before schedule ( i.e., accelerated payments were made and the unpaid principal balance is 78 % or less ), the month and year the last monthly insurance premium is assessed ( final bill date ) can be changed by the servicer or holder of the mortgage. However cancellation of the monthly premium can only be used for active risk-based cases that have a closing date after XXXX XXXX, XXXX and a case number assignment date before XXXX XXXX, XXXX and meet the eligibility requirements described in Mortgagee Letter XXXX ( with Attachment ).
For mortgages with an FHA case number assignment date on or after XXXX XXXX, XXXX, the FHA insurance can be terminated by the servicer or holder if the mortgage is paid in full before the maturity date.
When can I remove private mortgage ( PMI ) insurance from my loan?
updated XXXX/XXXX/XXXXTo remove private mortgage insurance ( PMI ) that you pay on your mortgage loan, you must be up to date with your monthly payments. These rules apply to mortgages closed on or after XXXX XXXX, XXXX. Federal law generally provides two ways for you to remove PMI from your home loan : canceling PMI or PMI termination.
Request PMI cancellationThe Homeowners Protection Act gives you the right to request that your lender cancel PMI when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. This date should have been given to you in writing on a PMI disclosure form when you received your mortgage. If you ca n't find the disclosure form, contact your lender.
You can also make this request earlier if you have made additional payments to reduce the principal balance of your mortgage to 80 percent of the original value of your home.
There are other important criteria you must meet if you want to cancel PMI on your loan : Termination of PMI at the loan 's midpoint may occur before reaching
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| 02/05/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX XXXX checks were deposited by mobile deposit on my husband and I joint checking account with M & T bank. The amounts were {$620.00} and {$370.00}. The issue seemed to start there due to the fact that both checks belonged to my daughter and she was not listed as an account member and no one signed under her name on the back of the check.
On XX/XX/XXXX Our checking account was frozen. Which it has remind still to right now. We have made numerous trips to the bank, spent endless hours on the phone and countless emails sent and received to M & T all to have exactly the same result that we finally managed to get around XX/XX/XXXX.
On XX/XX/XXXX We received a notice in the United States Postal Service regular mail stating that a hold had been placed on our checking account and that it would be in place for 5 business days and then be removed.
We waited until XX/XX/XXXX then we started email customer service due to not even being given the reason that the hold was placed on our account at this time! We thought for the entire first 2 weeks it was because our account received 5 refunds from XXXX right before they placed it on hold.
I then called the bank on XX/XX/XXXX. Customer service told us that both me and the joint account holder needed to go into a local branch office with ID and sign an affidavit and then the hold would be released. We both went directly to the bank as soon as I hung up the phone. At the bank we were both informed that no it was the main account holder and my daughter whom the checks belonged to needed to come in with ID to sign the affidavit. We made sure while we were there that the bank would be able to accept an expired Kentucky State Drivers license or her birth certificate and social security card. Which is how my daughter needed help to cash a check to start with. She had just relocated to New York and her drivers license had expired while Kentucky had the DMV shut due to COVID restrictions then when they opened back up for in person she was already planning the moved back to New York. The bank said they would accept her ID.
The bank responded back to our email on XX/XX/XXXX. Telling us that my daughter was the 2nd party needed to bring ID to the bank and sign.
XXXX XXXX My daughter and I go in to the bank sign both affidavit along with paperwork to add my daughter to my other M & T checking account that was just mine not a joint account with my husband. The gentleman that had us sign the papers told us that the hold would be removed within the next 24 hours.
From the First week in XXXX it has just been one message after another XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX of XXXX and trips to the bank to attempt to get at the very least a date of how long the account is going to be frozen for. The last trip to the bank I was informed that our bank had yet to receive anything back for XXXX XXXX which is why our account was still on hold here. It has been 50 days with our account frozen and we have done every last little thing that the bank has said they needed to release our account but we are still in the same situation that we were XX/XX/XXXX! We have over {$9000.00} sitting in our account we have disconnect notices for all of our utilities, we have an eviction notice for our apartment, we owe both my mother and my husband 's father money from having to borrow it because we cant access our account! I was understanding the first week, even the second week but this is almost 2 months now and still no end in site. If another bank is the issue then by all means I will redo this entire complaint against XXXXXXXX XXXX. Some one just please tell me who to contact to get access to my funds. I have even tried to get the bank to transfer any of the incoming funds to my other account but to no avail. Surely 2 banks can not just freeze you checking account and keep it for however long they see fit!
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| 09/26/2016 |
Yes |
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- Settlement process and costs
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Web |
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I am a first-time homebuyer who used the XXXX HUD ( United States Department of Housing and Urban Development ) loan program to purchase my dream home.
To date, my former contractor has received approximately {$86000.00} in funds ( aided by my former HUD XXXX consultant ) while many of the areas where the money has been spent will not pass city inspection ( supporting documentation available ). After bringing this to the attention of XXXX HUD officials it has become apparent they do n't know what to do. They have been very slow with their " investigation '' and alluded to the offending parties ( i.e. lender, consultant, contractor ) simply not even responding to the complaint at all.
A requirement of the XXXX HUD loan program is to enlist the services of a consultant whose job is to help navigate the process. However, it has come to light that the consultant and contractor in my case have possibly been colluding to defraud me. I would later discover the contractor whom I found through my former consultant was unlicensed to do work in XXXX ( when he signed on for my project ) where my home is located and has been since XX/XX/2015.
This contractor would later hire an unlicensed roofer who put a horrible, poorly done roof that is a potential fire hazard on my home and will need to be re-done completely. The work done by the plumber, electrician, and other subcontractors is just as horrible and will all need to be re-done.
My home is extremely unsafe and in no way, shape or form can I allow my family to stay there. I 've kept my bank abreast of these developments as I have discovered them. Once I terminated the contractor I was told that I am unable to move forward with any other renovations because the funds set aside for this are " frozen '' until the situation with the contractor is " worked out. '' However, the only resolution the bank proposes is '' binding arbitration. '' This contractor not only failed to perform the duties required he totally misrepresented himself. Binding arbitration may work for small disputes between a contractor and client. Being forced to arbitrate with someone who uses the loopholes in a faulty system to defraud me equates to being forced to negotiate with my extortionist. This contractor has used most of my budget on renovations I ca n't use, destroying my home in the process and after bringing this to the attention of all relevant parties ( i.e. HUD, and M & T Bank ) feel their lack of sound action shows a level of indifference to an extremely abysmal situation. This push towards binding arbitration by the bank is not a one size fits all approach and should not be handled as such. I believe my situation far exceeds the normal contractor/client dispute. I was supposed to move into my home in XX/XX/XXXX and due to this mess have been unable. I 've done everything asked of me by all parties ( i.e. HUD, XXXX XXXX and M & T Bank ) throughout this mess and have n't defaulted on my obligation to pay the mortgage on a home I have no idea when I will be able to move into.
I believe throughout this process the contractor has enjoyed more protection than I have ( the consumer ) and being forced to arbitrate with this contractor affirms that. When in point of fact this contractor owes me money.
The only recourse I seemingly have is to legally pursue this contractor outside of arbitration. This whole situation is wrong and there is no one advocating my rights and I have been grievously wronged.
I need help and implore you sound the alarm on this situation bringing my story and others like it to the forefront. After speaking to others with similarly terrible experiences I believe the XXXX HUD program is a breeding ground for predators seeking to defraud consumers. I know buying a home can be a difficult and arduous process, however, I never expected to be taken advantage of by people who were supposed to help me.
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| 10/07/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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XX/XX/XXXX, I had gone out of work on XXXX with a pending claim for compensation thru work. When I was preparing to return to work in XX/XX/XXXX, I was notified my claim was denied and also that I lost my job. I immediately filed for Unemployment and submitted a request to appeal the claim decision. I only received unemployment. When the change in medical insurance, I went from paying $ XXXX/qtr for XXXX to $ XXXX/qtr for XXXX. With my 401k and unemployment we treaded water but slowly fell behind. We are currently 2 payments behind on the mortgage and since I work in Default/Loss Mit went to the lender website to see how to submit for loss mit. I completed around XX/XX/XXXX and after 5 attempts a submission for assistance on their website and a prompt stated I would hear something in approx. 3 business days. I never heard anything from M & T so around XX/XX/XXXX or XX/XX/XXXX I called and was advised that I need to fill out a package and submit. He never addressed what went on with the website. He also stated that I needed to include my account number AND PROVIDED IT OVER THE PHONE!! I went to the HUD website and was told I could fill out a MHA package to submit as I had a FHA loan and wanted to get the ball rolling to avoid more late fees and interest accumulation. On XX/XX/XXXX, I sent an encrypted email to protect my personal information containing the financial package and several docs. I had received the banks package so some of the additional pages that theirs contained I signed and emailed with the MHA package. XX/XX/XXXX after not receiving a read receipt, I email to follow up and confirm they received everything. On XX/XX/XXXX, I received a 13 sec vm to call back. XX/XX/XXXX I called and lvm and advised they could leave detailed messages or send a detailed email. XX/XX/XXXX another follow up. XX/XX/XXXX a 17 sec vm to return call with no information provided. I decided to fax the package I sent to them on XX/XX/XXXX and after several calls to follow up and short generic vm from them telling me to call, I received the missing items letter. XXXX I emailed advising I was sending the documents in a minute or two encrypted, they need to create a password and if the 2nd email was not received to check junk mail as it was coming from XXXX XXXX email encryption site. and then sent the missing items in another email. I keep following up and they left the same emails. My emails and messages explained they I now commute for work leaving approximately XXXX and return at approximately XXXX which all but matches their hours and to leave details on vm or email. On XX/XX/XXXX after no information, I emailed them verbiage from the servicing guide about communicating with borrowers and advised this was a qualified written complaint. ON XX/XX/XXXX, I received what I feel to be a smug and rude response from the bank stating I should have submitted the QWR to a specific mailing address which was in a statement 16 months ago ( when I was on leave and extremely medicated. I do not have much recollection of this timeframe ) and for privacy issues I must call which I can not do as I am a SPOC and analyst and not permitted. So they can not say they can not accept encrypted emails but they can provide my account # over the phone? I have since faxed the missing items last week and have not received anything in the mail and only vm to return call. My husband went to make the mort payment today which had a few extra dollars toward the arrears and the account was blocked and we were advised we need to speak with XXXX XXXX our SPOC. How can a payment block be put on when no in foreclosure. Last month the branch was able to put the payment thru and now we can not. So I will incur MORE FEES as inspections of the property started and late charges. My new job is the same as theirs My hours are the same and they refuse to communicate with us unless we call1
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| 12/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I would like to share with you my unfortunate experience that I had with M & T mortgage bank. I was mislead, given incorrect information, charged fees on top off fees and treated like a delinquent. I documented this whole experience.
I got my mortgage with Hudson City savings bank in XX/XX/XXXX, my payment was XXXX, I never missed a payment.
In XX/XX/XXXX M & T bank took over the mortgage, without any notification my payment went from XXXX to XXXX. I didnt know, so I continued making my usual payment of XXXX. In XXXX a received a check from M & T bank for XXXX and a letter saying that i was going into foreclosure.
Surprised I called the bank, they then informed me that my payment had changed due to an escrow account that was opened on my behalf to pay my taxes ( without authorization ) and therefore my payment had changed.I informed the bank in writing that I did not want the bank to pay any taxes and that I wanted the escrow account closed. Their answer was that this was not possible and that everything is going to stay as it is and that if i did not pay the new payment amount plus fees, plus the missing payments I would be foreclosed. Distraught, as I had been making payments every month, I asked the M & T for help. The Bank had me fill out some forms for a modification and for them to disburse the back taxes over the course of 60 months.
The bank then did a new escrow analysis and brought the payment down to XXXX, I started making payments for the new ammount. during all of this the bank misappropriated money and paid it to directly to principal, no matter how much i paid, XXXX sometimes more than XXXX payment a month XXXX the bank always seemed to have a way of to keeping my account in foreclosure, and collected fees, on top of fees.
Throughout they sent me statement that made no sense sometimes XXXX statements a month. These statement were undecipherable they still can not explain them, they are attached. Aditionaly somehow my mortgage principal went up where - i owed more money on principal from month to month, Im still not sure how that is even possible or legal. On the phone the agents would give me wrong information, " one would say this is how much you owe '' and the next agent would give a totally different number as to what was owed. According to a letter received on XX/XX/XXXX that states that I owe on the account XXXX, and a phone conversation with a customer service representative that there are misappropriated funds of XXXX. I made XX/XX/XXXX 's payment of XXXX that should bring me to paid in full. - the breakdown being XXXX owed + XXXX for XX/XX/XXXX minus XXXX misappropriated funds. I called in to confirm with a customer service representative, I was informed that the funds were not credited to the account rather they were placed in suspense ; The agent also confirmed that if they were to be applied that it would bring me current, however I just received in the mail XXXX statements, XXXX dated XX/XX/XXXX states that i owe XXXX, XXXX dated XX/XX/XXXX states that i owe XXXX. Its starting to feel like a sick game. According to my math I should be all paid up.
Throughout my experience I was transferred in circles, hung up on, mislead and over all treated like garbage, I even hired someone to try and help me deal with the bank hoping that he could get better and results, he too was mistreated.
It is out right inappropriate for a financial institution to treat an individual like that, particularly XXXX who has never missed a payment.
I would like all of the fees on my account to be waved, an apology from the bank, and some sort of compensation for the XXXX they put me through for the past 4 months.The bank abused it power as a lender, it look advantage of me & my legal knowledge and did everything in its power to take fees, make more money, mistreat me, regardless that it will profit over XXXX on the loan
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| 05/19/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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M & T Bank refuses to investigate more than fifteen unauthorized withdrawals from my account. As a result, M & T Bank was unable to supply an explanation of its findings. After three requests, M & T Bank disregarded my request for the documents they relied on to decide. Also, M & T Bank must still meet its burden of proof that no error occurred. M & T Banks investigation was perfunctory and deficient. On Monday, XX/XX/2023, I discovered unauthorized ATM transactions posted in my checking account. As a result, more than {$6200.00} of my Federal Student Aid was missing. That evening I called the bank to report the error. XXXX, an M & T Bank associate, recorded the details. He told me an investigative team member would contact me within three days. Meanwhile, M & T Bank would issue provisional credit. Receiving no response by Friday, I called M & T Bank for an update. XXXX, an M & T Specialist/Supervisor, said M & T Bank denied the claim. The reason for the denial was not apparent because the file had no notes. However, after reviewing the file, he quickly uncovered the error. When entering the original complaint, XXXX correctly described my debit card as lost/stolen. However, mistakenly, he indicated that the debit card was still in my possession. M & T Bank used this incorrect information to deny my claim without investigating. XXXX sent an email to the decision maker explaining the error and requesting reconsideration of the claim to no avail. Eight days have passed, XX/XX/2023, and I am elated to find an M & T Bank envelope in the mailbox addressed to me. Enclosed is a memo. The memos date is XX/XX/2023, the exact date I called and learned the claim was denied. We are denying your claim, the memo reads. I re-read it three times, searching for what I missed. There is no explanation for the investigators decision. Desperate for relief, I made over twenty calls, exceeded five hundred minutes talking, and spoke with every specialist in the M & T Fraud department. Finally, I filled out an Additional Information Form. Once completed, I met with M & T Bank Assistant Vice President XXXX XXXX at his branch. XXXX faxed the form to the fraud department and phoned to confirm receipt. Encouraged that a resolution is near, I reached out to M & T Bank on Monday, XX/XX/2023. XXXX XXXX records my request for the documents upon which M & T Bank relied in making their determination ( 12 CFR 1005.11 ( d ) ). A week later, no documents. I called M & T Bank and learned the case was reopened. The date was Tuesday, XX/XX/2023. The next day I called, and XXXX XXXX, an M & T Specialist, crippled me with the truth.
There was no investigation, XXXX told me. You have yet to receive documentary evidence because there is none. The only two documents in your file are the memo dated XX/XX/2023, and the Additional Information form you completed. XXXX explained that the recent increase in fraud claims has made it impossible to investigate them all. In response, transactions performed with a personal identification number entered, debit card present, and the security chip read are considered authorized by the debit card owner. Customers typically call to withdraw the claim. For this reason, we do not investigate these cases. These are the facts we saw with your claim. For M & T Bank to continue with an investigation, you will need a police report. She insisted it was company policy. I asked XXXX to flag, for review, the audio recording of our conversation. This unlawful situation has caused me to miss this college semester. It has cost me countless hours of phone time. It is distressful to remember how hopeful I was when I thought the resolution was near. I am a victim of debit card fraud and seeking full restitution. Also, I am a victim of the fraud M & T Bank described as an investigation that never existed. For this, I am seeking full reimbursement.
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| 07/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Due to medical bills steming from XXXX surgeries we became dilinquent on our mortgage. We have a mortgage with M & T bank. Once the account became dilinquent it was outsourced to XXXX XXXX XXXX. They offered us a loan modification to help with our loan status, lower our percentage rate and monthly payment. We decided to accept the offer rather than try to catch up the mortgage as I was facing more surgery and would incur more expenses. The agreement was to complete the trial period of the loan modification by making XXXX consistent and timely payments. Once that was satisfied I would receive the approved modification documents to be completed and returned by a certain date. In speaking with XXXX XXXX XXXX ( XXXX XXXX ), I was told that once the paperwork was submitted I would start to send my payments to M & T bank again. I sent a check for the first payment after approval and full execution of the modification. M & T Bank received and cashed the first check after the MOD approval. This month we attempted to make our monthly payment via M & T Bank 's online banking. The option or functionality was not available as if I had not made any payments. When I contacted customer service I was told that our mortgage was still in loss mitigation and this is why the option had not been restored to enable us to pay online. I was given a customer service number for further questions. However, when I called the M & T CSR phone number my call was redirected back to XXXX XXXX XXXX. I explained everything to XXXX XXXX a service rep at XXXX. He responded that this was correct, we were still in loss mitigation due to additional fees that had not been paid. There were XXXX inspection fees that we were unaware of. Out of all the time that I corresponded with XXXX and M & T, not once were we informed that there were any outstanding fees. When I told XXXX that we we were not notified, he responded, " I know, I am so sorry. '' I told him that we did everything we were instructed to do to get our mortgage and credit back on track only to learn a month later that we were still considered a month late because of the {$56.00} in inspection fees. This is non-disclosure. No one explained what was inspected and we were never notified of any additional fees. He stated that everything is resolved as I went on and paid the mortgage amount with the additional {$56.00}. I contacted M & T Bank to confirm that this takes care of everything and ask how soon payment would be applied they stated that I would need to contact XXXX since I made the payment to them. We made the payment to them because we were instructed to do so when the call was redirected. I called in to pay M & T not XXXX. How can they back door us with additional fees? We are concern that there will be more. I was told after the first check we sent that we would be current and able to process payments online. Now we are being told that after the second payment everything should be back on track. How do we know that more fees will not be added and this continue to happen for us. They should not be able to continue to keep our account in Loss Mitigation XXXX more months after we fullfilled all criteria for the loan modification and started resuming payments to M & T Bank. We even received confirmation of the completed loan modification that stated that we do n't need to do anything further. Why would M & T accept the XXXX payment by mail and then return us to default and for fees we were unaware of? what would have happened if I did not inquire about not being able to make our payments online? How long would they have allowed us to stay in loss mitigation over {$56.00}. I would have taken care of this with the first payment had we known. We paid because I want everything current but we still do not understand how they can continue to add fees or inspections without our knowledge.
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| 10/24/2023 |
Yes |
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
Servicemember |
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I was negatively impacted financially during XXXX and was unable to keep up with payments on my XXXX XXXX XXXXXXXX M & T Bank. I explained the situation to them and they were able to put me into the government forbearance program to help me through this. I was working as a realtor at that time and most of my income derived from property management fees. Due to XXXX many tenants were able to apply to defer their rent payments which meant that I did not get paid. I am filing this complaint because the bank is refusing to work with me or help me since my forbearance ended. I have been unable to get any type of help to deal with the deferred payments from the forbearance and M & T has taken action to put me into foreclosure. I then filed bankruptcy to protect my home and my family and begin repaying the past due payments. However, the bankruptcy is being dismissed and I need them to work with me and I believe there are VA programs available to help me fix this, but their agents are denying access to these options.
I have lived in my home with my wife and adult son since XXXX and purchased in XXXX. I served on a submarine in the XXXX for 4 years and have been classified as partially XXXX due to conditions related to my service. I never had an issue making the mortgage payment until XXXX hit our state in spring XXXX. As explained I was a realtor at the time and most of my business came through property management but shortly after XXXX started many tenants could not pay rent and they were granted government protection to stay in their home and not pay rent which was great for them, but destroying my business. In XXXX I contacted M & T and was put on a forbearance plan XXXX months. Before the plan expired their agents told me to apply for a loan modification to address the past due payments. I got approved and my payment went up a XXXX XXXX dollars and they gave me a first payment date in two weeks. I had just started a new job and due to Covid hardship I had absolutely NO resources and did not have the $ $ for the first payment on the due date. I called in to speak with M & T agents to request making the first payment 5 days late, because I had no way of getting that type of money together until I got my first check. I was told that the underwriter would consider this revised due date, but never heard back from anyone and when I called in to make the first payment 5 days late I was told that the modification was no longer available and that the only XXXX M & T would accept was full reinstatement of all past due amounts.
After being kicked out of first modification, I applied again and this time it was denied and I never found out why. I was approved XXXX XXXX earlier and my financial information was the same. It was fluke error that the payment on the first modification was not made on time and I informed them and asked for an extra 5 days. XXXX M & T Bank turned its back on me and since I could not get any assistance from them I filed XXXX XXXX bankruptcy.
I have made bankruptcy payments of {$1500.00} from XXXX through XXXX of XXXX. This covers the mortgage loan payment and the arrearages. The mortgage statements that I have received from M & T do not appear to accurately reflect the money that has been paid through bankruptcy and I want to see an accounting ledger to document all funds collected by M & T and the application of these funds.
Since the bankruptcy is dismissed I am fearful that they will quickly move forward and re-start the foreclosure process on my home.
Since the last review for modification in XXXX there has been a change in financial circumstances. I now work in product shipping and receiving logistics and my income is steady. Additionally my adult son who lives with us works full time at a steel plant in fabrication and manufacturing. He is helping us out with the bills.
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| 10/16/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Dear Director XXXX, Re : Denial of due process I am a XXXX XXXX homeowner for 18 years who was penalized by M & T Bank in denial letter dated XXXX XXXX, XXXX of a workout agreement. On XXXX XXXX, XXXX I lost my job and was having difficulty making the payments to the trustee for my bankruptcy. I was later dismissed and defaulted, so I filed for a workout agreement afforded to me based on my FHA loan program. I worked with XXXX and the representative did not make it clear that my debt to ratio would be a problem - so I was denied on XXXX XXXX, XXXX. XXXX, XXXX and XXXX had filed in XXXX and were waiting to pounce on my house to sell it. So, I kept close communication with M & T representatives and they informed me that I could send in my information for my son who agreed to move back home from California and contribute to the household income. I started working in mid XXXX and was told that it would be part time ( 7 hours daily ) but my hours would increase to 140 hours and I would be paid monthly. I provided that information and my son 's 3 months of Profit and Loss which clearly was more than enough. I was notified that the attorneys had scheduled my house for sale on XXXX/XXXX/XXXX but if I turned in my package and it was a complete one, they would remove it from the auction list as it would be in the underwriters department for review. On Wednesday, XXXX XXXX, XXXX I submitted a letter of employment verification and was told that the person hiring me needed to have a letterhead. ( The person who offered me a personal assistant is the XXXX XXXX for the XXXX. ) I tried to explain that I was not working directly for the XXXX - so after M & T representative insisted that iw would not be adequate, so I was forced to accept another position with a placement organization for less money ; and a letter was sent in to the M & T office on Thursday morning, XXXX XXXX, XXXX stating I would be starting employment on Monday, XXXX XXXX, XXXX. I went to the HR office to complete my paperwork and returned late that evening to find several missed calls from a XXXX number I did not recognize. There was no name of the caller either. The next morning at approximately XXXX the same call came through and when I answered it XXXX XXXX introduced himself as a rep of M & T bank and he immediately after verifying who I was, proceeded to inform me that I had submitted information of a job that I had started in XXXX and they denied me in XXXX and now I was starting another job on XXXX/XXXX/XXXX. I told him I was looking for the best opportunity with pay that was significantly hire and when hey would not accept the other job I accepted another He became combative and rude and yelled -that I did not have a consistent job for the last 12 months, I corrected him and said I lost my job in XXXX XXXX and I had worked there since XXXX XXXX. His tone was abrasive throughout and when I asked him if he would deny me due process - he said yes. I told him that I would have my attorney contact him to clarify what he just told me. He then yelled who is your attorney? I said XXXX XXXX, he snapped she is NOT your atty she is with the XXXX office- I said she is advocating for me. He was furious and said " your house is not coming of the sale list '' and hung up. I typed up a motion to stay and hurried to the circuit court for an emergency hearing. Next morning at XXXX XXXX/XXXX/XXXX M & T rep called to say that they had received a complete workout package and it had been uploaded the night before and sent to Underwriters. I asked about the timing sensitivity and whether I would be off the sale list now- he said it was not automatic, but they would have it pretty early on Tuesday XXXX before the scheduled sale @ XXXX. On Tuesday am I called to confirm that my package was still in underwriting. I then witnessed the sale proceed at XXXX
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| 08/05/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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This is a formal complaint against and request for investigation into M & T Bank and its employee XXXX XXXX, Assistant Vice President and Branch Manager located at Route XXXX, XXXX XXXX XXXX, XXXX New Jersey XXXX Telephone number ( XXXX ) XXXX, email address XXXXXXXXXXXX. Two weeks ago I entered the above referenced M & T Bank branch with my mother, who I am visiting with/staying with for the summer, in order to open up a brand new business account for my XXXX, XXXX XXXX XXXX XXXX. The first individual who we consulted with was a young man who confessed that he had no idea how to open up a business account, and could not explain the different types of business bank accounts they offered, so he made a phonecall and stated that their " resident business banking expert '' who was apparently " out to lunch '' would assist me as she was apparently " more knowledgeable '' and could answer any and all of my questions. When this woman XXXX XXXX finally made her entrance, she proceeded to wave us over to her desk, where she proceed to, in a very aggressive fashion, grab towards the envelopes sitting on the desk near me, containing my entire savings, {$9200.00} in cash, while I mildly protested, stating that I had many questions before we proceeded any further in opening up a business bank account. We briefly discussed the different choices of bank accounts for business, and settled on a certain type of bank account. While entering all of our data, and collecting all of my documents including incorporation documents, my drivers license, XXXX, tax return documents, and other papers I had come prepared with, she kept making typographical and data entry mistakes, and eventually had to call over her " assistant '' to help her with the creation of my account. She kept stating over and over that this " was only her second business account '' that she had ever done, apologizing profusely, leaving both me and my mother extremely uneasy and nervous, and we constantly looked over at each other because this was kind of like watching brain surgery with a doctor who was reading an instruction manual. After nearly 2 hours of watching this incompetent woman and her assistant constantly fumble, correct, re-enter, and edit our data and information, she finally produced our welcome packet, replete with 2 blank checks. She had also ordered my business law firm checks and we picked out the type of checks, and also the ATM debit bank card as well. When I asked her for a temporary debit card so that I could pay my bills, she stated I would receive it within 3 business days at my law office location. I stated to her that this was strange but accepted, since all major XXXX banks that I am accustomed to will print out and provide a temporary ATM Card at account creation, but I let this issue go, as 3 days would not be fatal to paying my bills. She then again GRABBED my cash on the desk and gave me a a receipt for {$9200.00}. The next business day, on a Monday, I received a cryptic call from XXXX XXXX telling me that I would not receive a debit ATM Card, or my ordered ( and paid for checks ) because she made a mistake and the bank would require an " office visit '' before they could do so. I politely protested, and asked her why she did not tell me any of this before she opened my account, and aggressively took my money. She indicated in a very XXXX, XXXX, unfeeling, and discompassionate manner, that she was " sorry '' but really could not care less about the predicament that she placed me in. I could have opened up another bank account at a different bank with someone who actually knew what they were doing, and could answer my questions, but XXXX XXXX deprived me of this freedom of choice by her aggressive money grabbing behavior and mentality, and deceptive behavior, when I had opened up the account. See attached.
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| 08/20/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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M & T Bank Recovery Department XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX M & T Banks Recovery Department - Criminal Debt Collectors and Fraudulent Reporting Bandits That Are Purposefully Ruining My Credit as a way to harass me and bully me in regards to a charged off closed home equity account in which settlement payments have been consistently paid on time.
M & T Representatives : XXXX XXXX, XXXX XXXX ( XXXX/XXXX/16 @ XXXX ), XXXX XXXX XXXX and XXXX XXXX For the past two years M & T Bank has relentlessly and illegally harassed and bullied me in regards to a home equity loan repayment settlement that it contractually agreed to that I have consistently paid on time.
How does M & T Bank Harass Me?
1 ) They consistently report known erroneous late payment information to the XXXX major credit bureaus that damages my credit profile and costs me a lot of money due to high interest rates due to low scores and the valuable time it takes me to consistently contest the erroneous information.
As a condition to my short sale, M & T agreed to forgive my original loan balance which it had already closed and charged off, for a smaller settlement amount to be repaid over 5 years. After the agreement was signed by both myself and M & T Bank and I begin to make the agreed upon timely payments they began to report to the XXXX credit bureaus that I was paying late on the charged off account on a monthly balance. And refused to show or report the agreed upon settlement balance.
For two years I have contacted M & T to cease reporting the incorrect data and to update the correct information with the XXXX credit bureaus. M & T refused to update the settlement balance and to stop reporting the charged off closed account as late monthly.
When I called customer service numerous times to inquire about its behavior, I simply asked the following questions - " why are you reporting my on time settlement payments as late? Why are you reporting the closed charged off original loan as late, if the settlement replaced it? They replied because you are still paying off the original balance of the closed and charged off account. We will continue to report the charged off and closed original balance as late until the new settlement balance in paid in full. I said this is not what you contractually agreed to. M & T reported it was unaware of the agreement made on its behalf by XXXX XXXX and XXXX XXXX and to send them a copy of the agreement. I forwarded them a copy of the signed agreement which is further supported by emails from M & T to me offering the agreement and they did not reply to my proof of agreement submission. When I called back again they reported they would continue to report it as late. On XXXX XXXX, 2016 I asked to speak with their credit reporting department and they reported they do not have such a department and that they only report to the bureau once the account is paid in full. I challenged this statement by asking then whom or what M & T department in reporting the erroneous information monthly to the credit bureaus and the representative replied " I am not going to argue with you '' and that it is what it is. I said this unfair debt collecting practices.
Note the customer service reps tone during these conversations are always disrespectful, unhelpful, and deceitful. They double talk and contradict themselves to confuse you. And then when you call them out on the antics they reply " I will not argue with you '' and start to be belligerent and antagonistic and bullying.
And I have contacted all XXXX major credit reporting agencies and they failed to hold M & T accountable by compelling them to evidence support the erroneous reporting.
Please assist me Consumer Protection Bureau with stopping these illegal acts by M & T Bank that is ruining my credit and costing me time and money.
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| 07/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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As your office is aware, I am being sued by Wilmington Trust as Beneficiary for the XXXX XXXX XXXX Trust. HoweverXXXX XXXX does not allow for a Trustee to be a beneficiary and that is just the tip of the iceberg. Under XXXX XXXX XXXX XXXX Trust has specific criteria that must be met when a loan is sold into a particular trust. In this case, the alleged trust that the party claims my loan is tied to is in fact a XXXX Trust. It is the XXXX Trust. XXXX XXXX XXXX : XXXX XXXX XXXX and XXXX XXXX. Matter of fact, XXXX XXXX XXXX informed me over the phone in New York that they are now what XXXX XXXX use to be. Hearsay or not, that was the conversation from their trust department on a recorded line. Therefore, can you please have Wilmington Trust XXXX NOT M & T BANK, who continues to answer on behalf of the XXXX, WT in this case ) respond on whether or not they signed the XXXX XXXX Settlement agreement in which XXXX was given a XXXX XXXX DOLLAR NON RECOURSE LOAN and various trustees were settled with by and through acceptance as an accepting trustee? It appears that XXXX is settling with themselves! ~ HMMM! Interesting and all at the tax payers expense. REMEMBER THE BAIL OUT in which most homeowners received a whopping {$300.00} for all the fraud by and through their mortgage contracts, just so it could all go back into the economy. There has been no real settlements for the homeowners, only the big banks and their friends and families and buddy entities. Just look at their profits. The attorney firm negotiating this settlement had negotiations for the homeowner to the tune of {$4.00} XXXX dollars in relief for issues that had occurred through deceptive and fraudulent actions, none of which I have recognized, as I have been targeted and biased against because I sued XXXX XXXX, which is my opinion, which I believe to be absolutely true. It is evident that they despise me and vice versa. Since it has recently been brought to my attention in the state XXXX that there has been a particular deal made by and through XXXX XXXX with a homeowner in this state that has received a $ XXXX reduction on their loan and 2.5 % interest rate and if they default in the next THREE YEARS, all will go back to past status, which the $ XXXX deal will be off. ( ALL BETS OFF ). Funny, why three years? Could it be because that is when the NEXT huge catastrophe will happen and in the meantime the bank XXXX XXXX XXXX can profit through hedging/betting against their own deal? How great it would be to bring this sort of proof to the court, which may or may not happen at this point in time. To be determined still. So for clarity I am asking that Wilmington Trust state whether or not they accepted the XXXX Settlement Agreement by and through XXXX. Also, has the loan been pledged to the federal government? RE : CONSUMER RELIEF : Under the Consumer Relief Settlement XXXX is required to provide {$4.00} XXXX of Consumer Relief to distressed borrowers within essentially a 4-year period, commencing XXXX XXXX, XXXX and ending XXXX XXXX, XXXX. It is only XXXX XXXX, XXXX and there is no doubt that wrong doing and deception and huge misrepresentations were proffered upon me and my family. Afterall, just look at XXXX with relation to my loan for starters. That is just the beginning. Did XXXX XXXX sell my loan in XXXX to one of the biggest portfolio buyers XXXX who just disappeared. They disappear with the money now do n't they? Although this complaint is geared toward the Plaintiff at this time, XXXX XXXX is the absolute deceiver here and they are simply using Wilmington Trust name to steal the property after they already sold it and got paid. They do this after the fact by and through corrective deeds. Afterall, why would a corrective deed be necessary if all was truthful and forthright at time of foreclosure?
|
| 08/20/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The customer service for M & T bank is not forthcoming with correct or full information. We were offered the pay XXXX options which we decided to take and set up our checking accout to pay half of our mortgage ever 2 weeks. our XXXX payment was sent but they posted it completely to principal. once our XXXX payment was made it was then held and questioned as to where the rest of our monthly pymt was. so another rep called us and ask and i explained we made XXXX pymt 2 weeks prior. they saw pymt but stated they dont do biweekly pymts once i explained that previous rep told me they do they stated no you have to use a company to do a bi-saver program. we had already used a company before and asked if we could use them but they stated no we had to use M & T only. was told fee was {$170.00} and they would start the drafts. so we paid and then when no pymt was removed from our account we called them. they stated fee was {$330.00} and we needed to pay rest before they could start. again i told them that was not what was told but they stated nothing they could do. so i stated then give me my money back and they said they couldnt do that either. so of course we paid the remaining balance to start the bi saver progam just to find out it was out sourced and that we could have used our original company and not had to pay addition fees. that was just XXXX issue with them. Each time we speak to a rep we get different information from XXXX rep to another. we got to a point where we only ask for supervisors ( which really isnt any better ) if we need to speak to them. we also had issue with the ach withdraw from them. they stated they tried to pull money from our bank and our bank had a hold on their name and wouldnt release funds to them. they refused to take ach pymt or check from our bank until the " block '' was removed. spoke to our bank and there was no such hold. even had our rep from our bank ask to have a XXXX way conversation with them to find out what was issue and M & T would not get on phone with my bank. they wanted something in writing from my bank before they would use them. there was nothing our bank could do. we waited 2 weeks and i paid a direct pymt from my bank to m & t and they accepted pymt. when i called them and asked what changed they stated our bank must have done something which was not true it was m & t that removed the block to get my pymt when they called late and passed 30 days which now has affected our credit rating. even when i contacted them stating i dont want to be dinged on our credit report for whatever clitch they had they stated it was not reported. no today we have pulled our credit report and it was indeed reported in XXXX 2015. i just got off the phone with a " supervisor '' who stated sorry there is nothing we can do your pymt was late. i went over everything, every little issue with her and still they refuse to do anything for their miscommunication, misguided information and misrepresentation their company has given us since day XXXX of buying our mortgage. which of course now we would have never ... .never used them. Now more then ever we would love to refinance and leave them but cant due to the ding they gave us in XXXX. i dont feel this company should handle mortgages to anyone. we are middle class hard working people who rely on companies to tell us everything we need to know in order to make good financial decisions and M & T is not XXXX of those companies. the only saving grace i have right now is that we have the bi saver program now so i dont have to deal with m & t representatives. as soon as we can get our score back to where it needs to be to refinance our home we will just to leave m & t bank. most people refinance for other reasons, ours will be just to not allow M & T bank to benefit from us every again.
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| 03/25/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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Web |
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The lender/servicer ... XXXX XXXX has indicated that the SOLE PLAINTIFF, Wilmington Trust is the beneficiary/investor of loan # XXXX related to the property XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. Counsel for the Sole Plaintiff, XXXX XXXX for XXXX XXXX XXXX XXXX who has filed the complaint against me in the JUDICIAL foreclosure case in Washington State CASE # XXXX has stated in her complaint that her client, Wilmington Trust for the XXXX XXXX XXXX Trust is the HOLDER of the NOTE! The Plaintiff has indicated through responses from their subsidiary, M & T Bank, that Wilmington Trust is acting in a Trustee Capacity ONLY! Please check your past records to review this very important letter from M & T Bank. They have further stated that all questions should be directed to XXXX XXXX, ( WHO IS NOT A PARTY TO THIS LAWSUIT ). MY COMPLAINT THROUGH YOUR OFFICE TODAY IS NOT AGAINST XXXX XXXX BUT SOLELY AGAINST WILMINGTON TRUST, the sole Plaintiff in the case. M & Ts past letter to your office indicates that the loan servicer is best equipped to answer questions. I expect the answers to my questions in this matter to come direct from the Plaintiff, Wilmington Trust, NOT XXXX XXXX. For I am not in a lawsuit with XXXX XXXX at this time and can not rely on a darn thing this entity proclaims through their XXXX XXXX. I would like to know the following from Plaintiff, Wilmington Trust. I ask this of Wilmington Trust because they are suing me and because they are just the ACCEPTING TRUSTEE FOR THE NEW RMBS SETTLEMENT AGT. For {$4.00} XXXX Dollars, in which the XXXX XXXX XXXX Trust appears to be a part of. I also ask this of WT, because the servicer, XXXX XXXX already attempted much deception along with HUGE misrepresentation in XXXX when they attempted a fraudulent and illegal foreclosure action using XXXX as the Beneficiary by and through fabricated documents ( assignments ) and fraudulent affidavits/declarations/ by XXXX different employees of XXXX XXXX that both had VP titles. Their names are XXXX XXXX and XXXX XXXX. ( Both Robo signors who claimed that XXXX was the XXXX ). The Non Judicial XXXX County Foreclosure Case # XXXX resulted in both XXXX and XXXX XXXX admitting on XX/XX/XXXX that XXXX has never owned my loan or been the beneficiary. This is also written in verbatim reports to the court.
1 ) Exactly WHAT DATE and HOW Did Wilmington Trust acquire the note that was discharged in Ch-XXXX BK in XX/XX/XXXX that was allegedly sold into the XXXX XXXX XXXX Trust? IF WT is truly the holder of the note as their attorney XXXX XXXX for XXXX XXXX claims they are, then they should have no problem answering this question and back it up with proof. BUT NOT WITH recreated documents and various newly created POA and the like2 ) If WT is the HOLDER OF THE ALLEGED WET SIGNED NOTE, then perhaps they will put that in writing to you and issue me a valid NOD to match! There is a reason why they avoid this so they do n't have to go to XXXX. Did XXXX XXXX release the note within the trust OR was it never really sold into the trust? Please provide proof that the loan is in the pool specified within the trust. Please advise whether this loan was ever tied to the XXXX XXXX XXXX Trust with a XXXX filed on that trust.
3 ) It is essential to me, the legal owner of record and homeowner for 15 years with significant investment learn the truth. For I have already been taken down the fraudulent path of deception by WF, the servicer. Instead, they affected every possible chance of getting a legal modification and proper mediation under the Wa State Foreclosure Statute, while other homeowners have these opportunities. I refuse to lose my home to entities attempting to steal our family home for the sake of unjust enrichment. The Huge Fraud of Big BANK XXXX XXXX Business IS NOT MY DOING!!!
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| 04/11/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
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Web |
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Good morning. I would like to file a complaint against M and T bank, specifically the dispute department, as I strongly feel that they did not take my dispute against a transaction I made back in XX/XX/XXXX very seriously, or do what they could to protect my funds. The problem first occurred when I purchased XXXX tickets for a XXXX through a company called XXXX. I purchased the tickets through them because of the seating and sections they had available, as we had a large number of children going and we needed to sit together. Once I purchased the tickets I got an email with the tickets sections moved all over the place ( not in the sections I ordered ). The company would n't let me have a refund ( {$850.00} ) for the tickets so I filed a dispute with M and T bank ( my bank ). The tickets were purchased on XX/XX/XXXX and the dispute was filed the same day. XXXX claims that they hold the right to move sections around or upgrade them if needed, which I did find that it does state that about XXXX paragraphs down in the fine print. However, that is no longer what my dispute with them is about. While waiting for the results of the dispute the date of the XXXX show arrived and we were faced with making the choice of not going to the show and risking losing the dispute/money spent on the tickets AND missing the show, or just dealing with the seating arrangements and still going to the show and forgetting the dispute. Not wanting to upset of bunch of little girls, we decided to just go to the show and deal with the seating changes. However, once we got to the show we found out that the tickets we purchased were invalid and we could n't get in with them. I also found out that the seats had been sold to someone else. I have a representative from the venue that can back up my complaint and was willing to verify all of this with the bank to help me win my dispute. So now XXXX is no only getting my money for the tickets, but also someone else 's who was actually able to use the tickets they bought. I do n't understand how M and T can find it fair that XXXX knew they made the tickets invalid, yet never told me that, and knew they were n't going to work once the show arrived, yet still feel that they are entitled to my money. If the tickets were n't going to work during the time of the show then I should have been guaranteed my money back, especially if they got the money from a third party. Also, a friend of mine who was going to go to the show with us filed the SAME dispute on the SAME day for the SAME reason because of the seating changes and her bank got her all her money back. I can provide a letter from her bank verifying this. So my question is why was XXXX willing to give her all of her money back but not me when the case and dispute are exactly the same? I feel that I provided M and T bank with very strong evidence to support my dispute but they did little with it. I provided them with a letter explaining the whole situation, the tickets with the word " invalid '' written on each one followed by the date and initials of the representative at the venue, the business card of the representative so he could be contacted, and I have an email from XXXX stating that they made the tickets invalid prior to the show. The problem with the dispute department at M and T is that they ca n't be contacted for any reason. You can only fax information to them, which made it hard. I am hoping that you can help me get my money back, and soon. I received a letter YESTERDAY that I lost the case and that they will be taking my {$850.00} out of my account TOMORROW. I do n't think this is fair and truly can not afford to spend that kind of money on a XXXX show. I am happy to provide you with any information you need to help win this and keep my money in my account.
|
| 10/13/2016 |
Yes |
|
- Application, originator, mortgage broker
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|
Web |
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This is a complaint against M & T for questionably unethical practices, untimely processing of the mortgage loan, and conflicting information presented to writer/ XXXX XXXX XXXX by XXXX XXXX ( loan officer/XXXX ID # : XXXX, assigned to work with writer ) and those involved in processing the mortgage loan for XXXX XXXX XXXX XXXX.
On XXXX/XXXX/16 I was approved by M & T for more house, at a larger loan amount ( {$350000.00} ), with less rental income then XXXX XXXX XXXX XXXX XXXX XXXX XXXX processed that loan ). Yet, per report from XXXX XXXX, underwriting needed to see rental income high enough for me to be approved for XXXX XXXX XXXX XXXX. This is contradictory. From the chart below you can see, a summary of the previous property that I was approved to purchase XXXX XXXX XXXX XXXX ) vs. the current property ( XXXX XXXX XXXX XXXX XXXX. As noted above, the previous property had rental income that was lower then XXXX XXXX XXXX XXXX and the property required a higher loan, yet I was still approved, for the previous property XXXX XXXX XXXX XXXX XXXX. So it is unclear why this current loan would be rejected, if it is : less house, lower purchase price, more rental income, with a/my similar credit profile. ( The closing disclosure can be provided as proof, for approval of loan for XXXX XXXX XXXX ).
Chart : XXXX XXXX Place Loan approved : {$350000.00} Rental Income : {$3700.00} Multi- family : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX review : {$310000.00} Rental income : {$4000.00} Multi-family XXXX unit : XXXX units ( XXXX storage space/room, XXXX no bathroom or kitchen ) If the seller would have agreed to sign the closing documents on the day of closing XXXX/XXXX/16, for XXXX XXXX XXXX the deal would have gone through for the previous property.
Furthermore, I warned XXXX about the FHA guidelines which now counts school loan repayments, despite being in forbearance for more than 1 year. I mentioned to XXXX ( before signing the contract ) I 'm concerned that the M & T loan for XXXX XXXX XXXX XXXX would n't work, due to my DTI ( debt to income ratio ) and school loan payments being included. He expressed that if the required loan documents were submitted before the FHA guidelines changed ( before XXXX/XXXX/16 ), then I could be evaluated based on the old FHA guidelines, which would lead to favorable outcomes for this loan approval. This was conveyed to the seller, as well, therefore the seller and I expedited signing the contract with this understanding and all documents were submitted ( XXXX/XXXX/16 ), by writer, prior to the FHA guidelines change.
Writer requested for the untimely and misleading information to be addressed at a higher level, and writer corresponded with XXXX XXXX ( M & T Vice President ). XXXX XXXX expressed that based on my DTI the loan for XXXX XXXX XXXX XXXX should have " never gone to processing ''. If writer received a rejection of the loan in a timely manner, writer could have saved significant amount of money ( by not paying for an appraisal, termite inspection, or home inspection ).
Due to the issues and concerns noted above, as a resolution I am requesting : for the FHA case number assigned to writer for XXXX XXXX XXXX XXXX, to be investigated, due to conflicting reports of the loan status from XXXX XXXX and XXXX XXXX to receive reimbursement for the appraisal fee for XXXX XXXX XXXX XXXX, because per XXXX XXXX 's report " this loan ( for XXXX XXXX XXXX XXXX ) should have never gone to processing '' ; if the loan was not inappropriately sent to processing, writer would not have paid M & T for an additional appraisal for the home for all of the claims above to be investigated by the Federal Reserve for all to the claims above to be investigated by the Consumer Financial Protection Bureau
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| 08/15/2018 |
Yes |
|
- Struggling to pay mortgage
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Web |
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I Closed On An Owner Occupied Fourplex With An FHA Loan Through XXXX XXXX In XX/XX/XXXX Inheriting Tenants In the Process.And Since Then Have Being Paying On My Mortgage On Time With The Exception A Time In XX/XX/XXXX ( This Was When I Was Making Payments To XXXX And It Was Sold Around That Same Time To M & T Bank ) Where I Was Late Due To A Job Loss But Was Able To Get A Job And Paid Back My Outstanding Debt.In XX/XX/XXXX, I Lost My Job Again And Also Had Tenants That Refused To Pay Rent And I Decided Then To Register At A XXXX College To Get An XXXX XXXX To Enable Me Get A Career Where By If My Tenants Did Not Pay I Could Afford To Pay My Mortgage .Iam In My Second Year.At That Sametime One Of The Front Deck Unit In My Home That Was Dilapidated Started Decaying More And A New Deck Had To Be Put In So I Called The Mortgage Coming And Told ThemThe SitautionThatI Had To Withhold That Months Rent And Add It To What I Had Saved To Pay For The Cost.I Was Told Was Going To Be Charged A XXXX Dollars A Month Till It Got Paid And It Has More Than A Year Now I Have Being Billed That Amount.Since The Tenants Refused To Pay, I Have Being Making Payments With My Student Loan And Had To Pay For Legal Help To Get The Tenants To Move.Two Left In XX/XX/XXXX And One Left XX/XX/XXXX.I Have Since Then Got Two ( 2 ) New Tenants Since End Of XX/XX/XXXX With Leases Starting XX/XX/XXXX And XX/XX/XXXX Respectively. I Have Being Constantly Updating This Current Mortgage Servicer ( M & T ) On My Situaltion.On XX/XX/XXXX, I Contacted This Servicer ( M & TBank ) At XXXX XXXX XXXX And Spoke To A XXXX ( They Should Have All Recording Of My Communication With Them ) Who Said If I Raised 2 Payments Of ( {$2200.00} ) By The End Of XX/XX/XXXX, That Will Take Me Out of Foreclosure.I Tried Logging On To Make The Payment But Their Online System Would Not Allow Me.It Said To Call Back On The Next Business Day Which Was Wednesday XX/XX/XXXX .I Called At XXXX That Morning And Spoke To This Same Representative XXXX, And Was Told They Would Not Accept My Payments But Will Take 3 Payments At That Time ( Mornin Of XX/XX/XXXX ) .I AskedForA Supervisor Who Came OnTheLine By The Name Of XXXX XXXX Who Said That I Was In Foreclosure And That I Had To Pay XXXX To Reinstate My Loan, I Asked That Less Than 24 hours Into Owing Them 5 Months As Of That Morning Iam In Foreclosure? .He Said Yes.I Then Asked HimTo Give Me The Department /Legal Firm Which My Loan Had Being Referred To But He Said He Couldn, t Provide Me That Information.I Have Had Two Other Mortgage Servicers Since I Got This Loan And The Have Never Mistreated Me Like This Mortgage Servicer ( M & T Bank ) .I Have Being Constantly Harrassed And Threatened To The Point That I Will End Up Crying On The Phone With Some Of Them Giggling In Process.This Has Greatly Affected My Health.I Have Contacted The Housing Mediation In My City And Provided Them With The Documentation They Need .I Was Called Yesterday By M & T And Was Told They Had A Foreclosure Attorney They Wanted Me To Call But Out Of Panick From The Threats And Harrassment I. Declined Getting Any Information From Them, Also It Was Less Than The 30 days The GaveMe On XX/XX/XXXX.The Next Thing I Knew I Have Alert From My Credit That They Placed Foreclosure On My Credit Report And I Believe Also The Court System.I Do Not Want To Lose My Home Because I Don, t Have Anywhere To Go.I Do Know You Are An Organization That Advocates For Consumers, Please Help Me.Iam So Scared And Traumatized From This Inhumane Treatment From This Mortgage Servicer M & T Bank , I Do Not Know What To Do Or Where To Go From Here.I Need To Know What To Do To Stop Them From Taking My Home From Me.Please Help.Your Attention To My Situation Is Greatly Appreciated.Iam Grateful
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| 06/03/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
|
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I am a XXXX XXXX resident who works in XXXX XXXX.
I have had both checkings and savings accounts with M & T Bank for several years. For the past several weeks, I have been experiencing issues using my checking account. I XXXX noticed this problem when attempting to purchase groceries at my local XXXX supermarket about a month or so ago. When I chose the credit option, my card was declined. I knew my account had more than enough money to cover my groceries, so I instinctively used the debit option, and the transaction approved. Every week since then, I have experienced the same issue, despite purchasing groceries every Friday at the same supermarket, around the same time of day for the past year.
Last week, I went to purchase crabs for {$100.00} and once again, my card was declined under credit although I had the funds. I instead used another credit card. I called M & T Customer service who informed me that due to high fraud activity in the area, M & T would not allow credit transactions, and that I have to use debit because entering my PIN verifies my identity. The customer service agent could not confirm where the fraud was occurring or how long the bank would inhibit credit transactions.
Recently, I treated my boyfriend to dinner at XXXX XXXX in XXXX. Our bill was {$180.00}. When I attempted to pay, the waiter informed me that my transaction kept showing an error and requested I used a different card. As you can probably imagine, this was extremely embarrassing. Once again, I resorted to using another credit card. Knowing I had the funds in my account to more than cover the bill for the meal, I called M & T Customer Service after leaving the restaurant. XXXX XXXX employee ID XXXX ) informed me that my card was declined due to fraud in the area. Once again, XXXX could not inform me where the fraud was occurring XXXX please note my transactions fail in both XXXX and XXXX XXXX XXXX and he could not confirm for how long or the monetary amount these transactions would be stopped for. XXXX also informed me that the next time I go out to eat, I should call M & T Bank and ask them to allow the transaction to go through. I informed XXXX that this is unacceptable and also asked him what I should do if my transactions fail when customer service is closed. He then suggested I take out cash or ask the company to do smaller transactions that cover the whole bill. I informed XXXX that this is ludicrous and that I do n't feel comfortable going to the ATM late at night or walking around with large amounts of cash. I asked XXXX if there is anything that could be done and he told me no. We ended the call.
I then called my sister and mother, who stated they have been experiencing the same issues with M & T Bank. My sister suggested I contact the Attorney General. When I called M & T back and informed XXXX that I would be contacting the Attorney General, he no longer decided nothing could be done. He transferred me to his supervisor, who informed me she would place a " fraud exclusion '' on my account, which would now allow me to make purchases on my card without problems.
I highly suspect that these issues are not truly fraud related or preventative. M & T never sent me notification that fraud was a concern and that I would only be able to use debit. Additionally, M & T used to allow my transactions to go through, and would email me about potential fraud relating to the completed transaction. I was fine with this approach. I do not agree with M & T stopping me from being able to use MY money that I work hard for in the manner that I please. M & T was recently in the news for charging erroneous overdraft fees to their consumers. It appears M & T is continuing unethical business practices towards consumers.
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| 02/17/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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|
Web |
Older American, Servicemember |
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XX/XX/2023 I went into M & T Bank at XXXX XXXX Md location to take care of XXXX TRANSACTIONS, which turned into a XXXX MINUTE NIGHTMARE caused my the staff at M & T bank 1,000 %. I wanted a XXXX XXXX check switched over to a cashiers check & to deposit a check into my savings. Teller had XXXX days in bank so I asked him to give to another male teller who ignored my request and walked away from me, to help another customer.. After XXXX minutes of watching this novice teller typing stuff in his computer I asked several times XXXX XXXX XXXX XXXX XXXX XXXX, and was loudly asking another staff member to " XXXX XXXX XXXX XXXX XXXX XXXX, help this man '', NOBODY would help him nor help me with me losing my temper by the second. At XXXX XXXX did branch XXXX XXXX XXXX XXXX get up off her chair ( XXXX XXXX XXXX XXXX XXXX XXXX ) to come over to see if she could help, BUT WAITED for the XXXX male teller ( who refused to take over for XXXX XXXX XXXX ) goes to her office and she FINALLY comes over AFTER XXXX MINUTES LATER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and having me repeat EVERYTHING over with what this male teller ALREADY knew- but XXXX COULD NOT explain WHY I couldn't just switch XXXX check into a cashiers check BUT had to take from my checking account and then into a cashiers check of {$6700.00}. After XXXX REFUSED to finish my transactions AFTER XXXX MINUTES I then lXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She blocked the door, BUT went outside instead to finish my business via the ATM machine, XXXX came out videotaping me ( without my permission ), whereby she backed up in between the glass front doors. XXXX XXXX Police responded XXXX of them trying to calm me down and other ( female ) went into the branch to speak to XXXX whereby she came out & told me not to return to this branch, which I told her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, then left.
I then called M & T to file several complaints against the branch and their staff as well as XXXX XXXX ( regional XXXX ), after I sent her an email shortly thereafter this NIGHTMARE took place, calls me the next day XXXX XX/XX/XXXX and ONLY wants to chastize me for throwing a pen, I asked her XXXX TIMES to stop talking about me throwing a pen AFTER her staff inconvenienced me for OVER an HOUR & XXXX MINUTES ( with cop interaction ), BUT would not let up making me XXXX again! Then she hangs up on me, that's when I filed an official complaint against her.
I XXXX XXXX go into the branch anymore ESPECIALLY XXXX XXXX 's branches that she manages because this was XXXX times I've had issues just with her staff alone.
First time was with an extremely rude & unprofessional man who I called out about XXXX rudeness & again staff there went to his defense when he was the instigator and second time was with a teller taking WAY TOO LONG - XXXX MINUTES PLUS to cut XXXX money orders.
I have been a M & T customer for WAY OVER 15 YEARS & have ONLY had issues with XXXX XXXX XXXX, XXXX XXXX staff BUT I am being penalized because of M & T staff causing ALL OF THIS!?
I have ALWAYS maintained THOUSANDS of dollars in my account and have NEVER been overdrawn EVER, and to be treated in such a XXXX manner and the staff NOT being terminated for these occurrences is just plan digesting and not fair.
I just returned home last night after being in Florida for almost a week and am leaving for New York and then to XXXX XXXX and will NOT return until XX/XX/XXXX, I do not need this at this time nor do I have time to go into an M & T bank today
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| 08/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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Due to Covid-19 we applied for hardship assistance with M and T Bank ( MTB.COM ), for our car loan.
We received approval for our COVID-19 hardship assistance via email on XX/XX/2020.
The email stated : Thank you for submitting a COVID19 Hardship Assistance request.
If you have a personal loan or line of credit : We will waive late fees charged or assessed between XX/XX/XXXX and XX/XX/XXXX, XXXX1 and will suspend credit reporting for any delinquencies occurring now through the end of XX/XX/2020 2. If you are able, we encourage you to continue to make payments, even if partial, on your account ( s ). An M & T representative will contact you regarding available options for assistance, including loan extensions and waivers of delinquency options to help bring your account current.
Good news right?!
On XX/XX/2020, I walked outside and noticed our car was gone. I called MTB and asked if they had repossessed our car? Or was in stolen out of our driveway?
Over 3 hours on the phone. M and T would not answer me whether they repossessed our car. They would say, let me transfer you to that department. Long wait, then back to the same menu. Oh that's not our department, let me transfer you. I just really wanted to know if our car was stolen, since we had already been approved for the COVID-19 hardship!
Finally, I was transferred to the Repo Department. The person I spoke with said the car was repossessed due to it being 90+ days late on the payments. She said that MTB.com HAS REPORTED OUR LATE PAYMENTS, AND THAT OUR CAR WAS REPOSSESSED TO ALL THREE CREDIT BUREAU 'S.
She looked up our account in her and her computer said " system '' under whether we applied for the hardship. She asked if I had copies/proof. I told her that I'm pretty sure that I did, but that I'd have to find it.
She gave me the total amount I owed, plus the late fees. She tried to get in touch with the REPO AGENT to see how much the REPO fee 's would be for them to release the car back to me. She asked me to call her the follow day, Tuesday XX/XX/2020 around XXXX to see if she found out the fee amount for the REPO.
After hanging up with the REPO agent on Tuesday evening, I found the email stating we were approved. I called her back, I have her extension, and left her a voice mail message. I also forwarded her the email stating our COVID-19 HARDSHIP APPROVAL. I told her I would try calling her back tomorrow morning.
I called again and left a voice message for the REPO agent XXXX on XX/XX/2020. No return call.
I called on XX/XX/2020 at XXXX and left another voice message. She returned the call at XXXX. The call dropped when I picked up. She called back at XXXX. It was very difficult to hear her on her cell phone. She told me she was referring me to her supervisor. She gave me her supervisors name, and transferred me.
I left a voice message with the REPO SUPERVISOR around XXXX on Wednesday, XX/XX/2020.
I have not heard from anyone at M and T bank since I left that voice message on Wednesday, XX/XX/2020.
Today is Wednesday, XX/XX/2020. This morning I picked up a certified from MTB Bank. The letter is dated XX/XX/2020 but I just received it today. That's 8 days since they mailed the letter!
The letter states that M and T Bank will be selling our car by XX/XX/2020!
It states that I need to pay upwards of {$2000.00} to get the car back. Plus additional fee 's I'm sure.
All of my personal and work stuff is in my car. M and T Bank reported us to all three credit bureau 's despite the fact that we are approved for the Covid-19 hardship! I checked M AND T 'S website, and they still have not taken off any of the late fees.
We were approved in XXXX. It is now XX/XX/2020.
Please help.
Thank you.
|
| 09/02/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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Beginning XXXX, 2009, a cadre of financial institutions have improperly posed as the creditor, i.e. the party to whom the mortgage debt is owed, in connection with debt encumbering real property of my estate. After years of litigation, and battling absurd arguments such as, " we can enforce the debt even if we stole it, it 's a bearer instrument under UCC 3, '' it is clear that none of the financial institutions own or have a right to enforce the debt instruments. The XXXX has now finally determined that the Note at issue is not negotiable instrument, and therefore not subject to UCC 3, and thus the institutions can not enforce the debt, " even if they stole it. '' After changing the identify of the creditor numerous times, the institutions most recently asserted the owner of the debt is, " XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX, asserts the right to enforce the Note as the owner of a bearer instrument, '' and then when I proved that was an impossibility, the institutions pivoted to assert the exact opposite, " XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX agrees it is not the owner of the Note. '' I have been forced to litigate the institutions ' moving target assertions for over XXXX years. The servicing institutions involved ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX, XXXX ( XXXX ), assert they are attempting to enforce the debt on behalf of XXXX XXXX XXXX XXXX XXXX XXXX as Indenture Trustee for XXXX XXXX ( BONYM ), with XXXX asserting it is attempting to collect the debt on behalf of " XXXX certificate holders '' of XXXX XXXX. However during their deposition testimony, XXXX admitted it has no idea who the XXXX certificate holders are or how they are paid. Contradicting this testimony, are the documents filed with the SEC in connection with XXXX establishing that the indenture trustee is to certify with its signature, each certificate issued, and is responsible for paying the certificate holders. If XXXX does not know who the certificate holders are then they are not collecting payments from me on behalf of the certificate holders of XXXX XXXX. Finally, during the recent summary adjudication proceedings, the servicing institutions and XXXX now assert that Wilmington Trust Corporation is the owner of the instruments as the Owner Trustee of XXXX XXXX ( Wilmington ). However Wilmington and its key executives are under criminal indictment for their conduct in connection with mortgage backed securities and did not assert a claim against my estate. Further, the documents filed with the SEC in connection with XXXX XXXX establish that the owner trustee, Wilmington, is the only party that can engage in litigation in connection with assets of the trust. Its clear that Wilmington, did not, and is not asserting a claim against my estate, that SLS is improperly using the name XXXX XXXX as cover to fraudulently assert a claim against my estate. Defendant 's counsel in the matter, has improperly asserted it is representing all the Defendants in the matter, when their actual client is SLS, in order to collect fees and keep covered the issue that the certificate holders of XXXX XXXX are owed no amounts from me. As this agency is aware, when XXXX XXXX was the servicing agent their conduct was particularly egregious as summarized in the attached communication from me to XXXX XXXX. After the CFPB and FTS consent judgment was issued, XXXX XXXX immediately became XXXX for obvious reasons but continues its deplorable conduct in my case. The overall issue is set out in my attached third amended complaint, which will have to be amended once again now that XXXX 's misrepresentations of ownership were revealed during the summary adjudication proceedings.
|
| 06/18/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
Older American |
|
My mom passed away on XXXX XXXX, XXXX. XXXX held a CD and Savings Acct for her heirs in the event of her death. She did this to make it easier for her children ... because that is the kind of mom she was.
I am retired and spend most of my time in XXXX. I have a permanent US address in XXXX, but am seldom there. I went to XXXX to help with hospice care in XXXX and returned to XXXX after the funeral. I was devastated by the loss. She was strong and healthy, living on her own and managing her own affairs until the end. XXXX
I contacted XXXX to have my inheritance moved from the CD and savings accounts to my XXXX account. They said I needed to close the accounts in person. After a long period of negotiation, they agreed that I could have XXXX withdrawal slips notarized and submit them with picture IDs and they would close the accounts for me.
They would not be able to transfer the funds to my US bank but they would give me paper checks to deposit.
I am in XXXX. A notarized signature involves making an appointment with the XXXX which takes a few weeks, and paying a {$50.00} US fee for each signature. The notarized forms were eventually obtained and forwarded to my sister, who lives near the bank, to deliver to avoid any additional delays.
In the meantime, XXXX merged with M & T Bank.
When my sister brought in the forms she was informed that they would not be any good and I would have to come in person to close the accounts and get the checks.
My sister finally prevailed and I was allowed to verify all of my information by phone and email. The accounts were closed. I was not able to get the bank to transfer the money or to give the checks to my sister but they did agree to send the funds to me in XXXX.
Weeks later I received a check that was drawn on XXXX XXXX, XXXX ... almost four months to the day after my mother 's death. When I opened the envelope I found a cashiers check for a little over {$10000.00}. The amount is significant. The XXXX accounts had been closed and the funds put into XXXX check " for my convenience. '' Receiving a check for over {$10000.00} across international borders requires submitting a form to the US XXXX reporting the transfer. This means that I had to complete the customs declaration for receiving the check ... and in order to deposit the check into my XXXX account by mail, I would have to report that I was sending the check back to the USA. I am sure that there will be many questions from both XXXX and the IRS due to this.
I requested that the bank cancel the check aand XXXX check - XXXX for each account - be sent to me so that I could negotiate the funds without more red tape. The branch refused my request. They suggested that I fly back to XXXX or XXXX to deposit the check in a XXXX.
I contacted M & T Customer Relations and spoke to someone on the phone who gave me to XXXX, her supervisor. They were both considerate and offered condolences on the death of my mother, but could not offer any help. Apparently, the branch manager has the final say in M & T customer relations.
I just returned from the post office in XXXX where I sent two forms to US XXXX reporting receiving the check ... and sending the more than {$10000.00} check to XXXX.
The cashier 's check, was sent by regular mail to a XXXX XXXX which is how XXXX does banking by mail in the USA. A XXXX XXXX can not provide signature or tracking. I hope it gets deposited to my XXXX account.
I can not believe that in this day and age a bank in the USA is not able to do an EFT to another XXXX bank. I can not believe that any bank has to issue a paper check. I can not believe that any bank so callous to it 's customers can stay in business. M & T shame on you.
|
| 01/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
i am writing to seek much needed help with getting a reasonable mortgage payment amount on my mortgage.
i started to fall behind last year after the TOTAL ESCROW payment jumped sky high from XXXX monthly to XXXX monthly. i called and complained about it and was told that it was temporary and that it would go back to XXXX by XXXX XXXX of XXXX.
the hurricane came in in XXXX ( XXXX ) and i got some damages which i reached out to the insurance company to take care of and they declined and threatened to cancel my policy if i did not get my whole entire home redone, tiles, roof, painting, bathrooms kitchen electrical airconditioning etc. which i have until XXXX of XXXX to provide color pictures to them after completion if not i will be cancelled. Since that time i have been trying to do repairs to my home slowly. which put a tremendous strain on me as I am a Realtor and do not make a lot of money as it is so slow in the industry.
I was placed in foreclosure by M & T bank in XXXX XXXX, XXXX but thank XXXX the Hurricane came on the XXXX so I was blessed to have them toss the foreclosure aside if i did a new modification with them. It was a pain and almost near to impossible reaching M & T Bank then finally a rep told me to call the XXXX XXXX XXXX XXXX XXXX as they are the ones who is handling the loan it was transferred over to them.
i have attached the agreement they sent me that i was forced to sign so i do not go into foreclosure.
i called and spoke with XXXX XXXX who said he was going to check to see what he could do to help me with my financial strains and he sure did not. he came back with a payment schedule for 5 months of almost XXXX monthly i was floored.
the first and only payment was XXXX which i struggled to pay but was able to do so but the 3200 monthly i cant even try to do that.
i need my home for me and my XXXX boys and grandchild. I purchased this house in XXXX XXXX and managed through thick and thin to raise my children now a grandchild here im still in my home now almost 18 years and i intend to die here so please CFPB I know you all can help me to get the much needed help and fairness that im due. i do not want to lose my home i have worked so hard for. i am working hard as a realtor to place people into their home do you know how hard it is for me when i think about me and loosing my home and being homeless. Living under the Bridge or in a homeless shelter is not one of the options i need i am a hard working realtor and will continue to struggle to keep my home. i have since for almost 18 years.
please i need my mortgage payments to be back to where it was before XXXX all the other colleages of mine who got modifications got low regular payments why are they not putting my past due to the back of my loan? why are they giving me a basket to carry water by giving me XXXX a month mortgage payment when i could not handle XXXX the amount they raised it to before. i was told that i was getting a fixed rate of interest but that was a lie. as a person in the business and having a better understanding now of mortgages and so on i found that they lied to me. They do not want to work with me. they are only focusing on trying to take my house.
please have them give me a fair modification so i can handle my payments. this is ridiculous that the bank is trying to take my home that i have struggled so hard for and the insurance company that i am paying an escrow to every month would not fix anything in the house and force me to spend money to fix stuff they should be fixing. I did not get any damages from the insurance company first federated from of XXXX XXXX as they threaten to cancel me. HELP! HELP! HELP!
|
| 06/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I wish to raise an official complaint in respect to the treatment of my mortgage account with XXXX XXXX XXXX ( XXXX ) on the basis that I do not believe that I have been treated fairly. When I was on a XXXX Leave of Absence XXXX placed me on an unemployment deferment and stated that once my employment resumed that the options were deferment where I would put earnest money down to show good faith and then make payments that would pay off the arrearages over time but there was no formal process for this other than them asking a few questions. I answered the questions and was constantly deferred to the loan modification program which was not the program that I wanted to place in having recently being a recipient of the HAMP modification program. I did not have a single Point of Contact ( POC ) and even when a POC was assigned to my file it was an arduous task getting in touch with them, often times leaving numerous voicemails calls would not be returned for an inordinate period of time. Although XXXX was part of the National Mortgage Settlement it appears that they attempt to misguide customers that are in financial duress in a process that may be easiest for them to manage which in most instances in not in the best interests of the customer. Fast forward in numerous telephone conversations with XXXX I stated verbally that I would like to get a deferment and pay the arrearages over time. Comes now, XXXX denied having such communications on file to substantiate my request. Although during that time I was told to make an earnest money deposit for a deferment which I did in the amount of {$4000.00} on XXXX XXXX, 2014 which was later returned to my financial institution on XXXX XXXX, 2014. I contacted XXXX Bank to find out what would be a reasonable amount for my deferment on XXXX XXXX, 2014 and was able to get the support of my family and submitted a payment in the amount of {$7000.00}. XXXX in turn cashed my payment of {$7000.00} more importantly when I ask them to trace the check that was returned on XXXX XXXX they were made aware once more for my request for deferment. XXXX representatives sadly mislead me into believing that my request for deferment was being processed.
It was my understanding on the basis of submitting an earnest money deposit and XXXX cashing that payment in the amount of {$7000.00} that I would be entered into a deferment program so I could keep my HAMP loan modification and have the removal of late fees that were incurred on my account as per my numerous requests. I have been mislead by XXXX Bank and do not believe they meet the National Mortgage Settlement guidelines of needing to be clear, fair and not misleading.
I have also been advised of case law which supports the requirement for important conditions to be made clear and obvious in work out options to include deferments. That was definitely not the case in the mortgage documentation which was issued to me or in any communications from XXXX. XXXX sadly literally bullied me into another loan modification under the XXXX XXXX XXXX XXXX even though to my understanding I qualified for the HAMP Program. Nonetheless, I lost the terms of my HAMP loan modification under my initial agreement and my payment increased because XXXX rolled in ancillary fees to include late fees which I requested a removal of due to documented hardship. XXXX XXXX XXXX, XXXX XXXX XXXX did alert me telephonically that she did see communications for my request for deferment and she wished she could help but advised me that a modification would be the only way to save my home as XXXX denied any communications and she apologized for me being misled.
|
| 08/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
It is public knowledge that large banks, including XXXX XXXX XXXX, transferred accounts that were fully ( or mostly ) paid off, to third parties with misleading and inaccurate information. Those third parties, and debt collectors, in turn harassed and intimidated consumers. While the financial institutions settled some of these cases, there is ongoing litigation involving other cases. My experience, detailed below, is another example of that practice by your bank involving a third party debt buyer. I request your personal attention so we can resolve this matter within reason, promptly.
Since XX/XX/XXXX and up to and including XX/XX/XXXX, on a loan with a balance of $ XXXX ( as confirmed by XXXX ), I 've paid {$240000.00} to XXXX/M & T, as confirmed by my bank. Other analysis confirms I may have overpaid on the loan already. Copies of the cashed checks, detailed correspondences sent with each payment, and a log of communications with XXXX and M & T representatives are also available on request.
I made my monthly payments slightly in excess of what was due. I also made significant advance payments with a clear intent to accelerate loan payoff. I sent property tax payments in full several months ahead of when ( the first installment was ) due. I included copious notes in the checks and accompanying letters on how the payments were to be applied. XXXX representatives assured me my account was current and not in escrow, my payments were being applied as directed. I relied on those representations and continued, in good faith, to pay off my loan. In summary, as noted by a XXXX representative XX/XX/XXXX, " I had no cause for alarm whatsoever. " I was therefore shocked and dismayed at M & T Bank 's claim I was behind by {$70000.00} in payments and their threats to foreclose on the property unless I pay up immediately. Neither XXXX nor M & T are stepping forward to resolve the many discrepancies in their narratives. XXXX claims the loan is now being handled by M & T and M & T claims they are relying on what XXXX presented them. M & T informed me they would research the payments and get back to me. I have n't heard from them since other than via XXXX XXXX who informed me M & T said they would commence foreclosure proceedings if I do n't pay up immediately.
As noted earlier, there is ongoing litigation and a history of large institutions, including XXXX, transferring, with misleading and inaccurate information, fully ( or mostly ) paid off loans to third parties ( such as M & T/XXXX ) who then abuse, threaten and intimidate unwary consumers. This is another instance of that practice. Unfortunately it involves your bank ( XXXX ), another smaller entity ( M & T ), and I 'm caught in between. I trust you 'd be able to understand my predicament, especially in light of my good faith efforts to pay off the loan early.
It is only fair and reasonable that XXXX, as was represented me, apply every penny and dollar I sent it applied for the intended purposes, i.e., toward the mortgage ( principal and/or interest ) and where appropriate, property taxes. While I am cautious, given XXXX 's public record and its mistakes on my account, I trust you 'd agree my expectation is fair and reasonable and XXXX 's action to correct for its mistakes and lapses would enable our resolving this situation. Once that is complete, should there be any balance, I am open to paying it off to XXXX or M & T Bank.
Attached are documents summarizing the inconsistencies, anomalies, and errors in the bank 's " explanation and analysis '', evidence of payments and analysis showing the loan has already been paid off in full.
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| 08/12/2015 |
Yes |
- Bank account or service
- Savings account
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Web |
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On or around XX/XX/XXXX, I opened a free checking account with Manufacturers and Traders Trust Company, in speaking to a vice president of a small branch, he also signed me up for a free interest bearing savings at that time. I never put much in it because I had another savings that I did an auto deduct from my paycheck and paid a slightly higher yield. I began using the MT savings more when I lost my job and had to rent my house, at which time I put money in the account that was given to me as a security deposit. XX/XX/XXXX, due to my job loss and lack of income, my boyfriend added his name to my checking account in order to keep the account open and for me to have some sort of checking account, HIS NAME was the only change, not the type of accounts, checking and savings, the account # XXXX are the same as before. I didnt use the account much and XX/XX/XXXX, I noticed withdrawals coming out of the savings associated with the free checking which had never happened previous to my adding My boyfriends name to the checking account. So why if all they did was add his name to my free checking would they change my savings account ( I have my old statements with no fees ) from a no fee account to one with fees and why would I ever agree to that when I had a small savings at XXXX? I told them on the phone at that time to stop the charges immediately this was a free savings account and I never agreed to this. They told me I had to come in, which I did and this was supposed to be cleared up. It was not and the deductions continued, I called again, this time I had been injured and could not come into the bank and my boyfriend tried to inquire about it but he doesnt handle the account so I had to wait. I eventually brought him into the bank with me and spoke to a manager who refused to change the account back the my original type of account, informing me that this account would be credited the fees and to keep a balance of XXXX which I had. What she did not tell me was that the next day, they were going to offset my boyfriends solo overdrawn account ( which was mostly fees-every couple of days- his boss could not pay him ) with my savings account, which was n't even my money. So as far as I am concerned, the bank was very sneaky and not forthcoming in their handling of the handling of the savings account and its fees on more than one occasion, and when the bank manager had the opportunity to discuss with me fees and the overdraft account, she neglected to tell me about something called an " offset '' which could occur on my account. Which again, is sneaky and as far as I am concerned, unethical. The bank is there to protect your money, not steal it. Most banks are like this and its difficult to find a good bank. But as mad as I have been at other banks I can say I had some hand in whatever happened. But not this, they took money from my account for over a year without my consent. I repeatedly asked them to stop. They refused, crediting the account once ( XXXX ) XX/XX/XXXX. But then taking XXXX the next day for a debt I did not owe and money that wasnt even mine, which I had a discussion with the manager about when at the bank while with my boyfriend. I explained this money was rental escrow and they had to stop removing funds from this account. But the way they did it was ridiculous as well, they waited on his account adding fees until he had exactly what I had in my savings and then XXXX balanced his account with my money. Then charged my savings again another XXXX after I told them to stop it. Also why didnt they previously tell me the account had to have a XXXX balance to avoid the charges.
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| 12/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Servicemember |
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On XX/XX/XXXX I called XXXX at XXXX ( a title procurement company working with XXXX ) and spoke with XXXX regarding my auto claim for a vehicle that had been deemed a total loss. XXXX explained XXXX needed a letter of guarantee from M & T bank. We called M & T bank they explained they need the request in writing with the customer name, account number, and VIN. XXXX submitted the request via fax and M & T stated they would send the letter of guarantee by the next morning. On XX/XX/XXXX I called M & T Bank to check the status of the letter of guarantee. M & T bank stated it was not complete yet. I requested to speak with a supervisor. I spoke with XXXX, a supervisor with M & T bank who stated they did not receive the request from XXXX, therefore I added XXXX to the call. XXXX the XXXX representative faxed the request to XXXX as requested by XXXX. I asked XXXX to confirm receipt of the fax and he came back and said the fax was down. XXXX then asked us to email it to XXXX. XXXX submitted the request, 3 pages, via email. I asked XXXX to confirm receipt of the email. He came back and requested XXXX email it to XXXX ( this was at XXXX XXXX on XX/XX/XXXX ). I asked XXXX to confirm receipt of the email. He came back and asked XXXX if she sent it to XXXX, she explained she didnt and resent it to the new email. XXXX confirmed the written request was received and M & T had everything they need. He explained the request would be processed within 2 days. On XX/XX/XXXX I called M & T bank to check the status of the letter of guarantee. The representative stated it was still pending, I requested deferment on the loan and interest and was transferred. I was told my loan could not be deferred while they worked with the insurance company because I had not made the minimum of 9 payments yet. Please keep in mind at this point I had made two payments after the car was deemed a total loss. I called M & T bank back and spoke with XXXX. I requested assistance from XXXX to resolve the issue on the account. XXXX research to the account and stated they had not received the written request from XXXX. I called XXXX while XXXX was on the line and we spoke with XXXX, XXXX explained that the written request has been submitted on four different occasions previously. XXXX agreed to resubmit the written request. XXXX and I ended the call with XXXX. I asked XXXX to confirm receipt of the written request from XXXX. XXXX placed me on hold to check the status of the request, when she returned she stated that it had not been received yet but it could take some time. I asked her how long it would take to resolve the account and send a letter of guarantee. She said that they will try to work on it today but it probably wont be until Wednesday. I explained that was unacceptable as I was told it would take two days, 10 days ago. I asked to speak with her supervisor and I was transferred to XXXX. XXXX explained that they did not have the resources to keep me abreast of the progress regarding my claim or to complete it today. I requested to speak with her supervisor and I was transferred to XXXX. XXXX checked the status of my claim and explain that they are waiting for the written request and that the insurance department is out of the office but he has identified another department that should be able to process the request. He said he will reach out to XXXX via XXXX to have the written request submitted directly to him and he will work with the appropriate department to process the request for the letter of guarantee. I requested that he call me back before the close of business on XX/XX/2018 with an update and he agreed.
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| 02/03/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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Dear Consumer Financial Protection Bureau, I am please seeking assistance with mitigating information from my mortgage processor ( M & T Bank ) concerning a payment, sent on my behalf from the FL-HAF program, not being applied to my account.
One FL-HAF mortgage payment ( {$480.00} ) to date has not been applied to my mortgage. On XX/XX/XXXX, a call to the FL-HAF call center ( verbally ) verified that 7 payments have been sent to my mortgage processor ( it does NOT include XXXX ), yet only 6 payments have been applied.
Please note -- although my mortgage account reflects " current '', it should actually be " ahead '' by one month. I made a {$480.00} payment from my personal checking account on 8/15/22 to stay current. A FL-HAF {$480.00} payment on 8/16/22 put my account " ahead '' by 1 month. M & T monthly statements verify this and are attached. XXXX statement showing next payment due in XXXX, XXXX statement showing next payment due in XXXX. But then XXXX statement shows the next payment is due in XXXX. I have been trying to resolve this issue through since then.
Call history to M & T Single Point of Contact to request escalations : XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Escalation requests to investigate the " missing '' payment are replied to with " the account is current '', " the payment will be applied to following month. " Since XX/XX/XXXX my specific escalation question has repeatedly been, " How many FL-HAF payments have been applied to my account? '' The notes simply say, " Will be applied in XXXX '' This does not provide an itemized answer to my request.
On XX/XX/XXXX Single Point of Contact member XXXX transferred me to XXXX in Customer Service to try to determine using batch numbers and transaction codes the specific source of payments made to my account. Two hours later, she was not able to.
My records indicate a total of 6 FL-HAF mortgage payments ( {$480.00} ) have been posted to my account since my award letter XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Conversely, 7 FL-HAF utiltiy payments ( {$61.00} ) have been posted to my utility ( water ) account since my award letter XX/XX/XXXX. I am attaching the payment history with FL-HAF payments marked : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Documentation I am attaching : 1. M & T monthly statements from XXXX XXXX and XXXX XXXX.
2. Payment record from my utility company showing the number of payments made by HAF to date.
3. HAF award letter indicating 18 months of future payments for mortgage and utility and the amounts of each payment.
I have a PDF of my mortgage payment history that I have marked to indicate exactly who made what payments to my mortgage account. On XX/XX/XXXX I emailed this document, as well as my personal checking account records to support what payments were made personally by me to M & T. I received electronic confirmation that is was received. I am not attaching it here because it includes personal information but am happy to provide it upon request.
Again, I would like to stress, my mortgage account may be in " current '' standing but that one FL-HAF payment has not been applied to my account. As my documentation shows, my account should be " ahead '' due to my personal payment on XX/XX/XXXX and then FL-HAF payment applied on XX/XX/XXXX.
Please let me know if I may provide further documentation or answer any questions.
Sincerely, XXXX XXXX
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| 11/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
In XXXX a purchase was made online from my debit card for XXXX. Then XX/XX/XXXX I received a one time text about my XXXX card saying a purchase was made. If it was mine ignore if not please contact them immediately. It wasnt mine so I opened the link on the text to call them. Which I had to do before when my card was stolen from online activity. I even questioned them about really being XXXX. So they sent a verification code to me. So I thought they were legitimate. My phone started going crazy with alerts from XXXX XXXX and M & t bank. I then realized it was a scam and hung up. I went to my XXXX XXXX which I had locked .I removed my bank card as quick as I could and locked the account again. I called the bank and explained what had happened and asked them to please block the account and not let any transactions go through. It was not me. Do not pay them. She told me I had to come in and dispute it and put a hold on the account. So I went to bank she checked the account and saw 5 charges for XXXX XXXX totaling XXXX She said it showed they did it from desktops out of state. So I filled out disputes and the paperwork needed and told her to block the account it had been accessed and my identity was stolen I would just open another account. So I opened another account so that I could still do my banking. I thought it was taken care of. A couple of days later I kept getting alerts on my phone about withdrawals. I contacted the bank right away and asked why were withdrawals still going through when I asked to block and put the account on hold until it was straight. The other bank assistant said she didnt put a block or hold on the account on the XXXX like I asked. So she put it on there that day when I called. The scam was done the XXXX they didnt pay it until the XXXX. If she would have put a hold or block on it that same day this wouldnt have happened. So they gave me provisional credit for the amounts. The XXXX was returned after investigating the fraud but their accusing me of the other fraud because it happened to me last year. Well it did happen last year and again this year. I have been to the bank at least 7 times and even a different branch twice trying to prove this. They still said all of my documents were meaningless. To get a police report and a letter from XXXX XXXX stating I was scammed that day. I have been to the phone company 6 times and called numerous times. Had to get a new phone because the scammer hacked my phone and got access to all of my information. The new number I received from XXXX XXXX was a scam number. Apparently when they hacked my phone when I called XXXX it was really them. They also did the same thing with the bank phone number in my phone. I dont know how they did this but I had to then erase all data from my phone and make sure all viruses were cleaned from my new phone and change phone number a third time. I had to have additional security put on my phone to monitor every call. Contacted police, filed a police report and still they accuse me of this and deny me. I can not believe they think I would put myself through all of this for this money that I told them not to pay because it wasnt me. I even offered a lie detector test. Then they took the credit back and caused fees taking all my money and additional fees plus the XXXX credit that the other consumer returned and overdrew the account and I then had to pay an additional XXXX extra money and also a XXXX fee from my savings for overdraft protection which wouldnt have happened if she would have done her job right in the beginning and then blame and charge me for their mistakes.
|
| 06/12/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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Web |
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*********PART 1********* To whom it may concern, We feel that our current mortgage servicer M & T Bank ( MT ) has placed our loan into imminent danger of going into foreclosure. Our troubles appear to have begun back in XXXX when our family had suffered an extreme reduction of income. MT, offered a loan modification on XXXX XXXX, XXXX which appeared only on the surface to be a satisfying way for bringing my loan current. Unfortunately this offer is predatory in nature and offered no long-term net tenable benefit to our family for years to come.
The teaser rate of 4 % literally baited our family into acceptance, only to later adjust to and reset back to a cap rate of 6.375 %. These figures equate to an increase in payment of {$100.00} each year, for up to 8 years, taking our payments from {$2300.00} to {$3100.00}. Once the final adjustment occurs our loan payment will push my debt to income ( DTI ) ratio upwards to 40 % which is completely unaffordable. At the time of acceptance my DTI was under 30 %.
Furthermore, this same loan modification never actually brought my mortgage loan balance current, in fact I have been carrying a rolling 30 day late payment since MT allegedly modified our mortgage. This error has placed our family under further financial duress, as well as accumulated excessive late fees in the amount of {$4200.00}. We feel that the sole purpose of communicating that our family sought relief in XXXX, by way of modification would bring our loan current which would in turn help to correct our credit profiles. The fact of the matter is our loan was never brought completely current and our credit reports reflect negatively as a result of MT 's negligence. We feel that they have violated the Fair Credit Reporting Act ( FCRA ) as a result of their negligence.
This predatory loan carries adjustable rates within which exceed my origination rate of 6 %. To further support my claim it is a violation of the Real Estate Settlement Procedures Act ( RESPA ), for any national loan mortgage bank to place consumers into loans which carry no tangible net benefit to the consumer. From the beginning of our acceptance of the above mentioned loan modification we have slowly been forced back into delinquency by MT. MT, also extended my loan to a 40 year term, in essence they have set themselves up to collect an additional .375 % over and extra 10 years. To make matters worse we purchased our home and made a down payment of {$100000.00} on top of these additional increases.
Take a look at just a snap shot of how MT, is benefiting from my acceptance of this last offer : *Using the same loan amount of {$560000.00} and a term of 30 years at a 4 % rate FIXED, my principle and interest payment would have been {$2600.00}. Total interest paid over 30 years would have been {$400000.00}.
*However, the interest paid over 40 years this number increases dramatically to {$560000.00}, not to mention the rate increase and cap at .375 % which is almost a full 1 % higher than my starting rate prior to the loan modification.
The bank will make approximately XXXX, in interest just by slightly increasing my rate over the new 40 year term.
This loan modification offer is quite predatory in the sense that I 'm paying back double the interest and the payments have increasingly strained my budget since the loan modifications conception date in XXXX.
Finally after foreseeing and realizing the situation that we are facing, we approached MT, with a request to modify the loan to avoid the increase in payments in XXXX. MT, refused our regular payment during the modification review period.
|
| 05/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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There are 2 complaints that I have with my credit card company M & T Bank : 1 ) There were charges on the account, which I disputed and sent in documentation for because I was scammed and did not receive service. I contacted the bank and sent in documentation, regarding this dispute, and the bank recently sent me a letter saying that the charges are valid, which put the account in an over the credit limit status. I asked the bank if they would provide documentation or information regarding what was provided by the merchant because I know that there was no service provided to me. The bank said that they would not provide any information and just said that the dispute was denied and put the charges back on my account. When I asked why I could not receive an explanation the customer service supervisor stated that he did not have an answer and that no further information would be provided.
2 ) Since the dispute was denied and the charges were put back on my account, I received a letter from the bank stating the following : " If you are experiencing a financial difficulty and are unable to make a payment which would bring your account under its approved credit limit, please contact us right away at XXXX to discuss alternate payment options. The office hours associated with our phone number XXXX are Monday through Thursday XXXX to XXXX, EST and Friday XXXX to XXXX, EST '' ( please see paragraph 4 of the attached letter ).
I contacted that phone number, stated in the letter belonging to the Asset Management Department, and they told me that they could not assist me since my account was not past due and that they would need to transfer me to another number to make payment arrangements. I was transferred to customer service and then customer service told me that they do not make payment arrangements and that they would have to transfer me back to Asset Management. I asked the customer service agent to warm transfer the call to Asset Management so she could explain the situation and prevent me from being transferred back and forth between the 2 departments. The customer service agent finally got someone in Asset Management who confirmed that they could not take my call since my account was not past due so I asked to speak to a supervisor. When I spoke to the supervisor, I explained the situation and what was communicated in the letter. He says that he contacted Asset Management while he was on the phone with me and they told him that these alternate payment options are for people who meet the requirements and said I do not meet the requirements. The following are the issues I have with this explanation : A ) First, if I did not meet the requirements then why was it presented in the letter for me to contact them if I was unable to make the payment? The letter makes it seem as though arrangements could be made if I contacted them right away ( please refer to attachment ).
B ) When I called the Asset Management Team, at the phone number in the letter, why didn't they tell me directly that I don't meet the requirements ( since the letter came from them ) rather than bouncing me around from 1 department to another? And what are those requirements? The only thing they are basically saying is that my account has to be pass due before I can even speak to them.
C ) What happens if this payment is not made by the due date? I already explained that the payment would not be made.
This letter, provided by the bank, is very misleading. There has been no meaningful communication with the department who sent the letter although the letter asks me to contact them directly.
|
| 03/09/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Good afternoon, a few months ago my mother received a letter from her bank, M and T, notifying her of the need to confirm contact information for her two checking accounts. Her name is XXXX XXXX. As her Power of Attorney, my name, XXXX XXXX, is also listed on the account. Immediately, my mother contacted the number provided on that letter to confirm all contact information. She asked if i needed to call to verify anything else. She was told that everything should be completed with the contact information verification. But, no confirmation number was ever given to her to show that she had even contacted the bank. Yesterday, XXXX XXXX, my mother receives a notice dated XXXX XXXX that her two checking accounts had been closed on XXXX XXXX. Included in the envelope were two checks for the proceeds in each of the accounts. No communication prior to XXXX XXXX was received specifying that her accounts would be closed on XXXX XXXX. She immediately called the local XXXX, NY branch. She was told that she would receive a call back once they looked into her accounts. After about an hour, she went in to the same branch and spoke to XXXX XXXX, Assistant Branch Manager. XXXX explained that the accounts had been closed because contact information had not been updated, as mandated by the government. My mother explained that she had followed the directions on the letter and verified all of the information provided. XXXX shared that this apparently was not successfully accepted on the side of M and T Bank. Although XXXX was nice, her hands were tied. She explained that all of the checks that were floating to vendors would bounce if we did not contact the vendors in time. She also explained that the Social Security deposit which my mother uses to pay her bills would be rejected as well. The most upsetting check that was written was to our local church, XXXX XXXX XXXX, for the annual memorial mass my mother holds for my deceased father. All of this is very embarrassing for anyone at any age, especially for a senior citizen. My mother contacted me, in tears, at my place of business. I met her at the branch to help her sort everything out. We were required to open two new checking accounts and deposit the two checks that had been sent in the mail. We were told that although the funds were drawn on the same bank, the funds would not be available until the following day, XXXX XXXX. Ultimately, my complaint is based on the following : 1. A confirmation process should have been in place to show that the action requested by the bank had been successfully received. A confirmation number should have been provided.
2. Prior to closing the accounts a notification letter should have been sent prior to the closing of the account, not after the account is already closed.
3. Once the accountholder realized the accounts had been closed in error and notified the bank in person, there should have been some sort of protocol for the local branch employees to follow in order to remedy the situation.
4. Funds should immediately be available if a proceed check is drawn on the same bank for immediate access to funds.
In my opinion, I believe that this is a systemic problem within M and T Bank. The implementation of this government mandated compliance was not well planned. After taking to social media to share this experience, it became apparent that this has happened to many other accountholders at M and T Bank. My goal is to help other accountholders avoid this experience and create a remedy for those experiencing the same problem. Thank you for your attention to this matter.
XXXX XXXX
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| 04/10/2023 |
Yes |
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- Trouble during payment process
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Web |
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M & T bank is the worst of the worst. Its one headache after another. On XX/XX/XXXX NY HAF sent a payment of {$1900.00} to M & T bank, this was for the XX/XX/XXXX payment, however I had made that payment that month, because I didnt know I was getting that payment. But I spoke to M & T representative and even files a complaint with CFPB Case XXXX XXXXXXXX. They stated in their response that they would keep in the money in suspense until the next payment due, however they didnt do exactly what they said they would do. Now, they keep telling me that they never received the money even thou I have a receipt from NY State Homeowners assistance that they sent the money on XX/XX/XXXX. On XX/XX/XXXX I sent an email with receipts from NYHAF : Good evening, I am writing to you today to follow up on the contact information I requested to be kept up-to-date. Please keep the mailing address to : XXXX XXXX XXXX, XXXX XXXX, NY XXXX, Contact Phone Number : XXXX and Email : XXXX. In addition to this, I am also requesting a phone call from you in the next 3 business days of the soonest the law requires you to do so. I have been trying to get answers regarding my suspended funds of {$1900.00} in my M & T Bank mortgage account, but you have denied me of them. I have provided a payment confirmation from HAF, as well as M & T Bank 's response to my complaint to the CFPB Case XXXX XXXXXXXX, where it was clearly stated that the money would go into suspense. Today, I was told that no suspended balance exists and that M & T Bank had not applied the funds anywhere. I need a call to discuss where my money has gone. My experience with you throughout this process has been extremely stressful and unprofessional. You have lied to me multiple times and denied me my rights. I need a call as soon as possible in order to get the answers and clarity I am looking for. Please contact me at your earliest convenience. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
They never responded to my email, I called today and they just gave the run around and stated that they never received the funds, It is extremely frustrating to deal with M & T bank, its such a disappointment that I never chose this bank, never signed any documents with this bank, my original mortgage was with XXXX XXXX XXXX, and when they sold my loan, M & T bank extended my loan for an extra year of payment, which I only signed up for 30 years. This bank is such crook. I can provide original documentation upon request.
Please look into this, as M & T bank is such horrific bank to do business with and they dont care about how they conduct business. I shouldnt have to pay any extra year if I only sign up for 30 and I should get credited for the money that was paid on my behalf by NY State insurance fund.
Please note that I have attached my mortgage state from XX/XX/XXXX where you can see a suspended balance of {$2300.00} that balance plus money from my bank was what paid the XXXX payment, the {$1900.00} was to complete my XXXX payment, however they have messed my account so bad, because originally NYHAF has sent on XX/XX/XXXX {$71000.00}, but they retuned {$770.00} back to NYHAF and NYHAF was sending the {$1900.00} to cover XXXX. They messed the numbers so bad, that they gave the wrong calculations to NYHAF. It has been such a terrible experience with M & T Bank, and they have messed my account so bad. They dont even care to resolve issues when I email them at XXXX. Attached is a copy of my email that was unanswered by M & T bank.
I really need your help to resolve all of this. Please Thank you, XXXX XXXX
|
| 07/09/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
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I have a ( VA ) mortgage with M & T Bank. The company purchased the loan from another company. In XX/XX/2018, I was behind on my payments. I located and acquired assistance from a staet agency that assists homeowners that has a loss of income and injury. I have both. I have been having problems from a military injury that caused me to have to stop working and as a result lost a large amount of income. I state agency, Georgia Dept of Consumer Affairs, qualified me for the recast program and forwarding M & T Bank {$50000.00}, to pay for back payments and place the rest towards my principle. The payment was sent XX/XX/XXXX. My credit continued to take vicious blows by the company even after them knowing and approving the program months prior. They continued to viciously harm and damage my credit. During the month of XXXX, M & T Bank did not place the payment towards my account and they again hit my credit with another 150 day late on my credit. I called several times during the month to find out what I needed to pay, as my payments was supposed to go down as a result of the large principal payment. My payment doubled! I called and no one was able to tell me what was going on or advise me of what I was supposed to pay. Again they hit my credit. This continued the month on XXXX. The rep on the phone told me to hold off on payment until they finallized the paperwork. XXXX came around, I began to call and find out what I was supposed to pay. Not the {$2500.00}, they sent on the bill! They informed me that they needed to send me a finallized packet, I received it and sent it back. I again made contact, and was told they needed to complet their portion and send the packet back to me and I would have an amount to pay. The month of XXXX no one know what I was supposed to pay. A week and a half after I sent the first packet, another one arrives, out of no where, with the same information. I called and was informed that they made a mistake and I would again need to complete and send back. Here we are in XXXX. I sent in {$900.00}. Not sure of the payment but i wanted to make sure i dont get another hit on my credit, sure enough despite the payment they sent in a late payment on my credit. Today someone call me and said I was late for XXXX. But then say the paperwork is still NOT finished, but we wont charge you any fees for being late. ( THAT DOESN'T MAKE SINCE ). If im late why no fees? I was told not to pay in XXXX! I am so confused at this point and it seems that they are not communicating within the company, nothing matches from the statement, recast paperwork to the representative on the phone. All different information. I am left seriously confused! I dont know what to pay nor do I feel i am being treated fairly. My credit has been left in shambles over these process when one arm does not talk to the other. when I spoke with the rep about my credit, i was told that it would not be fixed, period. I want my credit fixed to take all of these late payments off! I am in constant pain and dont have the energy to fight a large company who seems to be taking advantage of the little guy. I dont know what to pay, no definite paperwork, nothing! when i call to speak with someone else, they always route my call to the " workout department '' whom cant seem to answer questions but i am not allowed to escalate my call or speak with someone of capacity. This has been going on for several months and I find it to be ridiculous. How can a company do this to someone? I dont know what to pay, then my credit is consistently hit, they do know how to report wrong information.
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| 08/31/2015 |
Yes |
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- Settlement process and costs
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Web |
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In XX/XX/XXXX we took out a HUD XXXX rehabilitation loan. The general contractor came to us before the last draw stating he was over by XXXX or more in " extras '' as was looking to keep money which was due to the heating subcontractor who 's payment he received on the prior draw but had yet to pay, I notified our lender M & T bank out of XXXX at the time. All work was ceased as we had to go thru arbitration process. M & T had failed to obtain lien waivers prior to any draw requests which did not protect us, the borrower. The general contractor placed a mechanics lien our house for his alleged extras which was dismissed after arbitration in XX/XX/XXXX. The heating sub also placed a lien as well which was valid and paid after arbitration and rightfully so. When is Initially happened, I contacted the White House at who referred me to HUD. I spoke with XXXX XXXX back in XX/XX/XXXX from the XXXX office. I told him what transpired and he said it was impossible as the bank requires lien waivers. M & T at the time did not require lien waiver prior to draw disbursement and therefore, did not protect us. Since our issue they have changed their policy and now require a waiver prior to draw release, This is 5 yrs later and we are still financially affected from this due to work we paid for out of pocket that should of be down under the rehab loan, plus attorney fees. Never mind the work still remains which we do not have money for. I have been trying for years to get this point across ... the fact is M & T back did not follow the governments guidlines and policies and procedures but it us the homeowner who still suffering and affected due to this mishandling. Our loan has since been sold to XXXX, but I am seeking acknowledge that M & T bank did not protect us. I will get you more information so you look into this matter. I have tried several offices at Hud, only to get Bounced around. XXXX XXXX XXXX is no longer with HUD XXXX office but he specifically told me that lien waivers should of been obtained. Had they been I would not be writing to you today and till trying to get someone to acknowledge that we were not protected. As a result of all financial issues M & T caused us, we has to go thur a modification process. We won america 's most desperate landscape in XX/XX/XXXX due to the condition he left our front yard and house in. You can see before pictures on line. Again the inside still requires work we have not been able to afford. We have a special needs child who has XXXX and is a XXXX that we were trying to get the house together for. The house is inefficient as work is needed therefore heating is more int the winter. To M & T bank this was corrected, they changed their procedure adding lien waivers protecting them selfs. We are still waiting to be correctedThe address of the property is XXXX XXXX XXXX, XXXX XXXX.
Our account number with M & T bank was XXXX am determined for someone to acknowledge and hold M & T bank accountable. I have written to the White House previously, which is how I cam in contact with XXXX XXXX XXXX. I have tried to get several other HUD agents to look into this matter. I will contact the White House again. Please let me know what you can do for me or who I can turn too. This is not a small matter as it has ruined us financially and emotionally.
It says you can download attachments, I have and can get all documentation, but not if I send right now, I 'm sure M & T has their case file and all you need to verify is how they did not proctect us but since they require lien waivers when they should of at the time of our loan.
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| 06/21/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
Servicemember |
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My M & T Bank checking account became overdrawn by small purchase that I made via XXXX and my XXXX balance was insufficient and it mistakenly used my M & T checking account as the default backup funding source. M & T covered the debt and then charged me a {$38.00} overdraft fee. I did not opt-in to the bank 's overdraft coverage plan so they should have just rejected that transaction and any subsequent transactions. Instead, they just paid or rejected 3 more small charges on that day and charged me {$38.00} for each occurrence totaling {$150.00} so my account balance was negative {$180.00}. The majority of that negative balance resulted from the bank 's fees. This was on XX/XX/XXXX. I called the bank when I realized this on Thursday, XX/XX/XXXX. I asked if they could waive these fees so I could deposit money into the account to bring it positive so it would stop any further bleeding. The customer service rep said she could not do anything but that maybe if I visited my local branch they might be able to assist me and possibly waive some of the fees. I also asked her to either stop or freeze the account or do whatever they could to reject any further incoming debits so I would not be charged additional overdraft fees. She said she could not but she did check my account and assured me no additional overdraft fees would be charged to my account.
I was unable to make it to the branch the next day but was able to go the next business day on Monday, XX/XX/XXXX. I spoke with a branch representative and she was able to waive two of the fees but at this point, two more overdrafts had occurred, so my account balance was still too negative for me bring to positive. Again I asked if there was some way for them to freeze my account or reject any incoming debit transactions but again she said she could not.
I left the bank and the next day called the bank and asked to speak with a supervisor or manager. I asked for assistance with my account but once again they said there was nothing they could do. At this point, my account was charged an extended overdraft fee and now my balance is over - {$400.00} negative. And over {$350.00} of that negative balance is the bank 's overdraft fees. I asked to CLOSE my account and she said it can not be closed if it has a negative balance. I explained that I could not afford to fund it to get it positive and that it would just continue to be charged overdraft charges unless they could assist in waiving or even forbearing the charges for now for me to get the account positive. She said there was nothing she could do. I also attempted to use their on-line problem resolution ticket system but never got a response.
This situation spiraled out of control due to the bank 's initial and mounting overdraft charges. If they had rejected those few small initial purchases it would not have dropped the balance so negative and I would have been able to deposit money into the account to cover any additional debit transactions. I did not opt-in to this overdraft coverage so they should have rejected those debits and they also should have been able to reject any further debits as I requested four times.
If M & T Bank had rejected the initial small transactions when the account balance was low it would not have been overdrawn and then I could have been able to resolve the problem by adding funds to my account. Instead, these fees just continued for every small debiit as I was unable to get my balance positive against the mounting overdraft charges. When I contacted them all four times they should have acted to resolve the problem.
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| 12/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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About three years ago the XXXX, new york branch manager at M & T bank, XXXX XXXX, recommended that in order to help my daughter XXXX XXXX pay off her credit card debt that i create a secured account from which her debt would be paid. that way there would never be a risk to my own credit while helping my daughter. it was explained to me that this is a cash secured loan and the bank would take possession of the funds if my daughter failed to repay the loan as agreed. i thought this was a great idea. XXXX made monthly payments and after she got married she could no longer afford to do so.
i immediately received a phone call from the bank stating that XXXX was late on her payment and i reminded the bank that this was a cash loan i secured and they should not be concerned because my funds would cover the amount owed. after receiving a few more phone calls and after requesting that the bank confirm with my branch manager, XXXX, that this was not a loan from the bank but a secured loan from me, i demanded they cease calling me and simply confirm that what i was saying was true. unfortunately, they never did.
i reached out to XXXX via text over a year ago ( attached ). i even at that time in my texts asked her how much funds would be available to me if we paid the balance at that time ( see attached texts ). it must be remembered that at no time was the bank at risk because my funds were used to secure the loan to my daughter. it should also be realized that although the bank called me since XXXX at no time did they report a negative action on my credit.
it was not until i contacted XXXX and used my secured funds to close the loan account that approximately 10 days later, even though there was no longer a loan, the bank chose to report me as being more than 90 days delinquent to the credit bureaus! even more ludicrous is the fact that they mailed my daughter that the debt was totally paid ( see enclosed ).
when this happened i contacted XXXX who felt bad because we were friends and she knew that i had been in the branch multiple times to speak with her. therefore she contacted the credit division of the bank advising them that they were incorrect and asked that they repair this situation to which she sent me an email stating they refused. their stated reason for refusing to remove the negative reporting is that they contacted me several times via phone and mail. see attached. i NEVER received any communication via mail and the times i did speak with the bank over the phone i asked that they use the secured funds.
the bank failed to used the secured funds as was their obligation. this is the only reason i set up a secured loan to begin with - to not have an issue with my credit in the event my daughter defaulted on the loan payments!!!
at no time did XXXX state that they could not repair my credit because i defaulted because that would not be true and at no time was there ever risk to the bank because all funds were secured with my cash. at no time did the bank report me to the credit agencies over the past few months. it is only now, after i closed the secured account, that approximately 10 days later they reported me as more than 90 days delinquent. this has lowered my credit scores across the board and increased my bills including car loans .... for my family and children.
i respectfully demand that they correct their error and correct their report showing no deficiency or delinquency to the credit unions where they negatively reported me. i request that any damages economically that this will cost me until this is resolved.
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| 10/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX/XXXX I was the victim of a scam. I had a charge on my XXXX credit account by way of an app. I called a number to reach XXXX which was provided by the app to dispute the charge. Unbeknownst to me, it was a scam. They answered as XXXX, and provided their name and employee number. He advised he could see other charges on my account for items purchased out of state. I advised they were not my charges. He requested access to my phone so that he could put blocks and limits on my accounts that were on my phone. I allowed him access. He accessed my bank and processed a transfer via XXXX. I never used XXXX before. He claimed the transaction was a test and that no money would be withdrawn from my account. This was the scam as I immediately saw {$1000.00} come out of my account. After arguing with him to get my money back, I hung up. I immediately contacted M & T Bank and froze my accounts and filed a dispute. I also became aware that they tried to transfer money via XXXX as well, but by freezing my accounts, they did not get that money. The next day I went to the bank branch and opened new accounts. In response to my dispute, I received a letter dated XX/XX/XXXX from M & T Bank stating that the XXXX transaction was processed correctly and they were denying my claim. Of course it looked like the transaction was processed correctly. The guy obviously knew what he was doing, but if they really investigated the transaction, they would see that they sent the money to one person, but used a strange XXXX account which actually sent the money to a different person. I called the bank to speak to someone in their fraud department and was told there was nothing they could do because I gave the person access to my phone. Yes, I let this person have access to my phone but I obviously thought he was helping me. I would never let some random stranger have access to my phone. However, it doesnt matter to M & T Bank that I was scammed into it. I also tried contacting XXXX, but could not reach anyone to help me because the transaction was done through my bank. I am submitting this complaint because M & T Bank is refusing to acknowledge the scam and return my money. I have found many news articles on line that state that XXXX is popular among thieves and that each year millions of dollars are stolen from consumers through XXXX in fraudulent transfers. Banks are aware of this and XXXX is aware of this yet nothing is being done. I should be able to get my money back regardless if I allowed him onto my phone because I was lied to and scammed. I believed I was being helped. As mentioned, there are many articles about this and one such article dated XX/XX/XXXX from XXXX XXXX states that XXXX XXXX XXXX found fraudulent transfers over XXXX exceeded {$250.00} XXXX last year alone. By federal laws and rules enforced by the Consumer Financial Protection Bureau, banks are required to refund customers for fraudulent and unauthorized transfers. Senator XXXX office has stated that banks that are not repaying customers who contest XXXX payments are potentially violating federal laws. The Consumer Financial Protection Bureau also confirmed that consumers are not liable for payments initiated by a third party who obtained the consumers payment information through fraud. The person who had access to my phone was granted access through fraud. I am requesting that M & T Bank repay me in the amount of {$1000.00} which was transferred out of my account by way of a scam. My money is insured. I was scammed. I should be able to recover the funds.
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| 05/12/2019 |
Yes |
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- Trouble during payment process
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Web |
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Saturday, XXXX XXXX I received a letter from M & T Bank stating i have an outstanding balance of {$2000.00} that was payable XX/XX/XXXX, XX/XX/XXXXXX/XX/2019. I am confused how this has become a balance. I paid my mortgage on XX/XX/, XX/XX/XXXXXX/XX/2019in the amount of {$2000.00}. Here is the email history I exchanged with M & T Bank regarding my payments : XX/XX/2019 : ( me ) XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXwe received our Annual Escrow Account Disclosure Statement. We have mailed in the payment amount of {$110.00} to the address provided. Moving forward we would like our monthly mortgage payment to remain {$2000.00} ( {$1900.00} mortgage / {$120.00} principle ). Please let us know what documentation needs to be completed for this to happen. Thank you.
XX/XX/2019: ( M & T ) Thank you for your inquiry. I have noted this account with the anticipated payment information. Please be advised, your payment includes a monthly escrow deposit that is subject to change in accordance with the amount required for each item included in your escrow account. A mortgage payment would only be affected if the amounts of one or more of your escrowed items changes. To adjust the additional principal amount drafted with the monthly payment, please click on M & T Mortgage under Loans and click on View My Mortgage Info. There will be a pop-up message to advise that you are leaving the page and logging into the My Mortgage Info website. Select Yes, continue to fully access your account. To update your automatic payment information, please click on Auto Draft Payment. Then follow the steps provided. Once the changes have been made, you will receive a confirmation email to the email address of record. If you have any further questions or concerns, please feel free to contact our Customer Service Department at XXXX-XXXX-XXXX-XXXX.
I followed these steps and sent the following reply Thank you for providing me with the steps. I have followed them and received an electronic confirmation with my updated mortgage ( {$1900.00} ), and principle ( {$120.00} ) for a combined total of {$2000.00}. Can you please make sure this change will be permanent until I change it next year, because of right now the confirmation just shows it for myXX/XX/2019 mortgage payment? Thank you.
May 3 I sent an email after I noticed the payment withdrawn was in the amount of {$2000.00} instead of {$2000.00}. This is the reply I received from XXXX XXXX, Mortgage Customer Support : I have reviewed this account and confirmed automatic drafting is setup on this account ; however, the XX/XX/19 payment was submitted via our Mortgage website as a one-time payment and the normal drafting did not occur. Therefore, the normal additional principal payment was not drafted. Also, {$130.00} additional principal was drafted with the XX/XX/19 payment.
I am confused why it states a payment was set up for XX/XX/19 when I was informed how to set this up on your website, which I did starting in XXXX. I am even more perplexed as to how this has become a legal issue, as I have always made my monthly payments on time, including the payment in question, and how I am being charged 12 % and incurring a {$300.00} fee on top of a {$15.00} service fee for a payment that went through. I have faced countless issues with M & T Bank annually after paying our escrow and trying to reset our mortgage payment, but continue to run into similar issues, no matter how hard I try to comply with your rules. I look forward to a quick reply before this can escalate any further.
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| 04/16/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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On XXXX XXXX, I attempted to withdraw money from my M & T checking account using my debit card, and the ATM told me I was n't able to due the balance in my account. I immediately went into the XXXX, XXXX branch to review the transactions, and I identified XXXX fraudulent ATM withdrawals : {$500.00} on XXXX/XXXX/16, {$400.00} on XXXX/XXXX/16, and {$100.00} XXXX/XXXX/16. That same day at the bank, I submitted a card dispute indicating that the card was in my possession at the time of the withdrawals, but the withdrawals were not made by me.
The day after I submitted the card dispute, I returned to the XXXX, XXXX branch of M & T and provided a time card receipt from my employer showing I was clocked into work in XXXX, XXXX at XXXX XXXX ET on XXXX, which was only XXXX minutes after the fraudulent withdrawal for {$500.00} was made in XXXX, XXXX at XXXX XXXX ET, as shown on my bank statement. It takes over a half hour to get from XXXX to XXXX, so the time clock audit I tried to provide the bank from my workplace, shows that I could n't have made the withdrawal at the XXXX, XXXX location. When I attempted to provide this documentation to the Associate at the XXXX branch, the Associate helping me was not interested in reviewing this documentation, and I do not believe it was submitted as part of my dispute.
I have returned multiple times since then trying to provide this documentation and understand why my dispute was n't going anywhere, and none of the people I spoke with at the bank assisted me with submitting the documentation for my dispute. Each time I visited, no one seemed to know what was going on. I also had to ask the bank whether they had shut my card off, and the Associate I was dealing with said she did not know.
While M & T initially gave me credits for the disputed withdrawals, I found out that they ended up reversing the credits, which took my account balance below {$0.00}. When I asked to see documentation, the teller at the bank did not provide documentation, but only said the claim was difficult to investigate because the fraudster got my card PIN right on the first try for each withdrawal attempted.
I have not received any communications regarding my dispute from M & T. Each time, I 've had to visit the branch to find out what 's going on and why I do n't have my money back from these fraudulent transactions. My mother, who is the secondary holder on the account ( and who lives in XXXX ), informed me that she received a letter in the mail saying my dispute had been denied due to lack of documentation, but I attempted to provide documentation and the bank did n't take it. Furthermore, any communication about this dispute should not have been sent to her, it should have been sent to me, as she is the secondary holder on the account, and not the cardholder for the disputed transactions.
I went back to the XXXX, XXXX branch 2 weeks ago to re-submit the dispute, but I have yet to hear anything back about the new dispute I opened. Furthermore, due to the credits being reversed from my previous dispute closed by the bank, my account was overdrafted and I have now been charged {$77.00} by the bank in overdraft fees.
I 'm filing a complaint with the CFPB, because I have visited the M & T branch 2-3 times a week since this started trying to get this issue resolved, and have still not been able to. I feel that the bank has not investigated my claim properly, followed the correct procedures, or been able to provide me with the documentation about my dispute that I requested.
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| 06/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Money Missing From The Escrow Account We are not professional accountants, bankers, etc., so we did not see this problem right away.
In XXXX of XXXX, M & T Mortgage started taking two ( 2 ) deducted amounts from our monthly mortgage payments ( of different amounts ) over the past 12 months. XX/XX/XXXX to current. ( See bank statements attached ). And we discontinued escrowing property insurance through our mortgage payments in XX/XX/XXXX.
Based on those deductions ( Just For Taxes ) from our mortgage payments the escrow balance should be approximately ( {$19000.00} ). Minus approximately ( {$7000.00} ) cost for property taxes, if taxes were paid. That should leave an escrow balance of approximately ( {$12000.00} ).
But our XX/XX/XXXX M & T Bank Statement shows an escrow balance of ( {$1700.00} ). We need M & T Bank to place that ( Missing ) Escrow Money of approximately ( {$10000.00} ) in the escrow account immediately.
And we need M & T Bank to put the correct amount of escrow money that should be in escrow on our [ XX/XX/XXXX mortgage statement ].
And if they have paid any ( Taxes ) please state and show that on the mortgage statement and in their response.
Funding The Escrow Account We can not allow M & T Bank to come up with these elaborate ways to deplete, us, the property owners of all extra funds left over after paying the actual mortgage payment.
In [ XX/XX/XXXX ] we put together and spent ( {$35000.00} ) of our own money to put a new roof on the property being discussed in this complaint. So additional money in escrow has never come to our assistance regarding this property.
For example, we are paying the same mortgage payment ( {$4600.00} ) we were paying ( before we Stopped escrowing insurance. And a year later, we are still paying ( {$4.00}, XXXX ).
Currently to escrow taxes there are two deductions coming out of our mortgage payments : {$530.00} and {$660.00}.
We want M & T Bank to discontinue taking an additional ( {$660.00} ) out of our monthly payment to escrow taxes.
Also, as stated before, last year in XXXX of XXXX we put together and paid ( {$35000.00} ) of our own money to have a new roof put on this property. So we can not afford any elaborate ways of M & T Bank trying to come up with, to ( Triple Fund an Escrow Account ) off of our Financial Backs.
Note : We should not have to file a complaint to have money placed back in the escrow account that should have never been missing from there in the first place.
The escrow account is being deposited with funds that should be coming to the owners because there is ( no escrowing of insurance ). And there should be a lowering of the mortgage payments because of this.
Mortgage statements should not say ( escrow insurance ) it should say taxes only for escrow.
M & T Bank has a permanent increase of the mortgage payments of ( {$50.00} ) every six months.
We are paying a ( 30 year loan ) instead of a previously agreed ( 15 ) year loan because and allowable by one owners unwittingly signature. So that funding that would have been available is not available to help with cost for the property, way at the 15th year or beyond.
So I say ( M & T Mortgage ) is taking enough from the property owners for this one property.
XXXX XXXX & XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, FL XXXX ( XXXX ) XXXX Affiliated Companies/Financial Institutions : M & T Corporation XXXX XXXX XXXXXX/XX/XXXX, NY XXXX XXXX M & T Plaza ( XXXX ) XXXX M & T BANK XXXX XXXX XXXX XXXX, NY XXXX XXXX https : //www.mtb.com/home-page
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| 09/27/2022 |
Yes |
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- Trouble during payment process
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Web |
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Hi, First let me say, I never missed or late on my mortage payment since the inception date back to XXXX or XXXX. It's been sold to M & T bank in the last few years or so. Also, never been late or missed a payment. I'm 25 years in and more than 85 percent of my loan is paid for. There's is an error with my escrow account and M & T Bank is giving me the run around. I received the Annual Escrow Account Disclosure Statement letter date XXXX. I notice my payments were going up XXXX more a month because of the shortage. Almost making my mortage payment double. All the other years with XXXX and with M & T bank I will get an optional payment to make the difference before a certain date before the new payment starts in XX/XX/XXXX. This time I did not received one!
I started calling on XXXX and spoke with XXXX, XXXX ( manager ) and others. I wanted to know 1. Why I was given an option payment to allow me to make the difference in the escrow account. Last year escrow statement dates XXXX. I was given a escrow shortage coupon for - ( XXXX Exhibit XXXX ). If I paid it my monthly payment would be XXXX. But this year they would not give me the escrow shortage coupon. XXXX and others said it was against the law to ask you to pay anything. I could not get answer for what Law? I look on the internet and called the FHA Resource center for some answers. M & T Bank kept on saying I will be XXXX in the negative balance. I kept on asking what I need to put in the escrow account because it was not XXXX? The taxes increased to XXXX more a month and the insurance stayed the same. Also, 2. I wanted to know why the escrow account analyzed Taxes were due in XXXX making my account XXXX ( exhibit XXXX ) Actually, in XXXX in real time I was only XXXX ( exhibit XXXX ). My real estate taxes are paid in OCT. not in XXXX. I was told they need to be estimate in a head of time. Then I asked if this is so, they are why my hazard insurance that is actually due in XXXX is on the correct due date in XXXX Why you did not put this on the XXXX pay out line. I ask for all my questions to be address in writing, but I received something entirely something different. M & T bank is trying to make a hardship for me so I can default on my loan. I'm at the last XXXX Who's pays XXXX more on a XXXX loan which is set to be paid off. I ask to speak with the escrow department. I was told I can't speak with them, and they do not speak with the public. I've been paying XXXX to XXXX to get rid of them. I asked what if I put XXXX in the escrow account what will my payment be? I could not give m an answer but " just put it in there and call us back '' I put the money in the escrow account on XXXX. Now, I'm told wait for a letter or check online. 1. I want to know what law that does not give me the payment option when you have an escrow shortage? 2. Why I can't speak with the escrow department when I spoke with the real estate TAX department XXXX. Why your Escrow account statements did not reflect up to date real number and dates for taxes to be paid? I was on the phone XXXX and XXXX my current statement says XXXX ( exhibit XXXX ) but your escrow statement says XXXX. Yes, I know my account is short, but going forward you also make the different in my monthly payments. I needed a letter because I can't designate what payment to go where? I can't pay for my own insurance and taxes. It would have been nice too! I was not given any options! It's something not right with this M & T Bank. Consumers should have option when they loan is sold.
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| 02/08/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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This complaint is against M & T Bank. Our basement flooding XX/XX/2016. All the usual standard protocol was done with our insurance company. The check was made out to us and M & T Bank. We had to mail the check, as there is not an M & T Bank in the tri-state area. We had to rent, out of our own pocket, a dumpster and mildew/mold solution to spray on a very, very small area, per insurance inspector. M & T refused to forward said check back to us until they had an inspector come out and document that we had done 50 % or more so far of the project. We did. The inspector was under the impression that once he sent in his documentation, the check would be mailed to us. Nope! M & T does not like the fact that we are capable of finishing the work ourselves. We had done all the water extractions, removal of flooring, etc. ALL before their inspector came. M & T requested a " letter of intent to repair ''. We faxed said letter and followed up with phone calls. M & T then would requested a " cost list '', which was submitted originally by insurance appraiser. We submitted a " cost list '' and in this letter did a breakdown based on our ins. co. appraiser 's list of the work we have already completed ( prior to M & T Bank 's inspector ) as well as the type of flooring we were planning on purchasing from XXXX. Then M & T Bank requested a " We have the ability and experience to complete all repairs '' letter. We faxed said letter. In between all these requested letters, we have spoken to " Loss Draft Department '' employees of M & T Bank. We 've been told that " normally '' contractors do the work. One " Loss Draft '' employee said that since there was no structural damage and that in our state the only required contracting for this type of claim would be a plumber. That 's not needed as our bathroom was n't touched by the flood or the cause of the flood. I was told by the same M & T employee that her Team Leader had the power to release the check. She called back and said that we had to send in the " We have the ability... " letter and they would send it all out to corporate. A phone called was made yesterday and the same employee that we had dealt with more than anyone else was unavailable and so a new employee was thrown in the mix. She asked what it would take for us to purchase the flooring. I proceeded to tell her about the break-down list that was faxed and that we had done all the work minus purchasing the flooring and pain for baseboards, so those funds are the minimum that is due to us. It was n't a pleasant conversation. She said that " XXXX '' would be calling us back. She did n't. I called this morning and was that she would have to call us back. Several hours later she calls and said that " they need our receipts '' to give to corporate. I lost my mind. She said she was just telling us what her Team Lead told her. We have over and over and over and over, etc. told M & T Bank that we are doing the work ourselves. There was no structural damage, only cosmetic. I asked for the Team Lead 's name and she said she would call us back. We are completely right back to square one. What I do think is the Team Lead is going to ask me the same freaking question the lady asked me yesterday and that would be how much for the flooring. They sent us a check for XXXX?? for the dumpster because we had the receipt and faxed it. After reading all the complaints on the FDIC site about M & T, I will warn any and all to never get a mortgage with them. XXXX, for that matter a checking account.
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| 07/29/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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I tried to make the monthly payments on my mortgage but since I was only on the deed and not on the loan the bank would not accept the payments due to the fact that I did not have sufficient enough information and they could not assist me because of their privacy policies. I could not get any help or information until the foreclosure process started. Contempt charges were filed against my ex for not signing over the deed, not giving me the required information, and letting the house go into foreclosure before the foreclosure process started. I informed M & T Bank of the contempt hearing but they informed me that I could not stop the foreclosure unless M & T Bank was subpoenaed to testify. I informed them that they were being subpoenaed to testify but the bank never stopped the foreclosure because they said their legal department was not informed of any subpoena. However, the banks legal department called my attorney to confirm that a representative from the bank would be attending the hearing to testify. I was never given any options unless I attempted to make a payment first. My hearing was postponed by the judge and rescheduled so the bank had to be subpoenaed again to appear at the new hearing with the foreclosure being pushed fast despite the fact that the bank itself would not accept any payments from me until the house went into foreclosure after which gave me access to the information needed. I was even told by the bank three days ago that I could not do anything once the house was in foreclosure and I should have taken care of things before it was in foreclosure even though I was told I would n't be given access until it was in foreclosure. There was a stay requested on the property issues at the contempt hearing to get payoff information for the judge to make a decision with another hearing date being scheduled because the attorneys told us that it would take 48 hours to get the information. The information was given to us which was good for three weeks but a little over a week after receiving the information the Final Loss Mitigation Analysis was filed stating that the bank has not been able to establish any contact. I tried contacting the bank leaving several messages since XXXX XXXX, XXXX almost everyday 2 weeks before the final loss was filed and finally received a call back on XXXX XXXX, XXXX a few days after the filing of the final loss but they would not help me or give me any options. I have been given 25 days from the filing of the final loss ( XXXX XXXX, XXXX ) to request mediation but before this time has ended my house has already been scheduled for auction and was given a date, location, and time of the auction. My home is even being foreclosed on before the judge could resolve the contempt charges on the property issues that were filed before the foreclosure was filed. I have been trying to payoff the mortgage in full since XXXX XXXX, XXXX when my loan closing was scheduled and got cancelled because the deed was not signed. I keep getting told that the bank is not in the business to take my home but they sure have pushed the foreclosure through trying to take it not giving me any options or time to resolve the contempt issues. I am attaching proof of the court hearings scheduled, contempt charges filed, the stay on the property issues being in contempt, and the subpoena served on M & T Bank twice to testify at the hearing on the issues of the loan. Due to the many pages only the ones that pertain to the issues will be included.
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| 11/05/2021 |
Yes |
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- Trouble during payment process
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Web |
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My husband ( XXXX XXXX, XXXX ) and myself ( XXXX XXXX ) jointly own property located at XXXX XXXX XXXX, XXXX, NC XXXX. We participated in the federal forbearance program during Covid-19 hardships. Our forbearance was supposed to be closed and handled the first week of XXXX. The property is jointly owned, but financed in my husband 's name only because at the time we were advised we would benefit more from him being a first time homeowner and veteran. I had previously had a mortgage. When our current home was purchased, we owned our property ( jointly ) and used it as a down payment on our home. My husband died on XX/XX/2021 ( non-covid related ). I called M & T bank and let them know what had happened and tried to handle the forbearance and make the XXXX house payment. They have talked to me the entire time they have owned the mortgage, this time refused to talk to me at all. They informed me I needed to be made an administrator of the estate. I called XXXX County XXXX XXXX XXXX XXXX and they told me because of the limited assets and that my house was not considered an asset and automatically went to me, I was not needing to or required to open an Estate. When I relayed this to the bank, they refused to speak to me and forced me to open the Estate anyway. I went back, opened it when I did not need to, had to pay that fee, get bonded and insured, pay to run the add in the paper as well. All the using money, that M & T bank could have had sent to them. My appointment was set for XX/XX/2021. That was the first one I could get. I stayed in contact with M & T Bank. In the meantime they sent me a document with items from two different lists ( one from each list for me to send ). The document stating that was what I needed in order to be able to talk about the loan and end the forbearance. I sent a cover letter, marked the form and sent a Letter of Administration and a Death Certificate ( both of which are on the list to choose from ). I spoke with XXXX XXXX after it was received from M & T Bank and was told I would be resuming my payment in XXXX and I chose to do the balloon payment at the end. All of this time I had already been trying to pay. When I tried to pay in XXXX, I was again denied the ability to pay. I never received a letter or explanation of this change. I called Ms. XXXX and she said someone " higher '' up was trying to make me qualify for the mortgage and start over. She immediately put me back on forbearance to save my home since the bank would not let me pay my payments. I have not received any mail communications since. When I call the main number for a regular representative, once I give my information, I am put on hold and then disconnected. I reached out to Ms. XXXX personally today ( XXXX XXXX ) and left her a voicemail. So far, she seems to really care about my situation. I do not know what to do at this point. This is the 3rd bank to own my mortgage. XXXX with FHA insurance was our original financer. Then XXXX XXXXXXXX XXXX held us briefly and now M & T has been our mortgage provider for years. I feel like my bank is trying to foreclose on me when I have the money to pay the payments behind my back. NC estates state they are not abiding by NC law and from what I am researching they are not abiding by foreclosure rules either. I was already a joint property holder. Taxes even come jointly. According to XXXX XXXX XXXX the house automatically went to me. All I wanted to do was pay my house payment. Please help.
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| 09/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I have had a mortgage through XXXX XXXX for over 10 years with no issues. XXXX sold the loan to M & T Bank in XX/XX/2019. I was not " contacted about this change by either XXXX or M & T ''. They both sent paper letters via USPS to the physical residence of the house. I have told XXXX in the past not to send anything important to that address as is not secure.
I did not receive and EMAIL, Phone call, text and was not documented on my XXXX XXXX online account. There were no messages on this account detailed the sale of this loan. The information on XXXX XXXX account says : MORTGAGE LOAN ( ... XXXX ) " Important : We aren't able to show your account activity online. '' I took this as they are having technical difficulties as it does not sate loan was sold.
I have been making payments to XXXX XXXX using automatic bill pay. Payment come out every month automatically without me doing anything. I received no warnings from M & T Mortgage in the form of EMAIL, phone, text they were not receiving payments. I received no warning on my XXXX banking or mortgage accounts pages. They said they sent by USPS which I have not received. ( there is an ongoing issue with USPS as mail has been missing/stolen/not delivered or throw out by roommates as junk mail. ) I found out about this issue when I received a notice from my credit monitoring service that my credit score took a big hit due to M & T reporting. I have been in the process of getting my credit score back in the 700 's where it used to be. I have made all my payments to everyone on time for well over a year. M & T sent derogatory data that tanked my credit without contacting me and getting a response from me in any way - ever. M & T has NEVER verified with me the details of this account ( they sent paper via US Mail which is NOT contacting me ). M & T had never received anything from me verifying I am aware of this change.
I contacted XXXX and asked where the money I have been paying for the mortgage is going and why was it not sent to M & T. XXXX advised they " have '' been sending to M & T. M & T says they " have not '' been receiving these payments. Asked M & T to contact XXXX and figure it out and remove from my credit report. They refused to call or remove or even look at it.
This to me is an issue between XXXX and M & T Mortgage. XXXX sold loan to make money. M & T purchased loan to make money. They have the responsibility to " make sure '' their customers know about this in the form of some kind of acknowledgement. All they did was send paper in the mail and hope it got there.
At this point my credit is tanked and neither M & T does not know where my money is. There official position is they " never '' received any of my payments from XXXX. XXXX has provided documentation of the payment transfers and I forwarded on to M & T. I have not received a response from M & T. Called them and was told they will look into it and will NOT give a status. Can not tell me if they received the documents. Advised I have to wait for them. M & T has not shown decent customer service and have not been willing to contact XXXX or do anything at this point. They told me this is my issue.
I did not ask XXXX to sell the loan I did not ask M & T to buy the loan I am in the middle of a disagreement between two banks who give me contradictory information and they will NOT talk to each other - threw the issue to their customer on a transaction they both did to make money for them - not me.
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| 07/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Peoples United Bank ( Peoples ) was the originator of my mortgage loan, and since the origination in XX/XX/XXXX, my XXXX has maintained the same master insurance coverage. At the time of the origination, People 's reviewed the XXXX XXXX insurance coverage and was satisfied. Pursuant to Connecticut General Statutes ( CGS ), specifically CGS 47-255 ( a ), any XXXX master policy in Connecitcut must cover all betterments and improvements installed by unit owners, unless a certain exceptions apply. The XXXX XXXX insurance agent has also issued a walls in letter stating that the master policy covers the buildings and units to their original specifications as well as any additional installations. I had no incidents for the two years when the mortgage was held by People 's. M & T Bank ( M & T ) took over People 's in XXXX, and send me a notice regarding insurance, and I personally submitted a copy of my XXXX XXXX master policy at a local M & T branch. Over a year later in XX/XX/XXXX, I received another letter from M & T, mistakenly claiming that my XXXX master policy did not contain walls in coverage and advising me to purchase additional insurance. I purchased an XXXX unit owner insurance at the behest of M & T, wasting hundreds of dollars. I was even more surprised to receive further letters dated XX/XX/XXXX and XX/XX/XXXX demanding that I pay {$91.00} and {$2000.00}, respectively, for allegedly allowing my XXXX insurance to laspe during a historical period from XX/XX/XXXX to XXXX. Neither People 's nor M & T had never informed me that XXXX insurance was required until XX/XX/XXXX.
First, as explained above, my XXXX master policy pursuant to Connecticut state laws and in fact does include walls in coverage. Second, even if Peoples had erred in the origination and my XXXX master policy in fact had not included walls in coverage, M & T, as successor to Peoples, should bear the cost of Peoples failure in due diligence. There is no basis in law or equity for a bank to demand its customers pay for the banks own mistakes. Third, pursuant to 12 CFR Part 1024, mortgage servicer may only bill mortgagors for a bona fide and reasonable charge in connection with force-placed insurance. A bona fide and reasonable charge is a charge for a service actually performed that bears a reasonable relationship to the servicer 's cost of providing the service. M & T 's demand for over {$2100.00} for a condominium owner 's insurance, covering a period of less than a year and duplicating coverage already provided by a master policy, exceeds the market rate for such insurance by no less than tenfold, amounting to over {$7.00} per day, and is the polar opposite of bona fide and reasonable. Fourth, if my XXXX XXXX master policy had not included 'walls in " coverage, M & T should have promptly notified me of this fact in XXXX, giving me a reasonable opportunity to address the problem. Waiting over a year to provide notification about an alleged historical problem, at a point when it is impossible for a customer to obtain retroactive insurance coverage at a reasonable price, combined with an arbitrary charge that is completely out of proportion with market price is akin to extortion and reeks of racketeering.
Due to the above reasons, I believe M & T 's actions are outrageous, illegal, deceptive and extortionary. I urge CFPB to protect consumers ' interests by launching an investigation into M & T 's busines practices after its merger with People 's.
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| 05/02/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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We have been attempting to work with M & T Bank on a short sale relief option as an alternative to foreclosure for about a year now. We have complied with all of the bank 's requests for submission of supporting documents ( pay stubs, letters of hardship, tax returns, bank-specific documentation, bank account information, etc ), only to have been met with continuous delays on the bank 's behalf, incomplete, inefficient, contradictory foresight / guidance on the bank 's procedures for short sales, rude M & T representative communication, inaccurate / repetitive requests and status updates.. For example, the bank has inexplicably " lost '' or failed to acknowledge previously submitted documentation, the bank has stated on numerous occasions that our foreclosure case would be halted while in review for retention / short sale review, while we have continued to receive motions against us while negotiating for a short sale ( on one occasion their representative flat out said that despite what they actually say, they ca n't ever guarantee that the foreclosure would be halted and that other representatives are wrong when stating this ), the bank seemingly changes requirements depending on the person involved in the same process during the same time frame.. Overall, as a able-bodied, knowledg-ed professional, I have found the entire foreclosure process with this bank to be borderline fraudulent - I have never in my life been involved in such an inefficient / ineffective " process '' .. The goal of this is to assist homeowner 's with alternatives to foreclosure, but I can not honestly come to any other conclusion that the process is simply " for show '' because they are required to do this by law, with no true emphasis / intent on actually assisting homeowner 's to their best ability to actually avoid foreclosure. In my eyes, the current process in place by this bank is set up for failure, the time elapsed between " required '' reviews is set up in such a way that you 're caught in a continuous loop of submitting / resubmitting essentially the same supporting documentation ( every 30 days ), which inevitably resets the amount of time to be reviewed for retention prior to short sale - which means just based on all of the time in between documentation submission and re-reviews of the same documentation, you 're constantly being sent back to the start of the entire process ( ie " Shoots and ladders '' ) - this is in addition to constant new requirements being discovered as we move a long through the process and withholding of complete information in regards to the process upfront.
In summary, we have yet to get a complete short sale review from the bank in a year 's worth of time, despite having submitted an offer more than 6 month 's ago and always complying with the bank 's ever-changing requirements.
It has been the worst experience of my life in dealing with a " system '' that is designed to assist others.. meanwhile we have continued to be intimidated by the foreclosure proceedings threatening to take the property with no respect to our willingness to work out an alternative with the bank. Please see the attached letter for a full description of my particular role in the situation, as I am not even a primary resident of the property and in the end, was only attempting to do something good for a friend in need - and are once again trying to do the right thing now by working something out to get the bank their property back.
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| 09/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I am writing you today to express my frustration in working with M & T Bank on a mortgage modification under the Making Home Affordable program instituted by the Obama Administration. I am at a loss as to what to do now that will encourage them to act in a timely manner to finalize a modification process that began over 4 years ago. It is my hope that in filing a complaint that a resolution regarding my application for a mortgage modification can be expedited, and pressure placed on M & T Bank to fulfill its obligation to act in a timely manner not only on my behalf, but on behalf of others that are facing the same obstacles regarding their applications for mortgage modifications. I find it very observed that I have been trying to get a loan modification for over years, and yet, till this date, we have not been able to resolve the issue. It has come to my attention that my loan modification was approved for a Streamline Loan Mod which only reduced the interest rate .25 % which actually caused my payment to increase dramatically making matters worse. I have executed reports and viewed all the guidelines necessary to qualify for an affordable monthly payment. You mentioned you could not arrange an affordable payment to support a Loan Modification due to excessive obligations to support a payment. We fought back and forth with you including the court. You have received everything you needed in regards to the Loan Modification process. Now I 'm not able to complete my modification and get out of trouble with foreclosure due to a misunderstandings and a misinformed process to resolve the loan modification. It is neither my intentions nor my fault that this debt has increased. I been trying to resolve this issue for the last 4 years with no results, basically with the same action, " I do not qualify because I do not have enough income '' when in reality everything is already clear, and you have records of this. I just find this really obnoxious and idiotic when you have a citizen like myself, asking for help, reaching out to you throughout all this time, just because I want to keep my home, my investment, the house where my children reside. In news reports I hear that M & T Bank claims to be overwhelmed with applications for modifications. As a result, your bank is top XXXX worst servicer processing a modification. When times were good and banks were encouraging everyone to take out 1st, 2nd and even 3rd mortgages they did n't seem to have any problem keeping up with the high demand. Full documentation Mortgages could be initiated and closed inside of 2 weeks. Now, when someone asks for help, it takes years with no immediate results. I understand that across the country there are several lawsuits being filed against M & T Bank, some seeking class action status. I think it would be worth your time to look into doing the same on behalf of all Home Owners that are facing the same uphill battle with you M & T Bank as I am. Please take in consideration that I really want to keep my property. I am a single mother of XXXX children. I do n't want to move my children from the home they love and the schools they go. They have friends and participate in school activities and it would be heartbreaking for them to leave. Since my divorce, I been trying to keep consistent in their lives. Please help me the best you can, I know I qualify for a better Loan Modification, and it would be under our best interest to qualify this loan.
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| 11/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a vehicle in XXXX XXXX with my loan through M & T bank. I cosigned for my husband and he is the one who makes each months payments. He began by making payments in branch but after several times of branch members messing up his payments, he switched to phone payments because that way we have confirmation numbers. As of XXXX XXXX, ( according to a branch member ), it can be seen that payments begin being marked as late therefore getting sent to M & T debt collections department. EVERY SINGLE MONTH I get a call from the dept collection department claiming that my payments are late by XXXX XXXX or even XXXX months. Every single month I have to call the customer service department with my confirmation number and verify that my payment was made on time, in full and my account is still in good standings with XXXX late payments. I have asked managers in the customer service department XXXX TIMES for letters stating my account is in good standings and XXXX times they have lied that the letter is on its way and it has not been. The cycle just continues. Finally, I got fed up with the extremely rude debt collection associates and decided to threaten to take my loan elsewhere. Finally, after I made noise, several investigations were 'started ' ( I say 'started ' because I have no proof that they actually did anything after I got off the phone. ) In speaking with supervisors in the debt collection department we discovered that it has been proven that there are XXXX different dates AND XXXX different confirmation numbers for each of my payments ; example ; for XXXX XXXX ; My husband make a phone payment on XXXX XXXX. The payment is listed for XXXX XXXX. There are XXXX separate confirmation numbers. What is also interesting is that according to the debt collection department, XXXX called on XXXX on XXXX XXXX and made a phone payment for XXXX XXXX. THIS IS A COMPLETE AND UTTER LIE. It is XXXX XXXX not true at all. XXXX did in fact call the debt department but it was to speak to the supervisor about the issues we have been having NOT to make a payment. For XXXX XXXX ; NO payments were listed as being made ( as of XXXX XXXX ) however my husband made a payment by phone on XXXX XXXX and I supplied the confirmation number. Through looking up that confirmation number, it was proven that the funds WERE removed from his account, put 'on hold ' and scheduled to by applied XXXX XXXX ( almost 20 days after he made the payment. ) Not one person can explain to me how or why my money keeps being taken and held for x amount of days then applied when the payment is late. After speaking to a branch associate, it was determined the due date for payments was the XXXX of each month with a grace period until the XXXX of the following month. According to the customer service department, the debt collection department AND my husbands statements, the due date is the XXXX of each month. This means that nobody is even on the same page as to when my payment is even due!
I am COMPLETELY fed up with M & T 's false promises, false claims and false processing of my payments. I am also fed up with them calling me a liar every single month when they call me and are extremely rude saying I have n't made a payment.
The investigations are still ongoing and were began on XXXX XXXX. I was promised I would be contacted with updates and additional information regarding the progress of the investigations and this has proven to be false as well.
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| 06/09/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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XX/XX/XXXX I went online to M & T 's website in order to open a checking account to leave XXXX as M & T held my mortgage after speaking to the mortgage department about offers for mortgage customers and they directed me there as they did not have any info. On their site it stated that I could open a premier checking account without a monthly fee as the foot note states " Maintain combined balances of {$25000.00} or more in eligible personal deposit accounts, loans and home equity outstanding balances, investments, and business deposit accounts. For detailed information, please refer to the Specific Features and Terms for each account, which are available upon request at any M & T banking office or through M & Ts Contact Center. '' Being that my mortgage loan is above that limit, it should have been free. I received a call from a banker ( male ) at the XXXX XXXX XXXX thereafter in which I had questioned why I was charged {$25.00} since they service my mortgage & his response was that it shows a charge but it also shows a credit and that it is not impacting my account. I open a money market as it was an offer on my online banking that could also be waived due to my mortgage balance. I opened that and then I saw a charge and a waiver, unlike the checking. On XX/XX/XXXX I called into M & T bank customer service line to inquire as to why I was still being charged to which I was told I needed to chat with the mortgage department. The mortgage department was the original department to tell me they did not have that info so I declined a transfer and requested a supervisor. After being told to wait on hold I STILL did not receive a super and instead was given more of a runaround. I still requested a super and finally got one. She was a self proclaimed XXXX year veteran of M & T/banking and yet somehow tried to tell me a mortgage is not a loan. I am an XXXX... XXXX XXXX XXXX XXXX. She then went on to say that she sees where on the site it says to reach out to a contact center for more info, however footnote 6 is clearly unfair and deceptive since she stated " it is only for retail loans ''. If that is the case, it should be listed as such and not as " Maintain combined balances of {$25000.00} or more in eligible personal deposit accounts, loans and home equity outstanding balances, investments, and business deposit accounts. '' I then got disconnected but she refunded a couple of fees. I spoke to the branch location because the fees impacted my record keeping and therefore subjected me to overdrafts, returned items impacting me with other creditors, and distress. The banker ( female - XXXX I believe ) was the woman to help me the most by raising this to her manager and was able to refund about 1/2 of my fees due to this. When I asked when I would hear about the rest she said she would try but that was the most they could do. When I raised a UDAAP concern, she then stated she would call me back. The manager then called me XX/XX/XXXX ( XXXX ) and we discussed it and he agreed it was deceptive ( recorded call ) however he was " only one guy in the branch and can only raise this to his boss ''. I find this unacceptable. To not only know there is an issue, but to claim there may be others like you impacted, but this could take months to fix. All due respect, a multi million dollar bank charter should be able to update their web copy and their brochures with ease as soon as the compliance violation is acknowledged.
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| 04/10/2017 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
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Web |
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MY BANK ( M & T BANK ) PAID OUT MY CHECK WITHOUT MY SIGNATURE ON IT I opened a new business, within few months I received a first letter from XXXX ' requesting I pay a sum of {$84.00} for labor law posters for work place -to be sent to my address. On the XX/XX/2016 ( XX/XX/2016 ) I issued an MTB Check No. XXXX for {$84.00} to XXXX XXXX as requested in first letter to issue check to XXXX I mailed that check to : XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX, TX XXXX. But I forget to sign the check.
After few days It seems to occur to me I missed the signature and I was making effort to retrieve the check, I went to USPS but the mail had been sent out, I started calling the " XXXX '' but was not successful. So I relaxed and was confident that after all no bank will pay a check without a signature. so I was expecting to be contacted.
In XX/XX/XXXX I received a second " XXXX XXXX XXXX XXXX '' letter. this time Renewal and was asking for another {$84.00}. I replied them that the first poster was never sent and they are requesting for another beside the gap from XX/XX/XXXX and XX/XX/XXXX was close, I cant pay again I wrote them. I went to corporate and registration office to showed them the second letter because I was scared of the deadline and payment penalty., there they confirmed that it was not from them, I realized I had been frauded. Immediately I went online to view if the check was Issued or denied on MTBank. I saw a debit in my account. To my surprise it was paid without my signature in it, " the check had another signature not mine but my name and address was on the check and it was paid out ''? I began to ask questions why a bank would do that ' that was a highly incompetent action. I went to the bank to file a dispute once, they never got back to me in months, I went to the bank again to inquire why, the banking staff checked and checked from XX/XX/2016-XX/XX/2016 and did not see the check-it disappeared. and requested I come back the next day to speak to the original staff I complained to. the following week I came back to meet the original M & T Bank staff I filed complaints with then the check reappeared, She found the check, she confirmed that her colleague said she could not see the check the time I came. then she told me that the first claim was rejected because they said they can not pay my money back since the money had already been issued out to the ( Fraudulent ) person. I question how that was my concern. Instantly she file a second dispute, and resubmitted.
I also called MTB customer service XXXX number they were throwing me back and forth that someone will call me and that I should contact the back as they would do the same. I told the staff I was on phone with I already did that, later someone called that he will call me back, till today I did not hear anything.
After some days the original MTB staff that i filed dispute with called to tell me they were requesting this time for me to submit a letter stating that I do not have account with the other bank. How on earth would I do that?. I do not know the other bank, and I do not have account with the other bank, first I AM SCARED of this bank now, If it was millions of dollars I could have lost it.
Please I need my money bank. more importantly, I want to know why a bank would be so incompetent in securing their customers money, Please does a bank now pay out checks without signatures or forged signatures? I am so terrified!!
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| 01/18/2024 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXXXXXX I opened a checking account with M & T bank online. On XX/XX/XXXXXXXX XXXX I funded the account with an external transfer of {$10000.00} from an XXXX XXXX XXXXXXXX XXXX savings account owned by my wife XXXX XXXX. This was an error as I intended to transfer in monery from another XXXX XXXX Private Bank savings account jointly owned by me and my wife. After several days I found out I could not access to my bank account either on the app and online, so I reached out to customer service according to the phone number that popped out on the app. I was told my account access was blocked due to incoming money from an account not under my name and asked to visit a branch to resolve the issue.
I visited the branch on XX/XX/XXXX and the branch banker called M & T Bank 's corporate. Afterwards I was advised by the banker to bring a bank statement of the account that the money was transferred from, which I provided. The banker advised that there would be a 7-day hold on the account which would end on XX/XX/XXXX.
On XX/XX/XXXXXXXX XXXX I was still not able to access my account and called M & T customer service again. I was advised someone from the Fraud department would call me within 24 hours, which never happended. I called customer service one more time on XX/XX/XXXX and was transferred to the Fraud department. The representative at the department advised that I should try to add myself as a joint owner of the savings account at XXXX XXXX XXXXXXXX XXXX owned by my wife to resolve the issue. My wife and I contacted XXXX XXXX, which advised us they could not make such change to my wife 's Private Bank premium savings account.
I visited M & T 's branch again on XX/XX/XXXX and inquired about the next steps to get my account block removed. The banker called M & T 's corporate and then told me he was asked to email to the corporate and wait for their responses. The banker emailed me on XX/XX/XXXX and advised that my wife needs to be added as a joint account owner to my checking account at M & T bank and then the issue would be resolved.
My wife and I visited the branch and added her as a joint owner to the account on XX/XX/XXXXXXXX XXXX XXXX We were advised by the banker the account restriction would soon be removed, if not the same day, maybe in one or two days. But, up until now the account was still blocked and we could not access to the money in the account. I called the branch again on XX/XX/XXXX while on business trip. The banker noted and later emailed me that he contacted the corporate and was still waiting for M & T 's " deposit investigation '' department to come back. To this day I still don't know what M & T is investigating, what information it needs me to provide to unclock the account, and why it promised a result for several times which never gets delivered.
It is has been over 40 days nowsince my account was blocked. Throughout the whole period there has never been any proactive communication from M & T 's corporate -- no emails, no calls, no letters, despite stated so by phone representatives. I had to find out information bit by bit by myself. The branch bankers are friendly and trying to help but they seem powerless and ignored by their corporate counterparts, and often gave out wrong projections/committments to me. The phone representatives including staff in the corporate that I talked over the phone are not caring, indifferent and not customer friendly.
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| 09/09/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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We had a water damage claim on XXXX and part of our insurance checks included our mortgage company ( M & T Bank ), so we mailed the two checks along with the XXXX XXXX claims repair estimate ( overnight with a prepaid overnight envelope to expedite the return of the funds ) for {$1700.00} and {$13000.00}, so they could endorse them and return them to us, so we could pay our contractor to make the repairs. They sent us the endorsed checks and no other forms were needed, I even called to verify. It seemed simple, even though we had to go out of our way to send them the checks ( the adjuster said most mortgage companies are not requiring this right now due to COVID, but for some reason, this company is ).
When our contractor was finished with the repairs, we notified our insurance company, so we could obtain the additional funds for depreciation, which is an additional {$6300.00} ( which also has the mortgage company listed as payee ). We sent the check 2 day mail once received on XXXX, thinking it would be returned in quick manor like the two previous checks.
I received a text notification that documents were received by M & T bank on XXXX. I checked and nothing was mentioned about the check, so I called on XXXX and was notified I needed to have my contractor sign a few documents, and they needed a copy of the contract signed by the contractor, my husband, and myself. This was NEVER mentioned before when they returned the two previous checks ... that document notification was turned off, so I did not bother to get those documents signed. And we did not receive any text notifications, emails, or phone calls saying these documents were missing. The lady had no remorse and said it is what it is, because now our claims is over {$20000.00} ( side note ... it has always been over that amount ). Unacceptable business practice!
The work is now complete ... we had to get a loan from our credit union to finish paying our contractor, because M & T Bank will not release the {$6300.00} that they are listed as a joint payee on, from XXXX XXXX ( the check is endorsed to XXXX and XXXX XXXX, and M & T Bank ).
I found the forms and had our contractor complete what was needed, and we signed the original contract ( as per request from the phone conversation with M & T Bank on XXXX ), and attached them to the link that was shared with us on XXXX.
We received a notification that they received the documents, and when I checked the status, the documents were denied. I immediately called their customer service number at XXXX CT tonight and a was being helped by XXXX XXXX She was reviewing documents and during this time, and said something was missing. I explained the work is complete, our contractor completed the waiver and shared is Tax ID details, and all parties have signed the contract. She said it had something to do with how their system was reading the documents. I asked what I needed to do so they could release our funds and the phone call ended. In the beginning, she verified a good call back number, so I expected her to call me back, but it has been 30 minutes and I have not received another phone call. They closed at XXXX ET ...
M & T Bank is holding our funds hostage for no reason. The repairs are complete and we need this check endorsed by them and immediately returned to us.
This process with them has been a nightmare these past two weeks. Please help us! Thank you so much!!!
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| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I was advised by XXXX a teller at this branch to bring my husband 's payroll check which is draw on m & t into the branch on friday XX/XX/XXXX Because we were mobile depositing and we had almost exceeded the {$4000.00} mobile deposit monthly limit.
I was advised at the branch by XXXX that the check was cashed and put into the account as cash. Just moments of leaving the branch I Attempted to sign into my mobile banking before paying bills and realized I was locked out. I then called the number provided to see why my online banking was locked out. I was informed that my entire account was locked out due to an issue with the check that had been deposed into my account. The gentleman that spoke with me on the phone 's name was XXXX. He advised me several times that there was an issue with the check That was just deposited at the branch to which I said it should have been deposited as cash. And he continued to advise me that the issue with with that check and that the account was locked down for fraud. And I would not have access to my money until at least the next friday.
At that point I immediately turned around and went back to the branch where I spoke to XXXX. The manager who told me that my account was not only frozen But it was going to be closed out completely because I paid my mother 's XXXX XXXX. And because I was in check systems from XXXX.
I proceeded to tell her that I live with my mother and as well, I am her power of attorney and that I have all right to pay any bill of hers that I need to and that this was not fraud. I offered to bring my mother in and have her added to the account incase that was the issue. I also offered to bring all of my power of Attorney paperwork to the branch so that they could see this was not fraud to which she told me There was nothing that could be done and my account was being closed because I paid that powerpill out of my account. This was a completely different reason than what the gentleman on the phone continued To tell me, which is that it was an issue with a check. Leaving me to believe that there was a teller error done by XXXX and that they were doing what they could in the branch to try and cover that up.
I was fine with my account being closed at that time. Because I was beyond aggravated with this process and the lies that were being told to me. However, I was told I could not have my money that it was going to be in the account until XX/XX/XXXX at the earliest. At which point I would be required to come back into the branch and close the account myself in order to receive the money that is left in that account. To my calculation, the amount in that account and owed to me is going to be around $ XXXX {$900.00}.
As my mother 's power of attorney, I do handle all of her finances. And she did send {$350.00} as a XXXX XXXX into my account with m and t the same day that this all happened. Her name is XXXX XXXX.
I do not understand how paying her power XXXX is means for expulsion from the bank as well I do not understand why a payroll checked drawn on m & t would cause any kind of an issue.
And beyond that I do not understand how I could stand in front of XXXX and have her do a deposit into an account that was apparently frozen unless the issue that caused the account to be frozen happened after that teller transaction in which they were lying to me because the XXXX XXXX in question was paid at least a week prior to this.
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| 08/19/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have a HUD loan and need help. First, XXXX XXXX unethically started to foreclose on the property in the middle of refinancing. I had gone through a divorce and lost my job due to discrimination of my XXXX ( which is partially why I missed payments ). The EEOC investigation agreed with ADA guidelines and concluded in my favor with the right to sue. I called my mother for help and we hired an attorney - I know he found errors, but I am not sure exactly what they were. At that time she was expected to receive a large inheritance and would bring me up to date or possibly pay the loan off. However, it all came to a halt due to COVID - the amount was to be split between siblings, and hearings were set, but the Courts shut down due to COVID. I have so many penalties and fines from M & T Bank ( the new mortgage holder ) that my payoff amount is so high - I am very scared.
When COVID came along it may things really tough for me ( XXXX mom and live alone ) I requested a forbearance with a new bank M & T - they have my mortgage. This put me in a deep XXXX with extreme XXXX plus my XXXX XXXX - I was a mess. My mother wanted to help, but the pause on the court dates prolonged the inheritance. When my forbearance was going to end in XX/XX/XXXX - we spoke to the bank on XX/XX/XXXX to see my options. They said my only option was to refinance and I did not qualify for the COVID option. They also needed a letter showing I did not have counsel and to give my mother permission to call about the loan. I did submit two letters to them and the next day their attorney filed something that represents the bank. However, they neglected to tell me there was an extension. Also, they did not inform me if one thing was wrong with my packet - there are new " do-overs '' or opportunities to provide additional information. I was very scared and asked for additional time on XX/XX/XXXX via fax and email - with no response. I called the next day and requested a letter in fear I would lose my family home - they would not respond as they have before. I called the after and the next day after for this letter - as of XX/XX/XXXX I do not have a letter that the mortgage would pause. My mother 's inheritance is starting to come in, but it may be a while for the big lump sum. However, I believe the fines and penalties of $ XXXX, refusing to let me have the COVID option through HUD, and not responding to my request is unfair and not reasonable. I am happy to comply with the refinancing but scared to death if one thing is off they will start to foreclose due to the fact my loan balance is {$190000.00} on top of the $ XXXX, but valued at over $ XXXX due to the fact I live in XXXX Florida. I have a young XXXX and fives pets dependent on me and I love this old house and need help and guidance. People are always knocking on my door to buy the house and I receive multiple texts & calls - my poor XXXX is scared when anyone is at the door. I am not trying to beat the system or anything like that - it is just between my XXXX XXXX, XXXX, and poor timing. I am begging for someone to help me - I have a backup of everything I am describing. If I lose my house I will have nowhere to stay due to the housing market going up so much. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and my loan number is XXXX. Thank you for your assistance with this matter. - XXXX XXXX I need to gather my documents to submit to you.
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| 12/06/2022 |
Yes |
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- Trouble during payment process
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Web |
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To whom it May Concern : Due to the XXXX XXXX I had been struggling financially to keep up with my mortgage along with other bills including my XXXX I reached out to my mortgage company towards the end of XXXX. They were able to offer the moratorium payment options until they expired. M & T has been more than helpful, they provided a list of options and telephone numbers to reach for mortgage payment assistance. I contacted the XXXX XXXX and they provided options, one of which was the XXXX. This program was not open to apply until like the end of XXXX, as soon as money became available to the state and the applications were open to apply, I applied. I was approved for assistance in XXXX, months and months went by, call after call the application remained in the same status, Under review by XXXX requested. At the beginning of the process I had a case manager XXXX XXXX, which later turned to please call contact XXXX going forward. It has literally been XXXX XXXX and not a single payment of this massive Federal Assistance that has been provided to XXXX been applied to my account. The status of my of my application finally moved to payment after I reached out to a XXXX XXXX XXXX XXXX XXXX after researching to see if this was happening to others in XXXX and found his article. After I guess adding me to his list and making a phone call I finally received a call from XXXX XXXX XXXX she promised to escalate the issue and provided me her direct dial, which doesn't work by the way. I finally did receive an award letter dated XX/XX/XXXX on XX/XX/XXXX, I signed it immediately in their portal and requested a copy. I forwarded a copy of the letter to M & T and call to confirm receipt. Now it was time to sit and wait on the payments to be processed. These payments are sent through an XXXX portal and if sent on XX/XX/XXXX, even giving XXXX days for XXXX even though banks only observe XXXX day, its been XXXX days. I called XXXX this morning XXXX at XXXX they are doing the blame game again and stating that they know that certain banks have been experiencing issues with the payment process and they are asking for the lenders to go through the XXXX portal to get clarification on payment processing. I reached out to M & T Bank and well blame game, they are blame the state for the way they send the payments and that it takes time for them to figure out where the payments go, even though they have been told to go through the XXXX XXXX to apply for the payments. Who is getting this supposed Federal Assistance because it is not the struggling homeowner? M & T has done a good job at helping me, once there was a modification process available, I did apply and I was able to go through that paperwork process approval, payment trial periods, and back on track. However it is XXXX that has been the problem, I have had to borrow money for family members to avoid paying other bills waiting on help that I got approved for in late XXXX. What I am asking for is M & T Bank to escalate this issue, find my payments and apply them to my account. I owe people, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX needs to be held accountable and need to streamline there process. There will be another plandemic and they need to get a handle on free money they get to help the state, not the people.
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| 01/21/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/20 I had a checking account balance of {$220.00} in my M & T Bank account. Due to a mishap with my former employer my direct deposit was delayed in error. Several transactions began to come in from my debit card. These transactions were prescheduled and because I had no idea that my pension check would be delayed. I wasn't able to cancel the charges. My account became overdrawn for {$130.00} and I was charged an overdraft fee. I was fine with that because this was an error that the bank didn't have anything to do with, it was my fault.
Several other transactions continued to come in around this same time. XXXX XXXX M & T declining them because they all were debit card transactions. They allowed every transaction to come through causing a huge overdraft on the account. I contacted them and questioned why this was done and I was told because I had some overdraft protection that allowed them to pay charges even if the money wasn't available. Well the only problem with that was that I told them a month earlier via phone to remove that feature. Because this caused a small overdraft in XXXX XXXX XXXX pension was messed up again the payroll department, put my direct deposit information into another employees profile. This caused my pension to be deposited into their account and vice versa. ) My husband and I both were on the call demanding they remove this feature. We were told then that it would be removed. They explained the ramifications of what happens when this feature is XXXX. They stated this would have any transaction would be declined if the funds weren't available. We still cancelled it.
They literally allowed XXXX transactions to come through the already negative account. M & T charged XXXX NSF fees at {$38.00} per transaction. Most of the transactions were less than the NSF fee. XXXX in particular was under {$3.00}. I contacted the bank and demanded an explanation. If the account already had a deficit then why continue to allow transactions to be approved. I was given the runaround for months with no resolution. The account is now negative {$1000.00} and they are threatening to send it to collections. I have no problem paying the money for the transactions that posted, but I do not think it is reasonable for me to have me pay {$500.00} in NSF fees. I believe without a shadow of a doubt that this was done intentionally to create a windfall in the bank 's favor. They literally charged me just about as much as the transactions that posted. I also would like time to clear up the balance. I am XXXX on a fixed income. I receive XXXX and a XXXX pension from my former employer. My husband is currently out on workers compensation for a crushed hand. We do not have an extra {$500.00} to give anyone. Under these circumstances where the bank allowed this we shouldn't be held responsible for anything other than the transactions total amount. I do not want my credit ruined because of their error.
In closing I am requesting that the CFPB conduct an investigation into these types of practices by this institution. It also seems very convenient that the total amount of the overdraft fees, is very close to the amount I XXXX in a bankruptcy recently from a prior account. I want to pay my debt but I need reasonable payment arrangements and the fees removed. They had the power to decline and they didn't because they wanted to benefit from the NSF fees.
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| 06/13/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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I've had this mortgage current since XX/XX/XXXX. In XX/XX/XXXX I was laid off and continued to make my payments. My XXXX year old daughter required XXXX XXXX XXXX in XX/XX/XXXX which caused additional strain. In XX/XX/XXXX I called mortgage company to request PMI be removed to help reduce monthly payments since loan to value well below 80 %. I was advised by M & T that the current value being taxed will not be considered and that the principle loan had to be 80 % of original value at time of purchase.
The only option I was given was to pause payments and apply for a loan modification. All documents including proof of unemployment as well as daughters medical expenses were submitted. In XX/XX/XXXX the only option provided by M & T was an unemployment forbearance where I would be required to pay a reduced amount which would expire in XX/XX/XXXX. I was told as soon as I became re employed after receiving 3 pay stubs to reapply. All payments were made in compliance with the forbearance agreement. When an additional payment was sent M & T called and advised me that I was not allowed to make additional payment otherwise I would lose the forbearance.
I resubmitted the application for modification XX/XX/XXXX after receiving my 3rd pay stub from being newly employed as of XX/XX/XXXX. All the while complying with the forbearance making every payment and answering every call from M & T verifying my intent to occupy the property.
Also, I have been discharged CH XXXX bankruptcy since XX/XX/XXXX and have voluntarily continued to make payments as agreed and complied with all requests.
In XX/XX/XXXX there was a big leak that required an insurance check disbursement. The insurance company advised I am able to self repair and sent check with mortgage company name due to the amount and advised that they would endorse and return funds.
The insurance check was sent to M & T who advised that after receipts submitted for repairs and inspection completed over 90 % the difference would be dispersed. I was told over the phone on the following dates that once the inspection was complete the funds would be released to me:XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
The check sent to them was {$6700.00} they have dispersed {$1900.00}. The inspection has been completed and is at 95 % as of XX/XX/XXXX. The difference of {$4200.00} has been denied and M & T states that they intend to keep the insurance money to put towards mortgage payment. I am currently in the 3 month trial period for modification and have been in compliance all along. I am requesting the insurance money be released.
I am requesting the disbursement of the insurance money. Since I have owned this home I have been responsible for the repairs even during the forbearance and the mortgage company has never been interested in the cost of maintenance and repairs. The current value of my home vs the mortgage is well under 80 % LTV. The money that comes from a claim on insurance premium that I pay is for the home not for the mortgage payments. The mortgage company has PMI in the event I foreclose that is the only insurance they receive but I have been in compliance from day 1. There is no reason I should be penalized for having a temporary hardship and in good faith contacting the mortgage company who provided me what I thought was a helpful solution to now be abused in this way.
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| 12/16/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX I contacted the Insurance department of M & T Bank servicing my mortgage via telephone directing them to not honor payment XXXX XXXX XXXX XXXX because I was replacing the insurance with a different insurance company. I was told that the payment to the current insurance company " XXXX XXXX '' would be on hold until XXXX XXXX, XXXX.
On XX/XX/XXXX I received my XXXX mortgage statement which shows a disbursement from the escrow account on XX/XX/XXXX for XXXX This amount is for the XXXX XXXX XXXX policy.
On XX/XX/XXXX the bank also issued payment for the replacement policy from XXXX XXXX for {$1500.00}, On XX/XX/XXXX I contacted the bank XXXX Department and directed them to recover the funds dispersed to XXXX XXXX in error.
I spoke with a representative who told me I must contact XXXX XXXX XXXX company and cancel the policy for and request a refund to my escrow account. I told the gentleman on the phone, this was unacceptable and they needed to recover the unauthorized payment from the account. After his continued attempts to argue with me I asked to be transferred to a supervisor.
I was purportedly transferred to a XXXX XXXX who attempted to give me the same line that they could not cancel my insurance, I was required to do it. I informed him the bank was given instructions to NOT pay requested premium from XXXX XXXX and this was their mistake and they were required to fix it.
At this point he proceeded to lie to me and tell me my XXXX XXXX policy expired on XX/XX/XXXX. The is incorrect, I will attach a copy of the XXXX XXXX policy which shows the current policy was in effect until XXXX XXXX, XXXX. This means he lied about the expiration of my policy. He further lied about the reason the bank paid the XXXX XXXX policy on the XXXX. He informed me my current XXXX XXXX policy was expiring on XXXX XXXX, XXXX and that is why the bank was forced to pay it, " to avoid liability from lapse of coverage. '' I will attach the documentation from XXXX XXXX proving that all this XXXX XXXX did was get on the telephone and lie to attempt to cover up the mistakes made by M & T Bank related to servicing the escrow account attached to my mortgage.
The resolution I require is that M & T Bank recover the errant payment from XXXX XXXX and credit to my escrow account.
ASSOCIATED FACTS : At the end of my XXXX policy year M & T Bank disbursed a payment to XXXX XXXX for a policy I never purchased from XXXX. I had to contact M & T Bank to ask them to recover the funds they disbursed for a policy I never purchased.
The XXXX XXXX XXXX was issued and in-force on XXXX XXXX, XXXX.
M & T Bank claims the XXXX XXXX XXXX took 12 mailing days to be received from XXXX, and was received on XX/XX/XXXX.
M & T Bank representatives have been caught in two lies regarding this matter already.
On my XXXX of XXXX, XXXX call I was told the hold would be placed on my account until XXXX XXXX, XXXX. I remember noting this clearly because the date was after the XXXX Holiday which gave me plenty of time to get replacement insurance. During my call of XX/XX/XXXX I was told the representative " Mis-spoke ''.
On my XXXX XXXX, XXXX call I was told the representative XXXX XXXX " Mis-spoke '' when he informed me that my XXXX XXXX insurance policy expired on the XXXX of XXXX and that is why the policy to XXXX XXXX that was supposed to be on hold was paid.
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| 10/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
Older American, Servicemember |
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I am writing to complain about an unethical situation and poor M & T customer service, that has taken place at the XXXX branch located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX starting on XXXX XXXX. I have been banking with M & T for several years. I am XXXX XXXX XXXX, I am XXXX and on a fixed income which makes this situation problematic on multiple levels.
On XX/XX/2023, I sent my son to the ATM in question to withdraw {$1000.00} for me so I can pay my bills. The card was inserted into the atm, but no funds were dispensed. A receipt came out that reflected a subtraction of {$1000.00}. Therefore, no money came out the machine, but money came out my account. My son and I were able to make it to the branch on XXXX XXXX, where we were able to file a dispute with a branch teller where a provisional credit was issued. I then received a letter dated XXXX XXXX, stating that after a review of your account and thorough investigation, we have determined that the transaction in question was processed correctly, and no error has occurred.
Not only did I not receive my funds, but the branch manager XXXX XXXX belittled me and treated me as if I was lying. It was as if I was pestering her about my {$1000.00}. I feel this was because I am elderly, and she thinks I can be overlooked. This is exactly why I have my son handle a lot of my business due to this elderly exploitation. I cant speak on behalf of anyone else, but my money is crucial for my survival. It will not be extorted from me by anyone, especially not my bank of choice. My personal information has already been extorted from me with your recent XXXX exposure. This bank seems to be losing its credibility on a national level.
I originally started banking with M & T because they advertise working with Integrity and at this point I feel like Ive been robbed. I was told by XXXX XXXX that she would investigate the video to see if the money dispensed. XXXX XXXX later called on XX/XX/2023, at XXXX stating that the video only shows a face, and I would need a police report and a subpoena to have this investigated more thoroughly. Your letter stated, The information and any documents we relied upon in connection with our investigation are available upon request. I am requesting this information seeing no particulars were provided.
I will not rest until my {$1000.00} is refunded into my account and the correct authorities have been notified and accountability is taken. I can only imagine how many people are being robbed by these ATMs. The ATMs are always out of order or having technical issues. A branch employee mentioned to us before with a prior incident where the ATM would not accept my debit card, that there are always issues with their ATMs. In consequence, clearly, I am not the only one having issues. How thorough are these dispute investigations with faulty ATM devices? When going to speak with XXXX XXXX about the dispute letter that I received, there was another elderly disgruntled customer that was complaining that M & T stole {$96000.00} from her. One of the tellers told her she needs to come back next week, and I was told to come back the next day because the manager had to go pick up her kid. Why are issues not being addressed with the proper urgency?
I expect a response from XXXX XXXX superior, a punctilious inspection of this ATM/branch, and my funds credited back to my account.
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| 04/07/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Due to divorce, and the condition of my house, my ex and I decided to sell. We initially tried a traditional sale, but the foundation condition, I would not be able to break even. I started the short sale process with a realtor. Submitted all the paperwork, got the house listed, the realtor worked with the bank on the sale. Once a buyer came and made an offer, I moved out of the house and into an apartment. After months and months of the bank stating that we were missing documents and myself and the realtor resubmitting them, the bank came and said to us on Tuesday, XXXX XXXX that due to more missing documents, they were moving forward with a foreclosure. I quickly resubmitted everything AGAIN and my realtor asked for an extension so that the bank could review everything. On Friday, XXXX XXXX, my realtor called me telling me that he had just heard from the bank and they were moving forward with foreclosure and their new reasoning was because I had moved before the house was sold. ( I moved after a buyer put in an offer and this was OK 'd by everyone, no one told me not to move ). On Monday, XXXX XXXX the bank contacted me telling me that they declined the sale offer and were moving forward with foreclosure for a completely different reason. Their reason on this date was because of the condition and the damage to the house. I specifically asked what damage they were referring too. They said they found damage when they went out and inspected the house. I asked them what date specifically did they come and inspect the house because they never called me or my realtor asking for a key, or the lock box code to get into the house. The bank told me that they did n't need to ask for a key because they have already secured the property with their own lock box. So I asked again, what date did you do this and how did you get in without a key to secure the property and inspect it. After demanding that they tell me WHEN they went out there, I was put on hold for about 10 minutes and when she came back on the phone, she said that she had made a mistake and that they had n't gone out to inspect the property. At which point, I got very irate with a bank, a business blatantly lying to me. So I asked again, why they were foreclosing now, and she again said because of the damage. So I asked what damage since they had n't been out there. She then said that it was too close to the foreclosure date ( Tuesday, XXXX XXXX ) to be able to do anything. At this point, I go, so on XXXX XXXX, you said you were foreclosing because of missing paperwork, ( which was all resubmitted again ), and on Friday, XXXX XXXX, you said you were foreclosing because I had moved and had broken some contract by moving, and now on XXXX XXXX your reasoning is because of damage that you have never seen because you have never been out to inspect it. Every day it was a different story. I hung up on the bank, and called my realtor who then called the bank, and the story that he got on the foreclosure was because the buyers offer was too low than what they thought the house was worth ( I guess they got that off the internet or something, because again, they have never been inside the property ). Every person at the bank is giving me a different story and my realtor a different story on WHY they are foreclosing ( with a one week notice ) and its all nothing but lies.
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| 11/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
Servicemember |
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-- -XX/XX/XXXX -- Initial email -- - Can I trouble someone at M & T Bank to send me a paper copy of my M & T Visa Signature Credit Card statement?
I did not get a a snail mailed Visa statement last month or this month. That's more than I will blame on the Post Office. I printed the Statements out myself and found an old envelope last month and this month.
-- -XX/XX/XXXX-- M & T 's Reply -- - Sent:XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : Statements and Notices Dear MsXXXX XXXX : Thank you for your statement copy request.
As you requested, I ordered a copy of your statement for XX/XX/2018. You can expect to receive this via U.S. Mail in approximately 5 to 7 business days and your confirmation number is XXXX.
Please be assured that I show your M & T Credit Card statement delivery settings are set for paper delivery. If you continue to not receive your M & T Credit Card statements, please email me or contact the M & T Telephone Banking Center for further assistance.
If you have any additional questions, please email me or contact the M & T Telephone Banking Center at XXXX or ( XXXX ) XXXX. Representatives are available Monday through Friday XXXX to XXXX, Saturday and Sunday XXXX to XXXX, ET.
Thank you for banking with M & T.
I was out of town for a week. When I returned, there was no promised XX/XX/XXXX statement from M & T Bank. So I went back to their website and hit reply on the XX/XX/XXXX email from XXXX -- -XX/XX/XXXX -- My Reply -- - Subject : RE : Statements and Notices Regarding account : - XXXX, 5-7 business days would have been XX/XX/XXXX. No M & T XXXX Statement has shown up in my snail mail.
This is taking an awfully long time and too much persistence on my part to resolve.
XXXX -- -XX/XX/XXXX -- XXXX XXXX -- - DateXX/XX/2018FromMichael - M & T Customer Service ToXXXX XXXX XXXX Subject RE : RE : Statements and Notices Dear Ms. XXXX : Thank you for your statement delivery inquiry.
My review shows your statements are currently issued to the address of account as paper statements.
The statements are not be returned to M & T Bank by the United States Postal Service as undeliverable. As you are not receiving your statements, it is recommended to contact your local postal service to ensure you mail is not being withheld.
If you have any additional questions, please email me or contact the M & T Telephone Banking Center at XXXX or ( XXXX ) XXXX.
Representatives are available Monday through Friday XXXX to XXXX, Saturday and Sunday XXXX to XXXX, ET.
Thank you for banking with M & T.
I also emailed the Bank officer who opened my Account - XXXX XXXX and called the XXXX number they mention above. XXXX at XXXX started saying I should just wait longer than the 12 business days I'd already waited, but then said he would send another XX/XX/XXXX statement.
What I'm hearing from XXXX at Customer Service is that M & T is blaming my lack XX/XX/XXXX, XX/XX/XXXX and repeat XX/XX/XXXX statements on the Post Office. What I'm hearing from XXXX at Customer Service is I need to continue to print the statements off myself, find envelopes and mail my payment in as I have been doing. Since the bank has the option of receiving paper statements and I have selected that option, I'm not finding the option of having to remember very month to print the statement out myself to be acceptable.
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| 03/20/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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I am a resident in XXXX, Tx and my home was flooded during Hurricane Harvey. As a result of this flood, I sustained heavy damages and had to re-construct my home. As a result, I had to spend approximately {$27000.00} to fix the home and it took in excess of 7 months. The federal government placed a moratorium on all outstanding loans on homes that were affected by the flood and mortgage was not owed. M & T Bank is the lender that holds my loan. I paid the XXXX and XXXX loan balance and intend to pay XXXX onward.
Due to this moratorium, I did not pay the mortgage for 120 days. The total balance owed from not paying the mortgage was {$10000.00}. Of that XXXX, {$9200.00} is interest expenses, so my new principal balance should be {$250000.00}.
It took a month and a half for M & T Bank to give me a call and provide the new loan package. After the modification decision was made, M & T Bank contacted me and wanted me to verbally agree to a {$18000.00} principal balance increase with zero transparency with regard to a massive {$9000.00} addition to my loan, which is in direct violation of HR 4173 Sec. 1033 a consumer 's right to information, upon request, concerning the consumer financial product or service being obtained for any information relating to any transaction, series of transactions or the account including costs, charges and usage data. I requested paperwork that will show me how they came up to the {$18000.00} balance and why all of a sudden they tacked on an additional {$8700.00}.
I repeatedly asked for a written break-down of how my principal balance increased from XXXX to XXXX from several representatives. The bank repeatedly refused and repeatedly violated Sec 1033 of the Dodd-Frank act and basically wanted to force me to accept this outlandish principal balance increase without understanding any of the calculations and how they came to that conclusion. My calculation shows an increase of {$9200.00} and their calculation shows ~ {$18000.00}, which proves that they are operating under Sec 1031 of H.R. 4173 article ( a ), section ( d ) subsection ( 1 ). Three of the representatives attempted to explain it to me and I received three different responses and I have zero understanding of the modification, which violates section ( 1 ) and ( 2 ) in its entirety under section ( d ).
I believe their acts also violated Sec 1031 " Prohibiting Unfair, Deceptive or Abusive Acts or Practices. '' Their act of not abiding by Sec 1033 and possibly Sec 1031 is directly in violation to Section ( c ) and ( d ) in its entirety of Sec 1031.
This is predatory lending. These banks are scamming its consumers ( and I am 100 % guaranteed I am not the only one in XXXX ) who have suffered from a major natural disaster and are forcing them to verbally accept ridiculous terms with zero transparency, and providing zero understanding as to why principal balances are increasing so significantly and without basis. I have recorded phone conversations that I am attaching to this complaint. These phone conversations will clearly show that these banks are not being transparent with their consumers and are in violation of multiple Sections under H.R. 4173.
I have recorded phone conversations, a document calculating what the new balance should be and zero documentation from M & T Bank because they refuse to give it to you.
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| 08/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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I am a XXXX XXXX that provided XXXX to Essential workers during the Pandemic I logged into my bank account on XX/XX/XXXX in the morning To find that my account had been totally wiped out and was over drawn {$230.00} When I contacted the bank i was informed about a provisional credit that they had Issued me on XX/XX/2020 for {$1600.00}. I did not request this credit nor was I informed that I had been giving this credit. When I asked why they said it was a credit given in regards to my stimulus check and any account that was negative at the time was issued this credit that was mandated by whom I am not sure so that you could have the full benefit of your stimulus check. Well the problem with that was my account was not negative. The day before I had two deposits one for {$250.00} and {$1000.00} and on the XXXX I had a deposit for {$3400.00} and I had another deposit on the same day for {$3500.00}. Again when was my account NEGATIVE .... in my opinion all this was a bunch of lies and predatory lending at the highest level. Not to mention my Stimilus check was deposited in my account on XX/XX/2020 and cleared 3 days later ... So why was i issued a credit 3 weeks later for my account allegedly being negative ... More Lies.
When I spoke to several supervisor at M & T Bank over the phone about this situation one supervisor informed me that I should have been sent a letter in the mail about the credit which I did not receive and he also stated that several other customer called and said they too claimed that they did not receive it or notice that they got this provisional credit.
After to speaking to several people at the bank they all came to the same conclusion my account was NEVER NEGATIVE and they did not know why I got the credit. There was nothing they could do to reverse it to help with my current financial hardship in which they where cause of In addition to this I had {$14000.00} in my Business saving account the is also used as my overdraft protection to my checking account.
I feel like they did this to hurt people down the road by reversing that credit without proper notification caused my account to be overdrawn and they took every dime I had ..It also left me open to receiving several {$100.00} dollars in NSF if I did not have the financial means to cover all outstanding bill and expenses. I had to borrow money form Family to cover my expenses for the next two weeks I was devastated ... .business has slowed down for me at this point in time.
I feel like it was there intent to make money off their consumer hardship if they could not cover their expenses once the credit was reversed by collecting thousand of dollars in NSF.. They never even sent out a letter stating when the credit was going to be reversed so customers could have been prepared ... However, I was blind sided since I never notice that they gave me the credit until they reversed me and threw me into financial chaos.
This a bank that send you a letter every time you add a card to XXXX XXXX but sent nothing out about this NOT ONE SINGLE PIECE OF CORRESPONDENCE about this Credit. I cant imagine how may other customers that they did this too who are struggling to make ends meet and stay healthy and STAY ALIVE during this COVID 19 Pandemic.
I am Super beside myself and I have been banking with them for over two decades.
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| 01/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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XXXX XXXX XXXX Bank held my mortgage note since XXXX. In XXXX they miss-handled my mortgage payments leading to a struggle to correct the situation. An agreement was reached in XXXX XXXX and a note modification was signed - with the first payment due on XXXX XXXX. The XXXX XXXX mortgage statement was wrong and included XXXX additional charges of {$120.00} attorney fee and {$20.00} inspection fee. I requested they be removed - and XXXX took the original statement and simply left them on the statement but changed the amount to pay to the correct amount. The XXXX XXXX statement had the correct amount due - but the XXXX items were left on the statement appearing to be paid. XXXX XXXX was acquired by M and T Bank - and M and T Bank send me a letter indicating I would have a new loan number. Included in that set of documents were a huge number of mistakes : the original amount of the loan was wrong - the rate was wrong - the maturity date was wrong - the amount due each month was wrong. I called customer service and they indicated it was wrong and would be corrected on my XXXX XXXX statement. They also indicated they would NOT send out correct information. I waited and waited and called the bank on XXXX XXXX as I never received my statement - but was told it would be mailed the week of XXXX XXXX. I never got it - so I went to a local branch to pay the mortgage on XXXX XXXX - but they closed early. I went back on XXXX XXXX and made the payment - but the branch had no access to either my old mortgage number or new mortgage number so they hand wrote everything. since I had a problem with checks in the past - I gave them cash. They had to create a Cashier 's Check payable to themselves and gave me a receipt. By the XXXX of XXXX I still did not receive the XXXX statement and called. Since the first XXXX payments took 9 and 11 days to pay - I wanted to see if the XXXX made XXXX was recorded - and it was not. I again inquired about the XXXX XXXX statement and was told that the statement was not mailed - so I requested XXXX. I received it about 6 days later - and once again it was wrong. It said that I had a past due amount for XXXX payment ( I made it on XXXX XXXX ) - the total was therefore XXXX payments not XXXX - the next rate change was wrong - the next date for adjusting payment was wrong - they did correct the attorney fee - an entry for debit and credit appeared - but they did not adjust the inspection fee. I called the bank again indicating what all was wrong - and they said they would correct the information and it would be reflected in the XXXX XXXX statement - which I have not yet received. In addition, I asked them what they reported to the credit bureau - was I late and did they report me as late. They could not answer that question. I told them I did not want to be reported as late since all payments were made on time - and I had a 10 day grace period to pay anyway - although the latest payment was on XXXX XXXX - XXXX day after due date - and the bank was closed when I tried to make it previously. Since the bank and I have had previous problems with payments and terms - I have elected to pay by cash and get receipts. I do believe I should get my statements on time - and be correct - and that I should not be penalized for errors made - almost typically on each and every document they produce.
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| 01/06/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I switched to M and T Bank to avoid small fees I was being charged by XXXX XXXX XXXX to transfer money from my savings to my checking account. I was very upset with XXXX and looked into M and T as an alternative and was impressed with what they had to offer. HOWEVER, now having been with M and T bank I will NEVER bank with them again. On numerous occasions M and T bank has imposed a {$38.00} fee to my account because they are processing pending debits BEFORE processing pending credits that will more than amply cover any pending transaction. On XXXX/XXXX/XXXX I spoke with a Supervisor named XXXX ( she was the XXXX person that day I spoke to after being on the phone for more than an hour ). I had " overdrafted '' by {$26.00} because M and T processed a pending check before they processed my pending payroll. XXXX understood this and somehow was able to reverse the fee I was charged even though it seemed that was going to be an impossibility based on previous fee reversals ( some I admit and take responsibility for and some are from these exact same circumstances ). On XXXX/XXXX/XXXX they reversed the fee per XXXX 's request. Today, XXXX/XXXX/XXXX I am in the same boat as they are charging me for " overdrafting '' by {$3.00} when I had a pending credit of a higher amount. The debit was my mortgage payment that had NOT posted as of midnight on XXXX/XXXX/XXXX ( or XXXX/XXXX/XXXX am depending on how you look at it ) however on XXXX/XXXX/XXXX at around XXXX my account shows my mortgage payment having been posted on XXXX ( which it had not, it posted on the XXXX ) and it showed a credit pending for XXXX in an amount higher than the {$3.00} I supposedly went over by. My account balance was {$0.00} ( a positive amount ) when they charged me a {$38.00} fee for overdrafting!!! This is bad business, you should not make money off of your customers based on when you decide to processing pending items. I repeatedly asked the Supervisor, XXXX ( employee id XXXX ) to send me to the retention or to the customer complaint department to which she finally shared with me that M and T bank does not have these sorts of departments within their organization. Well let 's just say, I 'm not surprised.
XXXX had a grace period so that if you did happen to overdraft based on process timing such as this you would not be charged a fee. If it was due to your own error, as long as you fixed the discrepancy within ( I think ) 24 hours they would NOT assess a fee. They would also not charge a fee if the amount was under {$10.00} ( which I thought was a Federal mandate but maybe not ).
M and T bank is very creatively capturing my money and I am sure many other customers money with this clever practice of charging a fee based on the timing of THEIR processes, nothing to do with the client and even less to do with overdrafting. As a single mom living paycheck to paycheck every cent counts. {$38.00} may not make most people bat an eye but to me that 's groceries for a few days or gas for the week. I believe if there was a class action suit against them that many many clients would fall into the right category to qualify to sue M and T based on this issue. I will gladly go back to XXXX XXXX XXXX and pay a fee for transferring my own funds between my own accounts before I would EVER bank with M and T again.
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| 11/04/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American |
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I have maintained a XXXX XXXX corporate checking account for 26 years at M & T Bank in XXXX. They never complained about anything for 26 years until XXXX 2016 a computer program, not a person, decided to close my XXXX account and another corporate account called XXXX. I received XXXX identical letters just deciding to close the account.
The Bank charged about {$36.00} per month service fees for 26 years : {$10000.00} profit.
Now, mind you, we never bounced checks or caused any raucus for 26 years. This was I am told by Bank Services officials that they wanted to move in another direction. This was done the same week that I was approved as an Identity Theft victim against another bank.
I think this is discrimination due to my XXXX, my XXXX because we get our Social Security checks deposited into the accounts, the theft of our identity by another bank that has exposed us as victims and/or recent successful settlement of a dispute with the IRS.Or it could be some type of discrimination based specifically on my XXXX.
When I called upthe President, I was referred to XXXX reps Banking Services, whi each stated that it was a computer program that many people are complaining about and they were considering scraping it, and M & T bank wants to keep our accounts open. Then, another party in Banking Services named XXXX XXXX was very rude and stated the bank did not need to give a reason, they just decided to close it based on several factors including my XXXX and XXXX. I consider this XXXX and XXXX discrimination. For whatever reason they really think is appropriate, I am being discriminated against.
Under the federal discrimination laws, if we ask, they have to tell us why they are demanding closing our account as of XXXX/XXXX/16. ( attached ) Why discriminate against XXXX like us? We are XXXX and attempt to maintain XXXX small businesses in a civil fashion and pay our bills on time. But, we are not rich like the Bank. they expect to just close our accounts without an explanation?
I believe the Bank has violated federal and state discrimination and banking laws and should not be allowed to arbitrarily close our account when there is no bad business activity, the accounts are maintained with a good sufficient balance and we have maintained a quality good relationship with branch management for 26 years. Both accounts are in good standing per Branch manager. THIS IS VERY WEIRD! In fact, our Branch Bank manager XXXX XXXX offered to process an XXXX and a corporate business loan and credit card for us AFTER this XXXX/XXXX/16 closure letter was sent by a computer program. AS of XXXX/XXXX/16, XXXX XXXX stated both our accounts were in Good Standing and he did not know any reason why the Bank would want to close our good standing accounts.!
IN ADDITION, I HAVE ATTACHED NEW ACCOUNT SOLICITATIONS FOR CREDIT CARDS AND OTHER BANK SERVICES! Who is running this bank? Why threaten to close our accounts and solicit us for new business at the same time?
What is the name of this computer program installed at M & T bank, what are the data points that triggered the program to issue a letter without any management oversight?
What other XXXX victims have the Bank targeted to close their accounts without cause?
How many accounts has the Bank closed using this invisible computer program?
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| 09/26/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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This is part of Case number : XXXX which was supposed to have been resolved with credit reporting agencies ( as per letter we received from M & T ) but the issue has yet to be resolved ( it 's been 5 months ). We received a letter from M & T Bank stating they were going to resolve the issue with all credit reporting agencies. The negative mark is still on my wife 's TransUnion report even after took proper steps with XXXX to have the issue addressed. Per XXXX ... They contacted M & T Bank and their investigation did not result in removing the negative mark from XXXX credit report ( the XXXX report is unchanged ). I am including the original complaint inside this case because I was n't able to find a way to dispute or reopen the previous case.
XXXX ORIGINAL COMPLAINT ==== My wife and I walked into the XXXX XXXX M & T Bank branch XXXX XXXX XXXX XXXX XXXX XXXX to close all of our M & T accounts on file ( for myself and my wife ). We clearly stated our intentions to close all accounts and move on from this bank. After a half hour or so, we had exchanged cash where applicable in order to zero out each of our XXXX accounts. The banker told us we were completely closed out. We left the branch that day under the impression all accounts were closed per our discussion with the bank rep whose name is XXXX. A few weeks later we discover my wife 's " overdraft line of credit '' was in fact left open ( against our wishes ) and was now showing a negative balance of XXXX {$60.00}. The banker only actually closed XXXX out of XXXX of our accounts ( left my wife 's " overdraft protection '' line of credit open, even though the checking account it was linked to was closed ). So we immediately call the branch and we 're initially told its not possible to close the line of credit without coming into the branch. My wife explained to the rep its extremely difficult for us to come to this branch as its not close to our residence. Finally the rep says she will close the account and mail us a bill for the remaining balance on the account ( telling us that they waived a late fee ). 3 weeks go by and we do n't receive anything so we call again. This time we speak with a third rep who tells my wife to mail in a check for XXXX {$30.00} which will close out the account and we 're assured the account will actually be closed this time. We leave for a one-week vacation and when we return theres a letter from M & T Bank which is dated 3 days before our previous phone call and states that there 's an overdue balance of {$1.00} which at this point is 50 days past due and that this has been reported to credit bureaus. Sure enough we check my wife 's credit report and now see XXXX delinquent account on her report. This is the first and only delinquency on her credit report and her score has already dropped by XXXX points. We 've spoken with the branch manager named XXXX who is currently researching the issue has told us he 's not exactly sure if this is the bank 's fault and can not promise a reversal of the negative reporting to the credit bureaus. We firmly believe if the first banker ( XXXX ) had simply closed the overdraft line of credit the first time we visited the branch ( as we had asked for and assumed had happened ) there would be no issue and nothing negative to report to the credit bureaus.
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| 08/12/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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On XXXX my account was deducted {$690.00} for XXXX separate purchases at a gas station in XXXX, PA. The same day, I was contacted by M & T Bank notifying me of this charge and asking if I was in the area & if it was legitimate. I told them it was not. Nothing happened for over 2 months until I happened to notice on my e-statement that the charge was still there - I called in to inquire and was told that I did not submit a formal fraud claim therefore nothing happened. At that time, I notified them that I would like to submit it formally ( despite having thought I already did ). They then debited my added back the amount on XXXX as requested. I thought this was over.
On XXXX I received a notice in the mail that the amount that was debited was being reversed and to financially plan accordingly. I had no idea what was happening. I instantly called my local branch to inquire - they pointed me to the fraud department. The fraud department, a few hours later, informed that I had not filled out the required paperwork. Despite explaining that no one had ever sent me paperwork or had informed me of this requirement, they still said there was nothing I could do unless I could sign the paperwork that day. Unfortunately, I could not get to a branch as it was already past XXXX. On XXXX the amount was deducted ( again ) from my account. After calling the fraud department again, I was told they needed to mail me documentation to fill out and it should be arriving in 5-7 business days. After 7 business days I called to follow up because I had not received anything. They told me they would need to resend if I had n't received. However, the representative told me that it would be quicker to go into a branch because of the mailing delay. Due to my work schedule, I requested that he mail it anyway because that was not feasible for me. He refused. It took a formal request to speak with a manager before they would send the documentation the second time via mail. After another 7 business days with no documentation in the mail, I decided to drive into my local branch, on a Saturday, rather than fighting with the Fraud department again. In the local branch, I was told they do not have any documentation to submit a formal request - they had to request it from the Fraud department themselves. Since that department is closed on Saturdays, there was nothing they could do so I 'd have to come back in. The only silver lining was we were able to find an additional charge of {$230.00} from XXXX that was also fraudulent. The following week I was able to submit my formal request via fax back and forth from my local branch ( for all XXXX charges ). I was told it would be reviewed in 5-10 business days.
As I am writing this, it has now been 12 business days. I have been told on a daily basis that the fraud department is still reviewing but that I can not speak to anyone in the Fraud department. There are no updates. The only thing I have been told is that I will not be refunded with any interest on the {$930.00} despite the fact that M & T Bank has held MY MONEY in XXXX stints for a total of 90+ days. ( apparently this is because it was a fraud request a non-interest bearing checking account - they refuse to acknowledge that I had to transfer money from my Money Market to cover the shortages ).
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| 01/20/2024 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am now opting out of any and all authorization I the consumer may have given you. Unwritten verbal & non verbal Privacy Act of 1974The Privacy Act states in part : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains ... [ 2 ] There are specific exceptions to the Act that allow the use of personal records. Examples of these exceptions are : [ 3 ] For statistical purposes by the Census Bureau and the Bureau of Labor Statistics For routine uses within a U.S. government agency For archival purposes " as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government '' For law enforcement purposes For congressional investigations Other administrative purposes Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information
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| 11/18/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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My mother died in XXXX in XXXX. I became the executor on XX/XX/XXXX but the company M & T bank gave me a fax number that I used on that exact date but they didnt update my account and said I used the fax number but it went through intially. So I resent and was updated sometime in XXXX. In XXXX I paid XXXX dollars to get caught up although my first payment was in XXXX for XXXX dollars. So I received a call from co. And discussed my concerns about the payments I had made up until XXXX. They said XXXX covered until XXXX. However the real issue was in XXXX XXXX dollars applied to principal loan amount. Throughout the time I sent in death certificate and made payments I was charged numerous occupancy fees as if when no payment was made the home had been abandoned. My loan intention paperwork stated continue to pay or payoff. In XXXX they said I owed XXXX. The orginal amount borrowed in XX/XX/XXXX was XXXX. We had two other mortgage holders as banks sold my Mothers loan.XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX also had got into big trouble for inflating loans and selling them right around the time our loan transferred to them. When I called and asked they told me if it pertained to us we would receive something in the mail. Anyway M & T payments were around XXXX when my mother had been alive then they went up to XXXX however in XX/XX/XXXX I had taken XXXX off principal when they did their assessment my mortgage was XXXX $ up 200+ dollars. I emailed them my concerns because in XXXX. I anticipated yearly assessment and called the mortgage co. Spoke with insurance and regular customer service and was told Id be fine should not change at all. They paid out 1 extra yearly insurance amount of XXXX dollars in XXXX or XXXX but told me that wasnt the reason they had XXXX XXXX XXXX in escrow as My Mother had arranged. However XXXX XXXX sent M & T info for my own specific seperate vut new coverage in my name with probate status. I sent a XXXX payment in XXXX and it was sent back saying partial payments will not be accepted. I was under impression that they were working in resolving the mortgage increase so I stopped paying aftwr a check bounced in XXXX through automated system because I was not able to change the payment amount via that system.
I got the principal down to XXXX in XX/XX/XXXX. They had me in default with no email correspondence or answer to this increase after my large lump sum payments. So in XXXX I purchased another home with money from my inheritance. I had to pit XXXX dollars worth of work into the home that was built in XXXX and sent them picture and proposals showing that data.
I emailed again indicating i own another home that I recently bought because I couldnt afford the XXXX per month and even if I rented property I can only rent for about XXXX per mo th and so I maybe selling unless when my taxes come I XXXX I can pay off the foreclosure amount but Im willing to bet theres every fee imagineable associated with the foreclosure. I think theyre using lawyer I dont know the name off hand XXXX or XXXX XXXX they will know it. But I have a good amount of equity in the home and as stated I may get it out after I contact HUD as its FHA but M & T assistance line said Im not eligible as executor of estate because the loan isnt in my name per se.
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| 04/25/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Banking errors
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Web |
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Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX New York State Department of Financial Services XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : CFPB Complaint ID # XXXX & XXXX Dear CFPB, Thank you for hearing my concern. I write regarding my prior cases, which are related, and to flag a new issue, which is that the explanation that M & T provided you is not factually correct, and I have the documentation to prove it. In short, the explanation that they provided to you is wrong - either intentionally so ( which would be VERY problematic ) or negligently so ( which means that M & T 's outdated customer systems are not communicating with each other resulting in incorrect information being utilized by the bank and given to regulators.
Since I have logged my complain with your institutions, I have received a letter from M & T bank with an explanation of what happened. The letter sent from M & T had noted that copies were sent to your respective office ( as well as the NY Department of Financial Services ) in the salutation. After reading their explanation for why my safe deposit box was opened and my items removed during my rental period with no explanation, I was even more concerned as what they had told me. What I have on record does not agree with what they had stated in their letter of explanation to me, and more troublingly, to you, as one of the regulators.
My understanding from M & T employees at the XXXX branch where the safety deposit box was held, is that there was an incongruity with bank systems. Specifically, their legacy computer system XXXX was not communicating properly with their subsystem which manages safe deposit box rentals. In essence, the left hand did not know what the right hand was doing. I have still a copy of the rental agreement for that time period with the correct address and still my box was drilled and closed on XX/XX/XXXX. I have a copy of the safe deposit box rental invoice reflecting the current address and rental period XX/XX/XXXX to XX/XX/XXXX for confirmation. It reflects the XXXX XXXX address, not the XXXX XXXX address, which was their purported excuse to me and to you.
In sum, M & T drilled my safety deposit box during my rental period. The rental agreement reflects the current XXXX XXXX XXXX -- not the XXXX XXXX address. M & T faulted me for not updating my address, which was not true and also inconsistent with their own documents. M & T also faulted me to excuse its failure to contact me at the XXXX address. From bank personnel, I've learned that the bank 's outdate XXXX computer system is not updating addresses across all customer accounts or all bank operations. This leads to mistakes, such as their drilling my safe deposit box during my rental period when they had my current address. M & T then failed to bring the database communications issue to the CFPB/OCC/DFS during the inquiry.
Im hoping this complaint will address the obvious control gap in their process/systems so this will not happen to anyone in the future. My new concern is their disregard of any wrongdoing and their incorrect explanation offered to the regulating bodies, both in the initial letter they asked me to sign discharging them of any liability and the letter they sent detailing their excuse.
Sincerely, XXXX XXXX XXXX
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| 08/15/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I am again in the process of a deed-in-lieu of foreclosure on my house located at XXXX XXXX XXXX XXXX in XXXX DC . The home for this round has been vacant since XX/XX/XXXX.
MT Bank contacted me on XXXX XXXX and informed me they are now in the process of foreclosing on the home, stating I am in default for unpaid monthly payments. This is false- the Bank has paused the required monthly payments due to being in the DIL process- they are threatening to foreclose my home without my knowledge and without informing me of issues in the DIL process.
The DIL process has taken over a year since the application was submitted. The Bank has continuously dragged the process out, taking 2-3 months to send notary documents to an incorrect address several times, providing the wrong home address to the security company they hired to change the locks, and processing legal paperwork through their lawyers. I was informed in XXXX that the notary documents were received, and the last step was a final title check - which still has not been performed to close out the process. The Bank has failed to provide transparency or continuity in its statements about the process.
Due to the lengthy time MT Bank has taken, the home has now been compromised, and my financial struggles have no defined end. On XX/XX/XXXX, my next-door neighbor informed me that the property was broken into and trashed. The neighbors, who are physically connected to the townhome, have repeatedly called the cops about squatters on the property and are concerned for their familys safety. They are outraged that the Bank has not finalized this process, causing undue XXXX and worry about the safety of their children. I notified MT Bank on XX/XX/XXXX with the Police Report Case Number and received no feedback, response, or acknowledgment.
Their delay in closing out the DIL process has forced me to pay unnecessary utility costs, hundreds of dollars over the year, only made worse by the squatters who had broken into the home. They turned all the utilities back on and trashed the house. MT Bank continues to call me to cross-examine me about the home 's condition as part of their " process '' without finalizing the DIL in an acceptable timeframe, and despite the information I have repeatedly provided over the year.
The Bank has, in writing, held me to pay utility and insurance costs and accept responsibility for the maintenance of the home, which I have not had physical access to since they hired XXXX XXXX to change the locks and secure the property. I can not even have my insurance company enter the home to accurately assess the damages ( which I should not be held responsible for as I have no physical access to the house ). The neighbors informed me that XXXX XXXX was well aware of the squatters and made no further attempts to inform interested stakeholders or secure the home appropriately.
This is causing increased and unnecessary risk to the protection of the home, the neighborhood, and my financial costs- which I should no longer be obligated to since the Bank and XXXX XXXX have set the conditions for increased risk. I am concerned I will be held responsible for the effects of the Bank 's poor practices and further financially impacted by the surrounding issues. I have done my due diligence.
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| 05/16/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I purchased this property and I secured a home equity line from XXXX XXXX XXXX for the property at XXXX XXXX XXXX XXXX Tn XXXX.I also secured insurance from XXXX XXXX XXXX at that time. On XX/XX/XXXX I took advantage of a fixed rate loan option ( FRLO ) to convert from an adjustable to a fixed rate for the life of the loan paying {$150.00} as a conversion fee.
All copies were scanned and emailed to ( XXXX XXXX ) XXXX XXXX on XX/XX/XXXX regarding the statement and proof of conversion fee check and supporting documentation for the FRLO.
My XXXX loan was current as of XX/XX/XXXX when I received a letter that the loan was being transferred to XXXX XXXX.
I was called by XXXX XXXX ( XXXX XXXX ) as I wanted to put the loan on auto pay but when the loan was transferred there was a problem as my payment was XXXX but XXXX XXXX thought it was XXXX but that was 2 months. XXXX XXXX demanded that I make the payment and XXXX was my new monthly payment. The following month I was told I owe XXXX twice the XXXX.I really believe they have issues with their banking software system they are using.
Finally XXXX admitted there was a problem when it came over from XXXX and duplicated payments in their system.IN their eyes it is better to demand money and admit no wrong.
Next I was told to add them to the insurance so I was on the phone twice a week trying to get the payment correct on top of the interest rate problem as described above.
So XXXX XXXX does not work at XXXX XXXX anymore so now I start calling XXXX XXXX ( the new account rep ) and I leave message after message for 3 straight weeks at least a few times a day and no return call.
After about 4 weeks I was able to reach XXXX XXXX and explained all my concerns and I never heard back from her. I called XX/XX/XXXX and demanded to speak to anybody that could help and was called back by XXXX XXXX with XXXX XXXX.
I explained the situation and XXXX decided to take the position that he has been in the business 30 years and XXXX never does anything wrong and wanted to educate me on how interest works and force placed insurance all on a Friday night at XXXX.
I am XXXX XXXX XXXX XXXX so I believe I understand how it all works. I was told by XXXX that the loan came over from XXXX with forced place insurance but I have documentation that shows there was no forced place insurance. I also have documents that show that the statements are so incorrect because on XX/XX/XXXX that statement shows XXXX as interest payment and no principal payment.
On the statement I received dated XX/XX/XXXX it shows XXXX as they took the payment XXXX added XXXX they are trying to extort from me for force placed insurance equals XXXX and calling it the regular monthly payment.I have been very pro active to protect my credit and work with these people but they must have software issues and their lack of customer service is sad. I guess that is why they were fined XXXX XXXX by the CPFB. My issues are accuracy of statements and interest rate, lack of communication and both XXXX XXXX and XXXX XXXX both stated that the {$130.00} would be removed from the account as I was taken advantage of as I was working with them and was assured everything would be fine.That is similar to dual tracking only insurance related.
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| 08/01/2018 |
Yes |
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- Trouble during payment process
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Web |
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my issue is two fold 1 ) : XX/XX/2018 XXXX XXXX I wrote the following secure message " Saturday, XX/XX/XXXX we received an Annual Escrow Account Disclosure statement informing us that starting XX/XX/2018 our new monthly mortgage will be {$190000.00} and that we have a shortage of {$640.00}. Further it informed that if we don't pay this amount immediately, the shortage will turn into a payment plan for the next 12 months. I find this to be one of many errors by your institution. In XX/XX/2018 we received our annual escrow account disclosure statement, informing us our monthly mortgage would be {$2000.00} and our shortage was {$850.00}. This amount was paid in full with check # XXXX on XX/XX/2018 and deposited by your institution on XX/XX/2018. Therefore, I am unsure why we are getting a second annual escrow account disclosure statement ( we have always just received one annually ). I have also informed your institution in writing that we have met the criteria for our Private Mortgage insurance to be dropped as of XX/XX/2018. I was assured it was but have yet to receive a formal letter verifying this. I would greatly appreciate it if someone from your institution can explain the annual escrow account disclosure statement discrepancy and provide us with a written formal letter that the PMI has been discontinued. The reply I received was '' Thank you for your inquiry. I have forwarded your message to the appropriate area as a rushed request. Please be, once the research is complete, you will be contacted and provided the conclusion of the research. We appreciate your patience while we review your inquiry further If you have any further questions or concerns, please feel free to contact our Contact Center at XXXX. XX/XX/2018 I logged on to my bank and noticed M & T Bank withdrew the new amount of {$2000.00} without supplying me with a answer of why I was receiving the second escrow 2 ) XX/XX/2018 XXXX XXXX I wrote the following secure message to M & T Bank : " I am writing to request the cancellation of the Private Mortgage Insurance ( PMI ). As you are aware, Federal law allows for the cancellation of PMI when certain LTV ratios are met through the normal amortization of a mortgage, or amortization coupled with market appreciation. Although the Homeowner 's Protection Act of 1998 calls for the automatic cancellation of PMI when a 78 % LTV ratio has been reached through normal amortization, I also understand that I may request cancellation of my PMI when I have passed an 80 % LTV threshold. I believe that through regular payments and favorable market conditions that I have passed that mark, and therefore should be able to cancel the PMI on my loan. I believe that my payment history also meets appropriate requirements. Please advise me of the procedures for doing so at your earliest convenience. I look forward to your prompt reply. XX/XX/2018 I received the following message From- M & T `` Dear XXXX, Thank you for your inquiry. Please be advised, once the final Mortgage Insurance Premium ( MIP ) has been paid to HUD on XX/XX/18 an escrow analysis will be completed to remove the MIP from the monthly payment. Once the escrow analysis has been completed, a statement will be sent to the address of record advising you of the new payment amount. "
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| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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In accordance with the Fair Credit Reporting Act. The XXXX account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : M & T BANK ; Account number : XXXX Congress makes it very clear that M & T has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In the consumer credit transaction mentioned above, without giving me the opportunity to opt out, M & T chose to break the law and furnish my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX, XXXX XXXX XXXX ). According to 15 USC 6809 ( 4 ) ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. According to 15 USC 6809 ( 5 ) The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. M & T admitted to me that they passed my personal nonpublic information to a company named Radius Collection via letters in the mail.
M & T also failed to properly respond to my request for validation of this debt according to 12 CFR Part 1006 ( Regulation F ). They did not remove the unvalidated account from my consumer report while this account was being validated.
According to 15 U.S.C 1681 section 602 A., I have the right to privacy. According to 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. I NEVER gave M & T written instruction to furnish anything onto my consumer report. I want them to delete this account from my consumer report. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. M & T is aware that they are violating my rights as a consumer. I have disputed this account. I have sent them a notice of dispute. M & T has willingly broken several laws and violated my privacy. This leads to adverse action against me. I am NOT pleased at all.
They seem to have a blatant disregard for the law.
Furthermore, the Fair Credit Reporting Act 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment falls under the category of transactions. They should not be on my consumer report.
M & T has violated several laws at this point. Not only that, they are even reporting inaccurate information to my consumer report. I want this account deleted from my account immediately.
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| 04/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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M & T bank is holding my information hostage which is preventing me from receiving mortgage assistance through the state of Ohio. My wife and I applied and have been approved for six months of mortgage assistance through Ohio 's XXXX XXXX XXXXXXXX program funded by the CARES act. A part of the process to receive funding is for the Ohio XXXX XXXX XXXX to request a verification of mortgage from our loan/mortgage servicer, M & T bank. This communication and these requests take place through the U.S. Department of Treasury 's system where the Ohio XXXX informed us an information request typically takes 30 days. My wife and I were approved in XX/XX/XXXX and when the 30 days had passed in XX/XX/XXXX I called the Ohio HFA for a status update. The Ohio XXXX indicated that the request was left unanswered and that they were initiating a new request. I recognized that the 30 days took place over the holidays during a pandemic where staffing levels were low so waited another 30 days. In XXXX of XXXX I reached out to Ohio XXXX who indicated they still had not received anything from M & T bank so they submitted a fresh request through the treasury system. I inserted myself into what should be an automatic background process calling both the Ohio XXXX and M & T Bank every few days to piece together what the holdup was. This is where I learned about the Treasury system, that the information can't be simply faxed over, and the exact documents ( verification of mortgage ) needed by the Ohio XXXX. Repeated calls to M & T Bank did not connect me to anyone who was able to send this information through the Treasury system or who was in charge of responding to these requests. Numerous M & T Bank personnel and departments were mystified by my request and were no help. In XXXX of XXXX I heard from the Ohio XXXX that they had received my verification of mortgage from M & T bank through the treasury system but that my name was not included/spelled properly and therefore invalid. The Ohio XXXX let me know that they had reached out through this same system to M & T bank to issue a correction but like other communications this could take 30 days to hear back. In XXXX of XXXX I tried a new method to contact M & T bank where instead of calling I used their email messaging system. This got me in touch with the same consistent customer service representative who assured me that on XX/XX/XXXX my information was sent to the Ohio XXXX via the treasury system and should be received withing XXXX business days. On XX/XX/XXXX another communication from M & T bank indicated that they had lied to me my information had not been sent and that they are " researching the issue ''. My confidence in M & T bank has been completely eroded. I'm unsure if they have my information at all as this mortgage was transferred to them by the XXXX XXXX Mortgage company. If they do have it, then they are unable or unwilling to communicate this information to a government agency. Their incompetence is staggering. I am unable to determine if this is a flawed process, a flawed computer system, or some combination of the two on their end. After half a year of dead ends I feel my best course of action is to lodge a formal complaint with the CFPB in the hopes that this spurs some action on my case.
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| 09/19/2018 |
Yes |
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- Trouble during payment process
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Web |
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In XX/XX/XXXX, my husband called M & T Bank about refinancing our home. I was laid off in XX/XX/XXXX and since that time we have had trouble making our mortgage. We have been in our house since XX/XX/XXXX. The bank told my husband our payments would be higher and there wasn't anything they could to help us at that time. They saw that a payment had been made for XX/XX/XXXX and did not say anything about owing anything else, late payments, nothing! We were aware that we owed two payments, but nothing was mentioned.
We called M & T Bank on Tuesday XX/XX/XXXX to schedule the 2 payments that were needed. Schedule for the XXXX and XXXX. That is when we were rudely told that we were behind 6 payments and that our house was in foreclosure. We needed to talk to the lawyers. Of course that sent us into a tail spin of confusion, fear, and anger. We couldn't understand what happened.
On XX/XX/XXXX, my husband contacted M & T Bank and spoke with XXXX. We were then advised that our payments had increased by {$83.00} and we had not made any payments since XX/XX/XXXX. Sorry but he was not able to do anything else and we needed to speak with the lawyers about the foreclosure.
We received a letter from M & T Bank dated XX/XX/XXXX about past amount due {$7300.00}. Looking at the papers, noticed they received the payment of XXXX XX/XX/XXXX.
About the same time, we received a letter from XXXX XXXX XXXX XXXX. stating that they are collecting a debt and we need to call to obtain amounts that have been determined that are due.
We called their number and were told we need to send any information regarding our loan from M & T Bank ( last statement ), etc to see what our total payment would need to be to save our house. Upon being frantic and confused, on our bank record, we sent payments via from our account XXXX to the receiving bank M & T Bank. All these dates were confirmed and received by M & T Bank XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have paid the monthly mortgage payment thru bill payment from our XXXX account for over 2 years to M & T Bank.
We already know the amount was going to be at least {$7300.00}, so XX/XX/XXXX I borrowed against my 401K. Unfortunately, it wasn't enough. This situation has put us into deeper debt. We had to borrow from friends, parents, XXXX, and pawn some items.
I scanned and emailed XXXX XXXX XXXX XXXX. XX/XX/XXXX our last M & T bank statement with the attached paper dated XX/XX/XXXX, XXXX XXXX record confirming payments habe been made to M & T Bank, and their XX/XX/XXXX paper attempting to collect a debt.
We called the lawyers every other day to try to get a quote of how much it was to save our house. We were eventually told {$9300.00} on the phone.
We received an official letter XX/XX/XXXX that the {$9300.00} was due by XXXX on XX/XX/XXXX.
We wired the money XX/XX/XXXX before noon. We even called the Loss Mitigation Department to make sure they received the payment. It took 15 minutes of being on hold to " locate '' the funds.
Then XX/XX/XXXX we receive a letter from XXXX XXXX XXXX. ( XXXX XXXX XXXX ) that due to correspondence I sent XX/XX/XXXX to them, they were instructed from their client ( M & T Bank ) to close the file. No foreclosure sale is set and file is closed.
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| 10/14/2021 |
Yes |
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- Struggling to pay mortgage
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|
Web |
Servicemember |
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Can you or someone else contact me immediately I just walked outside and found 3 notices of a trustee sale on XX/XX/XXXX of my house posted on my door and I thought I was still on the XXXX forbearance program till end of month but my reason for contacting you is, regardless, my homeowners bill of rights, has been violated in almost every sense.
I have received absolutely nothing from the bank about any of this happening either written or verbal or that is was it even possibly happening or that I have options if it was to happen. No notice, no 30 day contact, no contact of options, no 10 day notice, no 5 day, nothing!!!
I definitely have no single point contact since Ive never been notified.
They never informed me I it was time to submit a new application which I understand they would do.
I never received any documentation from them in regards to my current forbearance so I am unsure what rules were to be followed by either party.
I also have 2 renters/tenants I have to answer to and renters law to abide by.
No documentation was obviously ever verified either.
Yes in XX/XX/XXXX, they did begin foreclosure and I did have to file bankruptcy to divert it but it states that they cancelled or withdrew the foreclosure, and then put me on forbearance plans twice, which means they would have to start the process all over again and follow the book or my rights and not just skip everything not tell me and say they are selling in 21 days.
In fact the only thing I have received the past 2 months is the email from them with the link to retrieve my monthly statements which for the past year they revoked my access to login so Im unable to retrieve them and they have been negligent at allowing an alternative copy be mailed or emailed to me, so I cant see statements either I previously have submitted 2 current applications for loss mitigation of which they were both denied and I was told I would be placed me on forbearance program, then that was extended and extended again and wait till a later date to go that path, the still needed to get better organized & understand any new programs that would come from this situation, but I was under the impression they would assist me at that time, not pull the rug out from under me, as Ive stayed in contact with them each time they have requested information and believe took a phone call from them 2-3 weeks ago and discussed the possibility of selling my home anyway and a foreclosure will ruin any financial gain or breaking even.
I was finally after 3 years ( because of covid as well ) granted my social security XXXX benefits just in XX/XX/XXXX so now I am able to at least qualify for loss mitigation, without the use of rental income or side work of which 2 years ago they would instantly deny and waiting for my SSDI ( I BECAME XX/XX/XXXX XXXX IN XX/XX/XXXX ) I keep making house payments with my state XXXX until that ran out, and then defaulted when my ex abandoned the home and family and skipped state also in XXXX, which is also the reason I fell behind from not having income but unable to work & while awaiting a decision for almost 3 years from the social security office.
XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX
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| 08/04/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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COPIES OF THE LIS PENDENS ', LIFT OF STAY AND ABANDONMENTS BOTH VERSIONS RECEIVED FROM THE XXXX TRUSTEE XXXX, XXXX XXXX WHICH WAS SUBMITTED TO XXXX XXXX ARE TO BE SUBMITTED TO XXXX.
WE WANT COPIES OF THE LIS PENDENS FROM XXXX XXXX FOR THE HOME LOCATED AT XXXX XXXX XXXX, XXXX GA XXXX, A COPY OF THE LETTER OF ABANDONMENT FROM THE XXXX TRUSTEE AND THE MOTION TO LIFT THE AUTOMATIC STAY WHICH YOU VIOLATED. XXXX WENT TO THE HOME AND CHANGED ALL OF THE LOCKS AND PLACED A LOCK BOX ON THE DOOR, THE HOME WAS NOT PHYSICALLY ABANDONED. THE ELECTRIC WAS ON IN OUR NAMES AND I WAS IN AND OUT OF THE HOME RESTORING IT. THIS IS WHY IT CITES OIN MY WIFE 'S XXXX RECORDS THE HOME WAS ABANDONED.XXXX TOTALLY VIOLATED THE STAY WILLFULLY! .WE RECEIVED ADDITIONAL INFORMATION WHICH WAS TOTALLY SHOCKING REGARDING THE PLAYERS WITHIN THE XXXX INVOLVED ON MY WIFE 'S CASE. NOW EVERYTHING MAKES SINCE AND THE PUBLIC NEEDS TO BE INFORMED. IF IT HAPPENED TO US WE KNOW THERE ARE THOUSANDS OF OTHERS IN EACH STATE XXXX XXXX HAS OFFICES, WHICH HAVE AND ARE GOING THROUGH THE SAME SCENARIO. THIS IS NOT US JUST TALKING! According to the US Trustee Office, An individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys fees, and, in appropriate circumstances, punitive damages. Well, EVERY CRIMINAL ENTERPRISE STATED WE RECEIVED LOANS ON EACH OF OUR PERSONAL PROPERTIES BUT, WE DID NOT! My wife filed Bankruptcy WHICH SHOULD HAVE NEVER BEEN FILED. Our properties were abandoned by the XXXX Trustee XXXX XXXX XXXX citing no equity. Furthermore, if we were paying the mortgages on the home why would there be no equity. The answer is BECAUSE WE NEVER RECEIVED ANY LOANS ON ANY OF OUR PROPERTIES SO, IT WAS AS IF NO MORTGAGE WAS PAID. OUR MONEY WAS STOLEN! The trustee abandoned EVERY PROPERTY, LAWSUIT ( MY WIFE 'S COMPANY FILED A LAWSUIT AGINST THE STATE OF AND THE XXXX XXXX WAS STOLEN BY THE STATE OF GEORGIA VIA HER COMPANY 'S REPRESENTING ATTORNEY, XXXX XXXX LOCATED IN XXXX XXXX ), HE ABANDONED MY AUTO ACCIDENTS BUT LATER STATED HE APPROVED ONE OF HER COLLEAGUES TO REPRESENT ME XXXX XXXX WHO LATER TERMINATED ME BECAUSE THEY WERE AWARE OF THE DRIVER WHO HIT ME XXXX XXXX ). AS FAR AS WE ARE CONCERNED THEY WERE A PART OF HIS DEATH!! ACCIDENT DATE XXXX XXXX XXXX XXXX OF XXXX. ( EXTRA INFO ) Back to the topic at hand,. The properties since abandonment should have been returned back to my wife, XXXX XXXX XXXX The trickery of a LIFT OF STAY. How can a judge approve a lift of stay KNOWING THEIR WAS FRAUD AND AN INVESTIGATION IS REQUIRED. DO THEY REALLY THINK WE ARE XXXX? TO TOP IT OFF EACH HOME HAD A RECORDED LIS PENDENS ' ATTACHED TO EACH. IF WE HAD OR RECEIVED A LOAN THE LIS PENDENS NONE OF THE HOMES COULD NOT BE SOLD UNTIL THE LIS PENDENS WAS SATISFIED. THE HOMES WAS STOLEN PRIOR TO MY WIFE 'S DISCHARGE XX/XX/2022 ( WHICH IS MY XXXX ). I THINK THE XXXX WAS ATTEMPTING TO BE HUMOROUS. GIVEN THE EVIDENCE VALIDATING THE CONNECTION BETWEEN XXXX, XXXX XXXX, THE XXXX JUDGE AND TRUSTEE. ALLOW THEM TO LAUGH! SO, IF WE HAD A LOAN WHERE IS THE MONEY PAID MONTHLY FOR XXXX XXXX XXXX, XXXX GA XXXX. THE LIS PENDENS ' HAD TO BE SATISFIED AND PAID DIRECTLY TO US!
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| 06/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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To whom it may concern, I am writing this letter to report a foreclosure that has been filed against me for not repaying my second mortgage of which I was unaware of whom the lender is. The second loan was sold numerous times to different lenders, from ever since I purchased my home throughout the years, and there wasn't any definite lender made known to me at the time so that I would be able to repay the loan. During that time period I hired an attorney from the XXXX XXXX Firm to remedy my first loan that I also had issues with fraudulent paperwork/lost notes. Hence, a case was filed against the lender that was involved with the first loan and it was dismissed in XXXX. After the dismissal of the first Mortgage loan in court, I was given a written mortgage contract for the second loan to sign, of which I was given the impression/understanding by my said attorney that I was now making payments on the second loan in question. After the fact, I get to understand that the mortgage contract was not for the second loan. Ever since I've being making payments to the attorney for over 7yrs. At that time in question I placed my trust in my attorney to do what is right. Now years later, I am been accused by this bank name Wilmington XXXX XXXX XXXX XXXX who say that they now own the second loan and have copy of the notes. I strongly believe that they don't have the original notes for the loan and for what I'm understanding they got the loan signed by an affidavit to say that they own the loan. This whole transaction is fraudulent. Now they are saying that I have defaulted on the loan that was just recovered by them. Owing to the fact that I have an attorney at the time that knew about both mortgages and I never gotten any letters or response from any lenders before until now. In this regard, how can I be at fault when I was given the understanding that my attorney was doing the right thing. In the documentation that I received from Wilmington XXXX XXXX XXXX with the summons, I noticed that on one of the pages someone forged my husband 's signature on a document that is therefore a fraudulent act. This forgery of my husband 's signature clearly demonstrates the dishonesty of Wilington XXXX XXXX XXXX and the length that they would go to try taking my home away from me. My husbands name was not on the original loan document. I can't afford for them to just come and take away my home for the use of fraudulent documents. I would be willing in good faith to work with whomever is the trusted lender of the loan and thus start making my monthly payments, but they are not complying to work with me and their intention is to take my home away. I need help from someone to avoid this institution from taking my home. I did not default on the loan, the note for the loan was lost or stolen since when I first bought my house in XXXX and now all of a sudden they are trying to sue me for defaulting on the loan of which is false. I live in my home for 15yrs now and I never would have imagine that something unlawful like this would happen to me. All I'm asking is for them to just work with me to start a new chapter with them. Please I'm asking someone for help in this matter. Thank you.
Regards,
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| 07/11/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Reference - Case number : XXXX M & T Loan Number - XXXX XXXX XXXX has come back and passed the blame to M & T bank that they did the original modification which is not what they requested from M & T bank. XXXX in their response to this complaint stated that they simply transferred my mortgage to M & T bank and did not request a modification since the loan did not require a modification. See XXXX as the Note Holder 's response below.
Response disputed XXXX XXXX said : Explanation of closure The attached response was mailed.
XXXX XXXX records reflect that your account closed in XXXX XXXX. The purpose of the loan was to refinance your primary residence. The original loan amount was {$210000.00}. During the time period your account was serviced by XXXX XXXX. ( XXXX ) we have no records of approving you for a loan modification.
On XXXX XXXX, XXXX, your account was transferred to M & T Bank. When the loan was transferred to the new servicer you were due for the XXXX through XXXX XXXX payments. At that time, the handling of your loan and your records were forwarded to the new servicer. Please be advised that M & T Bank is not a subsidiary of XXXX. Thus, any request or concerns regarding the servicing of your loan should be directed to M & T Bank or the current servicer of your loan.
WHAT HAPPENED Describe what happened so we can understand the issue ...
Our mortgage loan with XXXX was barely 2 months late when the bank representative did not respond to an email I sent with the funds at least XXXX hours before the cutoff notice. I still have a record of that email and the communications I had with the XXXX mortgage bank representative. The end result was that XXXX then forced us to complete a modification with their own Wholly owned subsidiary M & T bank which forced us into more fees added to our mortgage outstanding loan and a longer time to process it. This scenario set the stage for at least XXXX other modifications later that has now resulted in a house that is under water and a balance that is inaccurate. The original loan amount was {$210000.00} in XXXX and at that time we made a down payment of {$13000.00} As of XXXX we are told that the balance owed is still {$210000.00} XXXX Which part of the mortgage process is your issue related to?
Making payments This is about FHA mortgage DESIRED RESOLUTION What do you think would be a fair resolution to your issue?
We 'd like for all the additional charges and fees that has been added to our original loan be deducted from our principal including the mortgage payments made on the loan since XXXX. I estimate that the principal on the mortgage should be approximately {$130000.00} to {$140000.00} on our home as of XXXX XXXX.
Alternatively, I would prefer that the equity in our home be made available to us in cash or approved for a townhouse or condominium and XXXX can go ahead and take possession of the single family house.
MY INFORMATION Contact information Mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Email XXXXXXXXXXXX Phone XXXX Age XXXX I am submitting on behalf of Myself PRODUCT INFORMATION Property address XXXX XXXX XXXX XXXX XXXX XXXX United States Account/Loan number XXXX
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| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX, I contracted XXXX XXXX and missed the last few weeks of school. I did not know that I was out of personal time and I had already received my final paycheck of the school year. My first paycheck was to be deposited by XX/XX/XXXX and my mortgage is due on the XXXX of the month, with a grace period of the XXXX.
My HR department never told me that my paycheck would be docked. As soon as I realized I was to be {$1700.00} short for XXXX, I contacted M & T Bank re : my mortgage and explained there was no way I could pay it within 30 days, and I wanted to avoid a 30 day mark on my credit.
I offered to make a partial payment of {$1200.00} if they could extend the other amount out a few weeks. They advised they could not take partial payments and that I would need my account to go 30 days late before I called them back and applied for assistance.
As of XX/XX/XXXX, my account was 30 days late and I called on XX/XX/XXXX. I was told that I could apply for a partial claim ( and that the late payment would be restructured into the loan. ) I was told this could take up to 30 days. I asked about the late payment. I specifically asked if the request was still in underwriting, would I be reported AGAIN the following month for being late. I was told no, my account was " protected. '' This was not the case.
Underwriting took the full 30 days, and then some, and they reported me late to the credit bureaus for 60 days. After that happened, I called back and was told that I had been given wrong information and that in fact, even though I was approved for the program, until the loan " closes '' ( after a notary comes ) I would continue to be reported for late mortgage payments.
There was a TWO-WEEK Delay for the mobile notary, who finally came out on XXXX XXXX.
I was devastated to find that my credit was totally destroyed because of this. I would have simply made the late payment and NEVER applied for this partial claim. NEVER.
Because I know have FOUR late payments on my credit report, I can not finance anything for YEARS.
On XXXX XXXX, I was struck by a deer. My XXXX XXXX ( 2.99 % interest, purchased pre-Covid, ) was totaled.
I could not get ANY financing at a dealership because their underwriting teams were requesting proof of " current mortgage '' AND WOULD NOT CONSIDER A RESTRUCTURED LOAN. I was denied.
I had to go to a used sales lot, pay a higher price on a vehicle, 24 % interest and I have no way to refinance for years unless these late payments come off my report.
I feel that in GOOD FAITH, these late payments should be REMOVED. M & T has destroyed my financial life, the security of my family, and caused me to have to take a 2nd job as I'm now paying MORE for a XXXX XXXX than I had paid for my XXXX XXXX XXXX, which was 50 % paid for, and I had to put XXXX down and take out a 5 YEAR LOAN.
They did not act in Good Faith. I asked these questions about my credit and I was misinformed, and information was withheld from me multiple times.
I can dispute these on my credit report, but I know that often a co. will not remove them.
I feel that MT Bank acted dishonestly and the LEAST they can do is remove those late marks for XXXX, XXXX, XXXX, XXXX.
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| 01/20/2024 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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I contacted M & T Bank in XX/XX/XXXX and told them my property taxes needed to be paid in full by XXXX. M & T paid the taxes in full. XXXX, I contacted M & T and again told them my property taxes needed to be paid in full by XXXX. On XXXX, I checked my escrow acct and M & T had only paid the first half. I told them again they needed to send the second half prior to XXXX. They told me they could not because there wasn't enough time to send them out. I was very upset that they failed to pay the taxes in full by the date I requested. I told them I would have to borrow the money to pay for the 2nd half. I borrowed the money and paid the XXXX half so I could claim my property taxes when I file my income taxes in XXXX. XXXX M & T sent a check to the XXXX XXXX treasurer for part of the XXXX half. On XXXX they sent another check to the XXXX XXXX treasurer for the remainder.Odd how they couldn't pay them in full by XXXX as per my request. I received a call from XXXX XXXX at M & T on XXXX. He said the XXXX and XXXX payments they sent to the XXXX XXXX XXXX would be returned to our escrow. That money doesn't belong in the escrow. The property taxes have been paid in full because they paid half them from the escrow and I borrowed the remaining portion of the property taxes that they neglicted to pay by XXXX as per my request. There was enough money in the escrow XXXX to pay the property taxes in full. So now the property taxes have been paid XXXX XXXX times. That money should be returned to me immediately, not returned to the escrow. He also said they will reevaluate the escrow. The escrow is fine and the monthly amount I put in escrow is fine. They don't need to readajust the escrow. There was enough money in the escrow. They created the problem because they can't follow simple directions. Had they paid the property taxes in full by XXXX there wouldn't have been a problem. Odd how after I complained that they neglected to pay the taxes in full on time, they sent two checks to XXXX XXXX treasurer after the fact in XXXX of XXXX from my escrow which I still don't understand why they paid that portion after the due date. That overage that was paid to the XXXX XXXX XXXX belongs to me and not the escrow. I am out that money. Leave the escrow alone as it is correct and return the money to me that I have coming. I have NEVER had a problem with any other bank. M & T can't follow directions. I need the property taxes paid in full by XX/XX/XXXX each year as we need them paid in full for our income taxes. XXXX XXXX told me they can't return that money ( which I am owed, not the escrow ) because it needs to be returned to escrow. I am out that money, the escrow isn't. Please help.I am owed the {$2100.00}, not the escrow. I am paying interest on the money I borrowed to pay the remaining portion of the property taxes, and they want to put that money in escrow so they can make interest on my money. Putting it back in escrow will create a huge overage in escrow and cause nothing but problems with my future payments. They need to send me my money back and leave the escrow acct alone. The escrow payments I have been making are correct. They don't have a clue what they are doing.
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| 05/06/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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M & T bank keeps manipulating the order of my daily transactions and keeps delaying transactions posting in order to maximize the chances to get hit by overdraft fee.
I would like to know why M & T bank does not post DEBIT Card / Checking account transactions in the order they occurred. Why like XXXX XXXX XXXX or any other banks, M & T does not post automatically and chronologically and on a daily basis Debit Card transactions made on a business day? Why some charges have to be pending for XXXX 3 days before they get posted so the available balance is up to date and the customer will not be misleaded to think that they have money in their account when in reality they do n't?
I gathered evidence and vendor receipts showing the date when transactions were made with my M & T debit card and the day M & T bank post my transactions in an order different than the order of my purchases triggering an overdraft fee. In addition, how come I receive Instant Alert XXXX day after my account is negative or Checking below {$2.00} so M & T can charge overdraft fees while Alerts are received instantly when Cash is deposited in my account?
On XXXX/XXXX/16 : I made an online payment of {$100.00} to my XXXX XXXX credit line. This transaction is posted on XXXX/XXXX/2016.
On XXXX/XXXX/2016 : - XXXX transaction XXXX : {$50.00} sent for deposit in XXXX.
- XXXX transaction XXXX : I made a debit payment of {$120.00} at XXXX store.
On XXXX/XXXX/2016 : at XXXX, I received a text Alert Stating : " M & T Alert : XXXX is below {$2.00}. Available balance is - {$0.00} as of XXXX on XXXX/XXXX/16. May not reflect all transactions. '' As of XXXX/XXXX/2016 in the late night, XXXX XXXX transaction and XXXX transaction are first posted in the night batch but my {$50.00} deposit ( which should be posted too on the same date ) is still shown as pending leading the overdraft XXXX/XXXX/2016. I took a screenshot of my account on XXXX/XXXX/2016 at XXXX XXXX, the {$50.00} is still shown as pending but my available balance is {$49.00} however my total balance is - {$0.00}. Why the {$50.00} deposit is was not cleared at the same time as the XXXX transaction on XXXX/XXXX/2016 which came second?
I went to the ATM to make a {$10.00} Cash deposit ; it says that my total available balances after that deposit that {$10.00} deposit is {$59.00} which meant that the {$50.00} deposit was immediately available but they chose to clear it after hitting me with overdraft fees ( please refer to ATM receipt at XXXX on XXXX/XXXX/2016 ).
I have receipts and XXXX screenshot that shows time and date when XXXX XXXX/XXXX/2016 transaction were made.
On XXXX/XXXX/2016, I got hit by {$38.00} fee that is automatically posted in the night batch.
Desired Settlement M & T posts transaction that for sure will lead to overdraft my account then post afterward deposit transaction that would offset any overdraft risk by not clearing deposits that show available but still pending. This is not my first written complain.
I demand {$2000.00} to settle this case for the impact it caused when I want to apply for a small consumption loan, the inconveniency and for punitive because I am sure I am not the only victim.
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| 01/21/2024 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Servicemember |
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M & T Bank is attempting to overcharge me for my mortgage and they can not even explain how they arrived at an erroneous tax amount on my mortgage statement.
Their customer service is very difficult to get ahold of with wait times over an hour and they never call you back. they just send bills and act without integrity towards the XXXX.
The mortgage company erroneously added some imaginary tax amount to my escrow account even though I am exempt from taxes. My mortgage was originated by XXXX XXXXXXXX XXXX who respected my tax exemption that is cared for in the Florida statute below : " Any real estate owned and used as a homestead by a veteran who was XXXX XXXX and has been certified as having a service-connected, XXXX XXXX XXXX XXXXXXXX, is exempt from taxation of the veteran is a permanent resident of Florida and has legal title to the property on XX/XX/XXXX of the tax year for which exemption is being claimed. ( XXXX XXXX ( XXXX ) ) '' I have been part of the homestead exemption program since XX/XX/XXXX. I am registered as XXXX with the XXXX XXXX tax collector on their website that generates tax bills.
The M & T tax bill is a human error made up erroneously that is causing undue hardship to a XXXX person on a fixed income. This company is Terrible to work with.
Here is one of the letters I sent the mortgage company on both XX/XX/XXXX and XX/XX/XXXX ( word for word ) and they have failed to address my concern. I need to let the CFPB step in and get some executive presence or a hefty fine on M & T for this civil rights violation.
Regarding account : XXXX. I called XXXX weeks ago and spoke with the tax department I just got a letter denying my request to have taxes removed, which somebody added. for the first 6 months of M & T servicing, you respected my $ XXXX XXXX tax. What happened. Who messed up. I need answers and accountability. This is absurd and is demeaning to those who have fought and gave all for this country. I am a 100 % Service connected XXXX veteran who is exempt from Property taxes in the state of Florida. I bought the home in XXXX from the previous owner who paid taxes. However with my XXXX veteran tax exemption. I have never paid taxes in Florida and never will. I am on a fixed income and can not afford to pay the proposed increase of close to {$800.00}. My previous mortgage company XXXX did not collect escrow for tax and neither has M & T for the past XXXX billing cycles. I called to correct this issue and you sent me a denial letter because of your lack of research or inability to view a county website showing I am exempt and XXXX and the tax on my home is {$0.00}. M & T Bank are violating my rights as a service XXXX veteran.
XXXX XXXX attests on their website at the following link that I am exempt from paying taxes. https : XXXX? XXXX & XXXX Florida statute clearly states that a XXXX veteran, once enrolled in the homestead program ( which I am ) shall NEVER pay property tax. Please update my escrow account and make the corrections. I can not afford to make the new proposed payment and plan on making the original and legal payment amount of {$5500.00} Please have a supervisor contact me ASAP XXXX XXXX XXXX
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| 09/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
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My credit card was due to expire in XX/XX/XXXX. I received a letter at some point notifying me of this, and that a new card would arrive in time before expiration. I waited through XXXX and part of XXXX and it never came so I called and discovered it had been sent to an old address of mine, 5 hours away in a different state, where I have not lived for at least 3 years. I had opened the credit card account when I lived at that address, but I have since updated my address online, in person at the bank, and over the phone many many times. The rep I spoke with apologized for the mistake, supposedly got my address updated, and said they'd cancel that card and issue a new one to the correct address. I Some time went by and the card never arrived, so I called again. They had sent the card to my old address again. Same thing, they apologized, ask me for the correct address, and say they'll send it out. This happened maybe 2 more times exactly the same way. After that it was nearly XXXX and my card was expired. I waited the 7 - 10 business days as instructed and called yet again. Every single time they sent it to my old address. One rep told me that sometimes the address gets updated in only one part of your account, but not another. I do not understand why updating your address at all, would not update your address across the board. This is definitely a security issue. I waited again and did not receive the card. I called again on a sunday just to check up on the status, and AGAIN the rep tells me it was sent to the wrong address! She apologizes, says she'll expedite it, it never comes. I called last Wednesday about this, they sent it to the wrong address again. Now THIS rep says she'll expedite it, I can expect it in 1-3 business days. I waited, but called each day to ask them to confirm that it was being sent to my address. Each time I received confirmation that it was indeed sent to my correct address. By yesterday XX/XX/XXXX, i had surpassed the 1-3 business days and called again. I was told that yes, it was sent to my correct address, and they would have a supervisor contact me with tracking information. I never received a call. I called this morning XX/XX/XXXX at XXXX to inquire about this. The rep this time provided me with the tracking number and said it showed as delivered. I entered the tracking number online and see that it was indeed delivered, once again to the WRONG ADDRESS. She put me on hold a while, came back and apologized, said the address was DEFINITELY updated everywhere this time and that they would expedite the card to me again. I do not know yet if this one will actually be coming to me but after 4, 5, 6 times of having to get it reissued, I have about zero faith that the issue has really been resolved. How can a BANK have such a difficult time ensuring that a customer 's credit card information is not being freely mailed to a stranger, 6 times??? Unfortunately I do not have specific dates for these calls as my phone record only shows me back to the beginning of XXXX and i was not expecting this to go on for so long so I have not been recording names and details. However they should have everything in their notes.
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| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Company explaining amount owed
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Web |
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This is a follow up to a complaint filed yesterday for this same issue. In the last XXXX hours I have been continually materially impacted by incorrect information and misrepresentations made by the repossession department at M & T. I was told by M & T representatives that in order to release my vehicle, they needed the towing company to respond with total costs so they could add it to my payoff balance. I was told to wait and that this could take several hours. After nearly a full day I simply began calling tow companies locally. I was told by M & T employees on XX/XX/17 that they were not at liberty to disclose the towing company or location of my car as a matter of protecting the outside company. After simply calling a few companies I found that XXXX XXXX, a local tow company, had my car and was more than willing to let me know exactly where it was and how much the costs were associated with the tow. Not only did she tell me that the costs are always the same, she told me that this bank in particular ( M & T ) continuously holds up repossessed cars from being reclaimed by their owners for this reason. Furthermore, she informed me that her company had immediately sent all necessary information to M & T the morning that they took my car. There will be at least XXXX instances on the recorded line of M & T employees claiming that they did not have that information when in fact it had been provided before the bank had even opened that day. After speaking with the tow company I called back to M & T and was told, again, that the information was not available and I would have to wait. When I informed the representative I was speaking with that I had called to the tow company and learned that they had in fact furnished the needed information I was told " it ain't gon na make a difference ''. The M & T representative said that my speaking with the tow company did not matter and I would simply have to wait. At that point I asked for identifying information for the call so I could reference it in the future. At that point I was put on hold before the representative came back on and told me that suddenly the company did in fact have the information they needed and I was next on the list to be called. After several hours I received a call back giving me directions on how to pay my loan balance and was told that I would need to bring cash or a certified check in the amount of {$1600.00} to an M & T location so I could have my car released. This will be on the recorded line on XX/XX/17 around XXXX. When I arrived at the M & T Location with a certified check for {$1700.00} I was told that the payoff amount was in fact {$2000.00} and that I would need to use the ATM ( for a fee of course ) to pay the remaining balance. At nearly every juncture of what was already a critically damaging moment for my family and I, M & T bank has proven unable to furnish me with accurate information, or provide systems that can be relied upon. The lack of professionalism or attention to detail in any company would be shocking. The fact that this organization is XXXX families rely on to perform critical functions in their financial lives is frankly horrifying.
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| 03/16/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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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.
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| 07/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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Compliant against : M & T Bank Address : XXXX XXXX XXXX, XXXX, NY, XXXX Phone : XXXX Point of Contact : XXXX XXXX, Branch Chief Email : XXXX To whom it may concern : I am writing to file a complaint against the M & T Bank located at XXXX XXXX XXXX, XXXX, NY.
My brother XXXX XXXX XXXX XXXX XXXX has a checking account ( XXXX ) with M & T Bank under his name and his business ( XXXX, XXXX, XXXX ). He passed on XX/XX/XXXX and I have been responsible for settling his business affairs. I initially contacted the bank on XX/XX/XXXX to find out what paperwork they required to disburse funds in his account to his successor which is not me. I have been in contact with the Banks Branch Manager, XXXX XXXX, at least a dozen times since my initial contact on XX/XX/XXXX and XX/XX/XXXX, and still can not obtain an update on the status of the review because the legal department has not been forthcoming or transparent in communicating to the Branch Manager the status of the review or the required steps to disburse the funds.
According to XXXX XXXX, the legal department needed to establish that my brother had 100 % ownership in the business which makes sense. Therefore, I sent the articles of organization for the LLC and a letter from the Department of Treasury, Internal Revenue Service, both of which are attached for your review, and which show that he is the sole member of the LLC. I also submitted his death certificate, a copy of his XXXX individual tax returns that he filed under the business name and a Collection of Personal Property by Affidavit Pursuant to 15-12-1201, C.R.S, all of which are attached. The basis of the complaint is two-fold : 1 ) the banks legal department has not been forthcoming or transparent about the status of the review. In fact, when I contacted the liaison with the legal department ( XXXX XXXX ) most recently on Wednesday, XX/XX/XXXX, after checking the status of the review, she conveyed to me that the legal department withdraw my request. According to her, she sent an email to the legal department to request clarification on what withdrawal meant and as of Friday, XX/XX/XXXX, XXXX days after submitted the documents to close his banking account and disburse the funds to his successor, I have not received any clarification or communication from the Banks legal department on the status of the review. 2 ) the funds remain on deposit in the bank in my brothers account, which based on conversations with my brother before he passed may be as much as {$50000.00}, without any clear communication from the legal department about the status of the review and the steps necessary to disburse the funds to his successor.
For additional context, my brother was living with our mother and working remote after he lived in the New York area where he opened the account. I understand that you can not compel the bank to close the account or disburse the funds. However, my objective is to receive a status update on my efforts to close the account and disburse the funds. The legal department has been less than transparent and uncommunicative in terms of the status and what if any additional paperwork is required.
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| 01/05/2024 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
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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
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| 02/24/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
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Financial Institution Involved : M & T Bank Transaction Type : Direct payment between M & T Bank accounts Checking ( DDA ) / Savings ( TDA ) and Auto Loan Payment Due Date : XXXX of every month Reason for complaint : Unnecessary hold by M & T Bank on payment from one internal account to another, thus fostering situations where I was debited twice for the same amount. This bank procedure potentially places customers in jeopardy of unnecessary fees and/or other essential outgoing debits being returned.
I had forgotten that I had signed up for automatic billing on my Auto Loan account when it was initiated. I have a continuous pattern of making a manual payment from my M & T Bank DDA/TDA to my M & T Bank Auto Loan, often several days before the payment due date with no evidence of duplicate debits. Due to the Covid-19 pandemic and its related financial difficulties, it has become even more necessary for myself to manually monitor my account and manually control debits.
There are two instances that I have identified where M & T Bank unexpectedly debited my account a second time for the same amount, despite my prior payment. Both of my payments were initiated the day before the due date.
Example 1 : XX/XX/XXXX : Manual payment of {$300.00} was made to Auto Loan from DDA/TDA with payment posting same day ; XX/XX/XXXX : Duplicate payment auto debited by M & T Bank from my DDA ( despite payment the day before ) and posted on XX/XX/XXXX -I didn't contact M & T Bank because I thought that I had mistakenly paid the account twice.
Example 2 : XX/XX/XXXX : Manual payment of {$300.00} made by self to Auto Loan and posted XX/XX/XXXX ; XX/XX/XXXX : Duplicate payment auto debited by M & T Bank from my DDA ( despite payment the day before ) and posted on XX/XX/XXXX -I contacted the bank recently after seeing a discrepancy in my bank transfers which only showed my manual payments to the Auto Loan and not the Auto debits made by M & T Bank . I was advised that although funds are debited the same day that a manual payment is made, they are essentially held by the bank before later posting to the account. I advised M & T Bank that this shouldn't occur since the funds were originating from an internal M & T Bank and not from an external financial institution ( it would be understandable if M & T Bank needed to verify funds or similar from external source, thus placing a hold ). In addition, my account at the time didn't have an uncollected balance or other issues which would have possibly affected my payment, nor do I have any history involving returned payments on any of my M & T Bank loan accounts. Nevertheless, I was advised that this was their procedure.
The M & T Bank representative I spoke with advised that I could dispute my most recent payment, but made it clear that there was no recourse for the prior duplicate payments. I made a payment on XX/XX/XXXX, which could have resulted in another duplicate payment had there not been a one the month before, thus resulting in my next payment being due now in XX/XX/XXXX.
I am waiting for a response from M & T Bank, in what form it will be, I do not know.
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| 07/11/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My husband and I own a six unit property in XXXX Florida which we pay M & T Mortgage the mortgage payments. On XX/XX/XXXX we called M & T Mortgage to inquire/request about what M & T website calls a ( Construction Financing ) loan but was told by an M & T representative ( XXXX I believe the name ) that we would have to go inside the branch to apply. I stated that you do not have an M & T branch in XXXX Florida to physically walk in to. She stated Oh thats right, so you can not apply for a property financing loan. It is clear that they are using the excuse that if you can not physically walk in a branch, you do not get the option to apply for any type loan. I stated to the M & T representative that we have been ( and still ) paying a mortgage to M & T for approximately ( 12 ) years and stated to her that the M & T website offered different types of commercial financing loans to M & T property owners, etc. The below Financing Option is what we were trying to request. As stated on M & T website : https : //www.mtb.comXXXX Our Portfolio of Real Estate Financing Options Due to our outstanding credit culture, M & T has achieved a reputation of excellence for providing quality products and superior service. We can work together with you to find the financing option that fits your needs. The Number given on website ( XXXX ) Construction Financing Apply for financing with new construction or the renovation of your investment or business property. Within that same conversation she told us that ( XXXX was the mortgage company ) and [ M & T ] is just the Servicing Company so they could not assist us with Construction Financing from their M & T Commercial Property website anyway. So we told her we will call the XXXX XXXX. On the call with the XXXX XXXX ( we spoke with a male employee ) and explain to him what M & T stated, that to call them because they are our mortgage company. The XXXX XXXX told us that they were just servicers to us also and that the servicing ended in XX/XX/XXXX. And stated that M & T Mortgage became our Mortgage Servicers at that time. To add, M & T mortgage and XXXX have been interchangeably, over the years, calling themselves ( in a back and forth way ) our servicers whenever it appeared to be convenient for one or the other. This is the answer my husband and I would get when asked who owns the loan. So we would like to know ( 1 ) Why M & T denies being the servicer/company of the loan when it states it on their mortgage statement in XX/XX/XXXX ( mortgage transfer statement ). ( 2 ) Who owns the loan that we have been and still currently paying, which has been M & T Mortgage for approximately the last ( 12 ) years. ( 3 ) And is it against banking laws for M & T to place financing information on their website for their mortgage holders, etc. and deny those mortgage holders options for financing loan ( s ) because a physical branch is not in your city or other nearby city. Note : I do have a letter stating that XXXX ended servicing our loan in XX/XX/XXXX. And M & T granting it. M & T Mortgage General Customer Service XXXX Attachments M & T and XXXX XXXX statement copies
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| 05/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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We fell behind on our mortgage because I had XXXX. I started the loan modificaiton process about a year ago. I submitted everything that was asked and was denied at first, then offered a repayment plan way beyond our budget, reapplied and was finally approved for about {$100.00} less than my original mortgage payment. I entered into the 90 day trial and made my first two payments on time. Right after I made the second trial payment with about 31 days left in my trial payment period I was called by my bank which is M & T Bank and advised that there was an issue with my title. They advised there were liens that needed to be cleared within the next 30 days in order for my trial period to be made permanent. We were unaware of these judgement 's but immediately reach out to clear. My single point of contact said that I was entitled to dispute them but given the short amount of time before my trial expired he did n't suggest it, he suggested I satisfy them. I was able to satisfy XXXX out of the XXXX immediately. However the attorneys for the debt collectors took almost 2 months to file the paper work with the courts and remove the judgements. The third judgement when I called I was played a recording by the debt collector stating that the judgement had expired and that if I spoke to them I would be assuming the debt and it would start over as if it was day 1. They also sent me a letter stating the same. I sent all of this information to M & T. I was advised by s supervisor names XXXX that due to the great documentation that I sent that she would stall the modification,, her exact words and that I should continue as I had been and keep making my payments which I did. I made my XXXX payment on time again and three days later they withdrew my trial modification and are attempting to put my house into foreclosure. I purchased my home in XX/XX/XXXX. I have only 5 years left on my mortgage and only approximately a XXXX balance on home that has been appraised at XXXX. I am no longer ill, both my husband and myself are working and we are trying to do EVERYTHING we can, everything we ask to keep our home that we have paid for for 25 years. I have been lied to by M & T, I have been railroaded and they are not willing to help me retain my home in anyway. I asked for them to add the balance to the end of the loan, refinance, a permanent modification, anything that will help and they absolutely refuse after I have done everything within my power to become back in good standing. Next week I will be going to the XXXX county court to try to get the XXXX EXPIRED judgement removed. That judgement is so old there is no attorney on file and I cant speak to the debt collector or else the debt becomes active again and its from XX/XX/XXXX. I do not even know that it is mine because I can not obtain proof of debt from the debt collector. I feel M & T is not helping me because of the large amount of equity in my home and that they are trying to sabotage me every way possible to take my home. Please help me and guide me in the direction I can take to try and get M & T to work with me and help me save my home.
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| 07/10/2023 |
Yes |
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- Trouble during payment process
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Web |
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Around XXXX of XXXX, M & T Bank failed to pay my homeowners insurance that has been escrowed since XXXX. This is not the first year this has happened. Subsequently, I was the last person to find out when I received a notice that my mortgage payment was going up hundreds of dollars due to an escrow shortage. If you login to the mortgage payment portal, finding exact details of your escrow account is very difficult in that it does not show a running balance with credits and debits. I contacted customer service for days and spent hours arguing with supposed customer service employees who insisted because I didn't provide homeowners insurance, lender imposed insurance was applied to the tune of three times the cost of my actual homeowners insurance, which had never lapsed and had been paid! After wasting hours of my life debating what should have been the obvious, with an accessible person at M & T bank becoming available with the authority to correct the errors and update my escrow balance accordingly, I was told my credit would be affected if I chose not to pay the highly increased mortgage payment while they went thru the process up updating my information and verifying that in fact they owed this refund and figured out all of their mistakes. This has continued going on for months now with one excuse after another and AT MY EXPENSE AND I AM TIRED OF BEING PUSHED ASIDE AND MY FINANCIAL BURDENS OR THOSE OF ANYONE BEING FORCED TO PAY MORE OR INCUR MARKS AGAINST MY PERFECT CREDIT, IS SURELY CRIMINAL BEHAVIOR? WHY SHOULD I CONTINUE TO PAY FOR THEIR ERRORS, THEIR LACK OF COMMUNICATION WITHIN THEIR OWN ESTABLISHMENT AND THEIR LACK OF CONCERN FOR THE BURDENS THEY ARE CAUSING MY FAMILY AND I? Why do I have to continue calling them and being transferred to endless departments and half of the time non English speaking individuals who do not grasp the severity of this problem and how federal regulations protect all of us as basic standards of lending practices to not allow these types of scenarios to happen and then also continue to be the burden of the customer who has done nothing wrong?! They have still not updated my escrow account balance! They will do the same thing again and again increase my payment of not fault of my own even after I have went so far as to host conference calls between my insurance agent and their insurance department and it is all part of record, yet the numbers are never corrected and my question remains, what if they do this to 100 people? to 1000 people? where is our money and who is benefitting from having it in the wrong accounts for months on end accidentally???? XXXX! I want this entire bank investigated. It appears that they assume a small town Kentucky woman would not stand up to them or question these practices, but they were sadly mistaken! Please address this asap! I can not continue to pay inflated mortgage payments based on a false escrow shortage and the refunds that WERE issued only because of all of my work are still not reflected in my escrow balance as of today and the refunds happened finally in XXXX, XXXX!
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| 01/19/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I am a XXXX XXXX veteran and underwent major service connected XXXX XXXX in Spring XX/XX/XXXX. During this time my mortgage company, M & T Bank, were persistently attempting to convince me to refinance my mortgage. Against my better judgment I did so with the one goal of decreasing the monthly financial burden for my family while I was laid up from my XXXX XXXX. However, during the refinance process my mortgage lender failed miserably to accurately prorate my escrow payments needed for the upcoming year. Even though my mortgage company was aware of these mistakes in the months after, they did not inform me, nor reflect on statements until almost 8 months after the refinance was completed. At this time when they finally notified me, they had allowed my escrow to go several thousands dollars in the negative. Also this entire time no balance or account issues were being recorded as to what was happening on monthly and daily statements. All of these events led to my mortgage company giving me three weeks to come up with around {$500.00} a month extra in order to remain in my house with my family. I immediately contacted them and try to find out what happened. Once it was finally in the open of their massive failure in customer service, they refused whole-heartedly to even attempt in making this situation partially manageable for my family and myself. Instead my mortgage company offered zero assistance and instead only worsen the situation by being extremely rude and unprofessional while telling me that my family must Figure something out or else we wont have a house to live in anymore. A brief history, I purchased the house as a VA home loan in XX/XX/XXXX and have lived here since. I have always been able to pay my bills and not once ever put my family into a position where I could not afford the basics. In fact the only times in which I could not afford the monthly expenses was during this situation. This situation has produced and evolved solely from my mortgage companys disgusting sense of customer service and shallow pit of selfishness and greed. All while doing so without disregard of my wife and children. I have always been able to afford my house and there shouldnt be a reason that I cant now. However with my mortgage company putting me in this position financially, then finally over a year later, informing me they are DENYING any assistance for me my family and a chance of staying at our house. I was too sick to continue the phone call and requested them call me in a couple days. I simply do not know what else to do as everyone I have reached out to since XX/XX/XXXX when this began all I have been told is that theres nothing I can do. All I know is I fought a war for my country and in many cases I continue to fight that same war on a daily basis. I dont know how to feel when I am told they can not be held accountable. I have a hard time distinguishing between terrorists and my mortgage company seeing how they were allowed to XXXX and pillage my home and family while all I could do was stand here. I have never felt so helpless and weak.
|
| 11/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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M & T Bank has destroyed my credit by misreporting payments, losing my money, and failing to do this time and time again.
In XX/XX/XXXX I suspected something was wrong with my account. I use my M & T checking only for loan payments. Each month I deposit the amount needed for those loans and extra to cover any additional. However, for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my account was negative. I contacted M & T branch several times speaking to XXXX XXXX XXXX XXXX, and XXXX XXXX They were rude and dismissive. They told me to read my online statement and that my account was current and nothing was overdue or missing. They asked me if I was able to read, and if so why wasn't I reading my statements. It was rude and demeaning. However, I insisted that there is no reason for my account to be negative when I making monthly payments on time. When XXXX came I was billed {$1200.00} for a {$600.00} loan installment. I again went to the branch who did nothing and turned me away saying my account is current. I contacted the office of the president due to this, who FINALLY did the diligent research I had requested for 90 days and discovered the branch had misplaced my XX/XX/XXXX payment made in cash, marking it as a miscellaneous payment and not applying it to my loan. This caused my account to be negative, XXXX XXXX and XXXX and a XXXX payment to be collected twice. I was denied a loan by XXXX bank despite being preapproved as a perfect candidate and they provided me a report of this. M & T denied they reported the missing XX/XX/XXXX payment when they lost it and said it would not affect my credit. This was a direct lie. I forwarded them the report from XXXX XXXX and they then immediately backtracked and double down on those lies.
In the midst of this, I spoke to XXXX XXXX XXXX, and XXXX about deferring my payments until this was resolved. They owed me the payment they lost of {$600.00} from XXXX, the double payment collected in XXXX {$1200.00}, and all fees and interest associated with this. They assured me via phone conversation Thursday XX/XX/XXXX the deferment was being processed so my XXXX payment would not be late. I signed the deferment for both loans XX/XX/XXXX. This was also confirmed by XXXX XXXX on XX/XX/XXXX that both loans were deferred.
I received a call on Monday XX/XX/XXXX from XXXX XXXX at M & T stating she was processing my deferment. I was very confused. I assured her this was done XX/XX/XXXX not sure why she was calling me nearly a month after the branch assured me this was done. She said it had not been processed. This means following my XX/XX/XXXX conversation with XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX they had did nothing for two months allowing both my XXXX and XX/XX/XXXX payments to be late AGAIN. Another mark to my credit.
This occurred in XX/XX/XXXX as well. I am fed up with this inappropriate, fraudulent bank that has ruined the perfect credit of a brand new women owned, XXXX owned business. I will inform my community leaders and file a lawsuit if this is not handled immediately.
|
| 07/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
|
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To whom it may concern I am contacting your organization to file a complaint against The M & T mortgage Bank. Since I have become unemployed, I have been struggling to keep up with my mortgage payments and have fallen behind on more than XXXX occasion but have been able to catch up. In XXXX of 2014, I had applied for the Keep Your Home California ( KYHC ) program for mortgage assistance and was approved for a {$14000.00} pay down in my principle, which was paid to M & T on XXXX XXXX, 2014. On XX/XX/XXXX after falling behind ( again ), I contacted M & T to make the XXXX payments due which should have put us up to date, when I was informed by XXXX XXXX XXXX that I was actually 4 months behind. Not knowing how this could have happened and upon further research by XXXX XXXX I was told that KYHC had contacted the bank " requesting '' that the money be returned. Upon hearing this, I contacted KYHC, to confirm this, but was told by that KYHC representative that they would never request the money be returned, and that once it was paid out they would not accept it back. With this information, I contacted XXXX, the woman supposedly in charge of our account ( XXXX XXXX ) after XXXX minutes of the conversation I was finally told that KYHC had not requested the money be returned, but that the bank had contacted the state of California, and arranged with a XXXX XXXX XXXX in XXXX to have the money refunded. All of this to take place without my knowledge or consent and on the XXXX of XXXX the amount of {$14000.00} was removed from my account and supposedly returned to California, although KYHC has no record of this Trans action-taking place. The banks actions had caused my account to go 4 months overdue. I was told that the Bank had sent me a contract that I need to sign ad return three times ( twice by XXXX and once by certified mail ) none of which I ever received. It became obvious to me that this was a blatant attempt on M & T bank to " force '' me into foreclosure. I had previously attempted to work with M & T bank to have my fixed interest rate ( which has been raised XXXX times to 6.875 % ) reduced sending them the required forms XXXX, only to be told that they required more documentation, and then to be bombarded with forms. I was finally offered a loan modification ( twice ) which consisted of lowering my principle and extending the life of the loan for three years which I declined, in writing and sent to a XXXX XXXX XXXX, although the bank said they never received it. It seems to me that M & T Bank has tried everything but what I would like them to do which is cut the interest rate. Now seeing as how I already have a signed contract, I have no intention of agreeing to or signing anything else, unless it has to do with lowering the interest rate I am currently being charged. I would also like the {$14000.00} located, and returned to my account, which will bring me current on my mortgage. Any assistance you can provide would be greatly appreciated. If any additional information is required, please feel free to contact me.
Thank you
|
| 03/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
Older American |
|
Good morning, A law firm was hired for {$5000.00} to handle a foreclosure matter from Hudson City Savings Bank against XXXX. Hudson City looked to do a modification, every requirement they asked for I submitted to them. Every appearance for court the law firm and myself showed up. ( Their theory for denying the loan modification was that they were too small of a bank which was indicated to me ). As the case move forward the law firm asked for another {$1500.00} and I submitted it to them. At a point, when I was n't hearing from the law firm, I emailed them to see what was going on with the case with no response back. I went to another law firm to see about them handling this matter. Numerous time reaching out to the original law firm for my files, they said the file was too big to make copies of and release. So, I could not get another law firm to review the case, because I could not get the files out.
As time went on, I received solicitation mail ( not from the bank 's law firm or court ) saying that a judgment was entered on the house. The court has down that I am listed as pro se. So, I have never received any paperwork from the original law firm that was on the case. Also, I never received any paperwork notifying me of any court dates or that I needed to engage another lawyer. After finding out about the judgment, I received mail from M & T Bank ( who bought out Hudson ) in XX/XX/XXXX about applying for a loan modification. I submitted all papers to them numerous times. I was tracking the case as best as I could on ecourts, the last date showing up on file is XX/XX/XXXX. The case says inactive pending future filing. I immediately went down to the court to find out what was going on and it was told to me that the referee who was on the case had a conflict of interest with the bank. Then in a letter dated XX/XX/XXXX M & T suggested about applying for a modification again. I then submitted all requited documents. In a letter dated XX/XX/XXXX M & T said they received the package. Next a letter dated XX/XX/XXXX from M & T was sent requesting more documents, which were all submitted to them. Then, on XX/XX/XXXX I received solicitation mail that there was sale date for XX/XX/XXXX. On XX/XX/XXXX I received a letter from the law firm that represents M & T/Hudson that there was a sale date. Prior to this, I have never received any mail from the courts or this law firm. Right down, from the original summons and complaint was supposedly served to a business of my brother 's in XXXX/XXXX. The only mail coming in from the bank was monthly bank statements that included Hudson and including every month from that point on from M & T and loan modification correspondence.
I believe this falls under dual tracking, as the bank and I were working on a loan modification and I even just signed a new three year lease with a tenant to have additional income coming in to make sure there is enough money for modification requirements, and NOW THERE IS A SALE DATE ON MY HOME. Can you please advise with this matter as soon as possible? Thank you.
|
| 03/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I have successfully managed my credit with no major reports or late payments, ever, for the 10 years I have had credit. I purchased a new car in XX/XX/XXXX and my new loan provider was M & T. I am aware that my monthly payment of {$380.00} is due by the XXXX of each month. Since XX/XX/XXXX, I have made payments consistently and on time, the full amount owed, if not more with no issues. On XX/XX/XXXX and XX/XX/XXXX, I had logged into my M & T account where I make my payments and it auto-populates your amount due and has a calendar that you can make a change to the date if needed. My amount when I logged in to make my payment on XX/XX/XXXX and XX/XX/XXXX was {$300.00}. I was making an assumption, which I should have picked up the phone to call, that because I had been making extra payments that it had lowered for that time period. I received a letter to my home towards the end of XXXX telling me that my account was behind {$75.00}. I was confused and immediately called M & T to find out why I was behind. The gentleman had informed me that my XXXX payment of {$370.00} wasn't paid in full. I explained to him that when I was online, it had auto-populated to {$300.00} and that is why I paid that amount. He told me that I should never go by what is auto populated and always make my standard payment of {$370.00} to avoid any issues. After speaking with him, I immediately made the payment of {$75.00} on XX/XX/XXXX. In XXXX and XXXX, the payments I made were {$420.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. I again received a letter that I was behind {$270.00} right before the holidays. I again called and was told that because of making those two {$300.00} dollar payments, that is why I received this notice. I was upset because when I received the first notice in XXXX I was behind {$75.00}, that was not shared to me and I thought by immediately paying it, I took care of the situation. The lady apologized and said this was what she was seeing so without any more arguments I made the payment of {$220.00} on XX/XX/XXXX. I check my credit regularly and it was then that I saw my credit significantly drop and after investigation, I found that M & T had reported my credit for being 30 days late in XXXX and XXXX, but that is not matching up with any of the information I had been given from M & T. I first attempted to reach out to M & T 's credit department to assist me in the removal of the derogatory mark of a missed payment. It took them all of one day to investigate and called me back saying unless I had proof that the auto-populated amount said {$300.00}, they couldn't help me. I requested that they listen back to my calls to their representatives and they would have heard back in XXXX when I inquired why I was getting a late notice of {$75.00} that I was saying the same thing. They told me they can not do that nor can they help me. Again, I know my error was in the assumption and I should have called when I saw it say {$300.00}, but I can not go back and screen shot a screen to show proof for the truth in which I am telling.
|
| 11/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
Older American |
|
I applied for a refi loan online @ M & T bank on XXXX XXXX, XXXX.
XXXX XXXX, XXXX, received email to review Application package stating, these documents contain important information related to my loan and should be reviewed promptly and carefully for accuracy.
All requested documents, XXXX XXXX XXXX, XXXX & 2 year tax returns were sent to XXXX.
XXXX XXXX aprox. date. Phone call from XXXX XXXX requesting recent paystubs.
XXXX XXXX, XXXX Received phone call from XXXX requesting recent paystubs. XXXX sent to her.
XXXX XXXX, XXXX XXXX sent to XXXX XXXX.
XXXX XXXX email from XXXX XXXX : Good news, loan application package has been sent to our processing team.
XXXX, XXXX, Request from XXXX XXXX for XXXX, Pension, XXXX XXXX 2 year Tax returns. I stated that those items were sent in XXXX.
XXXX XXXX, XXXX Second time resending requested documents. Requested confirmation of received documents.
Confirmation of received documents from XXXX XXXX.
XXXX XXXX, XXXX, letter on Bank loan portal from XXXX XXXX : Your mortgage interest rate lock expires on : XX/XX/2023.
XXXX XXXX, Letter on Bank loan portal from XXXX XXXX, XXXX XXXX : Dear Borrower ...... etc. Attached please find copy of property valuation ( XXXX ) obtained by M & T Bank.
XXXX XXXX, XXXX Email to XXXX XXXX stating I have not heard anything on progression of loan.
XXXX XXXX replied I will reach out to the processors.
Reply from XXXX XXXX : The loan was withdrawn on XXXX XXXX, XXXX, etc.
XXXX XXXX, XXXX Email to XXXX XXXX & XXXX, Chain and timeline of events.
XXXX XXXX, XXXX XXXX received phone call from XXXX XXXX of M & T bank. XXXX XXXX stated that my loan was not approved because of the XXXX rear bedrooms had bare floors where carpet had been removed. I explained that I was going to install wood flooring. He then stated that I would have to have the flooring installed and then pay for the XXXX to return. I then said to him that I had no problem doing the flooring but I was not going to come out of my pocket with any other funds due to someone's negligence. He then stated that he ( I'm guessing he meant M & T bank ) would pay for half of the appraisal.
XXXX XXXX email from XXXX XXXX, Your loan is moving right along, etc.
XXXX XXXX, XXXX email from XXXX XXXX, Congratulations, your loan is approved, etc.
XXXX XXXX, XXXX, Bank loan portal : Welcome back XXXX, Your loan XXXX.
XXXX XXXX, XXXX XXXX on Bank loan portal : Dear XXXX, XXXX is attached.
XXXX XXXX, XXXX Bank Loan portal : Changes have been made to the Supplemental Terms and Conditions Sheet of your commitment letter, which is attached.
Only XXXX item is checked with a red X.
XXXX XXXX, XXXX, email from XXXX ( attached ) XXXX XXXX, XXXX, XXXX on portal ; Supplemental Terms and Conditions with XXXX ( XXXX ) items checked with red X of required documents.
XXXX XXXX I answered with documentation or responses to all XXXX ( XXXX ) checked items. Sent documents to : XXXX, XXXX, XXXX, XXXX, and XXXX.
XXXX XXXX, XXXX, XXXX XXXX XXXX : Interest rate lock expiration date is XXXX XXXX, XXXX.
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| 07/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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On XX/XX/2019 XXXX XXXX notified me by email ( see attachments ) that my loan was being sold ( transferred ) to M & T Bank as of XX/XX/2019. I did not ask for this to happen, neither did I want to do business with M & T Bank, although I realized the sale was legal.
The email notice said that I " would not have to change any of the terms '' of my payments and simply continue as I had been doing, the only change being payments made to M & T Bank rather than XXXX. On Friday, XX/XX/2019, I received a 2nd email notice from M & T Bank basically stating the exact same thing.
For the last 5 or more years, I had been making my XXXX XXXX payments through my XXXX XXXX Bill Payment System ( see attachments ). Payments were being made at least twice a month or every two ( 2 ) weeks consistently. I have NEVER made payments late in over 10 years with any mortgage payment and usually make the 2nd payment in a month ( prior month to due date ) at least 1 to 3 days early. My wife and I earn over {$180000.00} per year and do not have any issues making any debt payment!
At the time the transfer became effective, I had already paid XXXX XXXX for the month of XXXX as I always due before the end of the previous month. M & T Bank sent me a bill not giving me credit for XX/XX/2019 payments that had already been made to XXXX XXXX prior to the transfer. Secondly, since I thought this was an error, I waited for a corrected statement. Instead, I received a pass due notice when my XXXX payment was not even due!
I called M & T Bank on last Friday, XX/XX/2019 and explained everything above to the representative. Instead of assisting me with the issue, she kept giving me the run around and telling me that I had " to change the way I was paying by logging on and signing up for their every-two-week payment bank draft ''. This was a direct contradiction to what I had been guaranteed in writing that I would NOT have to change the way I had been paying my mortgage properly for years. Secondly, she did nothing to bring my mortgage account current as it should be.
Lastly, I just received by mail another pass due notice stating that I owe {$2900.00}, when in fact, I OWE ABSOLUTELY NOTHING!!! The M & T Bank bill also included some {$920.00} " Hazard Disbursement '' amount, which has never appeared on any previous mortgage bill, and they never explained it to me.
My payments are current, and documentation is attached to prove it! If I were not late with XXXX XXXX, how could I now be late with M & T Bank when I have continued to make all payments twice a month or even every two weeks right through their transfer of mortgage process, for which again, I did not ask nor desire?
This is absolutely ridiculous, and I expect the federal government to take the strongest possible action against this bank. They did not even listen to me or even try to correct the situation. I have been a perfect customer, I always pay all bills on time ( my credit score proves that ), and I will not tolerate this harassment in the lease.
Sincerely, XXXX XXXX XXXX XXXX
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| 04/21/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
Older American |
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A charge of {$170.00} to XXXX XXXX on XXXX XXXX, XXXX appeared on my XXXX XXXX, XXXX thru XXXX XXXX, XXXX statement. I contacted the bank upon receipt XXXX XXXX, XXXX. I spoke to XXXX and she told me she would open a case file ( case # XXXX ) She said she would send me forms to fill out and mail back. In the meantime I contacted XXXX and was told that they could not provide me with any information regarding the account the money was posted to. They did verify that it was not credited to my account. I called the bank again XXXX XXXX, XXXX and was told that paperwork was mailed to me the previous week. I did not receive anything from them until I received a letter on Saturday, XXXX XXXX, XXXX that was dated XXXX XXXX, XXXX. This letter stated that there was nothing in my account to indicate that the transaction was unauthorized and that if I disputed this I should fill out the Written statement of unauthorized debit '' form and mail it back to them. I filled out this form, signed it on XXXX XXXX and mailed it back in the envelope provided. I never received a response from this and upon receiving my next statement I called them on XXXX XXXX to inquire about what happened. The person I spoke to that said she would research it and I could call back later that day to find out what happened. A few days later I received a message on my voicemail from the XXXX M & T bank about something else. At the time I thought she was calling me about my claim. She only wanted to know if I wanted to open other accounts ( the nerve of them after treating me so badly ). When I realized that it was not about my claim I contacted the bank again on XXXX XXXX, XXXX and was told that a letter had been sent to me dated XXXX XXXX. As of XXXX XXXX I had not received that letter. At that time I was told that I needed to write a letter to the dispute department to reopen the investigation. The next day I went to the XXXX XXXX and asked them to pull up my account. They pulled up a letter dated XXXX XXXX that I never received. This letter said that they had done a thorough review of my account and nothing in the record indicated that the transaction was unauthorized or processed improperly. At that time I asked to bank rep. to fax my request to reopen fraud investigation. I don ; : t think that the bank has been honest with me regarding this investigation from day one. Every time I called them they told me that they had sent me something and I never received it. They have my correct address so I don ; : t know why I never got letters they said were sent to me. This is a XXXX account and I never pay my bills from this account. I only use this account to purchase special items for myself and my grand children. I have spoken to friends and family about this situation. They told me that when this happened to them they were told to close out the account. M & T never told me that I should close out the account to avoid additional fraud. {$170.00} may not be a lot of money to some people but when you are retired and on a fixed income it is a lot of money.
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| 09/04/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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On saturday XXXX XXXX 2015 I had made a cash and check deposit at an M & T Bank branch location at XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX. The cash deposit was for {$960.00} and XXXX checks. XXXX check for {$150.00} and the other for around {$37.00}. I ca n't recall the exact dollar amount because I do n't have copies of the checks. As the deposit was being processed, the atm shut down and ate the deposit. No receipt was provided. I immediately called the M & T customer number for the bank to report the issue as the branch was closed. I was advised that when the branch opened on Monday morning they would balance the atm and my deposit would be completed. The representative said there was no way for them to make a service call to ( XXXX ) whom services the atm 's if there is an issue. The representative assured me that it would be corrected upon the balance of the atm and there would be no need to worry. She stated that there would be no discrepency. I was advised that a provisional credit would be issued to my account within a few business days. At the end of the call the representative said that they would have a technician service the atm but the would not be able to get out there for a few hours. That contradicted her previous statement. Never the less, I was upset over the situation and in a panic as well. A few days past and I received a provisional credit to my account for {$1000.00} and {$98.00} for the XXXX checks which did not add up to my initial deposit. There may have been a discrepency with the cash amount listed in the dispute due to the fact that I had counted the cash hours beforehand then spent {$40.00} of the {$1000.00} prior to the deposit. I had advised the representative at M & T when making the dispute of this. She advised me that they would issue the credit for the {$1000.00} and if there was an adjustment it would be done the following monday when the teller at the bank balanced the atm. On XXXX XXXX, 2015 I had recieved XXXX letters from M & T. XXXX stating that the {$98.00} provisional credit was determined to be accurate and they closed the dispute. The other letter stated that after a review of my account through investigation, they determined that no error had occurred and the transaction in question was processed corectly. They stated that they would be debiting my account for the {$1000.00} on XXXX XXXX, 2015.
I have been a long standing customer of M & T and am beyond concerned as to their banking practice and consumer protection capabilities. My assumption is that either a teller at the branch pocketed the money or someone that may have serviced the atm obsconded it. I have advised M & T to pull video footage of myself attempting to make the deposit as well as the teller whom balanced the atm. This is beyond upsetting and frustrating. It will be a financial devistation to me should they debit {$1000.00} out of my account. I am also considering filing a police report and going to the news. Should the bank not rectify this I will seek an attorney to file a civil suit.
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| 07/26/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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In late XXXX, I fell behind on my mortgage payments with M & T Bank due to being overextended.
When I was able to resume payments, they would not take my payments because my account was in pre-foreclosure status and I had to submit documents to be considered for a loan modification.
After months of faxing and e-mailing, I was told that I would have to start the process all over again because too much time had passed and they would still not accept any payments.
I began the process again, and I this time I had to pre-pay for insurance on the home. I did this and after months of faxing and e-mailing again, I was approved to do a 3 month trial payment period, after which it was my understanding, that the loan modification would be in affect.
I made XXXX trial payments for {$500.00} in XXXX, XXXX and XXXX of XXXX. After I made these payments I was told that there were liens on the home. I responded by telling the bank representatives that the liens were not mine. In fact, the names on the sheet they sent me were for a male family member with no connection to the home whatsoever. I am female. The bank has my Social Security number and this was obviously not my debt. I was using different mailing addresses from the property as not to have others in the home receiving my correspondence.
I was under the impression that I would have time to work in the title issue since I had been in communication with the bank. As I was working XXXX jobs it took me some time to get the form for the title issues and figure out what the bank was asking me to do. When I called to find out about sending the letter in disputing the liens, I was told that I would once again have to begin the process of a loan modification.
This process of faxing and e-mailing is extremely tiresome and time consuming. Especially, for a working person. I started it again and this time, I had even more income since someone living with me was giving money toward expenses. I thought this would help in the process. Unfortunately, it did not, because I did not have documentation of the additional income. I asked if the file could be reviewed without consideration of the additional income, since I still had the same amount of income as I did before when I was approved without it. I was told that it was a possibility.
This was all happening very close to the sale date, so I requested that it be postponed, but I was denied. I asked about my file and I was told that the underwriter was waiting for documentation of the additional income. I explained that I was told my file could be reviewed without the income being considered.
This never happened. My file was not reviewed and the bank put my home on the auction. The buyer ... M & T bank. The bank is now the owner of my home. I was never given the opportunity to make payments on the home during the process and it was a long process because I had to keep re-starting which makes it look like I was just not paying for this number of months when M & T Bank was actually refusing to accept my payments.
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| 10/25/2021 |
Yes |
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- Trouble during payment process
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Web |
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I do my mortgage payments through my personal checking account through XXXX XXXX XXXX bill payment. I have recurring payments set up with XXXX XXXX XXXX and somehow 2 payments were sent to M & T Bank ( mortgage service company ) on XX/XX/XXXX one for {$990.00} and 2nd for {$990.00} I immediately called both XXXX XXXX XXXX and M & T since the duplicate payment had overdrawn my account for over {$700.00}, XXXX XXXX XXXX said they could not recall the payment even if it was done electronically, they stated I needed to call M & T Bank and ask them to return one of the payments, I also told the XXXX XXXX XXXX teller I did not set up 2 payments as it was a recurring payment the only thing I did was to edit the recurring payment to the correct amount of XXXX agent asked and said the app should have given an error message stating that there were two payments scheduled for same merchant on the same date, I told him that the app did not give any error or anything else. I did not added an additional payment, XXXX XXXX XXXX agent still said I needed to call the mortgage servicing bank and have them return the funds.
I then called M & T Bank on Friday XX/XX/XXXX and agent said they did not see the payment applied to the account and asked to call back Monday XX/XX/XXXX and I call that date, agent stated she could see the double payment but in order for them to return the funds within 24 to 48 hrs they needed to see proof that both payments came out of my account, agent proceeded to give me an email address, I sent the email to XXXX with attention to Mortgage customer support as directed by the agent I spoke to over the phone and included the screen shot. Agent reassured me once the email is received the funds will be electronically returned to my XXXX XXXX XXXX account within 24 to 48 hours. I waited till Thursday XX/XX/XXXX and still the funds had not posted to my XXXX XXXX XXXX account. I called back M & T Bank and spoke to a representative agent then stated that it will take 10 business days for payment to be returned to my XXXX XXXX XXXX account. I told agent that I was told on Monday XXXX that as soon as I send the proof of payments debited from my account. I told agent that was unacceptable and this mistake from XXXX XXXX XXXX had put me in a lot of trouble and M & T not returning the funds as they had reassured. Call got disconnected. I called again today Monday XX/XX/XXXX and once again told the agent XXXX, I still had not received the funds on my account and agent said that the payment is being processed but it will take another 10 business days and then it would be sent via mail in the form of a check. This is unacceptable is taking them over 20 days for them to return the funds, neither XXXX XXXX XXXX is not taking responsibility and M & T is just simply holding on to the funds and putting me in a more difficult financial strain. I have complied with all they have requested, my account has never been delinquent, this is just a horrible service from both XXXX XXXX XXXX and M & T Bank.
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| 04/12/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I took out an auto loan from M & T Bank in XX/XX/XXXX. I have historically paid my payments at the local branch or online through their web portal. I have consistently paid my account and it was current as of XX/XX/XXXX. In XX/XX/XXXX my primary bank changed hands and the routing and tracking numbers and account numbers for accounts all changed. It has caused much confusion. Thus in late XX/XX/XXXX/XX/XX/XXXX when I learned that M & T had not received my payments placed through their online system I sought to rectify it and immediately made payments online, confirming the new tracking and account numbers. Then I heard nothing. In late XX/XX/XXXX into XX/XX/XXXX I attempted to go online several times to make regular payments and when I attempted to log into my account a message appeared that the M & T website was down. I even called to get further information when I was simply told, " Many customers have been having problems, try again later. '' The problem continued. In early XX/XX/XXXX I was finally contacted by an M & T representative by phone. When I was told that there continued to be issues with submitting payments online I offered to bring a payment to the bank to satisfy all payments that were not received and get the loan back on track. At that time I was told by the M & T Representative that was no longer an option, I needed to pay the loan off in full immediately or my car was to be repossessed! The representative acknowledged that they could see that I was trying to make payments and that each payment submitted receieved a message stating " Success! Your payment has been made! '' However he was completely unwilling to assist me in getting this loan back on track. He stated that even though he could see the banking errors involved, that he would not reinstate the loan upon restitution. I then tried speaking to his supervisor without any support, he simply stood behind the decision to use the nuclear option with me even though they could see I had been online trying to make payments. I then took my issue to the PA Department of Banking and Securities. I just wanted to make the situation right. The PA Banking Department went back and forth with representatives for several weeks, being told, " I 'll get back to you tomorrow ... .I 'll look into things and see what we can do ... I will have an answer back to you by XX/XX/XXXX ... '' It is now XX/XX/XXXX and still no answer. I received a form letter from M & T dated XX/XX/XXXX ( it should not have taken 8 days to get here when mail from PA to NY is typically 1-2 days in transit ) stating that I have 10 days ( from XX/XX/XXXX? ) to give M & T the full balance of the loan. I have also tried to harness the assistance of the PA Attorney General 's Office. I received a letter from them dated XX/XX/XXXX stating that M & T has 21 days to reply to them. As of yet, there is still no response. My contact at M & T is a XXXX, my contact at PA Banking & Securities is XXXX and my contact at the PA Attorney General 's Office is XXXX. PLEASE HELP!!
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| 08/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My brother passed away on XXXX XXXX, 2015. I was chosen by him to be the personal representative for the estate and XXXX of the beneficiaries. I had no authority or access to his funds until the probate went through county court. I called several of the companies that my brother did business with and informed them of the situation including M & T Mortgage. M & T Mortgage told me they could not speak to me until I had provided official documents from county court that I was the personal representative. I faxed them a death certificate and asked them to notate on the account that my brother had died. I gave them my cell phone number for any necessary communication about the estate. In late XXXX, I was officially appointed by the court to be the personal representative. I promptly faxed M & T Mortgage the document and waited the required 48 hours for them to process the fax. After contacting them, they claimed they did n't have any records of my fax, so I faxed it again. After waiting another 48 hours, I spoke to a representative. They agreed to waive the late charges under the circumstances and accepted my payment to get the account up to date. I had done everything possible to handle my brother 's obligations. This payment was made before 90 days after the account was delinquent. According to M & T Bank, there would be no foreclosure proceedings before 90 days after the first payment was delinquent. The next payment would be due XXXX XXXX. In the process of going through the house and getting it ready to put on the market, I noticed the lawn had been mowed, the water was shut off, some items were missing from the house, and the door had been re-keyed with some paddle locks on other doors. We corrected this problem and figured a vagrant had attempted to live there. We informed the neighbors and were all prepared to call the police if there were any more intrusions. We proceeded to sell the house. It closed on XXXX XXXX. When we received the payoff quote from M & T Bank it had late fees and XXXX extra charges with no explanation. XXXX charge was for over XXXX dollars. My realtor and the title company were baffled. I called M & T for an explanation and they claimed that I was n't authorized to act on the account. The title company faxed them my documents ( this was now the third time! ) They now claimed that they could n't speak to me for 72 hours. I was faced with a buyer who was in a hurry to close, and a realtor and title company that would be faced with a bunch more work to reschedule the closing. I felt there was no other choice, but to authorize the payment and confront M & T Bank after the fact. Based on the horribly disorganized and possibly shady activities of this bank and the fact that after all this time, I am still not able to talk to them, I am asking for help. It was bad enough that we lost a dear loved one, but now we have to deal with this. I acted promptly and honorably in every situation with his estate. This company appears to want to take advantage of our loss.
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| 01/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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To Whom it may concern, My personal bank withdrew a payment from my checking account according to the date the payment was to post to the biller, with sufficient funds to process the payment requested. My bank, XXXX, uses XXXX to process payments, and according to XXXX XXXX did not produce the check timely to the biller, M & T Bank, the payment was requested to be sent to.
For example, the payment was withdrawn from my XXXX checking account XX/XX/XXXX, the payment due date to M & T bank was XX/XX/XXXX. XX/XX/XXXX I was notified by M & T bank the payment had not been received. I was in contact with XXXX, who could not explain the reason XXXX did not process the check to date.
XXXX refunded my XX/XX/XXXX withdrawal on XX/XX/XXXX, as well as refunded the late fee M & T bank assessed to my account. On XX/XX/XXXX, after receiving the refund from XXXX, I submitted the payment to M & T bank for the XX/XX/XXXX late payment as well as the late fee incurred. To avoid any delay in payment, payments were processed to M & T bank, on XX/XX/XXXX, using their online portal.
I received a letter of Good Faith from XXXX, XXXX to submit to M & T Bank , the biller. After the letter was submitted by myself, and XXXX, to M & T bank requesting acceptance of the Good Faith letter to lift the credit reporting delinquency , M & T bank would not accept/process the Good Faith letter to where XXXX indicates they were to deliver the payment to M & T bank by XX/XX/XXXX. After numerous calls to M & T bank, the delinquency remains on my credit report. Please note the Good Faith letter from XXXX XXXX notes my M & T bank account number under my name.
A request was made to where I asked assistance from XXXX months later, asking they further reach out to M & T bank, identifying the error of payment was on their part, with no avail.
Due to the lack of cooperation from both banks, this reduced my credit score to the point I was unable to co-sign for a student loan for my child 's second year of college in the fall of XXXX, which was not an issue the year prior due to a good credit score. XXXX was advised of this adverse event caused by their delinquency of processing my payment timely, to where no further assistance was provided on behalf of XXXX to clear this matter.
I am providing bank records, showing adequate funds were available at the time of the request to process the payment from my XXXX checking account according to the date requested to pay M & T bank on XX/XX/XXXX. In addition to providing those documents, it's noted in my bank records where XXXX refunded the requested payment from XX/XX/XXXX ( for the M & T Bank payment ) as well as refunding the late fee M & T bank charged to my account. Documents included in the submission will also show a snapshot of my XXXX report showing an excellent payment history ( no delinquency ) with this lender, M & T bank, as well as M & T statements reflecting those payment corrections within a timely manner after the issue was identified for that time frame.
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| 01/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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All of this started when I enrolled in college so that I can have a career that involves me helping others, especially children. I was not working during school and got divorced while in school. Financially dependent on my ex-husband, I was unable to pay my own bills for years and was constantly falling behind. I graduated in XXXX, yet it took a year for someone to hire me. I became a XXXX at XXXX XXXX XXXX in XX/XX/XXXX, and I made the decision to get my financial freedom back. I was aware that it would take time, and I was working slowly but surely to get there. Then, in XXXX, my car broke down.
My car broke down on my way to work in a different county from where I live, and one of my bosses came and picked up my son and I from the side of the road. My motor had locked up because I had an oil leak. To get a reliable car, I had to give {$2000.00} as a down payment, which was the cause of me not paying my mortgage at that time. I had to decide to either pay my mortgage and lose my new XXXX job due to no transportation, which would cause me to still lose my house or purchase a more reliable car and pay mt mortgage with my next paycheck. Therefore, I attempted to resolve my past due account by increasing payment amounts ( and making additional payments as well ). However, when I made a payment of {$1000.00} on XX/XX/XXXX and an additional payment of {$250.00} on XX/XX/XXXX, my payments were refused by the mortgage company, and I received letters weeks later from XXXX XXXX informing me to come pick up the payments I had made. At that time, I had not received any letters from M & T stating that my home was in foreclosure, and I was told about the foreclosure by the representative when I called the company to inquire about why my payments were refused.The letter from the mortgage company reached me after all of this took place. At that time, I was behind no more than {$3000.00} and could have caught up my mortgage had the company not refused payments. My purchase price was {$90000.00}, and I owe less than {$60000.00} on my home, which is worth way more than {$60000.00}, and it would benefit the mortgage company more to foreclose and resell than allow me to catch up payments on a home I have lived in and maintained since XXXX.
The company sent an application for me to fill out for a workout plan, which put a hold on the foreclosure until a decision could be made, but they turned me down, and I received that letter on the XXXX although the date of the letter is the XXXX. I was given until the XXXX to file an appeal, which I did and mailed it out today through priority mail. I really do not understand why the mortgage company is unwilling to work with me when they know my history because I have had to explain it in requested letters, and I have sent in every document they have asked me to send in and showed every ounce of desire to do what it takes to keep my home. I have been here 15 years. My children grew up here, and honestly, I would like to remain here until my death.
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| 11/04/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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A couple of months ago we applied for a refinance through a loan company. Everything went through as expected until we were told they saw we had a HELOC attached to our home. We were confused as we were not aware we had a HELOC attached to our personal home. We do, in fact, have a HELOC but it was taken out years ago from a bank that was purchased by M & T. That HELOC was taken out against our corporation at the time, XXXX XXXX XXXX XXXX That HELOC was to have been attached to a corporation at the time. Unbeknownst to us, M & T attached that HELOC to our home and never notified us. No documentation was ever received stating they did so. Therefore, the loan company needed documentation from us stating the HELOC was paid in a timely basis and we provided that to them. However, when the loan company contacted M & T for signed authorization from them stating they are ok with staying in second lien position, M & T could not verify or confirm that we have a HELOC with them. They told the loan company we do not exist in their system and can not provide any information on our HELOC. Therefore, the loan company withdrew our loan and told us to try and figure out what is going on with M & T before reapplying.
We then visited the branch near us and spoke to the Assistant Vice President. He tried to help, but could not get the HELOC department to work with him as they had no information. We then called the HELOC department numerous times to verify our information only to be told the following : you do not have a loan with us ; your loan was sold and we do not know who has it ; you have no record in our system ; we do not know who you are in our system ; we do not have any record of you paying monthly as you are not in our system. It appears we have been receiving statements for approximately 13 years from M & T and making timely monthly payments and they have no record of it. It has gotten to the point when we call we are placed on hold and they never get back on the phone to help us. One day we were on hold for over an hour when we decided to hang up.
We do not know who else to turn to for assistance. We are at a standstill with M & T and can not go anywhere from here as they can not and will not help us.
We are begging that someone please help us with this situation.
We would like to know where the payments are being applied that are being made monthly.
We also want this HELOC that is attached to our personal home removed as it has nothing to do with our personal loan. When this loan was taken out, it was taken out under a corporation we had at the time and not our personal home.
We are desperate to have this matter rectified as the loan company withdrew our loan because of M & T and we can not go to another lender as M & T needs to correct their records. M & T has cost us a loan that would be saving us hundreds of dollars a month. Because of their negligence and carelessness we now have a situation they created that they refuse to help us with.
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| 08/06/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Both of my accounts at M & T Bank were frozen due to a delayed tax payment to the IRS. I did not receive any alert from M & T that I would not be able to access my funds. After waiting about one month for the IRS to process my payment, they confirmed on XX/XX/XXXX that the payment had been cleared.
I called M & T Customer Service onXX/XX/XXXX to ask if my account was still frozen and after being on hold for a while, I requested to escalate the issue to a supervisor. I spoke to a Mr. XXXX who advised me that he would look into the situation and get back to me on Friday XX/XX/XXXX " by noon. '' I called on XX/XX/XXXX shortly after XXXX because I had not received a call and was on the phone with Mr. XXXX by XXXX. He called the IRS while on the phone with me and confirmed that the hold on my account was released and my accounts would be accessible by Wednesday, XX/XX/XXXX.
On FridayXX/XX/XXXX, went to the XXXX M & T branch around XXXX and told a teller that I wanted to withdraw money in addition to closing my account. The teller told me that I would need to speak to a personal banker. I waited about 35 minutes for a personal banker but needed to go back to work. At no point did someone look up my account or suggest seeing a teller to at least withdraw money. After returning to work, I called both the XXXX and XXXX branches to see if I could get an appointment with a personal banker that afternoon. XXXX at the XXXX branch and XXXX at the XXXX branch both told me that the personal bankers would not see any customers- unless you have an appointment- after XXXX ( even though the bank closes at XXXX ).
On XX/XX/XXXX, I made arrangements to leave my Saturday job early to go to the bank prior to the XXXX closing time. I arrived at the bank between XXXX and XXXX and was told by XXXX that all of the tellers were closed and I wouldn't be able to withdraw any money. At the mention of me closing my account, she set up an appointment with me for an " account review '' ( scheduled for Monday XX/XX/XXXX at XXXX ).
Knowing I wouldn't be able to leave work again for the bank, I tried to arrive first thing in the morning on Monday XX/XX/XXXX to withdraw money. Having hesitation after all of the trouble I've experienced, I called M & T Customer Service again to confirm that I wouldn't have any issues. At around XXXX a customer service representative advised me that there was still a hold on my account.
On XX/XX/XXXX, I called the IRS and confirmed again that the hold had been lifted from my account on XX/XX/XXXX. I called both the XXXX branch ( spoke to XXXX ) and M & T Customer Service to see what I needed to resolve this issue and they told me that if I requested a transcript from the IRS and brought it in, that would resolve my issue.
I was told on XX/XX/XXXX that my account would be unfrozen by XX/XX/XXXX and it is now XX/XX/XXXX and the bank is advising that I wait up to 10 additional business days for my transcript so that they can unfreeze my account.
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| 01/19/2024 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I received a check in the mail through Priority Mail addressed to me from XXXX or what looked like a typical low quality outsources company that XXXX regularly uses. I had issues with a number of purchases made through XXXX late last year and have been in contact with the outsourced customer support that XXXX provides even though I reached out through the XXXX - was still given an out sourced reply that has what you expect from the outsources support world we live in now.
So getting a check from a company saying they are associated with XXXX was not out of the ordinary.
I deposited the check thinking they were refunding me for the purchases that were in dispute. There is nothing illegal about depositing a check you receive. The check had watermarks and all security features listed on the check. It was delivered through Priority mail and the mailman even rang the doorbell to alert me to it, which isn't a common occurrence other that with more important mail deliveries.
The check turned out to be a scam. I immediately called the bank to inform them of the check being a scam and what the process was to not only stop it but to protect my own account- which seems to be one of the main reasons we use banks.
I wasn't given any info. My account was frozen and wasn't able to access my actual funds from my own hard earned money. Credit cards were being declined that I had on auto-pay which resulted in late fee 's and negative reports on my credit report that I have been working on for the past XXXX years to improve and have improved it to a Good rating- but now that is gone due to M & T bank freezing my account and refusing to help me with this.
My rental insurance has also been cancelled due to non-payment. There is plenty of money in my account but M & T is not allowing me access to it and causing me great financial distress. They have literally stolen my money and aiding the scam to play out so that I am further caused financial distress.
This is not what a bank should do. They should be there to help their customers in times like these as they are the financial experts and the role of a bank is to protect us. They have not. They have made this situation XXXX times worse. I am unable to buy food due to this.
I have tried contacting them multiple times. I have spoken with their general CSR who said they were not able to speak to me.
I called the branch that gave me the fraud departments number. I called them and they weren't able to prove me any information. I submitted a XXXX complaint and received a phone call from someone at MT but they also didn't give me any info. Upon their request I took pictures of the envelope and all paperwork that came with the check.
I am unable to access the XXXX of dollars I have in my account and the bank is treatiing me as if I was the one who orchestrated this scam. I deposited a check that seemed legit all things considered and that is not a crime and I should not be treated this way.
Thank you!
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| 05/20/2015 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I was essentially extorted by M & T bank into obtaining a mortgage through them. Due to a report filed with XXXX by M & T Bank in XX/XX/XXXX, I was banned from opening a First Time Home Club savings account with any bank other M & T bank. The charge that was reported to XXXX was grossly inflated due to what I feel were inappropriate NSF charges. Even though I did n't think the report was fair, I did pay the amount owed to M & T, in full, less than one year after it was report to XXXX. Around XXXX XXXX and XXXX XXXX, I attempted to open a First Time Home Club account with XXXX & XXXX XXXX XXXX XXXX, but both were declined due to M & T 's XX/XX/XXXX XXXX report. After being declined by other banks, my housing counselor advised me to speak with M & T to see if they could withdraw the XXXX report. I contacted M & T at a branch to inquire about them withdrawing the XXXX report, but was informed that they could n't do that. However, they told me, I could open the First Time Home Club account with them. It seems preposterous that a company can report someone for a delinquent account ( which I believe was not legitimately delinquent ) & then force that same person to use only that bank. It seems to me that the system is designed ( at least in this instance ) to ensure that a consumer has no choice but to select a certain bank. To make matters worse, after successfully completing the First Time Home Club program and receiving the mortgage, and without informing me, M & T switched our First Time Home Club account to a different type of account that charges a monthly fee of {$7.00}. I believe it is the practice of M & T to do this to others in the First Time Home Club program. The account was charged the {$7.00} fee each month until the balance went negative, then it was written off by M & T -- all without ever disclosing the fees or sending me a statement. Upon completing the First Time Home Club program, I told M & T of our new address ( as was required in order to take funds from that account ) but M & T never updated the address for the account. Interestingly, they did have the correct address for our mortgage account. When I inquired about this with M & T they told me it was my fault for not changing the address and that I can not obtain the funds I had remaining in my account before the fees were charged and the account was written off ( they refused to confirm whether this account was also report to XXXX, but implied it was not ). They also provided me with several old statements and told me a fee was only charged XXXX times, but upon reviewing the statements I discovered at least XXXX as many fees as they claimed. At best, switching First Time Home Club accounts to fee bearing accounts without disclosing such a change is deceptive business practice. It is also not plausible that they did not have my current address because they acknowledged having it for the mortgage which was obtained as a result of that particular savings account.
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| 03/29/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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To whom it may concern, I purchased an investment property XX/XX/XXXX with M & T Bank being the lender. The intent to purchase the property was for rental income purposes. The other was to help a former business partner with housing as well as her credit profile by putting her on the mortgage loan and grant deed for 1 %. Putting M***** M**** on the loan would help improve her credit. M***** M**** increased credit score resulted in higher credit amounts to help pay for the catering business XXXX XXXX we owned together. I was the only person injecting cash into the catering business.
Out of my pocket and no funds from the tenant, I provided the property down payment, paid for the unit remodels, repairs, maintenance, and property management. I have all documented proof.
4 years later, the tenant XXXX XXXX with a leasehold and 1 % interest informed the contracted property management, that she will not be able to make her rent due to Covid -19 hardship.
XXXX of XXXX, I placed the property into forbearance as I could not make the payments without the tenants participation in rent. I also suffered from income loss due to my inability to work as the pandemic hit every part of the real estate industry. The State of California would not allow the collection of rents if the tenant claimed Covid Hardships.
From XX/XX/XXXX through XX/XX/XXXX, I tried XXXX times to get the property out of forbearance by executing a modification of the loan. The loan modification was not executed due to the tenant with a leasehold and 1 % interest refusing to sign the loan modification documents three different times. M & T bank will not proceed with a Covid 19 loan modification without XXXX XXXX signature.
After XXXX XXXX claimed to suffer Covid 19 hardship, she refused to sign the loan modification documents. This is due to a lawsuit complaint she filed claiming entitlement to 50 % of the property??? The tenant brought a lawsuit 4 years later regarding ownership interest after signing the grant deed of 1 %, original loan docs, closing docs, a lease, and fully executed authorization letter allowing me to make fiduciary decisions and project manage the property???
M & T bank will not proceed with a Covid 19 loan modification without XXXX XXXX signature.
After pleading my case to M & T Bank, HUD partners, My Attorneys, no one is able to help the situation? I am being punished with a foreclosure, current horrible credit, future income loss, and inability to sale the property, for helping house that tenant, with a leasehold interest and 1 % ownership interest, build a catering business.
Under the advise of XXXX XXXX Attorneys, that are on a contingency payment agreement, XXXX XXXX is willing to risk a foreclosure on her credit profile to try and have me capitulate to her demand of an unwarranted, unsolicited, unfavorable, ownership interest of 50 % in the property. This is a form of bullying, harassment, and a display of no integrity or honesty.
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| 02/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On XXXX, XX/XX/2021, I checked my balance on my M & T checking account and saw there was a withdrawal on XXXX, XX/XX/2021 in the amount of {$900.00} with the description of counter withdrawal. As neither my husband, nor myself had completed this transaction, I called the XXXX branch of M & T when they opened at XXXX. I spoke with XXXX XXXX, Banking Office/Senior Relationship manager who said she would investigate and get back to me. XXXX called me back a short time late, she advised that a gentleman meeting my husbands description visited their branch on Friday afternoon and completed the withdrawal. Additionally, she stated this gentleman had a valid ID and a benefits card which he used to complete the transaction. At that point, we made an appointment to go into the branch at XXXX to complete a fraud affidavit.
Upon arriving at the branch with my husband on XXXX afternoon, XXXX explained that a gentleman by the name of XXXX XXXX XXXX had initiated a withdrawal from his account on XXXX afternoon. XXXX showed us the signature on the withdrawal slip which clearly showed the signature of XXXX XXXX XXXX, however, the teller had filled in the account information with my account number. My husbands name is XXXX XXXX XXXX and the signature was no where near a match. XXXX then advised that we can complete the fraud affidavit just to be safe but was 95 % sure this was simply teller error. Additionally, they contact XXXX XXXX XXXX and left a message. XXXX then informed me that they were unable to correct the error and put the {$900.00} back into my account unless/until they spoke with XXXX XXXX XXXX. She did assure me that at the latest, the funds will be back into my account today, XX/XX/2021 as XXXX was a bank holiday.
This morning, I received a call from XXXX the branch manager. XXXX confirmed this was a bank error and although it would be correct at some point today, the funds might still show as pending and I would possibly not be able to access the funds M & T took from my account in error until tomorrow. When I asked why this couldnt be corrected on XXXX when I was at the branch and it was determined the be a teller error, XXXX stated that it was because the federal reserve was closed. This makes absolutely no sense. If they wanted to wait to speak with XXXX XXXX XXXX, the {$900.00} shouldve been taken from the branchs general ledger account and given back to me immediately. This is unacceptable. Funds were taken from my account in error on XXXX XX/XX/XXXX and I wont be able to access them until tomorrow, XX/XX/XXXX?????
I want my funds back into my account immediately. I also want financial compensation for this error as I was out {$900.00} for 4 days longer than I shouldve been. This error shouldve been corrected immediately upon discovering the teller error. Additionally, I want a written apology from the branch manager for this error and for not fixing it when it shouldve been fixed. Instead, I was given excuses.
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| 12/27/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I would like to request a Streamline Repayment for my property located at XXXX XXXX XXXX XXXX XXXX MD XXXX Recently, I was offered a repayment but it was not feasible as a single mom of XXXX children. I quickly contacted my Asset Manager XXXX XXXX who stated my home was referred for foreclosure the 2nd week in XX/XX/XXXXwhile I was being considered for alternative foreclosure options. Here is my question if I am being considered for alternative foreclosure options why was my home referred for foreclosure by XXXX XXXX XXXX? Have I exhausted all of my options due to unfortunate life circumstances? I am praying for a miracle for me and my children and need all the help we can get. We are working with a Credit Counselor through XXXX XXXX and they have been very resourceful. I am literally having anxiety and can not sleep at night worried if the Sheriff will be knocking on my home to put my children and I out on the street.
I was required to go on two Medical Leaves of Absence - due to complications related to XXXX XXXX XXXX and the XXXX of my daughter in XXXX who was hospitalized in the XXXX XXXX at XXXX XXXX XXXX Hospital XXXX MD awaiting a XXXX XXXX. OnXX/XX/XXXX my divorce was finalized which is public record reference - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My household income was cut in half and I had to an insurmountable amount of legal fees associated with my divorce and custody of my minor children.
I have being working diligently in alleviating my monthly financial obligations : I was granted an Economic Loan Deferment for my Student Loans, XXXX I was able to get free clothing for my children, XXXX XXXX food and prescription assistance.
While I have been the only wage earner I have submitted applications to alleviate our monthly financial obligations : I was granted an Economic Loan Deferment for my Student Loans, and I have not acquired any new revolving debt in over 8 years. I am back to work full-time and would like to propose a reduction in my interest rate to 3.85 % thereby reducing my mortgage. Please consider lengthening my loan term to 32 years so I can pay back the arrearages now that I am back to working fulltime. If thats not an option please consider reducing my principal to current home market values using my current loan rate. I need my home for the stability my children and elderly parents a foreclosure would not be beneficial to my community, particularly now that I am able to pay and have resumed working full-time.
I, XXXX XXXX XXXX have determined the estimated current property value to be XXXX based on the average values received from : 1. XXXX Lists estimated home values based on recent sales available through public records with the County Clerks Office .
2.XXXX Lists current properties for sale in community and recent sales activity. User is able to search and compare like kind properties.
Any assistance you can provide would be greatly appreciated.
Sincerely, XXXX XXXX XXXX XXXX
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| 05/30/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a {$58000.00} mortgage on a {$68000.00} low income property owned by XXXX in XXXX, Delaware, on XX/XX/XXXX ; XXXX XXXX a XXXX Agent referred me to M & T Bank - XXXX XXXX, XXXX. Given prior racist practices, this bank was sued and found to have violated the civil rights of minority applicants.As a result, it was required to post grants towards the purchase of low income homes - specifically, this Bank, upon certifying the approval of the mortgage for this unit, was required to post {$10000.00} towards the purchase, thus, reducing the purchase price to $ XXXX..We spoke 2 minutes ; he was to return my call Friday XX/XX/XXXX ; he failed to do so ; he thereafter failed to return several phone calls ; he failed to provide requested information re ; the requirements, conditions of the loan.He was made aware of my qualifications - XXXX Credit Score, No Debt, XXXX Income {$50000.00} ; confirmation of unit would be my primary residence.I was told that with the bank stipend of {$10000.00}, the closing costs I would need to pay would be $ XXXX.I informed him time is of the essence, that I am currently residing in XXXX XXXX, NJ at the Financial /Pandemic Ground Zero, that I had lost everything in XXXX due to Bank frauds, that this property represented a critical opportunity for me that I needed to seize upon.He could care less ; he's a racist this little fellow - I am a nobody, but he is a nobody as well, more importantly, he's on notice, this bank has already been taken to Federal Court and found to be racist.But no, this along with the fleecing of the public in XXXX apparently is not sufficient for this little racist manunderstand, he is going to jump to attention and render the same quality, XXXX on the Spot service he XXXX up to.After ten days of never hearing from this gibberish peddling, cocksure charlatan, I demanded to have another loan office assigned. This second arrogant. cocksure, ethically, intellectually challenged upstart - XXXX XXXX, the first Clown 's Colleague.She pronounced " you don't qualify for the loan? " What loan, what are the terms, with what amount of a down payment, with or without your {$10000.00} stipend, which loan, a fixed, arm, 5 15 or 30 year loan? Please provide an explanation, a term sheet setting forth federally mandated lending terms, conditions, lending guidelines, etc., etc,. etc., This Clowness responded : '' I don't understand what you mean, what documents, information are you referring to,,,? ' '' As I told you, you do not qualify for the loan. " On XX/XX/XXXX - Federal Taxes for XXXX were sent to this same Clowness - in repudiation of the fraudulent, malicious, per se illegal, unlawful intentional effort to deceive, mislead this MINORITY MORTGAGE APPLICANT, that he does not qualify for {$400.00} total housing cost, including HOA, taxes, P & I, when I in fact do.This is deliberate, intentional misconduct designed to deprive me the benefit of the {$10000.00} stipend.
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| 03/22/2017 |
Yes |
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- Application, originator, mortgage broker
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Web |
Older American |
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This complaint is in regards to the unethical business practices in which XXXX XXXX NMLS # XXXX with M & T Bank endured on me. I am a XXXX-year-old citizen and was trying to buy my first home with a FHA 3.5 % loan. After listening and trusting in the loan originator mentioned above, I felt I can trust her and the bank at hand. After 2 months of phone and emails, we finally decided to move forward with the loan process. She mentioned to me that to move forward, I need to have the appraisal done first to START the application. I asked her why would I pay for something upfront if I do not know if I am going to get accepted for the loan first ...? I then asked if I get charged for the appraisal and get denied, will I get my money returned, and she said yes. I read the fine print as well, and it did mention I can get a refund if denied the loan during process. So, trusting her since this is my first time, I said okay, let 's go forward. NOW, I am stuck with a {$930.00} appraisal fee ( with no appraisal document ) with a loan that I was denied. I was baffled on how fast she turned over the tables and said that I need 25 % down for the loan to proceed or I will get denied. I said WHAT! I was under the influence of her telling me that everything is good, then went from {$3500.00} down payment to {$25000.00}. All my paper work went through for a FHA loan, not a conventional, and then I received a letter on XXXX XXXX, 2017 stating that I was denied but with no reason for why I was denied the loan. And I am also stuck with the {$930.00} appraisal fee which they refuse to credit back, again, with no valid reason which was done on the XXXX. The appraisal was done on XXXX XXXX, 2017 and the way that I found out was through my broker who called me the same to tell me the appraiser finished. I said oh wow, because I had no knowledge of when he was going to meet with my broker, which all happened in one day, in which THEY contacted my broker without my knowledge.
So, the appraisal was done on the XXXX, I was denied on the XXXX and asked to put {$25000.00} instead or we can not go through with the loan. I still have not received a valid reason for being denied and still have a charge of {$930.00} on my credit card. This was a clear indication that the loan originator was all along trying to get the most money out of me by deceiving me from the beginning. Then I reached out to several numbers to get some help and all the calls with M & T Bank employees were just brushing me off. I also spoke with XXXX XXXX, VP of Administration for M & T Bank, her boss, and it has been over 3 weeks and several voice messages and no results. I feel I have been robbed of the opportunity to buy my first home and of {$930.00} for a service I can not use with M & T Bank unethical business practices. Currently, I am still waiting for a call or feedback and no luck. Why would they do this to a XXXX-year-old for?!? I wish I had help ... ...
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| 11/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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Below is overall summary of the event which I have sent in an email to the executives of M & T bank as well as the board members : To Whom It May Concern : This communication is a desperate final measure to resolve a time sensitive issue. M & T Bank has reported three late payments on my credit history in error, which is subsequently impacting my pending mortgage approval to buy my first home with my XXXX fianc.
In XX/XX/2018 I moved from XXXX XXXX Pennsylvania to XXXX. Upon moving, I submitted my change of address to M & T Bank in person at XXXX XXXX XXXX, XXXX XXXX, PA XXXX. In XX/XX/2018 I lost my credit card, reported it missing the next day, and requested that a replacement be mailed to me on the recorded customer service line. After two weeks passed without receiving my card, I called again and was advised that a charge of {$25.00} would appear on my card for the expediting a second replacement, but would return as a credit since the error was made on M & Ts behalf. The {$25.00} charge was placed on my card, never reimbursed, and I never received the card. After 3 days passed, I called the M & T customer service line to inquire about its whereabouts and was told that it had been delivered. I was informed yet again that I would be charged a {$25.00} expedition fee, but would be reimbursed for M & Ts mistake. The card never arrived at XXXX XXXX XXXX, XXXX PA XXXX. After 3 more business days passed, I called a fourth time and finally discovered that my change of address was entered into the system incorrectly by an employee at the aforementioned XXXX XXXX XXXX as XXXX XXXX XXXX which does not exist, causing my card to default back to my previous address, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX.
I was instructed to go into a branch in person to correct this error, receive a refund for the multiple expedition fees, and to finally obtain my replacement credit card which I had been without for over a month at this point. When I did so, the branch manager would not help me and I was directed back to the customer service line.
Ultimately, my decade long tenure as a client with M & T Bank came to an end as every employee I spoke to both over the phone and in person refused to help me. I switched banks and gave up the fight over the {$50.00} not knowing that M & T Bank had submitted 3 separate past due claims for my remaining balance of {$8.00} during the time this went unresolved despite being owed more than my remaining balance by M & T.
Now, as I am attempting to purchase my first home, I am discovering that M & Ts error is reducing my credit score by roughly 50 points and negatively impacting my mortgage rate. It is my hope that you are able to bring this to a quick resolution rather than have this drag on for months, as it would prevent further unnecessary use of time and resources for all parties. My next steps will involve the Consumer Financial Protection Bureau.
Respectfully, XXXX XXXX
|
| 04/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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# XXXX Submission XX/XX/XXXX ( Sending this by mail also as was told that they could not be reached by CFPB ) I 'm sending letter in mail to them today XX/XX/XXXX as well as on here. XXXX XXXX XXXX XXXX UPDATE XX/XX/XXXX.. XXXX EST. Since writing below, there has been a discovery, the letter sent to me telling me of sale/assignment of my loan that came one month to late .... The information was not true ... .. it was another named company who had it in New Jersey with a different address and phone number. Except that, the company in New Jersey did n't assign it to this original company until XX/XX/XXXX of which I was not informed. The transfer from XXXX to this company was not legally presented either. It appears finagled and in a clever or dishonest way with names and trusts of confusion. Are you keeping track.
The Banks have not addressed my most significant issues ( not once )!
The Banks REFUSED TO MAKE PAYMENTS! ALL along convincing me all was good while in the middle of Modification. I spent over {$50000.00} on legal fees.
The Bank never possessed the original promissory note at the time the complaint was filed.The affidavit of indebtedness ( or amounts due and owing ) were wrong. The Plaintiff did not negate all properly raised affirmative defenses before the summary judgement.
The Bank did NOT act in good faith and had " unclean hands ''.
The Banks behavior were enough to lead me to believe that they were NOT going to exercise right of default and acceleration. It can be well demonstrated that through describing the modification process I was involved in before the law suit was filed, and what they did to convince me that they were not going to sue me, but settle with me for a modification. ( Which they never did )!
The Banks transferred the loan from one bank to another many times with no resolution and not in the timely way in which it states ( they must ) CLEARLY ON MY LOAN. I was not notified with in the time period under law. Also, on several occasions, they did not send documents to my property address as required.
I pray for Justice!
Instead of taking my payments so that my home would be close to now to being free and clear now in my senior years, instead they added those payments on top on the Principle Balance THEM creating a debt twice as big as when I started trying to modify my loan in XX/XX/XXXX to get it paid off! The responses received from the banks are computerized from one bank to another and neither one of them ( " self admitting '' state that they can not speak for what happened prior ) of that they have any validity. Infact they show inconsistancies. I, however, have the true facts and ALL MY PAPER DOCUMENTS! I have an entire filing cabinet full of proof and I can tell you exactly if I have this or that. I can give names and phone numbers of the loan officer, dates and times, extensions at the very beginning XX/XX/XXXX to today XX/XX/XXXX ).
|
| 03/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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See attachment XXXX for a copy of my XXXX XXXX, XXXX Information Requests. See attachment XXXX for a copy of M & T Bank response letter dated XXXX XXXX, XXXX.
The following complaints are in reference to the M & T Bank response letter dated XXXX XXXX, XXXX to my XXXX XXXX, XXXX Information Requests, by paragraph number : 1. M & T Bank makes a one day distinction between when they acknowledge delivery through the mail and when correspondence is considered " received for review. '' 2. There is no trust identified as XXXX XXXX filed with the SEC.
3. M & T Bank failed to identify the investor, as requested, to which the Investor ID referred.
4. On XXXX XXXX, XXXX, M & T Bank sent me a payment history from XXXX XXXX indicating that my loan had a balance of {$0.00} on XXXX/XXXX/XXXX. M & T Bank now represents that XXXX XXXX was not servicing my loan at that time. M & T Bank has failed to provide an accounting, as requested, of when and how my loan balance increased from {$0.00}.
5. M & T Bank failed to identify who made material alterations to the security instrument and why it was necessary to record the altered security instrument after the original security instrument had already been recorded.
6. M & T Bank continues to not answer my corresponding request. This will be my fourth request. I need to know the dollar amount that M & T bank has paid to any entities from the principal and interest payments that I have paid to M & T Bank.
7. I asked if XXXX XXXX was an agent of the lender when Property Inspections were made at my residence. M & T Bank 's response did not answer my question, unless they are now representing that M & T Bank was the lender at those times.
8. M & T Bank failed to provide document references for items that they identified as " other defaults. '' 9. My question was only about Servicers for my loan. M & T Bank did not answer my question, but instead responded with references to Master Servicers. I still need a accounting of the payment history from the Servicers previously identified by M & T Bank as the Servicers of my loan. I also need to know if my loan was in default on the date that XXXX XXXX XXXX started servicing it.
10. I asked a question about lender ( s ). M & T Bank responded with a statement about a Servicer.
11. I asked a question about whether my loan was in default on the date M & T Bank started to service it. M & T Bank failed to address the " default '' question.
12. M & T Bank failed to provide me with a copy of their initial communication to me concerning a debt. They also failed to identify the current and initial creditor on the debt.
M & T Bank has failed to provide me with a chronologically consecutive payment history for my loan. There are at least XXXX gaps in the payment history records that M & T Bank has provided me. Those gaps make the mathematical accuracy of all calculations subsequent to those gaps indeterminate.
|
| 05/23/2018 |
Yes |
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- Trouble during payment process
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Web |
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RE : M and T Mortgage Loan # XXXX M & T bank has persistently misrepresented the fact around the late payment that was reported to the credit agencies in XX/XX/XXXX. After repeated attempts to correct the issue they refuse to see the facts.
The mortgage was started in XX/XX/XXXX as a FHA XXXX Construction loan. The loan as agreed by the originator was to include 4 month of payments in escrow in addition to the construction funds and taxes which is a very normal, standard, and common arrangement in the XXXX loan process.
The house was under construction and not receiving regular mail as M and T would be kneadable of during a major renovation. In XXXX I received a Tax bill from the town that showed a balance due. On XXXX XXXX as you can see in the phone records below I call M and T and asked them why I received this bill and asked them is the money for the taxes and the mortgage coming out of escrow as agreed. I was assured that the money was there, and the bills would be paid. I NEVER heard back from M and T and the XXXX tax bill was indeed paid but they were not paying my mortgage from the construction funds AS I WAS INFORMED ON THE PHONE. In fact you will see that I called them again on XX/XX/XXXX and no mention of this outstanding balance was made. It was not until I learned of the 30 day late from the credit agencies that I contact them to find out what had happened and immediately paid what they said was owed and have been trying to get them to fix the error on the reporting since.
I NEVER Received a single call in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXXstating that there was a pas due amount. Please see my phone records below, not a single incoming call from M and T.
In a previous attempt to get them to correct this they sent documents and stated, here is what was due. Sending me documents 4 month after the fact does not constitute notice of payment due. M and T can send me all the documents they want now but it does not change the fact they NEVER contacted me to let me know that what THEIR representative misinformed me on the phone in the XX/XX/XXXX call. Additional M and T keep detailed phone records and can offer no proof that they did so and can offer no proof that I RECIVED anything from them nor attempted to contact me. It is unacceptable to mail me documents after the fact and claim I knew. I called to confirm that the money was in escrow and they confirmed this in the XX/XX/XXXX call, any claim or statement to contrary is a misrepresentation of the truth. M and T can provide no proof that after the XX/XX/XXXX call that they in any way attempted to contact me. If they say they mailed me documents, they must provide proof of receipt as no documents were received. If they say they called me after the XX/XX/XXXX call they must provide proof of the call.
M and T needs to do the right thing and remove the 30 days late immediately with all 3 reporting agencies.
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| 03/28/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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Death in family occurred. Prior to her death, our mother had requested that her IRA to be closed with XXXX XXXX and funds to be sent to her. While waiting for her request to be processed she passed away and the requested funds where received at her current address, which was the address of her daughter who was taking care of her. Additionally, her daughter was executor of Mothers estate/affairs. The previously request Check was received in her name and due to her death was deposited by daughter into her primary account since her mother had passed away. Initially the deposit was reflected in the account, however several days later M & T fraud called with questions. After further explanation we were told by M & T bank that an estate account would need to be opened and the now frozen funds would be moved into account upon all correct documentation being provided. Daughter went into local branch and provided the requested documentation to open account ( short certificate, death certificate etc. ) the new account was opened as requested. We then as requested, notified Fraud Unit of the successful opening of the Estate account. After several days we again contacted the Fraud unit as the account still did not reflect the funds being released and deposited. We were now told that the Bank decided they wanted to take different route and refused to release funds. The Bank demanded that we provide the contact information for the now closed XXXX XXXX account so the information we had provided could be further verify. Verification was completed and our information that was provided was validated and upon the check being issued per the deceased request, the account was now closed. M & T still holding the issued funds had now changed process again for funds to be released and deposited. They were now requiring XXXX XXXX to request the check back after it was deposited and cashed. XXXX XXXX was willing to do so with a letter request from M & T stating " deposit was made in error without proper endorsement. " Additionally, XXXX XXXX would redeposit the check in question back into the now closed account to force the account to be reopened and re-send the check however M & T needed it to be sent to be deposited into the account. To date, there still has been no movement for the funds to be deposited back into our account in which we are currently at over 3 weeks with no resolution. Multiple calls made to Fraud area with request for update and we continue to be given a different story or I ca n't speak for the " Retail Bank '' and where they are in the Resolution of your situation.
We simple would like our funds to be deposited as they should be so we can pay for the burial expense of our Mother. We have been extremely patient but our patience has come to an end. We are turning to the CFPB for help with resolution of this issue before we will need to get our Attorney involved.
Thank You
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| 10/07/2023 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
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My mortgage was sold to M & T Mortgage Co. as of XX/XX/XXXX. I called on XX/XX/XXXX to discuss the issues I had with the previous and original Mortgage Co. XXXX XXXX.
I explained to the representative there is an error with the amount of taxes that were paid resulting in an escrow adjustment to cover the shortage which raised my mortgage payment by {$230.00} a month. I provided documentation to XXXX in XX/XX/XXXX after the spring taxes were paid.
I called again in XXXX after receiving notification that my house insurance was paid and noticed that they paid the wrong amount. I provided documentation to them from my insurance company and they said it would be adjusted.
I also asked them about the notification regarding the sale of my mortgage to M & T Mortgage in XXXX and was promised it would all be taken care of and my monthly payment would be adjusted back down rather than receiving an escrow refund check. They assured me it would be done before the sale but my monthly payment amount wasn't adjusted back down to the original amount.
The M & T Mortgage Co. representative told me they could not take the lower payment amount without it being held in a special account and that they saw nothing in the records about the error or correction by XXXX. So I paid the higher mortgage payment amount in XXXX.
They also told me that I had to wait for an investigation and an analysis of my escrow account and that it was expected to be completed in XXXX. But during that time I would not be charged late fees. I paid the higher amount in XXXX anyway.
I called M & T Mortgage Co. back on Monday XX/XX/XXXX to get a copy of the investigation and the escrow analysis and was told that they did not see an escrow analysis or investigation notes and that I needed to talk to the Tax Department of M & T.
I explained that I couldn't pay the XXXX payment because my car was broke down and I was having to get a rental car until it could get fixed. I explained that the Dealership had the car for one week and still hadn't even looked at it because they had no available technicians. I was told that the respite period ended on XX/XX/XXXX but they would waive the late charge for XXXX, which they did and provided me information about Mortgage Assistance Options and the number to call, which I did.
I called the Tax Department. They told me to fax my documentation which included the error and correction by the county tax office and I did. They said it would take 5 days for the Research Dept to review. They scheduled a follow-up call with an update for Saturday XX/XX/XXXX but instead, I got a credit report alert stating M & T reported me to the credit bureau with a late payment! Which is going to damage my credit.
According to the CFPB the servicer ( M & T Mortgage Co. ) is not allowed to send negative information to the credit reporting agencies for 60 days after notice of the error.
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| 12/20/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Sometime in the last 2 months I opened a new account with M & T Bank ( and I specify sometime as a range because they have handed me several different dates throughout this. ) On the XXXX of XX/XX/2022, My fiance XXXX XXXX sent me {$28.00} through XXXX so we could attempt to use my new account to pay a bill. When I attempted to pay the bill I began getting error notices. I attempted to charge the card elsewhere and continued to get error notices. It was then I attempted to XXXX the money back to my fiance 's account and was told I could not do that.
Immediately, I began attempting to contact the bank about the issue. One agent said my card was valid and there was no reason I could not use my account. Confused about the error, she sent me to another agent who told me, there was a hold on my account over paperwork. They sent me to another agent who said no, your account is being investigated for fraud. They sent me to their fraud department, who told me they could not do anything and would need to visit my local branch in person to get my funds and fix my account.
I have no transportation so I attempted to reach out to M & T through email, it took a couple days for them to respond. On the XXXX I received an email they told me was to go into a branch location, have THEM call the number on the hold and they can fix everything.
On the XXXX of XX/XX/2022, I went to the M & T bank location at : XXXX XXXX XXXX XXXX, XXXX, MD XXXX, with my ID, fiance and children. We were taken into a back office with a special banker, XXXX XXXX. XXXX claimed she could see no hold or issue with the account. After attempting to get her to understand what the emails and ALL THE AGENTS before her said, we finally just tried to have them release the funds from the account so we could stop doing business with them. XXXX had me fill out a withdrawal slip and disappeared out of the room.
When she returned, all she had was a business card with a phone number on it and told us if we ever want our money or to use the account, WE would have to call the number and have them fix it.
When we called the number we were told a location/banker needs to call them and they could not help us.
Not wanting to waste anymore time with people who obviously have mine and my families best interest last, I decided to see how to file against the establishment, and here I am.
Any assistance is much appreciated as I have exhausted ALL feasible options with this institution and just want my money so I can warn EVERYONE and ANYONE to NEVER use M & T Bank.
( To clarify, this is not the first time we have had issues with this apparently corrupt institution withholding our funds from our household. In XXXX, there was an issue with using the {$2000.00} check that had been deposited into my fiance 's account and consequently costed us a {$100.00} late fee on our rent for their refusal to disburse our funds then. )
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| 08/03/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Issues began at the beginning of this loan during the month of XXXX when I called to make sure I wasn't late on my first payment as I received a harassing call at my place of work indicating my account was past due. Please keep in mind I had just purchased this RV. When I called M & T to discuss this inappropriate phone call, they indicated their records reflected I had two RV loans with different payment amounts. They said this would be resolved and my payment was not due yet ... .they apologized for calling my work. I then made a payment on XX/XX/XXXX. Then when I applied for a mortgage in XXXX and the mortgage officer indicated I was denied because M & T bank had reported I had not made payments to them although I called and made one on XX/XX/XXXX. When I called M & T Bank, they indicated they did not have the correct bank account number so the payment did not go through, however, no one notified me of this issue. Payments are being taken out of my account without authorization. For two separate months, two payments have been taken out on the same day. On XX/XX/XXXX, {$420.00} was taken out of my personal bank account twice making a total of {$850.00}. My payment is only {$210.00} and I was actually making two payments, one for XXXX and XXXX. Instead, they took out {$850.00}, only returned {$420.00} which was confirmed by my bank, and have not credited my account for the initial {$420.00}. In my view this is stealing. My bank gave you {$420.00}, confirmed it and they are acting as though they never received it which is incorrect. They indicated I have not made a payment, whereas my bank confirms they have received my money. Therefore, monies I have paid have not been applied to my account and I'm receiving threatening correspondence every month indicating I'm 50 days past due which is inaccurate as reflected on my account statement. In XXXX, again, two charges on the same day but for different amounts were taken from my personal bank account which I did not authorize. I made a payment of {$220.00}, however, not only did they take the amount of {$220.00} but they also took the amount of {$210.00}. I reported this to them several times and nothing has been done. I have also attached collection letters dated 9 days apart stating different things which make no sense whatsoever. I have received multiple collection calls although I am not behind in my payments. I was told this would be taken care of several months ago and now there seems to be no resolution as I can't seem to get anyone to return my call. Additionally, I am unable to obtain any copies of statements off my account online even though it says they have them for the last seven years. Mine stop at XXXX and I am unable to reach anyone to obtain copies. I have reached my last resort and had no other choice but to reach out to the CFPB along with the Attorney General and Federal Trade Commission.
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| 11/11/2018 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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Since M & T Bank ( MTB ) began servicing my condominium mortgage in XX/XX/XXXX, I have received multiple letters from MTB asking for " evidence '' of insurance. The letters also indicate that MTB will purchase Force-Placed Insurance ( FPI ) for my property if I do not provide the current insurance. ( Escrowing for insurance is not in my loan. ) My condominium association pays for and holds the master hazard policy for my property. MOST IMPORTANTLY, THE COVERAGE IS WALL IN AND THE POLICY IS CURRENT ; IT HAS NOT EXPIRED, LAPSED, BEEN CANCELED, OR ENDED.
The letters in question have the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX.
In response to the letter dated XX/XX/XXXX, I called MTBs customer service and faxed a copy of my condominium associations master policy.
In response to the letter, dated XX/XX/XXXX and MTBs claim that my insurance had expired, I called customer service again and later received an apology letter from XXXX ( dated XX/XX/XXXX ).
In response to the letter dated XX/XX/XXXX, I called MTB and faxed a copy of my condominium communitys insurance policy on XX/XX/XXXX.
In response to the letter dated XX/XX/XXXX, claiming that our insurance had expired and that MTB would purchase FPI at an estimated cost of {$690.00}, we contacted customer service again, and were told that there was no record of our fax. I then sent the information via USPS Certified Mail and contacted the insurance company for my condominium association. The insurance agent faxed the policy information directly to MTB and, as a result, I received another apology letter from MTB dated XX/XX/XXXX.
Astonishingly, I received a fifth letter from MTB dated XX/XX/XXXX, stating that their records show that my condominium HO-6 insurance has expired. MTB is now claiming that the master condominium policy for my unit excludes walls in coverage. Wall In coverage is listed in my insurance information that was submitted to MTB on multiple occasions.
The situation with MTB and their repeated letters claiming our insurance is expired has reached the level of absurdity. I am a veteran and both my wife and I are XXXX XXXX. We contacted the Department of Banking in our home state about the issue and they suggested we contact CFPB. We have made repeated phone calls to MTB, sent the requested insurance information via fax ( on more than one occasion ), had it sent directly from the insurance company, and sent it by USPS Certified Mail.
At this point, I fear that MTB will buy FPI or HO-6 insurance for my property even though they have clear evidence that my master policy includes Wall In coverage. I want MTB 's repeated letters and claims about my insurance being " expired '' to stop. If MTB wishes to improve its customer service, it should take the time to read/review the master policy for my property and correctly update my records.
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| 11/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I applied for a loan modification earlier this year with M & T Bank. The modification process was being serviced by XXXX XXXX XXXX. The purpose of my request for the loan modification is that my mortgage payment is {$770.00} with an interest rate of 6.750 %. I live on Social Security and can not afford the payments. The bank is willing to adjust my mortgage by only {$84.00} per month while keeping the interest rate at the same rate of 6.750 % .. The reason they gave was that I had equity in my home. They said my " loan to value '' ratio exceeded 80 % and they valued my house at {$100000.00}. I completely disagree with their valuation as the price opinion based on erroneous information. The broker noted my home as being a 2 bedroom, 2 bath home with a pool. This is false. I have a 2 bedroom home but only 1 bath and no pool. I live in a rural area. The 3 comparable listings they used had either more bedrooms or more bathrooms than my home. These other homes all have more rooms than mine and are priced above {$110000.00}. Since my home is smaller with fewer rooms it should be valued at significantly less than that. It 's noted that the average time on the market is 120 days. The 3 homes were listed for 4 months, 5 months and the 3rd at more than 7 months so the 120 day figure is inaccurate. Additionally since those 3 homes have not sold their list price should not be used as a barometer for what my home is worth. Of the comparable sales they cited only 1 property sold in excess of {$100000.00}, the other 2 were at {$74000.00} and {$75000.00} respectively. The high sale had a 3rd bedroom and was 1800 sq. ft. My house is only 1122 sq ft. I 'm not sure why they would say my house that has fewer bedrooms and is significantly smaller would be valued at nearly the same price!. Finally their report shows the condition of my house to be good. I live in a log cabin. The logs need to have a varathane coating for protection every couple of years. I have not been able to do this. I have a septic tank that needs attention and the home has a well pump and pressure tank that has not been replaced since the house was built over 20 years ago. There is other deferred maintenance including tree removal and roof repair. I live in a mountainous are and have no central heat..I use a wood burning stove for heat in the winter. None of this was factored into the valuation of my home and the only house to sell over {$100000.00} is not nearly close to what my house is. The other sales make much more sense. We disputed the price opinion in writing but XXXX did not listen and did not order a reappraisal Finally, XXXX referred my loan to an attorney to start foreclosure which while I was disputing the inaccurate price opinion and continuing to get my loan modified. This was in violation of the California Homeowner 's Bill of Rights as it is considered dual tracking
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| 02/17/2019 |
Yes |
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- Trouble during payment process
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Web |
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Since XX/XX/XXXX, over-payment of escrow account, where M & T Bank refused to credit mortgage account and pay down principal as requested numerous times over the phone. Only attaching a note on my bill, " ... Our records indicate that M & T has sent you a refund check that you have not cashed yet. Check # XXXX, dated, XX/XX/XXXX in the amount of {$220.00} ... '' ; and I just read this, on or about XX/XX/XXXXas I recall, I spoke with someone in XX/XX/XXXX, where they told me they applied this to my principal per a phone conversation back where I exclaimed, this should have been done back in XX/XX/XXXX, and the customer service representative said it was! Again speaking in another phone call in XX/XX/XXXX where M & T, stated over the phone, they had applied the over-payment to principal, yet here it is XX/XX/XXXX -- and the above message has not been removed from my monthly bills. Has monies been wrongfully misplaced on purpose? How many more customers had their overpayments not cashed and given the option to have credit to escrow/principal paid instead? Is this a violation of the FHA/HUD Rules & Reg.? Someone was lied to, and can be backed-up to that effect, including any mishandling of funds, as the amount of mortgage payment should be less than {$1500.00} per month .... Please enforce the correct payment amount, as anyone who studies math, knows numbers do not lie. Escrow is knowable, especially since the numbers for the year XX/XX/XXXX were released and M & T did nothing to correct monthly payment amounts. The false amount placed in escrow by M & T is fraud. Including since they're raising the monthly payment amount they state I am short in the escrow, which is less than the amount they still owe in back principal. The shortage amount for XX/XX/XXXX, was about $ 170+/-, and where M & T raised monthly payment amount this year. Please slap them with a fine per the rules, credit my account back principal, and re-calculate actual payment amount as ESCROW TAX AMOUNTS HAVE BEEN RELEASED FOR THE XX/XX/XXXX-XX/XX/XXXX, and is knowable down to the XXXX, where I should be paying less than $ 1500/month ; M & T is charging, {$1500.00} -- which is more than previous year, and where if principal had been credited as they said they did, what would that amount be today? Per the XX/XX/XXXX bill amount was {$1500.00}, and where they did not credit the $ XXXXwhich would have been a reduced payment amount. Please credit from XX/XX/XXXX and using the TVM~Time Value of Money equations, recalculate new principal amount with above applied credit and supply a new escrow to establish the correct payment amount due for per month for the year XX/XX/XXXX. Not withstanding anything less than a fine, and a credit of interest per both federal and California State Laws for wrongful mishandling of escrow balances and defrauding monthly payment amounts.
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| 12/03/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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To whom it may concernI am having an issue with my mortgage company M & T Bank. I have had some family issues that involve my some medically that made us have to pull him out of daycare. My son now XXXX care of our XXXX sons. Now this has made us loose an income. So we have started a loan modification with M & T Bank. Here is where the problems start. The bank approved us for a loan modification. We had agreed on a price and I am already began paying the agreed to price. Now M & T Bank is telling me that there is a lien on the title and they can not do the loan modification. This so called lean they are saying was put on the title back in 2008. I did not even own any property back in 2008. I did have a judgment on me back in 2008 and a bankruptcy that followed that. I had the bankruptcy discharged in XXXX of 2008. Now M & T wants me to take care of this before they can move forward. This is just not possible. The judgment was part of the bankruptcy and is non collectable. After trying to go to the court house both the XXXX XXXX and bankruptcy courthouse there is nothing to be done on the case. I have already sent the final decree and the list of creditors that was on the bankruptcy to the mortgage company. I even went so far as to try and contact the original creditor that filed the judgment ( XXXX XXXX XXXX ). That resulted in a run around. XXXX XXXX XXXX said that the case was closed and is showing that it was involved in the bankruptcy. Furthermore the case was not even in their files any more. The number on the judgment for the attorney does not even have that file anymore. So after all that I spoke to an attorney who stated that the only thing I need to provide M & T Bank is a copy of the petition and the final decree and talk to M & T Bank and ask to speak to a supervisor on who is reporting that there is a lien on the title. Well that also is not being furnished to me by M & T bank. The supervisor I spoke with told me it is a M & T supplied title company and they can not tell me who it is. M & T has been very frustrating in giving me information and also asking me to do an impossible task. Even if I had the XXXX dollars to pay this lien off its uncollectable and no one even has the case. Furthermore the attorney that I consulted with told me I do not need to hire an attorney that they get this all the time with title companies. That they do n't understand that a lien that was discharged in a bankruptcy can not be put on a title on a primary residence that was purchased at a later date as M & T Bank is saying that this is what happened. There is no way that a lien can be on the property from 2008 that I did not own until 2 and half years ago. Anyway I can not be the only person that this has happened to and being denied for a modification because of a personal non collectable judgment that is out in the county clerk.
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| 12/21/2023 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Servicemember |
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On XXXX XXXXXXXX XXXX I spoke to M & T Bank regarding my lapse in insurance coverage that I was not aware of. After an explanation from the Specialist they explained I had not had insurance since XXXXXXXX after insurance was not paid by the mortgage company. The specialist advised me to get insurance ASAP.
On XX/XX/XXXX XXXX M & t bank sent me a letter stating that it was my second notice stating that insurance had expired and I needed to provide my insurance or they would purchase an insurance for me.
On XX/XX/XXXXXXXX XXXX I received the final notice that stated they had purchased an insurance for me XX/XX/XXXXXXXX for {$1700.00} and that I could cancel that insurance after I purchased my own insurance.
On XX/XX/XXXX I purchased my insurance from XXXX and sent them the paperwork thinking I would be getting a refund of {$1700.00} that was charged to my escrow account.
On XX/XX/XXXX I called M & T Bank asking about the correction that needed to be made and they stated that the {$1700.00} that was charged was not from XX/XX/XXXXXXXX going forward but was charged from XX/XX/XXXX2XXXX until XXXXXXXX. I explained that I was not notified that I did not have insurance until the XX/XX/XXXXXXXX phone call I had and should not be charged for a previous time frame since I had just been notified by phone call in XX/XX/XXXXXXXX XXXX and I had only received letter in XXXX and XX/XX/XXXXXXXX about insurance lapse. I explained I would have no ability to buy another insurance policy that could be backdated from XX/XX/XXXXXXXX to XX/XX/XXXXXXXX since I was not notified by bank until XXXXXXXX XXXX
Specialist agreed that I would be unable to purchase my own backdated insurance but the they are able to do that and I would have no choice.
I explained I was never given any notice to be able to purchase insurance in XXXX as neither was aware of the lapse in coverage. they explained that it was not their fault and by law they had the ability to charge me anything they could as I could not get any other insurance.
I then cited 1024.37 Force-placed insurance were is states that Before a servicer assesses on a borrower any premium charge or fee related to force-placed insurance, the servicer must : ( i ) Deliver to a borrower or place in the mail a written notice containing the information required by paragraph ( c ) ( 2 ) of this section at least 45 days before a servicer assesses on a borrower such charge or fee ; I explained I did not receive the final notice until XXXXXXXX and at that point I could not purchase any back dated insurance but they refused to help me stating that they can legally purchase any insurance they need.
This is theft. the mortgage company has stolen {$1700.00} from me.M & T Bank purchased an insurance policy on XXXX for XXXX to XXXX with out written notification allowing me any options. that should be illegal.
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| 08/03/2019 |
Yes |
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- Trouble during payment process
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Web |
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I received a notice from XXXX XXXX in XX/XX/XXXX that I was behind with one of my accounts and so I logged in and it was my mortgage company, M & T Bank. I had made all of my payments on time and even paid XX/XX/2019 payment in XX/XX/XXXX. I went through my bank statements just to make sure and yes, I had made every single payment, there just was not one listed for XX/XX/XXXX because I made it on XX/XX/2019. I emailed the company on their website listing dates and amounts that were paid ( I have attached a copy of the email and their response ) The XX/XX/XXXX payment was made on XX/XX/2019 for the payment amount of {$490.00}. The payment I tried to make early for XX/XX/XXXX was paid on XX/XX/2019 in the amount of {$560.00}. I paid extra to pay down late fees that I have incurred. Imagine my surprise when in the response from the bank, they told me that they did not show me making a payment of {$490.00} on XX/XX/2019. She asked me to fax the information over if I had proof otherwise which I did on XX/XX/2019 at XXXX XXXX, I am attaching the fax confirmation sheet. On Friday, XX/XX/2019 I received a letter from the bank dated XX/XX/2019 stating that they will investigate and let me know what they find. The letter states that I owe for XX/XX/XXXX ( which I do not ) and now it is XX/XX/XXXX and I owe for XX/XX/XXXX also. My credit report shows that I did not make a payment for XX/XX/XXXX, which is false, I sent them a statement from every month showing all of the payments I made. I also had a problem with my mortgage insurance and had to get new. My new company sent them the information in XX/XX/2019 to have insurance begin XX/XX/2019 and to be put in escrow. The company did not pay the bill for the escrow and beginning XX/XX/2019 raised my payment to include their insurance. My payment went from {$490.00} a month to {$780.00}. They would not accept payment for the mortgage only and did not pay the escrow for that. So I went back to the insurance agency and did a new policy that began in XX/XX/2019 but I still had to pay the outrageous amount of {$800.00} because they still did not pay the escrow and I had bounced a check so I added the {$20.00} to that payment, which I told the girl when I called that is what it was for, and yet it still shows I owe a {$20.00} NSF fee which I have attached a copy of my online account because it also STILL shows I owe for XX/XX/XXXX and now XX/XX/XXXX. As of today, XX/XX/2019, they have not paid my insurance to escrow and it will be cancelled on XX/XX/2019 if they do not. I have gone back and forth with this company and they are never willing to help even when it is their fault. I can't afford to pay XX/XX/XXXX and XX/XX/XXXX and so I will be going into default soon.
Thank you XXXX XXXX - XXXX M & T Bank is my mortgage company account # XXXX Their phone number is XXXX
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| 03/08/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX XXXX XXXX Called to check the status of the short sale application. XXXX XXXX answered. The file has been closed as of this morning. I told them it's not okay to leave me a voicemail yesterday and when I call back tell me it's closed. He said they call me on XX/XX/XXXX, which is Saturday and yesterday, which I am returning. It's completely not okay to close it out in less than 24 hours from leaving me a message and a week from me speaking with me, when they were the ones who did not review my documents since XX/XX/XXXX. I requested a supervisor and was transferred to XXXX. I told him I have called XXXX, XXXX, XXXX, and today. They did not review the items I sent on XX/XX/XXXX and resent on XX/XX/XXXX. I also sent XXXX and pension letters on XXXX. He said I am not being given the correct information when I call, since they are still asking for updated pension and SSDI. I sent these on XXXX. He also wants the XXXX, since the one we sent is dated XXXX. That is not the case, it's dated XXXX. He said the XXXX is wrong, this one is XXXX, not FHA. He said resend correct FHA XXXX, pension, XXXX, XXXX, and entire application. This is insane, since we have re-submitted already and have been updating in a timely manner.
XX/XX/XXXX XXXX XXXX Called to check the status of the short sale application. XXXX XXXX Answered. They still have not reviewed the documents as they are still requesting the same ones sent on XXXX. I asked him to escalate it and he said he would. I re-sent via email and fax.
XX/XX/XXXX XXXX XXXX : Called to check the status of the short sale application. They are just now reviewing the docs I sent on XX/XX/XXXX. They said it was uploaded on Sat., and it can take 48 hours to review. I requested a supervisor since the application should be complete and they have had over 48 hours to review. XXXX XXXX is the supervisor and she said they had 48 hours to upload it and 5 b/d to review. She said if it's not reviewed by tomorrow, I can call back and have it escalated. If she does it now, they will reject it saying they are within their timeline.
XX/XX/XXXX XXXX XXXX : Called to check the status of the short sale application. An automated machine said we are closed for the holiday?!? What holiday? XX/XX/XXXX is XXXX 's Day.
XX/XX/XXXX XXXX XXXX : Called to check the status of the short sale application. I entered XXXX 's extension and it said thank you for calling, goodbye and hung-up. XXXX XXXX answered and said they are missing the XXXX, which I confirmed I sent on XX/XX/XXXX, she found it and it's not the right one. M & T XXXXorrower 's financial report, which is labeled the XXXX, but also sent in., and the 30 days of paystubs. Transferred to XXXX, the supervisor who said sometimes the faxes fail and emails are too big and to resend them. I requested 2 more paystubs to go with it.
|
| 10/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My account with M & T Bank was opened on XX/XX/XXXX. I was told that after XX/XX/XXXX, checks I deposited would no longer be held for 5 business days. On XX/XX/XXXX I deposited my payroll check, which was available the next business day. Since that went through fine I figured I was okay to transfer, via check, money from a separate account I own, but had lost my atm card for. These transfers were time sensitive because my daughter is supposed to be having XXXX and I needed access to those funds to pay for it. On XX/XX/XXXX I deposited a {$1000.00} check. I was told {$250.00} would be available immediately and {$750.00} would be available the next day. So on XX/XX/XXXX when the funds weren't available I called and was told that there was a 1 business day hold and the funds would be available on XX/XX/XXXX. Believing that, I wrote another {$1000.00} to transfer more money from my other account. Based on what I'm STILL seeing online {$250.00} would be available on XX/XX/XXXX and the balance 1 business day later.
This morning I woke up expecting to see a balance of about {$1000.00} in my account. So when I looked and there was only {$1.00} I was deeply worried. I immediately called M & T Bank where I was told that a 4 business day hold was placed on these checks. Now, per their OWN funds availability documents, they are to notify when a hold is placed. I received no notification. Not a call, not an e-mail, even my online account STILL shows that these checks should have cleared by now. But instead I had to put off my daughters XXXX yet again, while M & T secretly changes hold dates with no notification to me.
Additionally, something I find troubling. Late at night when I was checking my account, it was showing as - {$990.00} overdrawn. I have NEVER been overdrawn by that kind of money. The most I was ever overdrawn was {$5.00} when I forgot about atm fees. And immediately resolved the problem by depositing cash into the account.
I also received a notice on XX/XX/XXXX via M & T website that was a Notice of Insufficient Funds. Again, they were showing my account hundreds and hundreds of dollars overdrafted when it's NEVER been overdrafted like that.
I would like answers to why M & T is falsely sending these notices to make it look like my account is always in the negative and WHY they are holding my money with no notice to me, but making it look like it should be available on their website.
When I called and spoke to a supervisor he basically said he'd reach out to the department responsible but that I wouldn't hear back from him until Monday because he was leaving the office today at XXXX. Not even an offer to have another supervisor reach out to me. Just ... wait til Monday. No concern for my kid who will now have XXXX pushed off yet again. Which is costing me money every time I rescheduled.
|
| 04/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
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In XX/XX/XXXX, my XXXX XXXX was totaled in a hit and run. I was instructed by the finance manager of the dealership that I got the car to not continue car payments to M & T for months after the total loss as it was GAP insurance 's responsibility. My car insurance ( XXXX XXXX ) issued the there payment to M & T in XX/XX/XXXX. GAP insurance was working on the claim and was responsible for the remainder of payments and M & T was aware of that. I have not received any bills, balance remaining statements, breakdowns, final notices, or notifications of the payments made to M & T. I recently was applying for a home loan ( XX/XX/XXXX ) and they had me dispute the M & T loan on my credit report since I knew the balance remaining was not {$12000.00} since GAP paid. After disputing it with each of the credit agencies, on XX/XX/XXXX-XX/XX/XXXX, XXXX, XXXX, and XXXX all updated saying the M & T account was charged off/in collections since XX/XX/XXXX, which I had no notice of. They credit report claims that the amount charged off is {$2500.00}. However, they charged off the amount off {$12000.00}, which, again, was GAP insurance 's responsibility. GAP insurance made their payment on XX/XX/XXXX of {$10000.00}, which is not listed on the credit report either. It states that NO payment have been made since XX/XX/XXXX. Aside from that I was told they couldn't charge off an account if payments had been made, even if it was made by insurance. I, then, didn't receive a remaining balance until XX/XX/XXXX by XXXX XXXX. I've requested a breakdown of these charges from XXXX XXXX, as well, which I have been unable to get from him or anyone else at the company. I've been working with XXXX XXXX, XXXX XXXX, and VP XXXX XXXX routinely since XX/XX/XXXX with no one mentioning this account was charged off. They are aware that I had every intention of paying the remaining amount once all insurance claims were processed. I even offered to pay the balance in full if they would send me a statement of how they got to the remaining balance and for the charge off to be removed from the credit report, as this affected my co-signer 's credit score, too. They denied my request and said although charge-offs can be reversed, they were not going to do so since they feel the bank did nothing wrong. I disagree due the fact that when they charged the account off, I was not forewarned nor had GAP insurance made their payment yet, meaning the financial obligation wasn't mine at that time. I was never offered to set up a payment plan, nor did I receive a final notice. When I finally received my remaining balance on XX/XX/XXXX, I asked for a break down on how they got to that final number, which, again, was denied. They remaining balance does not match what GAP insurance said would be left on the loan nor what I once discussed with XXXX XXXX.
|
| 01/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
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At the end of XX/XX/XXXX, I attempted to make a payment on a personal loan I had with M & T Bank, only to find out the loan had been paid off without my knowledge. I suspected it was a mistake and called to find out what happened only to be told by my loan officer, XXXX, that he couldn't tell me where the funds came from and that I should " not worry about it, since it's paid off. '' The loan was closed and an additional {$3500.00} was sent to me via check. I deposited that money into my savings account and sat on it, strongly suspecting it wasn't mine but not knowing to whom it actually belonged. I also received a letter dated XX/XX/XXXX, informing me that the loan had been paid off and closed.
It turns out, a car dealership from whom I purchased a vehicle in early XXXX sent a payoff amount for my trade-in to the wrong bank. ( In order to facilitate the sale of the vehicle, the dealership actually issued a second payment to the correct bank. ) The dealership had been attempting to recover the funds mistakenly sent to M & T Bank beginning less than 48 hours after the mistake had been made.
On XX/XX/XXXX, I received a phone call from M & T Bank informing me that there had been a mistake and that they had taken out ( WITHOUT my authorization or signature ) a new loan in my name back-dated to XX/XX/XXXX and were taking ( again, without needing my signature or other authorization ) the amount of {$3500.00} from my savings account to rectify the mistake.
Meanwhile, the dealership had been trying to get its money back unsuccessfully until the funds were returned to them on XX/XX/XXXX. So that means that, during all this time, M & T Bank had possession of the funds.
My complaint against M & T Bank is this : they have issued a new loan in my name with backdated interest to XX/XX/XXXX in the amount of {$110.00}. It can not be stressed enough - this is interest on money that was in their possession during this period of time. The dealership had not been reimbursed, and I did not have an open account from XXXX until XXXX.
The remaining balance of the loan at the time the mistake was made was {$4000.00}. The loan reopened in my name was either reopened without my knowledge in XX/XX/XXXX or backdated to accrue interest from XX/XX/XXXX and was reopened in the amount of {$4100.00}.
I have spoken to several members of M & T Bank, from the branch manager to the corporation 's customer service line. I have told them that the loan should have been reopened in the amount of {$4000.00}. All of them told me " tough luck '' and refuse to change the amount.
It should be noted that, given the fact that my " new '' loan number is the same as my " old '' loan number, it would appear that M & T Bank has actually attempted to erase the mistake from its accounting records altogether.
|
| 01/14/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We built a new home in XXXX in XXXX XXXX, Minnesota. During the closing process we noticed that somehow the escrow got setup for us to pay the anticipated " full '' taxes for XXXX at {$4300.00}, or {$360.00} per mortgage payment. After closing we we told to make 1 payment then call to get the taxes and escrow payment adjusted. We made our XX/XX/XXXX payment.
To preface the main issue, in Minnesota, per MN Statute the value used to XXXX property taxes for a certain year is based on the value of the property on XX/XX/XXXX of the previous year. So for XXXX taxes the value to base those taxes on is based on the value of the property on XX/XX/XXXX. For our property the value is based off of it being a vacant lot, proposed at {$23000.00}, with a homestead exclusion of {$9200.00} for a taxable value of {$13000.00} which makes the proposed taxes for XXXX {$210.00}.
I called M & T bank in early XX/XX/XXXX to have them correct the XXXX taxes from the {$4300.00} to the {$210.00}. They opened a case up and told me that the case would take 5-10 business days to resolve. When I called back @ XX/XX/XXXX they said the case had been closed and the taxes they had at {$4300.00} were correct. I explained the situation again and asked the to open a new case as that was not correct. They opened a new case and I sent them a document I received from XXXX County with my proposed XXXX taxes listed at {$210.00}.
On XX/XX/XXXX I called again to find out the resolution. Once again I was told by XXXX that they had the correct amount and that the case had been closed without changing my payment. At this point I was getting extremely frustrated and asked to speak with a supervisor. I went through the same process of explaining the situation and opened another case. She told me that they can't speak directly to the " research " department handling the case. She once again told me that it would be 5-10 days.
I called on XX/XX/XXXX again and once again was told that everything was correct in their system. I once again opened a case and also uploaded to them a letter from the XXXX County assessor, XXXX XXXX, who I had talked to about this XXXX tax issue.
Once again I called on XX/XX/XXXX and spoke to a XXXX who informed me of the same closed case. I asked to speak with a supervisor and was told none were available but would call me back in 24-48 hours. I again opened a case and subsequently never did receive a phone call from a supervisor.
XX/XX/XXXX, I called and spoke to a supervisor XXXX who informed me of the same closed case scenario. She though went one step further and actually called XXXX XXXX in a conference call with me. XXXX confirmed the proposed XXXX tax amount, based off of the undeveloped lot as of XX/XX/XXXX. She opened another case ....
That is where we are at today, XX/XX/XXXX
|
| 02/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
There are a lot of things that are going on here so I'm going to try and break them apart into different sections of the complaint based on how they are worked out and have been discovered.
M & T bank obtained my loan starting in XXXX of XXXX it had previously been held by XXXX XXXX XXXX XXXX. We had no problems during the time the loan was held by XXXX XXXX XXXX in terms of payments or clear explanations of what was going on until they began the selling process to M & T Bank. Since M & T bank has taken over there have been repeated missteps, miscommunication, and problems many of which are surrounded by our escrow account and XXXX XXXX.
Problem 1 ) Somehow XXXX XXXX XXXX XXXX did not pay our XXXX for 12 months. M & T Bank took the money from our Escrow account to make this current however, according to our Escrow Disclosure any late payments, fees, or interest associated with payments not made in a timely manner are the responsibility of the bank. I have highlighted and sent in this information to the bank and received back our mortgage is required to have XXXX and that's what the Escrow Account is for and we're not entitled to the money back even though the bank did not make timely payments. They also overpaid the PMI by 2 months and have since corrected that problem admitting their mistake.
Problem 2 ) Also in our Escrow Disclosure is the right for us to remove PMI from our mortgage earlier as long as our principal balance must be 75 % or less than the appraised value. We have requested on multiple occasions to have the house appraised again as we bought it at over appraised value and put in {$50000.00} worth of work which should put us over the clause. M & T Bank continues to say we're not eligible for this and " SONYMA does not accept or consider home evaluations such as appraisals when reviewing for mortgage insurance removal. Your PMI will automatically be removed at an XXXX of 80 % or below if a satisfactory pay history is maintained '' even though there is a clause in our mortgage that states differently and XXXX XXXX XXXX XXXX was aware of and willing to do before they sold our mortgage.
Problem 3 ) When making our XXXX current and something to do with taxes I'm still not 100 % clear on M & T Bank cleared out the majority of our Escrow account making it short for XXXX. I understand this can happen and have no problem paying into the Escrow account to ensure our payment does not go up. M & T Bank is insisting we can not pay the full shortage and they must raise our payment. I don't even know how much we're actually short because of the situation where they over took XXXX in problem 1 and they've also attached an additional {$730.00} tax estimate into our account that doesn't exist as we only have 3 tax payments XXXX, XXXX, XXXX.
|
| 02/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
Issue : Electronic Payment from XXXX XXXX XXXX to M & T Bank is not credited by M & T Bank after 10 days.
Description : A payment of {$10000.00} was made from my personal Checking Account with XXXX XXXX XXXX of NJ to my personal Checking Account with M & T Bank. Payment originated from XXXX XXXX XXXX and set as " Electronic payment ''.
Payment Date : XX/XX/2020 Amount : {$10000.00} XXXX XXXX XXXX did originate the payment and did provide written " Proof of Payment Transmission for Payment ID XXXX ''. It clearly states all relevant payment details, including M & T bank Checking Account number where the payment was supposed to be credited, amount, my full name, date and time when payment was transmitted.
This is not first time when this type of payment was made from/to above mentioned accounts and I had no problems before.
After 6 days, I did not see the credit in my checking account at M & T Bank ( accessed through M & T Web account ) Monday XX/XX/2020 I did contact local M & T Bank Branch in XXXX PA. I was advised to call M & T XXXX number.
I spoke to following Customer Service persons : XXXX XXXX XXXX, XXXX and finally connected to XXXX that I was told is a Supervisor.
XXXX did confirm that information provided are correct, other previous identical transactions were processed without problem. The most recent identical transaction was processed on XX/XX/2020 for the amount of {$500.00}.
XXXX mentioned that is unable to provide an explanation as to why the latest transaction of {$10000.00} is not properly processed.
She mentioned that an Investigation will be initiated and she will call me no later then Wednesday XX/XX/2020 with a resolution to my issue.
As of today XX/XX/2020 XXXX I have not heard from XXXX XXXX
I made a call to above mentioned XXXX number and insisted to talk to XXXX. This time XXXX took the call and I was asked numerous questions not only directly related to identify myself and my Account but also questions that I was never asked before by any bank, including M & T bank. Like : Who are you employed with? What country are you citizen of?. To me looks like my accent played a role in triggering additional questions.
When I objected to unnecessary and annoying questions finally was was put on hold and after a while I was told that my issue was not resolved, XXXX goes into a meeting and I will be called by XXXX when the issue will be resolved.
I took the answer as : We will take care of you, the customer, whenever we get to it.
The {$10000.00} was intended to pay a Home Equity line of Credit that I have with M & T Bank.
The M & T bank sits on my monies for 10 days or so, while I am charged interest on my Home Equity Line of Credit. All of this white I wonder what happened to {$10000.00} This doesn't look right to me
|
| 09/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I fell behind on my mortgage last XXXX. I used all of my saving to pay for my fathers funeral arrangements, but I did n't expect that my business would slow down ( I 'm XXXX ). I have been applying for a loan modification since XX/XX/XXXX with M & T Bank. I have applied and been denied 8 times and every time it was something different as to why I got denied. Each underwriter I have dealt with has requested something be done differently, for example, one underwriter wanted me to resubmit all bank statements because each deposit was n't circled when I had applied 4 times before that with no problems, another one said they could n't use my XXXX account as income because it was n't a business account when I was told in the beginning just to deposit money in my accounts and it did n't matter which ones as long as they could track my income ( and again I had applied before with no one having a problem with using both accounts ). I have yet to be given the correct way to apply because it always changes depending on what underwriter is looking at the application. Up untilXX/XX/XXXXof this year, they were including extra items in my expenses ( such as student loans, etc ) that were not supposed to be there ( because they are not due ), which cause me to be denied due to not enough income. I finally spoke with a supervisor who went over all the expenses etc as to why I was denied. She also told me they were taking out 13 % taxes but I was already taking out my own taxes before giving them an amount. So the following times I applied I sent proof of the student loans not being due and that other accounts were paid off. Recently I was denied again, now they are telling me that the tax rate is 25 % and here again I thought I was supposed to subtract my own taxes but that was n't the case. I am really trying to save my home, I have been here 10 years and never missed a payment until last year. I was still making monthly payments until XXXX when they changed investors and would n't allow me to make 1 monthly payment. I refinanced my home in XXXX and have been with M & T since then but it seems as if they do n't really want to help me save my home. All I am asking is for the past due to be put to the back of the mortgage so that I can continue to keep my home. I just recently submitted a new application on yesterday and hope that it was done correctly because again I have been applying for a year with the same information ( other than my income fluctuating ) and been denied for different reasons each time. I have not been given the proper guidelines as to how to apply and here I am almost at foreclosure. Can someone please help this company needs some consistency within their underwriting department but you 're not able to speak with anyone in that department.
|
| 02/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
I am the Treasurer on the Board of a nonprofit called the XXXX XXXX XXXX XXXX XXXX, a small spiritual group headquartered in XXXX, Massachusetts. For many years we banked with XXXX XXXX XXXXXXXX XXXX which was taken over by M & T bank around XXXX XXXX this past XXXX.
In early XXXX we noticed fraudulent activity on our checking account, we went to the bank to report it, closed that account, and opened a new checking account. In total there were 17 fraudulent charges against us. I'm a little unclear about the timing but I believe it was in XXXX we saw two fraudulent withdraws from our new checking account so we closed that and opened a new account. The new, third account had one fraudulent withdrawal 10 days ago but the bank quickly accepted the withdrawal as fraudulent and returned the funds.
Today I received this email from XXXX XXXX, M & T branch manager in XXXX. ( She used to be the manager in XXXX where I used to live ).
" Hi XXXX, I researched all the claims for the three accounts very thoroughly with our customer support team. The three transactions you mentioned below, M & T reached out to the receiving banks and we learned these transactions were processed through XXXX, a payment processing company. XXXX will not honor or review claim disputes that were not initiated within 24 hours of the original charge. You should have received communication from M & T recently regarding the finalization of these claims. I will forward copies to the XXXX XXXX so you may pick up a hard copy, or I can mail them to you. Please advise which works better for you.
Thank you, XXXX '' in a second email from XXXX today she wrote : " I just replied to your previous message regarding the three XXXX XXXX transactions. I also replied to your other message about the two checks drawn from the account ending in XXXX. I would recommend reaching out to these companies directly to see if there is any additional investigation to be done ; they have denied the claims placed through M & T. For XXXX XXXX, try calling XXXX, here is their site - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For the {$1800.00} check XXXX XXXX - Online Banking | Open an Online Bank Account | XXXX ; for the {$4500.00} check XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' We are hoping you can help us recover our funds. The three instances mentioned above are all obviously fraudulent and the bank is not taking any responsibility for allowing these charges to be paid. The bank has strung us along for months, not at all transparent in their process until today they say they can't do anything more and it's on us to get out money back. Can you please help us? What is the bank 's responsibility here? Do we need a lawyer and take them to court? Any help and advice you can give us will be appreciated.
|
| 02/02/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I made a complaint already to the financial consumer complaint in Michigan and in the state of New York where my mortgage account is at. They refuse to take a single payment.. Im stuck paying every 2 months making a double payment because the bank will not work with me or allow a payment to go into my account. I paid a double payment in XX/XX/XXXX and in XX/XX/XXXX I called to schedule a payment on the XX/XX/XXXX. They said I wasnt in default yet and it allowed a single payment. Now XX/XX/XXXX came along and my payment was mark insufficient WHEN THE FUNDS WERE THERE! Come to find out they again blocked my account to accept the one payment. So since then I made a double payment at the end of XX/XX/XXXX since they would reprocess the single payment in XX/XX/XXXX.. XX/XX/XXXX my account was blocked to put a single payment and XX/XX/XXXX I mailed out 2 payments.. well they said I needed to all of a sudden pay all 3 out of 3 in XX/XX/XXXX after just making the double payment in XX/XX/XXXX! This mortgage company has not helped me or even given me proper information to get my account out of default! I dont have any demand letter saying I have to pay 3 out of 3 payments in XXXX! There policy never generated that when they clearly see I have the money to pay them they are trying to take my house from me! Since the state of New York contacted them nothing got resolved! They instead claimed they mailed a letter in XX/XX/XXXX I have to pay all 3 after I was only behind 2 months not even to being with! They started counting the month that Im in even with a schedule payment as a month behind! Mortage company can not charge u the month ur in and currently making a payment for .. if a payment not in by the XX/XX/XXXX the charge u and consider that a month behind! U have up until the XX/XX/XXXX to avoid late fees and technically till the end of the month to pay .. if u dont then its consider a month behind! No one has even attempted to help me! The moment they got the complaint they went against normal procedures ( forced to pay 2 of 3 payment and next month 2 out of 4 payments! ) they clearly know that they are not follow Michigan laws on mortgage companys completely blocking accounts! I cant wire mail or schedule a single payment anymore! They kno I pay bi monthly cause of this issue. They went against normal policy and charged me all 3 in XX/XX/XXXX ( XX/XX/XXXX they claimed the letter went out! ) XX/XX/XXXX a 2 payments processed into the account!
This is my second complaint they now refused to take my 2 month payments for XX/XX/XXXX and XX/XX/XXXX .. and said my hosue Is in foreclosure. Im now taking this matter public because no one has helped me resolve this matter! And this provider shoudk be able to stop them from doing this to home owners
|
| 12/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2018 at XXXX XXXX I received a phone call from a local XXXX area code from a woman claiming to work at M & T bank. She let me know of some suspicious transactions on my checking account, and asked if I had made these purchases. I let her know that I did not and confirmed that I wanted my debit card suspended. At that time she verified my mailing address to have a new card shipped out. I checked my bank account following this and saw 4 separate deductions all around the amount of {$97.00}, three right in a row and one shortly before this. The conversation led me to believe an issue had been identified, but had comfort in thinking this was being handled and resolved.
On XX/XX/2018 I called to inquire on the status of the debit card and fraudulent transactions and was told that the debit card had been sent, but to the wrong address, and that nothing was happening with the charges.The representative was not able to see the initial conversation and didn't seem to know what I was talking about. After several minutes, I was told that I had to come into a branch to request a new card be sent and that I would receive paperwork to dispute the charges within 90 days.I did this shortly after the phone call and was told a new one would be here by Friday. Today in checking my account I saw that another 2 fraudulent withdrawals are pending. As of now, there are 6 charges all ranging around {$90.00}, plus 7 {$2.00} " international fees '' from the " XXXX '' and " XXXX XXXX '' company. This totals XXXX. I've been told that I can have a " credit '' for the amounts taken until the bank is able to resolve the dispute. This was good enough until two additional charges somehow processed. This should not have been possible, so I'm not sure at this point how many mistakes have been made by M & T, but it's clear that they've made numerous.
This entire situation was severely mishandled, if handled at all and I am truly appalled by this. I've been a loyal customer to M & T for years, but now feel that if they can't protect a few hundred dollars in my checking account, they can not ensure the safety of the large sum of money I have with them in savings. This started with M & T going out of their way to notify me of suspicious activity, but has resulted in extreme inconvenience because I now, for some reason, have to manage the entire situation.
All accounts will be closed from M & T ; they have lost a valued customer because of this horrid example of professionalism and protection. We are looking to purchase a home and considered M & T as a potential lender, but now have absolutely no desire to entrust our finances with this entity. I will ensure that everyone I speak with knows the poor quality of data protection and security M & T provides.
|
| 05/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
Dear XXXX XXXX.
I am writing to you in regards to unsatisfactory resolution on the above mentioned disputed item on my M & T Debit Card.
On XXXX XXXX, 2016, I attempted to make a purchase with XXXX. The transaction was declined for insufficient funds ( copy of decline enclosed ). A few days later, when reviewing my account online, I noticed the charge had posted to my account. I immediately contacted your Call Center and filed a dispute against the charge. I was issued a conditional credit while the investigation was conducted. On XXXX XXXX, I received a letter from the Disputes Department asking for supporting documentation, which was provided and immediately returned.
On XXXX XXXX, I received a letter advising the dispute and been reviewing and was placed in the favor of XXXX and the credit was reversed on XXXX XXXX. That same day I contacted your Customer Service Group XXXX to discuss the transaction. I first spoke to a Representative, XXXX and finally had to ask for a Supervisor, XXXX. XXXX advised they would work with XXXX from the " Back Office '' and for me to also contact XXXX, this call lasted for XXXX minutes. Following his instructions, I contacted XXXX at XXXX XXXX ) XXXX and spoke to XXXX, which was a Call Center in a XXXX Country. She indicated an Account Specialist would contact me to resolve my issue. I received, the enclosed form, which had no bearing on the purpose of my contact.
On XXXX XXXX, I once again contacted your Call Center and spoke to XXXX, a Rep and then to XXXX, a Supervisor, and finally to XXXX another Supervisor. XXXX advised me that this case is closed with M & T and that there is nothing that the Bank can do to help me with this issue. As I have indicated to each person I spoke with, I received a decline letter and no merchandise was shipped to or signed for by me at my address. I work for XXXX XXXX, Monday through Friday from XXXX until XXXX and your Disputes Department indicated I signed for this package. I am a single person living in a single family Home. I have asked for that " signature '' to be compared to my Signature Card on file with the Bank, and no one wants to take ownership for this issue. I ca n't absorb this {$1100.00} and subsequent Overdraft Fees that have occurred. I work very hard for my money day in and day out and other transactions, Utilities and Insurance Premiums have been returned and OD Fees charged to me as a result.
I spoke to a friend over the weekend that works for XXXX XXXX XXXX XXXX and she indicated that this could be returned to XXXX as a " Good Faith Collections '' item?!?!
I am looking for your personal interaction to please help resolve this issue and plead for mercy.
I have been charged XXXX indvidual NSF @ {$38.00} for this transaction
|
| 07/20/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have delinquent mortgage that is being serviced by M & T Bank ( " M & T '' ). M & T placed forced insurance on the underlying property. An insurance claim was filed by me and XXXX checks sent to me with certain specific instructions from M & T as to how the insurance funds would be disbursed ( i.e., M & T wanted a proposal from a contractor, a lien waiver from the contractor, a contractor 's license as well as a signature on teh XXXX checks and an endorsement to M & T of the checks ). All documentation M & T requested was forwarded to them with the XXXX endorsed checks ( XXXX check for $ {$990.00} and aonther for approximately {$5900.00} ). Funds were expended by me for the repairs in order to protect the property ( a rof that leaked very badly and thast was causing additional dmage to the subject property ) and reliance on M & T 's representation that a " reimbursement '' would be forthcoming. After the checks were endorsed to M & T ( each check was written to both myself and M & T ) and forwarded to M & T they refused to pay the claim, notwithstanding significant documentation sent from M & T to me indicating that the insurance would be applied toward the claim if certain procedures were followed, which I did follow.
As a second part to M & T acting in bad faith, they separately provide ( not in insurance documentation ) a letter on their letterhead ( not part of the forced insurance ) called an '' Acknowlegment of Term '' and thereafter indicated to me because I signed said document, and that because the insurance was paid by them and the loan was seriously delinquent and/or in foreclosure that " M & T could apply any and all insurance proceeds related to the subject property to the delinquent mortgage, as they saw fit.
I indicated to M & T that I did not sign an " acknowledgment of terms '' upon which they used that fact to deny reimbursement to me for the insurance claim. Thereafter, a manager at M & T ( XXXX XXXX ) was put on the call where I informed him that the phone call, which he was recording, was going to be used for purposes of litigation, as well as several prior calls where M & Tindicated that they " did not have to pay over the endorsed insurance checks under any circumstance '', again, " since the property was in foreclosure ''. I thereafter indicated to M & T that I was filing a complaint with the CFPB and that I was an attorney and was filing a lawsuit against them and that this issue was ripe for a class action. I find it highly likely that M & T is doing that to many borrowers in default and are doing so in contravention to the documentation being sent to the consumer, XXXX various " red herring '' excuses not to pay over the claim but to apply the insurance funds toward the delinquent mortgage.
|
| 02/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
I open a checking account of this M & T Bank at XXXX XXXX XXXX of XXXX but now it been closed. So, i visit other branch in Downtown in XXXX XXXX. Aside from checking, i open a savings account and they also give me a credit card too. Because, i have no time to go to other bank near to me i decided to open a CD year XXXX. When i open my account on this bank they tell you a good product and services they offered like you are Protected for OVERDraft fees if you open other account servjces you have. As we all know we have no time to read the detail terms and condition you signed. IN SHORT the people in the bank will NOT give you the Pros and Cons if your savings become lower to the minimum balance or if you used your checking account without funds evendo you have money in your other account like savings and a credit line they offered to us to save my overdraft, now the {$12.00} overdradft fee became a transaction fee this is what the Agent told me name XXXX I call today XX/XX/XXXX at XXXX XXXX to dispute this {$12.00}.
I issued a check the amount of {$98.00} XX/XX/XXXX but my remaining funds that time is around {$53.00} plus then the M & T bank automatic they charge on my M & Tbank that connected to my all accounts ( checking, savings ) i check my accounts last night and i found out the transfer of the personnel bank to my account using the credit card to cover my short of {$43.00} plus ( XX/XX/XXXX ) transaction and additional {$12.00} ( XX/XX/XXXX ) therefore they charge me the total of {$56.00} plus. Therefore, when i online and find out the charges i immediately pay on this amount and hoping on next day i call the bank to ask for the refund or waive my {$12.00} overdraft fee which is am disappointed that they can not refund this charge! This is the 2nd time they charge me for overdraft and never get the refund because they say i have no savings account at the time year XXXX and the credit card covered my short funds. Although, they said am protected by the overdraft fee if ihave a credit account from their bank. And, now they give me other reason the overdraft fee that they charge because i make a online transactions which is a fee!!!! This bank have many victims because of they terms and condition that not reveal to the consumer. This institution used our money and at the same time LEGALLY FRAUD the consumer of their small print and deceitful Terms and Condition and POLICY of the Corporate scammer bank institution. Am, sorry if i say this, am so upset this charge {$12.00} is already big money, especially i earn $ XXXX hour only just rely on the tip of the customer that i work for.
Hopefully, you give your time and attention to my complaint and hoping they give as consideration being a long time customer.
Thank you.
|
| 11/15/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Dear XXXX, - XX/XX/2016 I made a mobile deposit of a check of the amount of {$1900.00}. ( see attached copy XXXX The check is made to my older brother XXXX and was properly endorsed before it was deposited in my Account at M & T bank.
-XX/XX/2016 funds were made available into my account total {$190000.00} -I then proceeded to write a check for the deposit for my apartment for the amount of {$1100.00} XX/XX/2016 at XXXX am, I received a call from the branch stating that the check was declined.
I went to the branch who then explained to me that the check was presented before the funds were available, the branch then issued me a certified check in the amount of {$110000.00} I was then on my way to the rental office when the bank teller who provided me with the check called and said that I needed to return the certified check and that her XXXX posted a " hold " on my account stating that she needed clarification as to where the check was from and the needed to hear he story about the check.
I called my brother who went with me to the branch, not only did he take his ID, he took the check to show the Branch XXXX : XXXX XXXX XXXX XXXX Vice President Senior Branch XXXX XXXX XXXXXXXXXXXX The Branch XXXX proceeded to embarrass us by speaking rudely " I need to see your ID immediately, I need to hear you say out loud that you wont deposit this check " " you need to sign on a piece of paper so I can see that it 's your signature " She repeatedly kept saying this to my brother who stayed calm and complied ...
XXXX then continued to say that she does not know or ever heard of my brother employer ( diamond resorts international, a multi XXXX dollars publicly traded company btw ). in an effort to make her feel comfortable my brother said that he undertands how regulated her business is and that he himself had worked over a decade on XXXX ad she could google him and see that he is who he is.
XXXX XXXX then said " fine ill release your money on saturday XXXX '' XXXX minutes later around XXXX PM XXXX called me and in her continued extremely rude tone told me that " I just googled your friend, and I dont like what I see here '', and continued to read all kinds of irrelevant private information the she said.
" I am not going to release this money, I 'm going to hold on to it for another week so I can call my XXXX department and you will get it whenever I 'm done with my own investigation '' This is nothing more than XXXX profiling, as a result of this unprofessional woman I ca n't pay any of my bills, I lost my house and all the money I spent in the process and worst is that my money is being held XXXX ..
I need my money back as well as compensation for all the monies I lost in the process a total of {$500.00} sincerely, XXXX
|
| 03/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I tried to open an account online with M & T Bank on approximately XX/XX/2019. After going through the various information input screens the last was funding the account, the account required a {$50.00} initial deposit but I continued to get an error when putting in my information to fund the account both with a debit card or an ACH from another account. I waited the recommended 24 hours before trying to set up the online banking log in so that I could fund the account, I received multiple error messages here and was not allowed to enroll when using my account number and information to set up. The other option to enroll in online banking per the website was to enter your debit card number, I waited approximately a week to 10 days before receiving the debit card. I went online at that time to enroll in online banking and fund the account, again error messages and was not allowed to set up. The bank sent me a letter a few weeks after opening requesting that I mail them a copy of my social security card and proof of my residence with a bill in order to finalize opening my account and allow enrollment in online banking. I am absolutely not going to mail a copy of my social security number. I ignored the letter and gave up on attempting to fund or open this account, I started an account with XXXX XXXX XXXX instead. On XX/XX/XXXX I received a letter from M & T Bank showing my account balance as - {$14.00}. They were charging a monthly maintenance fee for the account I attempted to open and could never fund. I called customer service on XX/XX/2019 and spoke to the representative telling him the fact pattern above and requesting that he close the account, he responded that because it was an online account he couldn't close this out until I paid {$14.00} to bring the account to {$0.00} and then paid a {$50.00} early termination fee. I requested to speak with his manager. When I told the manager about the sequence of events above she said that because I had not mailed my social security card and proof of address they had not finalized opening my account, that is why I wasn't able to fund it or set up online banking. I asked her to close the account, she said she could not close the account because it had a negative balance of - {$14.00} which was the monthly maintenance fee and that there was an early termination fee as well of {$50.00}. I told her that I never funded the account, because they would not let me, I never spent a dollar or even activated the debit card, she said I would have to write a letter to her back office in order to close the account and that I would need to pay {$64.00}. To which I told her I will not be paying and I will be filing a complaint with the CFPB, she said go ahead, and so here I am.
|
| 08/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
On XX/XX/XXXX, XXXX unauthorized deposits were made by XXXX in the amounts of {$0.00}, {$0.00}, {$0.00} and {$0.00} from my personal checking account with M & T bank. On XX/XX/XXXX, XXXX unauthorized withdrawals were made by XXXX in the amount of {$1000.00} totaling {$6000.00}. On XX/XX/XXXX unauthorized withdrawals were made by XXXX in the amount of {$1000.00} totaling {$10000.00}. At no time did M & T contact me or freeze the checking account for potential fraud. On XX/XX/XXXX when I withdrew money at an ATM from my checking account I immediately discovered the low balance. I immediately went to the local M & T branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and spoke with XXXX XXXX XXXX, Branch Manager who informed me the {$16000.00} had been stolen from my account. She instructed me to complete XXXX separate dispute confirmation summaries. This resulted in 2 case numbers, XXXX and XXXX which she faxed to the M & T fraud department. She said it could take 30-90 days to investigate the matter and return the {$16000.00} to my account. She froze the account so no withdrawals could be made other than existing outstanding checks or debits without contacting me for permission. She stated M & T does not know my spending habits or provide automatic alerts as that is my responsibility to set up using online banking or an app. I am XXXX and do not use online banking or apps at all. I opened the account in XXXX when they did not have apps or alerts. I also have never engaged in crypto currency or withdrawn such large amounts repeatedly on the same day. XXXX XXXX said the fraud occurred because someone had one of my checks and transactions were cleared by an account clearing house by M & T bank in XXXXXXXX XXXX. She said there had been other fraudulent transactions of this same nature dealing with XXXX and that I should consider myself lucky as another M & T customer earlier had lost {$25000.00}. I do not feel lucky. I also contacted M & T at XXXX several times ( XX/XX/XXXX, XXXX, XXXX, XXXX ) and asked to speak with someone in the fraud department. I was told multiple times I can not speak to anyone directly in that department instead only that employee could communicate with that department and that person would make notes that would be sent to the fraud department. I was told due to the amounts, there had to be XXXX case numbers instead of 1 case number for the same person ( me ), same account ( M & T Checking ) and same fraud ( coinbase, {$1000.00} withdrawals ). I am retired law enforcement XXXX XXXX XXXX XXXX and depend on automatic retirement, pension and social security deposits. {$16000.00} was stolen within 2 days and I was told an investigation had to occur that would be 30-90 days.
|
| 05/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have multiple checking accounts with M & T bank and have had accounts there since I first opened an account with a local bank as a child. The bank was bought several times and has been M & T for many years at this point. I am aware that they have an excessive fee structure, so I take painstaking steps to avoid any kind of possible fees including keeping the bulk of my funds in credit unions and online accounts such as XXXX XXXX in order to avoid their extensive ATM fees and lousy savings account interest rates. I have even opened up lines of credit for almost every checking account I have with them in order to avoid overdraft fees. I basically only deposit enough money in my M & T account to pay my monthly bills via web bill pay and checks. Their web bill pay is the only financial service of value to me. Their rates and service for loans, credit cards, etc are so poor that I never even consider them when shopping for other financial products such as a vehicle loan.
This week I happened to overdraft my account by {$1.00}. Fortunately I have a line of credit attached to the account so they did me a huge favor of transferring {$1.00} from that line instead of charging me the typical $ XXXX dollars for an overdraft. I watch my accounts constantly via XXXX so, seeing the transfer, I logged on the following day and transferred some money from XXXX of my other accounts ( I had over {$1000.00} on deposit with the institution at the time ) and then transferred the {$1.00} back to the line. For the service of providing me the {$1.00} for less than XXXX hrs, they decided to charge me {$12.00}. I work next to an M & T and have a great relationship with the manager, but as I 've learned from previous experience, the branches have no control over fees associated with the automated system, so I figured I would just call their customer service line and discuss this with someone there since they have effectively removed customer service from the branches. I discussed the situation with the customer service person who also had no ability to do anything at all. I understand the policy, I know what the fee is, and honestly I would care less about paying {$12.00} if they had to advance even {$50.00} on my behalf. But to have no money at all of their own at risk and to charge 833 % percent does not seem at all reasonable. I know it is within their rights per the agreement of use or whatever miscellaneous fine print I had to agree to in order to use web banking, overdraft lines of credit etc, but this is extremely usurious and many of their clients do n't have the means to absorb these kinds of fees routinely. If I could find an institution with equal web banking capabilities, I would close all of my accounts tomorrow.
|
| 12/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a checking account on XX/XX/2020 with a balance of $ XXXX at the M & T Bank located at XXXX XXXX XXXX XXXX XXXX XXXX , VA . When opening the account, I asked that the bank rep, XXXX order me an expedited debit card. She said she would. I went to the branch on the following Saturday, XX/XX/2020, to send a bank wire, and the branch manager flat out refused me this service, because she said my funds needed to be investigated because she did not believe I had conducted business as I told her, in order to receive the wired funds. She told me flat out that the whole thing was suspicious to her, and that she was going to place a hold on my account until further notice. I was insulted and left. I called the branch when I returned home, and the manager, XXXX told me that XXXX was not available for phone calls and could she help me with something. The branch closed at XXXX and I called the branch and spoke again with XXXX. XXXX had me on speaker phone, and I am certain that both she and XXXX were listening to what I had to say. I asked XXXX if my account being placed on hold was due to the branch managers personal discretion, or whether it was the banks security policy. She assured me it was the banks security and back office that had placed my account in a frozen state.
XXXX called me on Monday, the XXXX of XXXX, to tell me that she had not yet received word about the investigation that was going on and that she was trying her best to expedite the process. I asked her at this time to verify that she had in fact ordered an expedited debit card for this account. She assured me she had.
I called M & Ts customer service XXXX number today, XX/XX/2020, and asked the rep to verify that an expedited debit card had been ordered for my new account. The rep assured me that it had NOT been ordered, that it had been ordered regular delivery. The rep then phoned the branch and reported back to me that XXXX told him ( the rep ) that either she or XXXX would call me by Monday to let me know the results of their research.
I know there are laws about unreasonable holds on consumers deposits, but I feel it is now time to file a complaint because not only did XXXX lie to me twice about ordering my debit card expedited, but this leads me to believe that she could be lying about other things as well, associated with my account opening. Furthermore, my M & T online banking shows an available balance of $ XXXX.
Please get to the bottom of this. I felt personally insulted by the branch manager and XXXX lies, and wonder whether this is common practice in the banking industry to treat customers this way. Thank you.
I might just address this matter with the media if I am not satisfied with the outcome.
|
| 10/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am a victim of both Hurricanes Laura and Delta. In addition to living 3 weeks in 115 degree heat on generators to run the AC to dry out water-damaged sheetrock & tarping a house with buckets in the attic to catch rain, we had to file complaints with the LA Insurance Commissioner to get our insurance to pay on the loss. In the meantime, my husband lost his job & I lost my office & we got denied for an SBA loan that mightve helped me keep my business open. We paid for a roof on a credit card that we didnt have to save our house while we waited for a claim to settle. When that finally happened, we learned from our mortgager, M & T Bank, that they were going to keep our insurance funds pending repairs. Which is understandable. But ... they said they will pay us when the work is 100 % complete. It did not matter that we are already {$12000.00} in debt for a roof. We are not to receive funds until ALL repairs are made - 100 % of all items listed on the adjustors report. I asked how they can expect us to make repairs with money we dont have when the insurance released money but they refuse to release it to actually make repairs. XXXX said its just M & Ts policy. I was shamed for taking so long to get the checks & paperwork to them until I informed them about having to file Ins Commissioner complaints to get results & that when we got it, M & T got it. We have no jobs, little income, are on deferred morrgage payments for financial hardship from Covid & Laura & Delta. Despite all of this, M & T is refusing to pay out necessary funds to repair our home. We did our part despite hardship to salvage our house & minimize additional damage as best we could, insurance did their part by paying out for repairs, but it has all come to a grinding halt with M & T. We literally can not afford to pay out of pocket for repairs. And they know this because our payments are deferred. How is this legal? How can they do this to people? How can they get away with kicking us while we are down on the ground after these 2 natural disasters? How can they expect us to repair & protect our investment ( & theirs ) if they withhold the very funds we desperately need to do that? We need what little credit we have on our cards to live on. We can not afford to tie them up on repairs while we wait for inspectors to call to set up appts to report back to M & T to maybe or maybe not write us a check to waiting for that check from our sluggishly slow postal service that is recovering like the rest of us to depositing it in our bank to FINALLY being able to use it. Its just impossible. Please help us. All of us here in SWLA from the M & Ts out there. What options do we have? Please tell me what we can do. Please
|
| 02/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was in active review for a loan modification since XXXX/XXXX/XXXX ( see attached, email receipt from M & T Bank acknowledging a packet has been received ). I had complied with all of the document requests ( see email chain between my counselor XXXX XXXX and M & T Bank, XXXX XXXX was sending the documents through the portal on my behalf ). As you can see, M & T failed many times to respond to XXXX requests for updates on my loan, and when she tried physically calling to M & T bank since she was n't getting written responses, M & T Bank told her they did not have authorization on file, when it was faxed to them once on XXXX/XXXX/XXXX and again it was sent with the packet submitted through Hope Loan Portal on XXXX/XXXX/XXXX. There were so many delays on M & T Bank 's part that XXXX XXXX had to get a 3rd party involved to try to force M & T Bank to respond ( those emails are also attached ).
XXXX XXXX had to refax the authorization form twice in XXXX XXXX after trying, but failing to get an update on my file. She refaxed the authorization form to M & T on XXXX/XXXX/XXXX, and they said they did n't get it, which caused another delay. She then tried emailing again though Hope Loan Portal to no avail ; then refaxed it on XXXX in desperation. M & T finally received that one ( I have an acknowledgement letter attached ) and then told XXXX XXXX the house had already sold at foreclosure auction on XXXX/XXXX/XXXX.
My house sold because I did not have a copy of my pension award letter ( you can see that was the last thing they wanted ) - I could not get it that fast because the award letter had to be mailed, my pension benefits department would not fax it to me. M & T did nothing to help stall my foreclosure sale date even though they were only waiting for ONE document, and they had plenty of time to try to stall the foreclosure to help me get my documents to them. They also caused numerous delays, as you can see, by not responding to update requests in any sort of timely manner. My house would not be sold if they were doing their job in helping me delaying the foreclosure by a few days to allow me to get a copy of my award letter. I complied with all of their requests and unfortunaltely I could n't make my pension benefits department " hurry up ''. Even though they did n't have the actual award letter, I did send them the pension statements I get in the mail each month and the amount clearly does not change ; also my bank statements I sent to them every month show the same pension deposits every month - unchanging. Despite all of this, M & T kept moving forward with foreclosure because I did n't have the ACTUAL award letter even though they see it stays the same every month.
|
| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
- 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.
|
| 08/30/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
Re : Second Complaint Against M & T Bank - Loan Number # XXXX Previous CFPB Case # XXXX To whom it may concern : The original complaint against M & T was submitted in XXXX, This is the second complaint with the new information. Until last week, XX/XX/XXXX-XX/XX/XXXX, though I had called on numerous occasions, After checking records on my cell phone and work phone, I received no phone calls from M & T bank on either regarding my submission of substantial new information. Each call resulted in speaking with a different person who didnt have the file. Its amazing that they would not be willing to work with a customer who, up until this point, had paid timely and more than required. The scenario below outlines what has occurred.
1. To my original request for a modification, M & T responded that I couldnt afford the modification, though the reason for a modification is to help the homeowner afford to stay in their home. Because of medical bills, which are still ongoing, there is a necessity.
2. As they requested, I sent additional information to show a reduction in expenses which shows a change in financial position. No response on the updated information.
3. The attached letters state that they are willing to work with me on loss mitigation options ; however, when I call the Homeowners Assistance Center ( HAC ) they say they are not. A {$650.00} reduction in expenses is substantially new information.
a. # 2 - XX/XX/XXXX letter. M & T states they are unable to honor the modification appeal because they didnt receive new or additional information.
b. # 3 - XX/XX/XXXXupdated expenses. I sent an updated financial report to them on XX/XX/XXXX. The original report is included ( attachment # 1 ) c. # 4 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options.
d. # 5 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options.
e. # 6 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options, and that I should call the HAC to inquire.
f. XX/XX/XXXX, I spoke to XXXX in the HAC who said she was sending a new package for me to complete. However, the management in that area disapproved the request.
Though M & T has stated that they are willing to work with me on loss mitigation options, their actions are just the opposite. Even after sending different financial data as requested, they didnt send another package as promised. None of the letters speak to the new information sent. When I call they are unwilling to work out options and say something totally different than what is sent with their letters.
|
| 01/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I cosigned for an auto loan with M & T Bank with my brother XXXX XXXX. After he got his statement in the mail, he called in to set up auto bill pay. After that, they did not send any confirmation about scheduled payments so we thought we were all set. A few weeks later, I got a call that the account was past due. My brother called in to make a payment over the phone, they told him the auto payment was having issues because of XXXX. So, my brother made a payment using Routing/Acct # over the phone. He then called XXXX and they said there were no issues on their end as far as auto bill pay goes. Then, weeks later, I got a notice from XXXX XXXX that my score went down due to a late payment on the account. At this point, no payment had posted. The customer service told us the autopay had failed and the phone payment failed and told us to contact XXXX again. They claimed the issue was not on their end. At this point, both myself and my brother had our credit scores drop substantially. That Monday, my brother made a cash payment of {$1000.00} at the branch. A month later, for the next payment, he called in and tried making a phone payment with Account and Routing # 's and once again it did not post. According to the statement from M & T mailed to us, the payments posted but then there was something called a " Payment Reversal. '' I went online to try to pay the bill that way. I created an online portal for M & T and then when I tried to pay the bill, it told me I needed a M & T Bank checking account in order to do online bill pay. I went ahead and created one, but then my only option for transferring funds to it was to make a deposit at a branch or do a debit card deposit which had a limit of {$250.00}. There was no way to transfer funds from one account to the other. This means, my only option would be to deposit a check or cash in person at the branch. In essence, M & T Bank forces you to open a whole new checking account with them to make payments. I looked online and on Consumer Affairs there are many people with the same story as me. M & T Bank purposefully makes it nearly impossible to make payments unless you have a Checking account with them. Even if you do have one, you can only add funds through a branch deposit or debit card with a {$250.00} limit. I strongly believe M & T Bank lied to us about the payments not going through and it was done on purpose to force us into opening another account with them. This led us to ultimately refinancing, however my credit score is now in the low 600 's so I had to have someone else cosign for my brother. M & T Bank did not process our payments correctly numerous times, and now my brother and I have bad credit.
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| 11/11/2019 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, the mortgage company informed me that my mortgage was in foreclosure status and I had to pay the full past due amount of {$9500.00} via XXXX XXXX to keep my account from being assigned an attorney. On XX/XX/XXXX, I paid {$9500.00} via XXXX XXXX. The payments were broken down into three payments {$4000.00} - {$1500.00} - {$4000.00}. I had to break them up because XXXX XXXX will only allow you to send a specific amount at one time. All of the payments were sent on the same day. I called the mortgage company from XXXX XXXX and provided them with the tracking numbers. This should have made my mortgage current with my next payment due in XX/XX/XXXX.
I called the mortgage company about a week and a half later because I did not see my account updated in full ( missing {$4000.00} ). The mortgage company stated they needed to do research on the payment in order to locate it. I have called almost every other week looking for a resolution. The mortgage company has told me on at least three occasions that they were going to initiate a new research on the payment. On XX/XX/XXXX, I inquired as to why it's taking so long to update my account. On XX/XX/XXXX, the mortgage company stated they were waiting for me to send in receipts. However, no one ever asked me for receipts. I then hung up the telephone with the bank and immediately faxed all of the receipts. I followed up with a telephone call the next week to inquire about the status. I was told they received the receipts but again that they needed to research it. On XX/XX/XXXX, I was informed that the research was completed but the money was not located. I then questioned the whereabouts of my {$4000.00}. I was told they were going to research the payment again. On XX/XX/XXXX, I was informed that my {$4000.00} was sent back to XXXX XXXX on XX/XX/XXXX and my account is still behind. XXXX XXXX informed me that the {$4000.00} check they sent to the mortgage company was cashed and they do not have a record of the monies being returned.
Concerns : Only two of the three payments were posted in XX/XX/XXXX although all three payments were made together.
The mortgage company cashed the check with the missing {$4000.00} Why would the mortgage company send the money back on XX/XX/XXXX instead of posting it to my account Why would the mortgage company continue to say they couldn't locate the funds when in fact they cashed the check.
How can they send my mortgage back into foreclosure status when I paid the money as agreed.
This is still unresolved almost four months later, my {$4000.00} is missing and they have stopped applying payments to my mortgage.
I'm concerned about sending them more money.
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| 05/04/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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XX/XX/2020 my spouse opened an M & T account. The M & T banking representative, Ms. XXXX XXXX XXXX, located on XXXX XXXX in XXXX XXXX, MD, had him to call me at home and ask me for my social security number to add me as a beneficiary to his account. I asked her for the documentation listing me as beneficiary, but she said the documents were not needed, that she was just going to put my social security number in the system ; but that a statement would be mailed out. The bank statement which was mailed listed me as XXXX. I never authorized the bank representative to do anything other than what we had spoken about over the phone when I gave her my social security number, and was not aware at the time that she wrongly collected my social security number and connected me to my spouses account as an owner.
That same month, XX/XX/2020, strangely my direct deposit of {$500.00} that was part of my by-weekly pay that should have been deposited with XXXX XXXX XXXX was deposited into my spouse 's M & T Bank account ; an account I don't own. What the M & T representative did was collected my social security number wrongly and told me she was setting me up as beneficiary, when in fact she used my social security number and named me as an owner of a bank account at M & T bank using my spouses account without my permission, authorization, nor signature on file with the bank, nor was I physically present ; and she hid what she did by mailing a statement showing I was XXXX on his account. Yet, this created a fraud alert.
Money can not be deposited into a bank account you don't own. Therefore, the bank representative set me up for fraudulent activity on an account I do not own at a banking institution by adding my social security number in the system, and making me an owner, yet with no signature cards with the bank that would amount to fraud. And with no documents with the bank showing that the direct deposit was proper, which it was not, it would be counted as fraud. However, M & Ts own bank representative committed the fraud by wrongly using my social security number.
I believe this has resulted in a fraud flag because my bank, XXXX XXXX XXXX has blocked me from using my ATM Card. I am unable to make purchases, deposits, nor withdrawals from the ATM. Also, XXXX XXXX representatives are not consistent in their explanation as to the reason why my ATM card is blocked. XXXX XXXX XXXX representatives are also violating banking laws by not providing proper information to a bank consumer regarding their bank account. Therefore, because of the way Im being treated, I suspect they have been alerted to some sort of fraud I have not committed.
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| 04/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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Ive been a comprehensive business customer for 8 years for M & T Banks. On Thursday XX/XX/XXXX our {$500000.00} business line of credit was frozen without advance notice. The businessI received no disclosure. It was converted to a termed loan whose terms have not been shared, despite multiple requests for information ( requested XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Including today ( XX/XX/XXXX ). The first payment is due XX/XX/XXXX. Worst, all of this is due to an internal diligence mistake by which our relationship managers shared inaccurate XXXX performance data.
M & Ts decision to convert my LOC and freeze access without notice to me had immediate consequences for my business. The lack of disclosure is especially concerning. Vendor invoices and employee healthcare premiums were linked to this account, and charges for both which were posted on XX/XX/XXXX did not clear.
Pertinent information : XXXX. This business has never missed a payment of any kind - loan, LOC or otherwise- with M & T Bank.
XXXX. The lack of disclosure or any formal communication has been called a perfect storm by M & T bankers in both a call and email called our lack of communication a " perfect storm '' both attached.
XXXX. M & T Bank never requested updated XXXX financials prior to freezing the LOC.
XXXX. M & T Bank cited XXXX years in losses for the freeze ( see attached conversation ). XXXX the business was profitable, {$300000.00} cash positive. XXXX is the only year showing a loss due to capital expenses.
XXXX. Health of the business : XXXX. Positive balance sheet of {$200.00}, XXXX XXXX. XXXX in Q1 revenue - comparable to XXXX, XXXX and outperforms XXXX- which net {$300000.00} in income. 93 % of which ( historically ) comes in Q4.
XXXX. Email to CEO ( XX/XX/XXXX ) and head of XXXX explaining major issue.
Attached please find : XXXX. Initial emails and texts the day of to M & T. General distress outreach. Zero context in M & T responses. Attachments : XX/XX/XXXX comms, day of comms, day of comms XXXX, M & T Text - bank XXXX.
XXXX. Questions with no response sent XX/XX/XXXX. attachment XXXX questions.
XXXX. Rejected charges communicated to M & T Bank. Attachment : XXXX email rejected charges XXXX. XX/XX/XXXX First conversation with bank, 4 days after actually freezing LOC. Attachment is too large but conversation is recorded.
XXXX. XX/XX/XXXX questions sent to bankers and banker asking for our patience and calling our communications a " perfect storrm '' attachment : muscato email m and t bank, XXXX XXXX. XX/XX/XXXX email sent to CEO. Attachment : CEO Email This is still without a resolution.
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| 10/03/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I signed paperwork from XXXX XXXX at m & t bank about changing my portfolio to lower my interest rate on XX/XX/2020. I signed everything that I was supposed to as I read about lower interest rates and was told a refinance wouldn't make sense as I didn't have anything to put with it but a change of portfolio would be better. The paperwork I signed had the effective date of XX/XX/2020 I have contacted the bank multiple times about being overcharged they stole money from me, as I have automatic payments for my mortgage coming out bi-weekly. They then sent me another set of paper work contradicting the previous paper work I signed having a higher interest rate and payment amount with effective date of XX/XX/2020 I contacted the bank and have been getting the run around. I have never missed a payment or been late in the XXXX I've had a mortgage I'm actually 4yrs ahead on my XXXX mortgage. XXXX XXXX threw her hands in the air when I called and complained about still being overcharged saying not her problem it's the mortgage department 's problem. In the meantime I've been overcharged twice and will probably be overcharged again on XX/XX/2020 I have spent hours on the phone with them, emailing them, and even going to the bank wasting my time, gas, money. Now they are saying if they are wrong there going to apply the extra money they stole from me and apply it to the principal of that loan like it's their money to decide how to spend it? I never gave them permission to take more then the actual payment and because they decided to steal from me it cost me some interest aswell on that account. I have all the paperwork and proof of this, I even took the contradicting paperwork to the branch and I spoke with XXXX who said she doesn't understand why they would do that and would look into what XXXX XXXX is doing. I'm still being overcharged which is illegal per cfpb and, fdcpa which I informed them I have to know these laws for my job aswell as others. I have been made to feel like I'm making this up and it never happened when I have the proof. I've been made to feel like I'm lying, and it's ok for the bank to steal from me. I put my money in the bank to keep it safe and the company that's supposed to protect my money is stealing. They only have wanted to argue with me when I call and speak with the mortgage department, the only people that have been helpful is XXXX and XXXX at the m & t branch in arcade who have said this isn't right and they have to get it up to higher people to fix this. However when the higher up people have contacted me via phone they say they haven't done anything wrong and are doing nothing to fix the problem.
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| 12/27/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American |
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Chain of Events : First, I must state that I never, ever, use my M & T XXXX XXXX for purchases or payments. I occasionally withdraw cash from an ATM but it is not frequent.
On XX/XX/2016, I discovered that an unauthorized, fraudulent debit - XXXX Online Phone Payment in the amount of {$150.00} - had been applied to my M & T Checking Account on XX/XX/2016. I immediately contacted M & T and was told to come in and file an affidavit. The affidavit was filed on XX/XX/2016. I requested future debits from XXXX XXXX be blocked but was told they could not block an individual debit, only freeze the entire account from all future debits. Since I had legitimate, automatic debits linked to the account ( XXXX and XXXX Prescription Plan ) I was advised to leave it open until I could stop these debits, a process I began immediately.
On XX/XX/2016, M & T reimbursed me for the fraudulent debit on XX/XX/2016, {$150.00}. I received a letter stating, " Our research has concluded that the transaction was unauthorized or processed incorrectly. Your account was credited {$150.00} on XX/XX/2016 for the disputed transactions. '' I stopped all direct debits but, before I could notify M & T to place a debit freeze on the entire account, another unauthorized, fraudulent debit was made to my M & T XXXX Account for the same amount and via the same method - XXXX Online Phone Payment in the amount of {$150.00} - on XX/XX/2016. I called the bank and they issued another affidavit and placed a debit freeze on the checking account.
On XX/XX/2016 I received a letter from M & T stating, " We have completed a thorough review of your account and nothing in our records indicates that the transaction ( XXXX ) was unauthorized or processed improperly. As a result, no funds will be credited to your account as a result of this claim and the claim is now closed. '' With the letter was a " Written Statement of Unauthorized Debit '' form to submit to M & T for consideration under the Automated Clearing House ( ACH ) rules. I also requested, in writing, copies of the documents relied upon in connection with this investigation, which were available upon request.
I do not understand how XXXX debit was considered fraudulent but the second XXXX, XXXX months later, was not. I did not authorize these debits and I feel M & T should have done more to prevent this from happening. There is a debit freeze on the checking as well as a savings account that I have at M & T, since I do not know the source of the fraud and do not feel protected by the bank.
I leave this in your hands and will abide by the decision made after investigating the issue.
Best Regards, XXXX
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| 09/15/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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XX/XX/XXXX/2015XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXTo whom it may concern : On Sunday XXXX XXXX 2015 I went to the M & T branch located on XXXX XXXX XXXX, XXXX, XXXX XXXX at about XXXX and made a {$400.00} cash deposit and {$40.00} withdrawal at the ATM at that location. I checked my account on Monday XXXX/XXXX/2015 as I routinely do to see which bills cleared only to see all of my money was withdrawn out of my account. I went to the M & T branch located on XXXX XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX about the fraudulent activities. She told me she was going to cancel my card and I needed to come back on Tuesday XXXX/XXXX/2015 when all the charges was cleared for her to file a claim on my behalf and that i was going to receive a refund within 24 to 48 hours. As of Tuesday XXXX/XXXX/2015 I have n't received a new card or a refund for the fraudulent charges on my account. I called XXXX and inform her on XXXX/XXXX/2015 that I have n't receive a refund and was told the bank is going over the videos and that I was going to be contact via a letter. I am very disappointed in the way my case is being handled M & T does n't not value or protect their customers from scams such as what I have encountered. I called and spoke to XXXX ID # XXXX over the phone on Tuesday only to be inform that a refund of this sort takes 10 business days and that M & T has sent a letter requesting more information I do n't have any other information to provide ; I 'm looking for M & T Bank to give me more information as to why it was so easy for someone to access my account and withdraw all of my money no one knows my pin number and the card was in with me how can someone be able to access my account ; I need M & T to tell me why all of their members do n't have a more secure and protected ATM cards. I 'm sure I 'm not the first customer to experience this kind of situation my question is why do we the customer have to suffer and wait two week for M & T to investigate fraudulent activities because they did n't not send all of there member a secure card with a chip when they are well aware of how advanced these scammer are. XXXX/XXXX/2015 I reach out to M & T again about my refund only to be told it was denied I have since reopened the case because they have to refund me all of my money and overdraft charges what is my next step do I need to file a court case against M & T bank to get my money back I need help. I 'm going to make sure to tell all my family and friends and anyone I come across to never bank with M & T bank they do n't value there customers and our money is not protected.
XXXX XXXXRespectfullyXXXX XXXX
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| 03/23/2020 |
Yes |
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- Trouble during payment process
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Web |
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My family and I are going through a difficult and stressful situation made even more stressful by my new mortgage holder, M & T Bank. Just before XXXX last year we discovered that our dishwasher was leaking for quite some time. It was to the extent that our kitchen and adjacent bathroom floor were damaged, and mold had started to grow. The workman who discovered the leak advised us to contact our insurance company. The insurance company sent in teams to block off the kitchen area, remove the counters, flooring, and to conduct mold abatement. When this was completed and the tests came back negative, the insurance company recommended a contractor, XXXX XXXX XXXX, to reconstruct the kitchen and bathroom. We signed a proposal with them and they were scheduled to start after the XXXX holidays.
On the day the contractor started work, I paid {$2500.00} towards the half of the {$31000.00} we agreed to pay them at the start. The remainder will be paid when the work is completed. Around that time we received a check from the insurance company for {$24000.00} made out to myself, my wife XXXX, and M & T Bank.
XXXX took the check to the M & T branch in XXXX XXXX to get it endorsed. They refused and instead gave her a number to call. They also advised her to get a home equity loan. XXXX called the number and was given an address and information to mail the check along with several documents. She complied, endorsed the check, and posted it with the documents. This was over five weeks ago. During this time, we received at least five calls from the bank requesting all manner of seemingly unrelated additional documents : some documents we already sent to them, some documents we don't possess, and some documents that are completely unknown to us.
We sent the check to be endorsed and returned so that we can pay the contractors for their work. Instead, M & T Bank cashed the check and is now holding on to the funds. As a result, work has stopped on the repairs and my family and I are without the use of a kitchen and a bathroom, 162 days and counting. We are unable to even accommodate our son with XXXX at home because of this situation. Given the current state of affairs and the restrictions brought about by the coronavirus outbreak, there is no telling when our hardship will be resolved. All this difficulty my family is facing could have been avoided if the bank had done the right thing in the first place.
To make matters worse, the insurance company refuses to compensate us for the continued inconvenience, even though it is a coverage included in our policy.
We would greatly appreciate any help or advice you can provide.
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| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
Servicemember |
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I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese inaccuracies have unfairly impacted my creditworthiness.
Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties.
I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA.
Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation.
I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA.
Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX.
Thank you for your immediate attention to this matter.
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| 09/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2023 I received a text message from an unknown number claiming to be my boss, XXXX XXXX. My boss travels a lot and I would not find it uncommon if she had a different number. I was asked to do a favor which involved purchasing XXXX gift cards, and then taking a picture of the gift card and sending it via text to the phone number. The number is XXXX. I first went to the XXXX located in XXXX Massachusetts where I purchased XXXX XXXX gift cards worth {$250.00}. I used my debit card for the purchase. I was asked to send a picture of the card via text and was told that these gift cards were being used for clients. I was told to save the receipts and that I would be reimbursed. I was then asked to purchase XXXX more XXXX gift cards worth {$250.00}. At this time the person on the text told me when they got off the conference call they had great news for me. I was then sent to XXXX to purchase more gift cards. I once again purchased two more XXXX Gift Cards that were worth {$250.00} each. When I went to purchase two more the associate at XXXX proceeded to ask me if I knew who these were going to. I answered that it was my boss that was texting me and that is when she asked if I recognized the number as there have been lots of people getting scammed lately. At this time I realized that could be happening to me. I texted the number back to say that my card was denied. ( which it was not. ) the person on the other line, then asked if I could go to an ATM and get cash. I asked for the person to call me and they stated they could not because they were on a conference call. I then asked for them to text me from the cell phone number that I knew was my boss XXXX XXXX. At this time the person stated they did not have the phone with them. They proceeded to keep asking me if I got more money and that the clients were waiting on me. I blocked the phone number and went to the police station to report the incident. I then called M and T bank to report what happened. My debit card was canceled that night .on Monday XX/XX/2023 my husband dropped off the police report to our local M and T branch in XXXX Massachusetts XXXX We asked for it to be faxed to the investigating team. I called on Tuesday the XXXX XXXX to confirm it had been faxed, which they stated it was. When I checked with the bank on Friday via email, I was told that they denied my dispute and never received the police report. I called the bank to request an appeal on Saturday, XX/XX/XXXX. I also reported the scam to XXXX and gave them the gift card numbers on Monday, XX/XX/2023 but they stated that the gift cards had already been redeemed.
|
| 07/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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Vehicle Loan ComplaintOn the XX/XX/XXXX, I made a payment on my loan in the sum of {$340.00}. Then from XX/XX/XXXX to XX/XX/XXXX I made subsequent monthly payments of {$350.00} without any trouble ( or so I thought ) until I got a letter from M & T bank stating that " As of the date of this letter, we have not received the payment on your account. '' That I owed the bank {$280.00}. The bank has also charged me a late fee of {$14.00}.
I could not believe what I was reading. I always make sure I pay my car note before the due date and I always make payments at the branch so what was the matter?
I went to the bank and demanded to know what was going on only to be told by the bank officials that the check I issued for my XXXX payment for {$340.00} went missing and could not be traced since XX/XX/XXXX and therefore I should issue a check for {$280.00} to make up for the amount of the missing check.
My question is, assuming that the check went missing since XX/XX/XXXX why wait till XX/XX/XXXX. Why is the bank telling now? If the bank had made me aware as soon as they realized the check was missing in XX/XX/XXXX, I could have issued a replacement check in XX/XX/XXXX for the payment. The bank for some reason decided not to inform me until now.
My next question is, why is the bank demanding that I make both my current payment and the payment for the missing check by XX/XX/XXXX or else ....? I think that for the bank to demand that I pay a total sum of {$640.00} by XX/XX/XXXX without any negotiations is very harsh and unfair.
My other question is if really I have fallen behind in making monthly payments, why is the bank asking for {$280.00} and not {$340.00} which is the regular monthly amount?
Again why is the bank charging me a late fee?
A few days later I received my regular monthly statement. My account transaction activity showed that on XX/XX/XXXX all the payments I had made from XX/XX/XXXX to XX/XX/XXXX were described as payment reversals. Then the same statement shows that payments were applied to my account from XX/XX/XXXX till XX/XX/XXXX.
I also called the bank on XXXX and talked to XXXX different representatives who did not seem to understand my complaints.
Since this matter is not entirely my fault, I think that in all fairness, the bank needs to agree for me to pay off the said {$280.00} in instalment. I can pay an extra {$30.00} monthly to bring the account current. I hope this matter is investigated and settled amicable.
Your prompt attention to this matter will be greatly appreciated. Please find enclosed copies of the said letter and monthly statement account.
Thank you
|
| 07/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
Older American |
|
This is to report a false advertisement and a mail fraud thru U.S. Postal Service, violations committed by M & t bank.
Attachments are an offer to me at my address thru U.S. Postal Services. ( Page 2 ) Get a {$300.00} bonus cash bonus. See page 5 for details.
Open a XXXX XXXX account at M & T branch by XX/XX/2019.
Maintain an average monthly balance of at least {$10000.00} for the calendar month of XX/XX/2019 and XX/XX/2019.
Your {$300.00} cash bonus will be credited by XX/XX/2019.
On XX/XX/2019, Mr . XXXX XXXX spent more than an hour calling the center to get a code in order to open this account.
On XX/XX/XXXX I called the XXXX to inquire about the {$300.00} bonus, after more than 40 minutes I was told there was no promo code and that I had to go back to the branch.
On XX/XX/XXXX about XXXX XXXX I was at the branch asked MrsXXXX XXXX XXXX to talk to the branch manager, she stated the manager is busy and she could help. I informed her that I was closing the account by the XX/XX/2019 but, according to my previous inquiry to the call center, there is an issue with my bonus despite the fact a valid code was given to Mr . XXXX XXXX at the time of the opening the account.
I presented her with a copy of the offer ; she spent about an Hour talking, I suppose to XXXX XXXX at XXXX XXXX NY, XXXX who at one point alleged a fraudulent or suspicious mail offer which I quickly challenged her. Then I was finally told by Mrs. XXXX that everything was escalated and I was assured everything is straightened out, and that she is on the top of it.
Next morning Mrs. XXXX left a message at XXXX XXXX to call her exhibit ( page 3- exhibit : A ). When I called she stated the call was to assure me again that she is following up on the issue. I called her back again to remind her XX/XX/XXXX is the date.
On XX/XX/XXXX I had to spend about half an Hour ( see calls attachment ) on the phone with Mrs. XXXX and also the branch manager regarding this, finally I alert them both, in an event the {$300.00} is not in the account by the XX/XX/XXXX the bank is in violation and that I would have no choice but to report to regulators. Mrs. XXXX, who had ignored me in the past, condescendingly stated : THAT IS YOUR PREROGATIVE.
As of today, I have kept the account only open to receive the advertised bonus ; the {$300.00} has not been credited, but an amount of {$24.00} has been deducted for a service charge.
The amount of time I have spent on this clearly shows many inconsistencies which substantiate intentional fraud on the part of M & T bank which unfortunately makes a bad name for the banking industry.
Sincerely,
|
| 07/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX said : M & T Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX : As a result of your continuing harassing behavior, and since you do not have any relationship with M & T Bank or occupants of the building at XXXX XXXX XXXX, XXXX PA XXXX, M & T Bank is putting you on notice that you are not permitted to enter the building at XXXX XXXX XXXX, XXXX PA XXXX from this day forward. Furthermore, you are also prohibited from contacting any employee or entity within the aforementioned building in any capacity. If you violate any of these terms, M & T Bank may take such legal action as it deems necessary to protect its interests.
Respectfully, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX M & T Bank XXXX XXXX XXXX M & T Bank Corporation C : CERTIFIED MAIL RETURN RECEIPT REQUESTED Regular First-Class U.S. Mail Copy to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Partner | XXXX, Pennsylvania Email : XXXX Tel : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX - XXXX XXXX XXXX said : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ph ( XXXX ) XXXX fx ( XXXX ) XXXX EMAIL : XXXX Reply to XXXX XXXX XXXX No : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Mail , Return Receipt Requested and U.S. Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Dear XXXX XXXX : This Law Firm represents XXXX XXXX XXXX ( XXXX ) . We are in receipt of a copy of an email which you forwarded and copied to the XXXX XXXX XXXX XXXXf XXXX. In your email, you threaten to bring a lawsuit against XXXX for XXXX XXXX undefined actions which you apparently claim arose in some private dealings you had with him. We write to request that you cease and desist making such unfounded threats. You are not a XXXX policyholder, and XXXX has no relationship with you whatsoever. To the extent that you follow through on your threats and file a frivolous lawsuit, XXXX will seek sanctions in court, including recovery of its attorneys fees incurred in having your suit dismissed.
You are also instructed not to enter into or upon XXXX place of business. If you are found at the premises, you will be considered a trespasser and will be reported to the police.
Please govern yourself accordingly.
Very truly yours, XXXX XXXX XXXX XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Floor | P.O. Box XXXX | XXXX, PA XXXX | ph : XXXX | & | XXXX XXXX XXXX XXXX | XXXX, PA XXXX | ph : XXXX | fax : XXXX | XXXX | XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Assistant Vice President XXXX and XXXX of Facilities Fax : ( XXXX ) XXXX Cell : ( XXXX ) XXXX After Hrs. Direct : XXXX XXXX XXXX Home Office : XXXX XXXX XXXX P.O. Box XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX
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| 03/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I currently have 2 loans with M & T bank and when making payments online via the mobile app the payment was posted to the incorrect account causing one to go past due. I attempted to make this right with the loan company however so far they haven't only caused more confusion and not provided a resolution. Now that the late reporting is reflected on my credit report I have since been impacted greatly by the loss of credit lines, some reduced to the current balance on the account. When logging in on the mobile browser and going to make a payment I selected the account I wanted to pay- and processed a payment not knowing or being alerted that even though I selected the account I wanted to pay the default was set to go to the first account. At this point, there were no labels on the accounts to really know which one was which. I later discovered on my own you could apply nicknames to each account- this wasn't shared with me as a solution. I was basically given the canned response of I should have known better and that is just how things work. This is a poor customer experience. I did ask for a resolution and next, I see they have done payment reversals on the one account - thinking this was to transfer the payment that was posted to the incorrect account to the right account- nope it was just posted back to the same account. There were multiple payments reversed. This caused even more confusion in the meantime I was making payments to both accounts to not further the damage that was already in progress. Only to be caught up in a situation where the payment I set up online not posting at all - I went through the process and submitted the payment in order to prove myself they wanted a payment confirmation number well there are no text messages or emails sent to provide that number it is only online and well since the payment didn't post there was no confirmation number to be found. This only compounded things because the account was now going to be reported as late. If the payment had been posted to the right account the first time it wouldn't have happened, then when I alerted M & T that this had happened they failed to provide a solution, then I tried to provide myself a solution and this also failed. I have never paid late on any bill in my entire life this has been extremely upsetting and aggravating, to say the least. My credit score plummeted overnight and now it is causing additional impacts I am sure some are not even realized yet. Once this is fixed I will have to fight with the other creditors to fix/undo what has been done as a result of M & Ts failure to correct the issue.
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| 11/13/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/20, I noticed fraud on my debit card. Two XXXX of {$1000.00}, {$1000.00} and two XXXX XXXX charges of {$1000.00} and {$2000.00}, and two deposited checks. I filed a police report and an identify theft report with the FTC. Both of those were sent to the bank. We called on XX/XX/20 to report the fraudulent activity and submitted a fraud dispute on XX/XX/20 in person at the local XXXX branch in XXXX, PA. My bank, M & T has issued refunds to my account for the two deposits ( {$20.00} reissued for each fraud check deposited ) and two XXXX transactions of {$1000.00} and another {$1000.00} dollars. However, this was first done to my mom 's joint account not the account in question. We were never notified by the bank. We had to contact the local bank branch manager in XXXX, PA last week on XX/XX/20 and tell them the money was issued to the wrong account and then they move it to the correct one. However, we never received any statement saying this. Then, we waited 12 days until we heard again from a fraud worker with the bank. The fraud worker was focused on deposits. He kept saying I must have deposited the checks based on my phone number. I absolutely did not do this. He had no information for me about the XXXX XXXX fraud. We are currently disputing the XXXX XXXX charges on the account for reimbursement and they had no information for us about those charges. Also nothing has been sent to us in writing. Again, it has been over the 10 day requirement.
Here are the overaching concerns : 1. We notified the bank of fraud activity when the XXXX XXXX charges were pending on XX/XX/20. We asked the bank to STOP pay on these since we did not authorize them. They did not. They let these charges go through.
2. M & T charged us insufficient fund fees based on these charges that made the account negative during the ongoing investigation. During this entire investigation, they kept trying to charge us insufficient fund fees even though federal law states this is illegal.
3. M & T has not provided us with any written communication about their investigation. We have been kept in the dark.
We do not feel safe as consumers and members of this bank. They are not following federal laws that protect consumers and they are not following required guidelines for fraud investigation. We ask that the CFPB holds M & T bank accountable for not following the required timeline for handling this fraud case and not keeping consumers safe when they report fraud. Again, we reported the XXXX XXXX fraud before the transactions when through and they did not stop this fraudulent activity from occurring.
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| 09/21/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American |
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On XXXX XXXX, XXXX, I paid in full the FHA mortgage loan began with M & T Bank on XXXX XXXX using the amount of payoff given to me verbally. Within an hour ( EST ), I sent my check via US Priority Mail ( tracking number XXXX XXXX ) signed by one of their officers. The check # XXXX for {$160000.00} was drawn on XXXX and it was received and signed for. A week later after questioning the process, a bank representative transferred my call to another officer for clarity. I learned then that they had not posted my payment as final for it did not arrive at their office. I sent the check to M & T Bank, XXXX. MD. XXXX. A day later an officer returned my call stating that the check did come but the amount quoted was n't accurate and they now wanted to take this ( mysterious amount ) from the overage in the escrow account which then had {$870.00}. Without knowing whether this was legal, or right, I sought the advice of a lawyer who called on my behalf -only- to get the " run around ''. He suggested that they probably were wrong and to make a formal complaint as a consumer to your office. To date, I have three different letters from three different offices requesting more money -adding interest- as though the cashier 's check -had not arrived timely and the full amount of the payoff was incorrect. I used the figure quoted through XXXX XXXX, XXXX in the amount of {$160000.00}. For your records, I have a copy of the Priority mail express receipt showing that the letter would arrive by XXXX of XXXX XXXX, XXXX. My question to you is this, why if I paid the full amount quoted to me that would close the mortgage loan in full as stated, would this bank recompile another figure and take it from my accumulated escrow balance. And if this is an FHA loan, should they be allowed to dupe the consumer in this way? Such dishonest?
I do not have the where-withal to attach the official check, the priority mail receipt, the four letter stating the balance on the closing day of XXXX XXXX if XXXX with Interest through XXXX XXXX, XXXX calculated at XXXX, pro rats MIP of XXXX and recording fees of XXXX total amount to pay off loan in full ... .. XXXX. The letter then said, the current escrow balance is : XXXX.
The following clause : An additional month of interest is due if payoff funds are received after the first business day of the month, all figures are SUBJECT TO CHANGE. This statement expires on the last business day of the month. Figures must be updated after that date. In addition, figures will be adjusted if any transactions such as escrow advance, payment reversal, or fee assessment take place ....
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| 05/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I believe my bank, XXXX XXXX XXXX, is in violation of the Homeowners Protection Act of XX/XX/XXXX regarding the cancellation of PMI. According to this act, the law requires home mortgages signed on or after XX/XX/XXXX to automatically terminate PMI once the homeowner reaches 78 % LTV, or gains 22 % equity in their home, based on the original property value ( lesser of purchase price/appraised value ). The HPA defines cancellation date as, at the option of the borrower, either : ( 1 ) the date on which the principal balance of the mortgage is first scheduled to reach 80 percent of the original value of the property ( regardless of the outstanding balance ), or ( 2 ) the date on which the principal balance of the mortgage reaches 80 percent of the original value of the property based on actual payments.
On XX/XX/XXXX, I made a {$3000.00} payment to my principal. The bank did not apply it to my principal. I called and on XX/XX/XXXX, they corrected the mistake ( this is documented with them ) and backdated the principal payment to XX/XX/XXXX.
At that point, my principal balance reached 80 % of the original value of the property based on actual payments. According to the HPA, my PMI should have been automatically cancelled. I called and spoke with someone at M & T on XX/XX/XXXX to ensure that it would be cancelled ; I was told that paperwork would be filed.
On XX/XX/XXXX, my monthly mortgage bill was automatically deducted from my account as always ; I saw that PMI had been deducted. I called M & T again and was told that this was because the mortgage was in arrears and that the PMI would be removed for the XX/XX/XXXX payment.
On XX/XX/XXXX I received a letter from the bank stating that my PMI Waiver was approved and that I would receive an escrow analysis within 60 days.
On XX/XX/XXXX, M & T again withdrew PMI. I called today, XX/XX/XXXX, and was informed that the paperwork for PMI takes " awhile '' and so during the interim I would have to continue to make the PMI, but that my XX/XX/XXXX payment would not deduct it. I was told I would not be refunded for the PMI they took out after the cancellation.
If I understand the HPA correctly, the date of termination should have been XX/XX/XXXX and, at that point, the PMI should have been canceled. I understand that it was in arrears, but M & T 's claim of " paperwork processing time '' seems to be in contrast with the HPA 's wording of " automatic cancellation. '' I believe that M & T is acting fraudulently, and that I am protected under the HPA act. I suspect that other consumers are being treated unfairly, as well.
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| 01/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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I had a checking account with M & T bank where I kept a small balance. The account was set up to decline purchases that exceeded the account balance.
The debit card for this account was linked to two companies that auto-shipped product : XXXX and XXXX XXXX. The card that was linked to these two accounts had an expiration date of XX/XX/2019.
On XX/XX/2019, these two companies shipped product that exceeded my account balance. The bank authorized the charges which put my account in the negative. The bank then charged me two overdraft fees of {$38.00} each.
I called the bank and argued that the shipments should have been declined because 1 ) they were charged to a card that was expired and 2 ) the account was set up to decline purchases that exceeded the account balance.
I explained to the banks customer service agent that I had received the product and would pay for it but was not willing to pay the overdraft fees. The agent told me my only course of action was to file a dispute which I did.
When I filed the dispute, the bank reversed payment to XXXX, but not to XXXX XXXX, while they investigated the dispute.
XXXX showed proof of delivery, so the bank declined my dispute ; however, my dispute was not about product delivery, it was about overdraft fees.
When I tried to place another order with XXXX, I discovered I was a delinquent status with them because they had not received payment for the product shipped in XX/XX/2019 ( amount {$180.00} ). I then paid XXXX this amount plus a {$25.00} XXXXhargeback fee.
In the meantime, M & T charged off the negative account balance in the amount of {$350.00} and sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I explained the situation to the collection agency and told them I would pay for the {$99.00} XXXX XXXX charge, but not for the XXXX charge because I had already paid XXXX and not for the overdraft fees. They would not accept that and advised my only course of action was to file a dispute with M & T which I did.
M & T came back with the same response : that I was liable for the entire amount.
I have been in this loop since XX/XX/2019 without resolution. M & T is not conducting proper research before responding and the collection agency isnt in the position to act in my interest.
This charge off affects my credit and I am now on a blacklist with XXXX which affects my ability to open a checking account at a new bank.
I am willing to pay the {$99.00} for the XXXX XXXX services I received if M & T will acknowledge this as full payment and remove any negative reporting to credit bureaus and XXXX.
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| 02/23/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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M & T Bank has illegally locked us out of our home at XXXX XXXX XXXX XXXX, FL Please help me understand why M & T Bank is inspecting our property and changing the locks outside of the Loan Modification agreement made with XXXX XXXX XXXX.
* We entered into a Trial Payment plan for XXXX XXXX, XXXX XXXX, and XXXX XXXX.
1. ) The Defendants hereby certify that an AGREEMENT was executed in XX/XX/XXXX with XXXX XXXX XXXX XXXX, a debt collector on behalf of M & T BANK for a Trial Payment plan for the purposes of a loan modification. The Asset Manager assigned to this case is known as XXXX XXXX at ( XXXX ) XXXX And XXXX.
2. ) The Defendants hereby certify that M & T Bank issued a WORK ORDER on Tuesday, XX/XX/XXXX which provided access to subject property at XXXX XXXX XXXX UNIT XXXX XXXX, FL XXXX on Friday the XXXX day of XX/XX/XXXX and keys to said property were conveyed. The POC for this WORK ORDER is XXXX and he can be reached at XXXX to confirm.
* The trial payments were made as followed - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX * We were XXXX a Loan Modification package on XX/XX/XXXX.
* The XXXX payment was made as agreed on XXXX XX/XX/XXXX via XXXX XXXX XXXX pay Confirmation # XXXX * We were granted an extension review on XXXX XX/XX/XXXX for Loan Modification Documents * The loan modification documents were XXXX back on XXXX XX/XX/XXXX Tracking No. XXXX XXXX XXXX * M & T Bank issued a property inspection charge on XX/XX/XXXX for XXXX.
Why is there a property inspection charge on my account?
This means that a vendor entered our property opposite of our Loan Modification?
New carpet was installed XXXX XX/XX/XXXX. Fresh paint was applied XX/XX/2017
I do not know what and/or any damages were made to the renovations we completed at this time?
* M & T Bank has entered our property without notification.
* M & T Bank has changed the locks to our property restricting access to our home.
Will XXXX XXXX, the attorney for M & T Bank, explain what is going on?
We have abided by the agreement and making payments on the Loan Modification as submitted. M & T Bank is restricting access to a property that we rightfully are paying a mortgage payment? M & T Bank is restricting our right to lease out the home and causing additional hardship, stress and suffering.
I am waiting on a response. No one from Modification has responded to me on what is going on
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| 10/09/2020 |
Yes |
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- Trouble during payment process
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Web |
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Hello, It's currently XXXX XXXX and I am up writing this complaint because I overwhelmed with the current situation with my mortgage company, M and T Bank. On XXXX, XXXX, I had a pipe that burst in my kitchen and caused water damage. I immediately had the pipes repaired and started the drying process. I submitted the claim to my insurance company and they released the check which arrived this week. When I contacted M and T Bank to get an address to mail the check, I was told that I have to wait for the approval process to release the check because my mortgage is delinquent. I mentioned that my mortgage is in forbearance because I lost my job due to the pandemic and that I don't believe it's considered delinquent. I was then told how the process would work and the money I have already paid to start the work, I'm welcome to send receipts and they will reimburse me. I was a single mom of XXXX daughters when I purchased my home. I supported my daughters through college and worked as a XXXX XXXX until my office closed due to XXXX. The home I purchased was almost in foreclosure and a lot of work when we moved in. I have invested more than XXXX into my home and have every intention to restore my home to the way it was. When you read about the insurance payment process online, they articles tell the homeowner to be kind, patient and polite to the lender if you want to get the funds released in a timely manner. We need our home restored and I have no intention to lose our home. I felt like the conversation was threatening and I was even told by an employee when I first called that I do not want to go down the road as if my loan was delinquent and have them micro manage the process. I have had my home for 5 years and have never defaulted on a payment. I am asking for help to get the funds released so I can complete the work and move forward with our lives. Once I go back to work, my plan is to refinance the home and the pay off the forbearance payment.. If you look at the website to submit a request for payment, the process will take months to complete and I believe I will be hararrased as we go along. I know they have an invested interest in the property and so I do. Are there any guidelines that can protect this process and ensure the work in my home will be completed efficiently? I live in California and the company in PA. They told me they have to find an adjuster to come by and review the progress. I am willing to upload pictures which should suffice or the adjuster can come upon completion, Do I have rights and if so, can I please be advised?
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| 04/15/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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As of approximately XX/XX/XXXX, I entered into a VA forbearance option with M & T bank due to financial difficulties caused by the XXXX pandemic. The Loan Servicer M & T bank accepted my request and outlined the process for the forbearance to include maximum duration of up to 1 year. The forbearance process also identified multiple paths to exit forbearance which were available to me as a home owner, one of which was called deferment. From M & T banks process definition, I would simply communicate my intentions to keep the property and resume regular payments before the 1 year period. Once I communicated my intentions, M & T would send new loan addendum paperwork requiring my signature. Once the new loan paperwork was received by M & T, loan payments would resume as normal and the balance of payments paused during the forbearance period would be allocated to the end of the loan period extending the length of the loan equal to the loan forbearance.
On XXXX, XXXX I communicated to M & T to start the exit process for the forbearance and enter into regular payments which 1. ) allocated all payments paused during the deferment period to the end of the loan period and 2. ) allowed me to resume regular payments for the duration of loan period as normal. ( My forbearance period was from XX/XX/XXXX through XX/XX/XXXX where XX/XX/XXXX was the date I started making payments per direction from M & T bank ) On XX/XX/XXXX, M & T bank sent me multiple documents identifying the new terms of the loan according to the forbearance plan to sign and send back for recording. From XXXX, XXXX through XXXX, XXXX M & T bank sent multiple copies of identical loan documents which I identified and communicated as redundant in nature. Nonetheless, I signed and mailed said document ( s ) back to M & T with a final copy sent on XXXX, XXXX time frame.
During the entire forbearance exit process starting XXXX, XXXX, M & T bank has verbally communicated they have a back log of loans transitioning out of forbearance into regular payment status and can not process my exit request. Ive resumed payments on-time in the full amount starting XXXX, XXXX to present ( XXXX, XXXX ) and are still unable to obtain regular account status with M & T bank. From XXXX, XXXX to present ( XXXX, XXXX ), M & T bank has kept me in a forbearance status equal to 8 months in duration. In total, my mortgage account has been in a forbearance or default state for almost 2 years. All payments paid to M & T bank from XXXX, XXXX to present have been deemed unallocated per M & T banks billing statements.
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| 02/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't contact lender or servicer
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Web |
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In XXXX of XXXX I sent a message to M & T Bank to request if it was possible to change the due date of my camper loan. About 2 weeks later I received paperwork in the mail to change the due date. As the camper loan is in both my name and my husband 's name we both signed the paper, I took a copy for my records, and placed it in the mail on XX/XX/XXXX. When no changes were made to the account in XXXX I thought perhaps they require a full billing cycle to make the change. When the change still was not reflected in XXXX I attempted to call the bank with no success. Every time I have attempted to call, which has been over a dozen times, I am looped through their menu and regardless of what options I choose it always ends with a message stating they are experiencing a higher than usual call volume and can not take my call so I should try at another time. After I was unable to reach anyone by phone I sent a message on XX/XX/XXXX through their secure message system on the bank website asking why my account still did not reflect the due date changes. I did not receive a response until XX/XX/XXXX informing me that they never received the mailed paperwork. I was told I could mail a copy again or fax it to a number they gave me and the changes would only take 2 business days to be reflected on my account once they received the paperwork. I chose fax so that I could be sure it was received this time. I faxed the paperwork to M & T Bank on XX/XX/XXXX and received confirmation that the fax was successfully transmitted. It is now XX/XX/XXXX and my account still does not reflect the changes and I have attempted to call 6 different times on XX/XX/XXXX with every call ending with the message indicating they were experiencing a high call volume and to call again later. I sent a message through their secure message system on the website on that same day, XX/XX/XXXX and still have received no response. Our camper dealer secured this loan and we had no idea there are no physical locations anywhere outside of the eastern United States. We live in Colorado and since their phone system is either unmanned or grossly inadequately manned we are literally at their mercy. I have no recourse and I can not reach anyone at this bank to find out why we have been actively working for 4 months to make a simple 10 day change to our loan due date and can not seem to accomplish this. It causes me great concern as to the reliability of this bank and as a loan holder through them I feel incredibly helpless to do anything but continue paying my loan for the next 12 years.
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| 05/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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paid off my vehicle XXXX/XXXX/XXXX to M & T Bank and I still am unable to obtain my car title from the state of XXXX. When I purchased this vehicle, I resided in XXXX XXXX but moved to XXXX in XXXX of XXXX.
When I paid my loan in full, I did not receive my title. I did provide a change of address when I moved to XXXX. I called M & T and was only provided with a lien release letter but no title. M & T stated I needed to obtain the title myself.
In XXXX XXXX, I received a notice from the XXXX stating that there is an error with my title work. I contacted them via email and they advised me of the following ( see attached email from XXXX XXXX XXXX : It appears as though you brought the vehicle in from the state of XXXX and applied for registration and title, but had a lien holder on your vehicle. We produced your registration and then sent a letter to your lien holder asking for the title but they never responded.
If you are still making payments on the vehicle and your lien holder is still in possession of the title, please contact them and ask them to either send the title to us, or provide us with a better mailing address so that we can send them a XXXX request for your title.
If you 've completed your contract for the vehicle and are now in possession of the out of state title, then please send us your out of state title with either the loan stamped paid on the face of the title or the title along with a letter of lien release that includes:1. ) The company 's letterhead2. ) The vehicle identification number3. ) Names of all owners4. ) Signature of an authorized representative of the company.
What we will need to process your transaction is:1. ) The original out of state title.
2. ) A current odometer reading for your vehicle if the model year is XXXX or newer.
3. ) A statement with your current address.
In addition, they stated the following ( see attached ) : Now that you 're an XXXX resident you 're going to need to get your XXXX title produced. If you have paid off the vehicle but do not have the out of state title then you 'll have to apply for a duplicate out of state title. The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is showing that the last state to issue title was XXXX. You 'll need to contact the XXXX XXXX about obtaining a duplicate title from their state and then surrender that title to us to produce your Illinois title. When you apply for their title, use the lien release that your lending institution sent but keep a copy because we 'll need one as well because your lien was recorded in both states.
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| 01/08/2024 |
Yes |
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- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
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Web |
Older American |
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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.
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| 04/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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M & T Bank forced placed lender flood insurance on my loan that is not required and is refusing to reverse the transaction.
Please see the details below : XX/XX/XXXX received letter from M & T regarding a FEMA map revision which placed my property in a special flood hazard area and required I obtain flood insurance.
XX/XX/XXXX obtained flood insurance XX/XX/XXXX ordered FEMA Elevation certificate as advised by my insurance agent to avoid future premium increases.
XX/XX/XXXX received Letter of Map Amendment from FEMA stating the structures on the property is not located in the special flood hazard area.
XX/XX/XXXX faxed information to M & T requesting removal of flood insurance requirement.
XX/XX/XXXX received letter from M & T stating flood insurance is no longer required and that M & T would no longer track or pay future flood insurance premiums.
XX/XX/XXXX requested cancellation of flood insurance through agent.
XX/XX/XXXX received confirmation that insurance was cancelled and refund.
XX/XX/XXXX received letter from M & T stating flood insurance has expired with no evidence of coverage.
XX/XX/XXXX received second letter from M & T requesting evidence of flood insurance coverage.
XXXX/XXXX/XXXX contacted M & T by phone and through the message portal and advised the following - There is a Letter of Map Amendment Determination that the structures on my property are not in a special flood hazard area and M & T has acknowledged this and removed the flood insurance requirement. Please do not obtain lender place flood insurance for my property as it is not required.
XX/XX/XXXX received the following response from M & T XXXX , Our Insurance manager is looking into this issue for you. We will be in contact when a resolution is available. In the meantime there will be no disbursements on your account because of the dispute.
XX/XX/XXXX M & T processed a disbursement from my account for lender placed flood insurance.
XX/XX/XXXX I contacted M & T through the message portal and advised that On XX/XX/XXXX M & T processed a flood insurance payment for my loan in error. This message is requesting you reverse the transaction and refund the {$260.00} to my escrow account. My property is not located in a flood zone. When I did not receive a response from the Insurance Manager, I assumed we were all set.
XX/XX/XXXX returned a call received XX/XX/XXXX and was advised very rudely by the M & T representative that M & T is not waiving the lender placed flood insurance I will not be refunded THATS JUST IT.
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| 04/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is not the most clear cut case but I have concluded that it comes down to bad communication between the billing department and insurance department of my lender.
I closed on my property last XXXX XXXX XXXXXXXX XXXX and the mortgage was purchased by M & T bank within a month after the closing. The flood insurance that was considered sufficient with XXXX was considered insufficient by M & T, they sent out a letter informing me of this which I did not receive until two weeks before the deadline to revise my flood insurance policy. I informed my insurance agent who in turn tried to get me a policy that was in line with M & T 's demands ; this could not be accomplished by the deadline and M & T in turn purchased flood insurance for me which was in effect until I could get a sufficient policy in place. I got a new flood policy enacted on the XXXX of XX/XX/2021 and the policy that M & T purchased was then canceled.
I was told that I could apply with FEMA for a map amendment to see if I could remove one of my two structures that was on higher ground from flood insurance. I applied using my flood elevation certificate. The map amendment came back about 4 weeks later and it was determined by FEMA that it was not necessary to have flood insurance on the guest house structure. I submitted it to M & T insurance division and a week or two later they sent me a letter stating that I no longer needed flood insurance on the guest house also referred to as the cottage. That was in late XXXX early XXXX. I then canceled the flood insurance for the guest house which is also listed as XXXX XXXX XXXX with the county, and the primary house being listed as XXXX. I have been receiving contradicting letters from M & T due to flood insurance ever since I canceled my flood insurance on the guest house ( XXXX ) and even going back further than that but my complaint now stems from getting notices saying that I do not have sufficient flood insurance and that flood insurance will be purchased for me by M & T if nothing is done about it.
This has been a constant back and forth for which I do not have time to deal with, and something that I have spent countless hours on the phone with many different agents in billing and insurance even on three way calls always ending with the problem being resolved yet still receiving these notices via letter and on my website account. It has caused me great stress and taken up much of my time, I just want to pay my correct bill and live my life besides without worrying about my insurance defaulting.
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| 01/26/2024 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Paying off the loan
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Web |
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My home was in the pre-foreclosure phase and was sold as a regular sale - not a short sale on XX/XX/2023. Leading up to the listing, I requested a payoff so that I could set a good price for the home. When the home was under contract I requested another payoff for the anticipated closing date XX/XX/XXXX. The closing was postponed 5 days beyond the " Payoff Good Thru Date '' on payoff # 2 which was XX/XX/XXXX. Payoff # 3 had a Payoff Good Thru Date of XX/XX/XXXX which was 23 days after my closing. This is a multi-part mortgage payoff refund. Part 1 is the 23 extra days of interest on the mortgage.
Part 2 is because the Escrow portion of the loan payoff was never pro-rated to just the 4 days I owned the home in the Quarter for the purpose of Real Estate taxes and other Escrow items. The quarter began on XX/XX/2023 and my closing was on XX/XX/2023. I paid for the entire quarter of Escrow but this was too much.
This was obvious to me even before the closing was completed because the difference between the Escrow portion of payoff figures in # XXXX vs # XXXX were huge despite the home only being owned until XX/XX/2023. If you compare the payoff figures between # XXXX vs. # XXXX vs. # XXXX and take into consideration the amount of time that would impact the increase in payoff dollars, the amounts do not make sense.
I called M & T bank before the closing and was told it would be reviewed about 2 weeks after the payoff was fully processed. They estimated the payoff would take 2 weeks so the overpayment should have been completed by early XX/XX/2023.
While I realize there are waiting periods for M & T Bank to respond, I have already sent them a written formal complaint via certified mail on XX/XX/2023. M & T bank has acknowledged receiving that complaint but constantly gives me the runaround indicating that a different department is handling it and then promising to call me back in a few days but never does.
This is ridiculous. The pro-rating of a payoff is not a difficult process and it is done by banks and title companies many times a day in the course of selling homes and accepting other types of final loan payoffs.
I have received a small check with no explanation of how the funds were distributed or any accounting for the difference in interest OR escrow.
I believe that because this home was in pre-foreclosure, the bank and the law firm that reportedly represented them XXXX XXXX XXXX feels they can charge whatever they want without explanation and the homeowner has no recourse.
M & T Bank
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| 08/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We have submitted 3 applications for a Mortgage Modification with M & T Bank 's Homeowner Assistance Program. We were approved for the 1st time in XX/XX/2019 with the 1st payment being for XX/XX/2019. We made arrangements with M & T Bank for our 1st payment to be withdrawn from our checking account on XX/XX/2019. I was NOT aware that the bank where our checking account is located ( XXXX XXXX XXXX XXXX ) held/froze our available funds without our explicit knowledge ( or approval ) on the same day our M & T mortgage modification trial payment was scheduled to be withdrawn ; therefore, the mortgage modification trial payment was denied by XXXX XXXX XXXX XXXX where our checking account is location. We did not receive any information that our checking account 's funds were frozen until 7 business days later. By that time, the mortgage modification trial payment was declined by XXXX XXXX XXXX XXXX. M & T Bank proceeded to cancel our Mortgage Modification application. We submitted an appeal with proper documentation and proof from XXXX XXXX XXXX XXXX that they withheld our checking account funds. M & T Bank denied our appeal despite the aforementioned documentation. We then began to utilize a housing counselor to attempt to try to work with M & T Bank and reinstate a Mortgage Modification. We submitted a second Mortgage Modification application. Again we were denied by M & T Bank and they claimed because we " defaulted '' on the previous Mortgage Modification trial they could not approve the application. We again submitted yet another appeal and they again denied the appeal. At this time, they began to file Foreclosure court papers against us and retained lawyers. We have been served said papers and are supposed to have a Mediation meeting scheduled with the local court ; however, this has not happened yet. We have submitted a 3rd Mortgage Modification application through M & T Bank upon M & T 's suggestion and through their respective lawyers. Today we received a 3rd denial of a Mortgage Modification.
We have tried working out payments with M & T Bank but they are refusing to work with us. We have kept lines of communication open with M & T bank and they are refusing to communicate solutions to us. M & T Bank has the ability to approve our Mortgage Modification application and override their policies that are blocking our application from being approved. We will further explain that one of the cosigners of the Mortgage Loan and our son are XXXX ; however, both receive monthly income from Social Security.
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| 05/03/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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My wife and I walked into the XXXX XXXX M & T Bank branch in XXXX XXXX, XXXX NY to close all of our M & T accounts on file ( for myself and my wife ). We clearly stated our intentions to close all accounts and move on from this bank. After a half hour or so, we had exchanged cash where applicable in order to zero out each of our XXXX accounts. The banker told us we were completely closed out. We left the branch that day under the impression all accounts were closed per our discussion with the bank rep whose name is XXXX. A few weeks later we discover my wife 's " overdraft line of credit '' was in fact left open ( against our wishes ) and was now showing a negative balance of XXXX {$60.00}. The banker only actually closed XXXX out of XXXX of our accounts ( left my wife 's " overdraft protection '' line of credit open, even though the checking account it was linked to was closed ). So we immediately call the branch and we 're initially told its not possible to close the line of credit without coming into the branch. My wife explained to the rep its extremely difficult for us to come to this branch as its not close to our residence. Finally the rep says she will close the account and mail us a bill for the remaining balance on the account ( telling us that they waived a late fee ). 3 weeks go by and we do n't receive anything so we call again. This time we speak with a third rep who tells my wife to mail in a check for XXXX {$30.00} which will close out the account and we 're assured the account will actually be closed this time. We leave for a one-week vacation and when we return theres a letter from M & T Bank which is dated 3 days before our previous phone call and states that there 's an overdue balance of {$1.00} which at this point is 50 days past due and that this has been reported to credit bureaus. Sure enough we check my wife 's credit report and now see XXXX delinquent account on her report. This is the first and only delinquency on her credit report and her score has already dropped by XXXX points. We 've spoken with the branch manager named XXXX who is currently researching the issue has told us he 's not exactly sure if this is the bank 's fault and can not promise a reversal of the negative reporting to the credit bureaus. We firmly believe if the first banker ( XXXX ) had simply closed the overdraft line of credit the first time we visited the branch ( as we had asked for and assumed had happened ) there would be no issue and nothing negative to report to the credit bureaus.
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| 10/24/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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Web |
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XX/XX/22 : @ XXXX {$1000.00} was withdrawn from this writers checking account, leaving account in the- {$1100.00} ( was already in the XXXX prior to cash withdrawal ). This writer called customer service @ XXXX. Such agent expressed to this writer that I should discuss with my mother ( who is also on the account ) but was unable to give me information on the check that was used to take out this non-authorized transaction. This writer had to go into her own account to find such information & call again to discuss the problem with a new agent @ XXXX. This new agent informed this writer that I need to go to the nearest banking location for further instruction.
XX/XX/22 ( continued ) : this writer arrives at M & T Bank @ XXXX. Discussing the same issue with bank teller. Bank teller ran through my account to print down the check and match signatures, which clearly do not match. Bank teller proceeds to tell Bank manager ( Individual did not introduce with title so Im assuming ). Bank manager informs this writer that he will launch and investigation & will call me later that day. I did not sign any paperwork such as a report or affidavit. This write leaves bank @ XXXX. This such bank manager called this writer back @ 3:36p to inform this writer that he was able to see that the person who wrote the check must of wrote the wrong account # down on the withdrawal slip. However, this writer informed the bank manager that there are no checks in this writers name so it is very concerning that someone can write down account # s and no extra verification is taken place. This writer was informed that the money of {$1000.00} will be placed back into this writers account Monday XX/XX/22.
XX/XX/22 : this writers account is still - {$1100.00}. This writers calls the local bank @ XXXX to speak with bank teller. Bank tell takes down all my information and informs me that they will call back soon once discussing with the same bank manager on the status of my situation. No one calls this writer back. This writer calls back again @ XXXX informing a new bank teller the issue. Bank teller informs me that the bank manager is out to eat and will call when he is finished. I received a phone call @ XXXX from bank manager stating that my case is still in review and should be fixed hopelessly Tuesday XX/XX/22. This writer informed bank manager that such account needs to be fixed by Tuesday due to being paid this Thursday XX/XX/22 & having wrongful negative balance will result in this writers paycheck to be taken.
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| 08/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I recently successfully completed a chapter XXXX bankruptcy plan. During my plan, my mortgage company was sold from XXXX XXXX M & T. Since my loan was purchased by M & T, I have had XXXX problem after another. While my bankruptcy was still active, I did n't receive anything other than what was basically a blank statement. Although I continued to make my mortgage payments to them directly, they never reflected my payment, balance, interest or escrow information on my monthly statements. Once my bankruptcy was completed, they dropped off an envelope on my doorstep and the only information on it was a handwritten name of M & T and a phone number. This was my first notice that there was a problem with my mortgage account. It took me two weeks to get a hold of them. When I talked to the asset manager I was told that she did n't see any payments missed on my account, it was probably a clerical error and she would have to request a complete payment history which would take 2 weeks. During this time, I applied to refinance my home. During the underwriting process, my loan was put on hold because M & T reported to the prospective loan company that I was XXXX payments behind. Again, it took me a week to reach someone at M & T. I was told they received the payment history and that I had n't missed any payments with them. Around XXXX, they advised they would have to send the dispute to the escalation department which would take an additional 2 weeks. Within a few days I received a letter from M & T stating that I would have a resolution on XXXX XXXX. On XXXX XXXX I called and they still had no resolution for me. I was told this day after day for several days until I requested it to be escalated to a supervisor. I was then given a firm resolution date of XXXX XXXX. It is now XXXX XXXX and I still do not yet have a resolution. It has been 3 months now since I have been trying to figure this out. I have received XXXX more " doorstep '' notices since the first XXXX with no actual information on them and no information from M & T stating why the status of my account is showing that we are behind. This has ruined my opportunity to refinance my home. I feel that it is a business tactic to either foreclose on my property or keep me from refinancing. It has been very, very difficult to get a hold of them and/or to wait for a return call which rarely comes. It has been more than a reasonable amount of time for them to complete their investigation and explain to me their position on the status of my loan.
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| 06/08/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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The first year of my mortgage I paid a different bank approx XXXX $ a month. Exactly 1 year into the loan I was sold to M & T, the first month went over fine at the XXXX, the next month I was bumped up to XXXX, I figured it was just taxes increased for the year and I wasn't happy but bought their story. The next year, my escrow apparently had a shortage, I looked into it and found it was an error of the county and quickly rectified it, I even received a tax refund for it. I contacted M & T to correct this and they informed me that they will only provide an escrow analysis once a year in XX/XX/XXXX after the county provides them with the new bill in XX/XX/XXXX.
I contacted the county assessor and they bill in XX/XX/XXXX, you know the government end of fiscal year, and also we're willing to provide me certified statements of my correct tax bill. I was excited with this news and called M & T back to have it fixed ... They gave me the same story, that they only review escrow in XX/XX/XXXX ... Now I asked to remove the escrow since obviously I seem more capable of handling my own taxes, I submitted the form hand signed and to the exact fax number and person they instructed me to, I even placed contact information in the case there was a problem, no on called so I figured it would be solved by the end of the month ... Nope. Another {$1600.00} bill from M & T, I called and asked what's up, they informed me, a month later, that my request was denied. Of course I questioned this and after several holds and transfers they came back stating it's part of my contract and can not be removed. Well I then researched my loan, no mandatory escrow for my loan at all, I even contacted the VA to verify this. I called again and was given the same 2 answers, no we will not remove it and no we will not re-evaluate it.
Now I am seeking an attorney to help rectify the situation since apparently I am not the only sucker sold out to this criminal group. What steams me the most is they told me " don't worry you'll get any overage back in XX/XX/XXXX of next year '' ... Don't worry? My mortgage payment is almost {$500.00} more a month than the agreement I signed, I am going out in a limb here and saying if anyone in the general population is hit with {$500.00} extra a month, that is going to cause serious damage or hardship. Where do these people get off at thinking they can hold onto approximately $ 5-6000 for a year ( most likely earning interest ) and it's ok because they'll return it in one years time.
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| 09/19/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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M & T Bank is very aggressively attempting to force place insurance on my property. They have now moved to retroactive insurance. This time, they are specifically attempting to force place retroactive insurance because I allegedly did not have the correct type of insurance from XX/XX/2020 to XX/XX/2020. They are threatening to buy insurance for me that they claim is much more expensive than my insurance and may cover much less. There is no date listed by which I have to fix this issue. They simply state that it must be done immediately. I just got this in the mail today and will call my insurance tomorrow to fix it in order to avoid them buying insurance for me, as I have done the dozen other times this has happened. I get a harassing letter from M & T Bank like this about every 2-3 weeks. I have threats to force place insurance because my coverage wasn't high enough. It was high enough and my insurance company sent them a copy of the state law to show it was high enough. I got a threat to force place coverage because the unit number was missing from my address. I had my insurance company humor them by sending a copy and making sure it had the unit number. Then I got another harassing letter saying now that there is a unit number on my insurance, it isn't valid because it doesn't match the address they have on file because it doesn't have a unit number. I got a harassing letter saying I needed to have a different type of coverage. I switched to they type of coverage. I actually didn't mind because it ended up saving me money. Now they're asking for retroactive coverage for that different type of insurance because they don't have proof that I had that specific type of insurance between XX/XX/2020 and XX/XX/2020. I'll fix this issue immediately and I'm sure they'll come up with another reason to threaten me with force placed insurance. I did some research and it looks like that have had several class action lawsuits for exactly this and it looks like they're doing it again. One additional detail worth mentioning is that federal law requires that if a company is going to force place insurance they must provide a warning 45 days in advance and a second 30 days later and 15 days before purchasing the insurance. Since this is the second notice, my guess is they're using that XX/XX/2020 and XX/XX/2020 to get around that. My worry is that even though I will fix it tomorrow, they could just as easily pick another random set of dates in 15 days. Why are they allowed to do this to people?
|
| 03/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I contacted M & T Bank on numerous occasions once I received my XX/XX/XXXX statement and it reflected {$520.00} due with {$62.00} late charges for XX/XX/XXXX. Yes, I was late on my auto loan due to I missed payments in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I paid {$460.00} on XX/XX/XXXX ( normal payment amount {$460.00} ). On XX/XX/XXXX I caught the remainder past due amount up by paying {$880.00} which is the amount a customer service representative told me was the amount due. On XX/XX/XXXX my statement still reflected {$62.00} due of unpaid late charges. I then take a look at the recent transactions on my account online and it reflects I made a payment of {$820.00} and then a payment of {$62.00} that same day. It then shows on XX/XX/XXXX a payment was reversed in the amount of {$880.00} and then the last transaction shows a payment of {$880.00}. I never made a payment of {$820.00} or a payment of {$62.00}. I made one payment in the amount of {$880.00} which was never reversed by my bank. When I asked why it was reversed they could not give me an answer which is also proof M & T Bank is a fraud. The difference between the actual payment of {$880.00} and the payment M & T Bank is stating I made of {$820.00} is {$62.00} that they are saying I am still late for XX/XX/XXXX. I feel M & T Bank is cheating me out of {$62.00}. I contacted M & T Bank once again on Friday XX/XX/XXXX to get credit for the {$62.00} I paid. I spoke to XXXX who could not explain why {$62.00} is showing still as late so he transferred me to his supervisor XXXX who could also not explain why {$62.00} is still showing as late and stated she needed to reach out to her back office department and give me a call back. The first payment for the auto loan started XX/XX/XXXX. If you add up my car notes due from XX/XX/XXXX to XX/XX/XXXX which is {$460.00} per month totals {$4600.00}. If you add up my total payments from when the auto loan was opened til XX/XX/XXXX totals {$4600.00}. Therefore, XX/XX/XXXX 's payment should have only reflected I owe {$460.00} not {$520.00}. I want credit for my {$62.00} that they are saying I did not pay when I clearly did. For no one at M & T Bank to get to the end of my billing dispute is ridiculous. The customer service representatives and supervisors are worthless. I suggest you never take a auto loan from M & T Bank in your life. When you attempt to catch up your loan they still say you are behind and tell you a payment was reversed when it was not. I want a credit of {$62.00}.
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| 05/15/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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|
Web |
Older American |
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Unfortunately, I am sending this message for your help because this matter is very time sensitive. I need an answer or resolution ASAP. I have tried everything I could think of with the bank over the last 7 days when I found out the issue 7 days ago.
On Monday XX/XX/XXXX, I went to the XXXX XXXX, at XXXX XXXX XXXX, XXXX, CT XXXX of the M & T Bank ( Manufacturers and Traders trust company People 's United bank ), to go into my safety deposit box to get my passport. I was going on a trip and needed to get it renewed because it expires before my trip. I have owned the safety deposit box for over 25 years at the same location and a total of 40 years with the bank at another location. I was meant to be the only person who has access to it and have been the only person with a key to it.
I was informed that it was closed out my someone in XXXX but at the time they would not confirm who it was or when it was. They said the lock had been broken into because the person did not have a key and the box did not exist anymore with all my legal documents, passport, my birth certificate, deeds to my home, car titles, bonds, family heirlooms, jewelry, and many other items to long to list here. Over almost 38-40 years of legal documents.
I asked who closed the safety deposit box and if I could any documentation of the box being closed permanently and not existing anymore. Basically, who had my contents of my safety deposit box. The bank stated all paperwork including a notarized paper by the bank, were the bank 's " internal documents '' and were not given out to the owner of the box without a subpoena from my lawyer. I am not sure if the person who stole the contents of the box has any paperwork from the bank.
I have tried every day in the last week to get the documents of the closing of the safety deposit box, but they are not currently assisting me to get the paperwork without a lawyer 's subpoena. I find this outrages because it was my safety deposit box and I did not close it. The contents were taken out of there without my consent and the box was closed permanently without my consent.
I could use your help in any way I can. I what to find out officially who gained access to the box. I have my suspicions, but I need to know officially. I would also like to get my passport and original birth certificate in order to get my passport renewed or new one. Neither I can do without the stolen documents in the safety deposit box.
Thank you and I look forward to hearing from you soon.
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| 05/13/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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Around XX/XX/19 I attempted a bank to bank wire transfer from my M & T bank account to my credit union. Via the online process, M & T requested my user name and password for my credit union account , M & T accessed my account and then asked a couple of unique questions regarding my credit union bank account. I answered the questions and was told everything was successful and I could complete the wire transfer. I then attempted to transfer the funds, but was then denied as I was told one of their fraud detectors were triggered. I've been the same back over 20 years and since M & T took it over via an acquisition. I called M & T to see what triggered the fraud alert, but was told they could tell me anything, nor did they know why it was triggered. The transfer was very important as I was closing on a mortgage and urgently needed closing costs money transferred to my CU. I was told I needed to email my CU statement to lift the wire suspension. I emailed the statement around XXXX but was never notified by M & T that the suspension was lifted. I never completed the transfer.
On XX/XX/19 I attempted to use XXXX, a service offered on my M & T account to transfer {$250.00} to a relative. After successfully registering and attempting to transfer the funds, M & T denied my transaction, advising I triggered one of their fraud alerts/detectors. Again tremendously inconvenienced and know feeling targeted, I called M & T to determine what happened but was told they could not tell me nor did they know. I advised I felt weird and somewhat discriminated against. Why do I constantly trigger a fraud alert but no one can tell my why or even provide a high-level rationale.
Similarly to when someone is provided or denied credit a company must advise why, M & T 's current practice will cause additional regulation because banks can't do what's right unless forced to. I understand specifics may not be able to be provided to keep the integrity of the process, but you have to tell long term, honest customers something. The treatment is just wrong, and falls on deaf ears.
Nevertheless, I was unable to complete the transfer and was not provided a reason, nor timeframe as to when I would be able too. I ended up using XXXX XXXX to complete the transaction ( I also used XXXX XXXX to facilitate the movement of funds from M & T to my Credit Union - back in XX/XX/2019 ).
I have had NSFs in the past, and have paid all fees. A review of my account history will never show any fraudulent activity.
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| 06/02/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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My home loan was with XXXX XXXX XXXX and I went into a slow pay with them and started paper work with them at that point. I was told that they would not work with me at all and I was told to wait till I was 2 months behind and maybe said they may want to help.. They did not do anything for me. Then a few months later they sold my loan to M And T bank and they send me a letter telling me that I was now with them and to start making payments to them ASAP. I called to make my payments and they told me that I could not make anymore payments till we sent in a modification package to see if they could help me. They would not take my payments then I sent all the information everytime that they asked me and then told me my documents were not current so they asked for info again and again and again and always at the 30 day mark. I was sent back again and again and never got help. Then I spoke to XXXX XXXX and he informed me that we would not have to make a payment and we would be review again. Do n't worry everything should be fine. I then revcived a letter stating that I got turned down for the modification and that I was going to lose my house. I called the bank and tried to make payments but they said they could not take them I was only 3 months behind. They told me that I could not make the payments. They then told me to re-apply and they said that I would not get approved but to try anyway. Then I went to find someone to help me but after 1 month they came back with a forbearance and they said that the payments would be XXXX per month and that the agreement was for 6 months and after the agreement they would reconsider for a additional term. I made all the payments on time and XXXX XXXX 2015 was the last payment for the forbearance and I sent the payment but 5 days later they started a forclosure sale date of XXXX XXXX 2015 and told me that they did not have to reiview me again unless I sent info 30 days in advance. I never received a forbearance agreement from the bank and I never signed XXXX. I have been requesting Info from the bank since XXXX/XXXX/2015 to show a signed forbearance and the terms but to this date they have not complied with my request this is now over XXXX days. I also contacted the trustee quality loan services and requested them to respond to QWR and they did not comply. I just yesterday XXXX XXXX 2015 reinstated my mortgage in hopes that someone would help me. This bank is really a mess and if not for many hours of work I would have lost my home.
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| 03/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I have had an auto loan with M & T since XX/XX/2014. The payment date is no later than the XXXX of each month. If the payment is made after that time then my loan would be assessed a late fee. I have made every payment for this loan prior to that date. The loan is issued to myself and another individual however I am the person who makes payment on the loan. Last month I made a cash payment to a teller in XXXX New York. At that time I had a issue in which the teller harassed me. I asked to speak w a manager and the conversation ended with her expressing to me that M & T would contact the people listed on the loan every day until necessary information was updated. I made a call to M & T customer service and filed a complaint. I explained that the representative at the branch made a verbal threat. They advised they would file the complaint and forward it to the proper party. Neither of us who are listed on the loan have ever been contacted about lack of payment or late payment until today. The other individual on the loan was contacted by an automated system. They called back and at that time they were told that the reason for the call was in attempt to collect a debt and that the account was delinquent. Which is not the case as the payment is always made within the warranted time frame given. They also told him that they had no information to contact me as their computers do not allow them access to the same information as customer service. I called M & T to find out the issue. I expressed to them my concern as to why the call was made to the other individual on the account as the company was making it out to seem as though the loan was in a delinquent status. I also questioned as to why if all my prior payments made have all fallen within approximately the same timeframe was a call made to him for this month. My concern essentially was that M & T was using this as a way to harass me due to the complaint I made last month on the XXXX. If my payment in XXXX was made on the XXXX and Prior to that on XXXX XXXX why all of a sudden M & T feel the need to make this " collection '' call. M & T has never reached out to either one of us prior to this point. My payments have never been made late but in retaliation to my complaint I feel as though M & T made this call to the other person on the loan in attempt to humiliate me. They tried to make it appear as though I was not " paying my bills '' or holding up my end of the agreement which could not be farther from the truth.
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| 07/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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There was a representative from M & T Bank at the closing ; and I have been making mortgage payments to M & T Bank since I closed on the apartment. The HUD-1 ( see attachments XXXX & XXXX ) a copy of which was received from M & T Bank states that {$110000.00} was received as new loan from XXXX and {$7500.00} as XXXX XXXX also from XXXX. These amounts are also stating on other documents received from M & T Bank ( see attachments XXXX & XXXX ). Therefore the total that should have been received from XXXX is {$120000.00} ( {$110000.00} + {$7500.00} ). Instead XXXX provided XXXX checks totaling {$110000.00} ( {$59000.00} + {$58000.00} ). The seller was paid {$59000.00} and the Bank owning the current mortgage on the property was paid {$58000.00} ( see attachment XXXX ). These checks are also mentioned in the letter dated XXXX XXXX, 2016 from XXXX in which it stated that " we are also enclosing copies of the checks from XXXX, which were requested by and provided to your attorney '' ( see attachments XXXX & XXXX ).
This means that there is a difference of {$8400.00} ( {$120000.00} - {$110000.00} ) before the payment of closing costs. Assuming an average closing costs of {$3000.00} for the purchase of a co-operative - this means XXXX is overstated by {$5400.00} ( {$8400.00} - {$3000.00} ).
Another way to calculate the overstatement of my mortgage is to use the closing costs documented on the HUD-1 which XXXX stated is the final accounting for my mortgage. The total closing costs on the HUD-1 is {$6000.00}, so clearly there is already a difference of {$2300.00} ( {$8400.00} - {$6000.00} ). The total closing cost of {$6000.00} includes amounts that were never paid and {$2000.00} which was paid by another XXXX. There is a {$300.00} for review of recognition that was never paid and a {$1000.00} for settlement fee that have not been paid. My attorney stated that the {$1000.00} was a bank charge and it had nothing to do with him, however, in the letter dated XXXX XXXX, 2016 from XXXX, it is stated that the {$1000.00} is my closing attorney 's settlement fee and that it was made payable to my closing attorney. This is disturbing ; my attorney said he had nothing to do with this {$1000.00} and XXXX is telling me they paid it to my closing attorney. WHO SHOULD I BELIEVE?
Therefore, adjusting the closing costs on the HUD-1 this indicates that XXXX mortgage is overstated by at least {$5700.00} [ {$8400.00} - ( {$6000.00} - {$2000.00} - {$300.00} - {$1000.00} ) ].
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| 05/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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The problem with M & T bank and my mortgage is simple : They wo n't take payments and have gone out of their way to increase the difficulty I have in making certain payments arrive on time. This problem started in XXXX 2014, when I admittedly was late with a payment. I did, however, schedule to have my XXXX payment take place at the same time as my XXXX payment. The M & T website indicated the payment was scheduled and no prompt from their website indicated there was a problem. When it came time to make my XXXX payment, I found out only then that I had been locked out of my account and forced to deal with another loan service : XXXX XXXX. Here, I was instructed to speak with a specific loan officer who was never in her office. Finally, after XXXX weeks, I was able to make contact. I made XXXX months worth of payments with her in XXXX day. She instructed me the loan was back to normal and should be operating in M & T 's hands. For the XXXX payment, this was n't the case as I remained locked out of M & T 's website. This time, when I attempted to make contact with the same loan officer, I came to find out she has been dismissed and I must deal with a new loan officer by the name of XXXX. I again make the payment with XXXX and he tells me the loan is back with M & T. For XXXX 's payment, I log in on XXXX XXXX to make my payment only to discover I am still locked out. I contact M & T, who only tell my I must deal with XXXX, in spite of being told otherwise by XXXX themselves. I attempted to secure more information, only to be told they would not help me at M & T. I have attempted to contact XXXX several times, leaving a message with him XXXX with no return calls. I have to make myself available to contact XXXX outside of work, school, and XXXX during their leisurely hours. As of this writing, my XXXX payment is outstanding and M & T refuses to accept any payment. This seems odd, during a potential foreclosure and asset management process that their technique would be to make the process more difficult for the person making the payments. It further seems odd as M & T Bank took XXXX XXXX in bailout funds with no intention on paying that money back. I do n't see where their lending practice could possibly fall within legal boundaries, it seems predatory in nature. They also recently increased the payments by over {$200.00} a month claiming it was for the escrow, which closed in XXXX. Not sure hot that works, but I feel it is worth looking into by somebody.
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| 09/14/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
Servicemember |
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2 years ago I went to M & T bank to open a Bank deposit box -- I was told at that time I had to open a checking account to have the box. I disputed it but they insisted- we signed the basic paper work and since I need the box to store valuables belonging to my son while he was in XXXX I agreed. I started to wonder why I was getting charges greater than the cost of the XXXX XXXX XXXX When I accumulated the records I took it to the office and they told me it was a combination of insurance fees and late penalties-even though I paid for the box usually XXXX4 months in advance at the $ XXXX cost. I told them I never buy insurance but they insisted I did- I requested they show me the documents- they said they did n't have them and stalled so I reported it to the state XXXX office- all of a sudden they produced a document that had my initials stating I agreed to the insurance. I did n't but it was XXXX of those just initial here and here and here- and I did n't read the documents so I blamed myself for not being more careful, but I said I should n't have been charge late fees because the took the insurance payment out of my checking account and then my payment was short about XXXX or XXXX dollars causing what I assessed at approx. XXXX {$90.00} over all. I requested a refund and forwarded it to the XXXX 's office -- the bank eventually sent me a letter reiterating the information I already had-and basically said- this was the reply, have a nice day- notify our customer service dept if you have any issues. I replied that the initial complaint was to the customer service dept and that the letter was inadequate because all it did was state I had a box and resolved the insurance issue. However they did n't address the fact that I was lied to about having to have a credit account and that there were any late fees- No fee information was given to this date. I responded to the Banking industry and XXXX office again- but to date nothing and I believe they just logged it away. I am located in XXXX- the bank has its main office in XXXX so XXXX would do nothing- and XXXX just placated me with a 'have a nice day '' letter- Never did they address the failure to inform issue or the fees that I requested to be refunded. So unresolved issues are Denial of failure to disclose- unpublished fees for late payments- what constitutes a late payment and confirmation information of insurance that I had no idea I had, plus the fees that were charged that were never reimbursed
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| 02/28/2023 |
Yes |
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- Trouble during payment process
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Web |
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I bought a house in XXXX and my lender was XXXX XXXXXXXX XXXX up until XX/XX/XXXX when M & T Bank bought my loan and my new lender changed to M & T Bank ( something I had no say in the matter ).
I've always carried up to date home and flood insurance policies with XXXX XXXXXXXX XXXX, with no issues, with sufficient coverage.
The new lender, M & T Bank, notified me that my flood insurance policy was insufficient. ( My flood policy wasn't due for renewal until XXXX XXXX, it was up to date, paid in full, with no lapse or anything, and XXXX XXXXXXXX XXXX never had an issue with the amount of coverage I had ).
Well M & T Bank forced place a lender policy of {$420.00} to cover the time period of when they took over my loan ( XX/XX/XXXX ) until my renewal XXXX XXXX XXXX because they are saying I did not carry adequate amount of coverage from when they took over the loan.
So now, as a consumer, I am being punished with this steep charge for something that was completely out of my control- my loan being taken over by another bank, and in the middle of my policy period that was ALREADY written and paid for in full, and in effect. And they are charging me because the amount I am carrying in the middle of policy does not satisfy THEIR requirements. I do not find this just or fair at all. For my renewal period XXXX XXXX XXXX XXXX XXXX I did increase to satisfy their requirements, but I should not be penalized for those last 3 months of my policy period when they took over my loan as I had NO idea I did not carry adequate coverage as XXXX XXXXXXXX XXXX never had a problem with it and I had already paid for this policy and was almost up to my renewal anyway.
I've spoken to several M & T Bank representatives and they all told me misinformation and conflicting things. Some M & T Bank representatives told me I was fine, and they removed the lender placed insurance, and then I find out, that no, I am not fine they've placed another one. I've spent countless hours trying to resolve the issue, going back and forth my with my agent, and with M & T Bank, but I am going in circles. Their personnel and training is clearly lacking and is very convoluted. This bank is very unprofessional, confusing, and even to speak to a representative you have to wait 10 minutes before you can even have the option to speak with with a representative. They really make it difficult and confusing for their customers. It has been a nightmare, an awful experience with this bank.
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| 04/28/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I am filing this complaint on behalf of a consumer who was a victim of a foreclosure rescue scam. The consumer is a native Spanish speaker and the following narrative is drawn from multiple sessions the consumer had in Spanish with a Spanish-speaking housing counselor. On XXXX XXXX , XXXX , the consumer filed a complaint with the Maryland State Attorney General 's Office. The consumer, who lives in Maryland, first sought assistance from the Director of a company called XXXX , to s ubmit a loan modification request to M & T Bank, the lender that originated the consumer 's home loan. By XXXX XXXX , almost XXXX months later after the consumer first met with XXXX staff, XXXX XXXX from XXXX called the consumer to tell him that he needed to begin depositing a total of {$1600.00} in cash bi-weekly into his bank account. This was in addition to amount he stated was his monthly income and tax returns from the previous year. XXXX XXXX director of XXXX stated that the consumer needed to make those deposits in cash specifically every XXXX weeks. In order to qualify for the modification. When the consumer first met with XXXX staff, he asked specifically if he could qualify with a current income of {$16000.00}, and XXXX staff resp onded by stating I am the expert on this matter and I know exactly what I am doing, and you just do what I tell you to do. The consumer was given a direct order to make a cash deposit of a specific amount in order for his modification to be approved and the consumer followed it. The consumer expressed feelings desperation to get an affordable modification, so he complied given that they ( the com pany ) were the experts in this subject matter.
As a result, the consumer was denied a modification from M & T bank because his income was too high. This was something that also raised a red flag for his ( loan modification ) case because when he tried to reapply again with the right information, the bank did not believe the consumer. When the first modification application was denied, XXXX XXXX advised the consumer to file bankruptcy in order to stop the foreclosure and she referred him to an attorney named XXXX , who reportedly refused to his my case because he saw the inconsistency in income and the possibility of fraud. This consumer has tried a third time to resubmit a modification, explaining the true nature of his case t o M & T bank, and has been denied.
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| 08/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Older American |
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WE RECIVED A LETTER IN LATE XX/XX/XXXX, THAT MY MOTHERS HOUSE PAYMENT WOULD BE GOING UP TO XXXX BECAUSE OF PAST DUE TAXES AND THEY WILL OPEN AN ESCROW ACCT. WE CALLED M & T BANK TO ADVISE THEM NOT TO OPEN AN ESCROW ACCT, THEY HER TAXES WERE BEING PAID MONTLY FOR THE COUNTY, AND ONLY {$98.00} WAS DUE AND WE HAD SENT CHECKS TO THE COUNTY OFFICE TO PROCESS FINAL PAYMENT ON XX/XX/XXXX. WE WERE ADVISED THAT MT BANK SENT {$220.00}, BUT {$120.00} WAS SENT BACK TO THEM FOR OVERPAYMENT. XXXX ADVISED US TO SEND COPIES SHOWING WE PAY THE COUNTY TAXES. WE DID. IN XX/XX/XXXX, WE SPOKE TO XXXX XXXX XXXX IN THE MORTGAGE CUSTOMER SUPPORT DEPARTMENT AT XXXX, SHE REVIEWED THE ACCT AND SEEN WHERE WE HAVE BEEN PAYING THE COUNTY TAXES FOR OVER 15 YEARS AND NEVER HAS MT BANK PAID, UNTIL NOW. SHE ADVISED US TO PAY THE {$98.00} TO HER BY CHECK AND THAT WOULD CLEAR THE PROBLEM UP. AND THAT MY MOTHERS ACCT WILL GO BACK TO REGULAR PAYMENTS AND TO WRITE AND ADVISED FOR MT BANK TO NOW OPEN AN ESCROW ACCT, BECAUSE WE PAY THE COUNTY TAXES AND MY MOMS GET A TAX FREEZE ON HER CITY TAX BECAUSE SHE ELDERLY AND XXXX, SO SHE DOESNT HAVE TO PAY THE CITY TAXES. I SENT THE LETTER IN XX/XX/XXXX, AND MT BANK WRITES BACK THEY ARE CONTINUING WITH THE ESCROW ACCT BECAUSE WE THE TAXES FOR XXXX AND XXXX WERE NOT REMITTED TIMELY. THE TAXES IN XXXX WERE PAID ON TIME AND WE HAD ARRGMTS FOR XXXX FOR THE {$98.00} DUE, WE NEVER RECEIVED ANY DELIQUENT NOTICE FROM OUR COUNTY TAX OFFICE BECAUSE WE PAY ON TIME. MY MOM COUNTY TAXES ARE ONLY {$300.00} AND MT BANK IS CHARGING HER AN EXTRA {$150.00} A MONTH. I SPOKE WITH XXXX A SUPERVISOR IN THE TAX CUSTOMER SERVICES CENTER ON XX/XX/XXXX HE ADVSD HE WILL RESEND TO ESCROW. I ASKED TO SPEAK WTH AN ESCROW REP HE REFUSED ADVS TO WAIT UNTIL THEY SENDS A LETTER. I ADVISED HIM IN 15 YEARS WE HAVE NEVER HAD A PROBLEM WITH PAYING THE HOUSE NOTE OR TAXES BUT NOW MT BANK WANTS TO OPEN AN ESCROW ACC WHICH WE REFUSED AND PAY TAXES THAT THEY SHOULDNT PAY. BECAUSE MY MOM GETS COUNTY AND CITY ASSISTANCE AND HAVE BEEN FOR YEARS. ALSO WE HAVE LEFT SEVERAL MESSAGES FOR XXXX XXXX XXXX TO CALL BACK, AND SHE HASNT CALLED PERIOD. ALSO LEFT MESSAGES ON HER VOICEMAIL, AND NO CALL BACK. ALSO LEFT MESSAGES FOR HER SUPVISIOER TO CALL BACK AND NO CALL BACK. MT BANK PREYS ON THE XXXX COMMUNITY AND NEEDS TO CLOSE DOWN. MY MOM HAS BEEN PAYING ON THIS ACCT FOR OVER 15 YEARS AND STILL OWES XXXX. SHE HAS ALREADY PAID OVER {$31000.00} AND WAS ONLY GIVE ABOUT 15K.
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| 07/19/2019 |
Yes |
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- Struggling to pay mortgage
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|
Web |
Older American, Servicemember |
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ON XX/XX/2019 I WAS FRAUDED FOR THE AMOUNT OF XXXX. A PERSON BY THE NAME XXXX XXXX STATING THAT HE WAS FROM THE LOAN MODIFICATION DEPARTMENT FROM M AND T BANK MORTGAGE COMPANY. HE STATED HE WAS REACHING OUT TO ME REGARDING THE LOAN MODIFICATION REQUEST I HAD LOOKED INTO A SHORT TIME BACK. HE STATED THEY WERE ABLE TO HELP ME WITH THE LOAN MODIFICATION AT THIS TIME. HE STATED THAT I HAD TO PAY THE ESCROW FEE OF XXXX IM LIEU OF THE REGULAR PAYMENT. THEN THEY COULD PROCEED WITH THE MODIFICATION. AFTER SPEAKING WITH HIM FOR A SHORT TIME HE ASKED WHAT WOULD BE A REASONABLE PAYMENT AND I TOLD HIM ABOUT XXXX A MONTH. SINCE I AM ON A RETIRED INCOME BUDGET. HE SATED THAT HE COULD LOWER THE PAYMENT TO XXXX MONTHLY. THAT THE FIRST 3 PAYMENTS WOULD BE THE TRIAL PAYMENTS AND HAD TO BE ON TIME. AFTER SPEAKING WITH HIM I CALLED M AND T BANK USING THE NUMBER I HAVE ON MY PHONE AND VERIFIED THAT IF SOMEONE FROM THE MODIFICATION DEPARTMENT CALLED ME A N EMPLOYEE FEMALE STATED YES THAT THEY DO CALL OUT AND REACH OUT TO CUSTOMERS. SO I PROCEEDED WITH EXCITEMENT THAT IT WAS /HE WAS LEGITIMATE. I MADE THE FIRST PAYMENT AS STATED ABOVE. HE ALSO STATED NOT TO MAKE THE REGULAR PAYMENTS THAT THE NEW AMOUNT WOULD BE THE NEW PAYMENTS. WHEN I WAS GOING TO MAKE THE SECOND PAYMENT SOMEONE TOLD ME THAT A MORTGAGE COMPANY WOULD NEVER ASK FOR A MONEY CARD TO MAKE A PAYMENT. SO I CALLED M AND T BANK THE MODIFICATION DPARTMENT AND THEY TOLD ME THEY HAD NO LOAN IN PROCESS AND THEY HAD NOT RECEIVED THE PAYMENT. I SPOKE WITH A XXXX A THERE AT THE REAL M AND T BANK. AND EXPLAINED I WAS A VICTIME OF FRAUD AND IF THEY WOULD WORK WITH ME. ALTHOUGH THEY WERE SOMEWHAT SYMPATHETIC, THEY SAID I HAD TO PAY TWO PAYMENTS BY END OF XXXX TO AVOID FORECLOSURE. SINCE THEN I HAVE FILLED OUT AND MAILED A MODIFICATION PACKAGE ON XX/XX/2019 AND SET UP THE PAYMENT FOR XX/XX/XXXX FOR THE TWO MONTHS. I ASKED IF THEY COULD PROCESS THE PAYMENT N XX/XX/XXXX THAT I WOULD HAVE THE MONEY NEEDED IN BANK BY THEN. THEY SAID NO THEY COULD NOT WAIT UNTIL XX/XX/XXXX. THAT I HAD TO HAVE THE PAYMENT BY XX/XX/XXXX. I FEEL SINCE I WAS A VICTIM OF FRAUD THAT THEY COULD WORK WITH ME ALL I NEED IS TIME TO CATCH UP THE PAYMENTS. THEY WERE NOT AS SUPPORTIVE AS I THINK THEY COULD BE.UNDER THESE CIRCUMSTANCES, I AM FILING THE COMPLAINT BECAUSE I BELIEVE THEY COULD WORK WITH ME TO CATCH MY PAYMENTS UP UNDER THESE TERRIBLE CIRCUMSTANCES I TAKE FULL RESPONSIBILITY THAT I MADE A MISTAKE AND WAS FRAUDED.
|
| 09/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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|
Recently I learned of a problem with our XXXX 2015 car payment. The loan is serviced through M & T bank out of XXXX NY. The problem they say is that I did not make it. Normally I make the payment in my local branch and call it in. For XX/XX/XXXX I went in and took care of the payment at my local branch office Normally I go to the branch and have them take the payment from my checking. In XX/XX/XXXX I made my payment over the phone still unaware that there was a problem with XXXX 2015 payment with a live person. Shortly after making my XXXX payment my spouse told me she received a message from the bank about this loan. Knowing I was current I did not call them back until XXXX/XXXX/15. Per this call I was advised there was nothing wrong and even talked about a pay off amount because the vehicle is all most played off. Going forward thinking everything was fine on XXXX/XXXX/15 we received a letter dated XXXX/XXXX/15 stating a problem with our payment and account. I called the bank quickly and learned they did not have XXXX 2015 payment. Shocked as I was I advised that I would check my checking account statement and ended call. After review of my XXXX 2015 statement it was clear the payment was not taken from the checking account. I returned a call back to the bank on XXXX/XXXX/15 and learned they have applied my XX/XX/XXXX payment to XX/XX/XXXX and have applied XXXX late fee 's for {$56.00} dollars. I explained that the account has never been late and I was not sure what happened with the XX/XX/XXXX payment. I also agreed to get it made up. I requested them to remove both late fee 's due to them not telling me when making my XXXX 2015 payment over the phone there customer service rep failed to explain my XX/XX/XXXX payment was getting applied to XXXX 2015 payment. I explained this was wrong for them to do without telling me and also advised on XXXX/XXXX/15 was told everything was fine. They admit no wrong and could see it noted on the account I called on XXXX/XXXX/15. M & T refused to remove both fee 's. I feel I have been treated unfair and unjust. The bank mistreated me because they did not inform me of the problem when making my XXXX 2015 payment I incurred a XXXX late fee 's. The Supervisor that I spoke with on XXXX/XXXX/15 admits they are not responsible for miss-informing me on XXXX/XXXX/15 everything was fine. I have the name and employee ID of the Supervisor that refused to remove both late fee 's
|
| 04/08/2015 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
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I have been misled by the representatives of M & T Bank and I can not understand the poor treatment I have received during the servicing of my mortgage loan. I have lived in my home since XX/XX/XXXX, and I 'm an active member of the community ( I volunteer with my church and with my son 's school ). But I am in jeopardy of being forced out of my house through foreclosure because M & T Bank refuses to work out a reasonable solution.
This property has had its issues since I purchased it. The appraisal and inspections failed to inform me of the XXXX unit being old ( I had to immediately replace it ) and of the foundation issues I had to repair. But this is my home!!! I worked hard to get this home and I want to keep it.
In XX/XX/XXXX, I lost my job as a XXXX since XXXX forced them out of business. I struggled by using my savings until I could n't anymore and fell behind on my mortgage. After back and forth trying to get help, the lender offered me a forbearance agreement that I complied with. Eventually I got another managerial job and applied for a modification, but all M & T offered me was an unrealistic and irrational proposal which only dropped my payment by $ 100/month, which was n't going to help me.
Their entire operation operates like a group of bullies and thugs, not businessmen. While trying work with them on a solution to this problem, the representative ( XXXX I believe ) told me I should just " put it up '' ( meaning put my house up for sale!!! ). She knew I was n't going to get the help I needed to save my home!!!
I want their office to take a hard look at the servicing history of my loan and the possible retention options so I can get back on track with my mortgage. Is n't that what they are obligated to do after taking my tax dollars to bail their business out? I 'm not asking for a handout, just a fair and reasonable solution that allows me to keep my home.
M & T Bank has turned my life upside down with their deceptive, unethical, and probably illegal activities. I am very kind, but also tough and resourceful. I am left with no choice but to engage elected officials and regulatory agencies to help me against this lender. I would have preferred to deal with them directly, but they have proven that their organization just another greedy company interested in profits without care for the well-being of their clients. I would appreciate any assistance in resolving this matter.
|
| 07/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
|
On XX/XX/2021, I called customer service at M & T Bank, where I have a checking account. I asked about the policy related to the negotiation of a USPS money order. I was told that maybe the XXXX, Maryland branch would cash it, but my funds could be held for up to five days. I attempted to cash the {$1000.00} USPS money order at M & T Bank, XXXX, Maryland. First, the cashier said that she could not cash it. The manager then stated that I could deposit the USPS money order in the ATM and withdraw {$250.00}. I deposited the money order and was not able to withdraw {$250.00}, so the manager overrode the system, giving me {$250.00}. However, this caused my account to be overdrawn.
I then received a highly offensive letter from M & T Bank dated XX/XX/2021 stating that " We have information that indicates that the check may not be paid '' -- essentially accusing me of the unlawful act of attempting to pass a fraudulent money order ( they referred to it as a " check '' in this offensive letter ). This offensive letter further stated, quite falsely that, " These funds will be available on the 5th business day after the day of your deposit. Ten calendar days and seven business days have passed, and I still do not have access to my funds. M & T 's app and website both indicate that I have an available balance of $ XXXX, yet when I attempted to transfer funds to my other bank account, I received an extremely offensive email that fraud had mostly likely occurred on my account.
I called M & T 's customer service again. The agent " promised '' me that my funds would be available by the morning of XX/XX/2021 -- erroneous and false information. Relying upon this false statement XXXX, once again, attempted to transfer funds to my other bank this morning, XX/XX/XXXX. I was unable to transfer my funds as they are still not available.
Since depositing my USPS money order, each time I have attempted to access my account, whether via the app or the website, I am asked security questions. This is also quite offensive to assume your customer is a criminal for depositing a financial instrument.
I called customer service, yet again, this morning. I spoke with the first helpful customer service agent, a supervisor named XXXX. She informed me that although I had received assurances that my funds would be available, a fraud investigation has been launched and she did not know when my funds would be available.
|
| 04/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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I have been a customer of M & T Bank for 11 years. I have had 9 accounts with them. Some trust accounts and some LLC accounts, as well as some accounts where I am listed as power of attorney.
For all of this time, every few months, I would email my banking representative at their bank and request a reversal of the service charges to my LLC accounts ( 4 accounts total ). They would immediately reverse the last 3-4 months of charges.
Suddenly, when I emailed my banking representative on XXXX XXXX, XXXX, she told me that was not the policy ( note : she didn't say that was no longer the policy, rather that it had never been their policy ). I was quite surprised.
As a result of the bank representative 's surprising notification, I informed the bank in writing of the following requests : - refund of the services charges until the date that they decided not to refund any longer - notification in writing of the change in policy - notification in writing of a start date of the new policy so that I can decide whether to remain with the bank or change banks- providing me with the new terms of my accounts in writing- the minimum required to avoid services charges, for example.
Her branch manager and the regional manager both told me that they will not refund any money to me for the service charges suddenly charged. Though I have repeatedly requested a copy of the new terms of the accounts, they have both refused to provide them to me in writing and have not provided them to me in writing. They have told me orally, though once I was told by the branch manager that she will not tell me the minimum required in the accounts.
I am writing to request a refund of {$62.00} which is the amount of service charges which were charged that should not have been charged without notification in writing of the change in policy.
Note : I have closed all accounts with the bank except for the accounts on which I am listed as a power of attorney.
Note : The bank claims there was no change in policy, rather merely a decision to enforce a policy that already existed. I claim that in and of itself is a change in policy and required notification in writing prior to enforcing the policy they claim already existed.
Note : The branch manager told me in XXXX that they would not be reversing charges anymore. But then my banking representative did reverse the charges regularly to date, so I thought she was mistaken.
|
| 01/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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M & T bank issued me a letter on XX/XX/XXXX specifying that my hazardous insurance has expired and that the bank plan to buy. Also, the bank ask that I should provide insurance evidence as soon as possible and fax or mail to the bank.
So I called bank, roughly on XX/XX/XXXX, asking how many days that I have to buy the insurance ; bank rep. answered that I have 45 days before bank forcefully buys for me.
I called insurance agent and purchased the insurance on XX/XX/XXXX ( within 45 days of bank notice ). The insurance I purchased covers from XX/XX/XXXX - XX/XX/XXXX.
On XX/XX/XXXX M & T bank issued second letter that I need to provide evidence of insurance for the period of XX/XX/XXXX thru XX/XX/XXXX else they will charge me {$1300.00}.
I called the bank and mentioned that I did not receive any notification about my insurance was going to expire on XX/XX/XXXX. The rep. also acknowledged that she does not see any notification issued to me from M & T prior to XX/XX/XXXX about getting insurance renewed. The only notification she sees about hazard insurance expiration from the bank was issued on XX/XX/XXXX.
I followed bank instructions and did the due diligence to purchase the insurance for one year and provided evidence to them. The bank DID NOT state any timeframe or dates on the " first letter '' that I need to purchase or cover the insurance for. The bank DID NOT issue insurance expiration notification prior to XX/XX/XXXX. So after I acted on the bank instructions to purchase the insurance and provided the evidence, the bank now wrote specifying to show evidence of past dates coverage ( XX/XX/XXXX thru XX/XX/XXXX ) on the " second letter ''.
To cap : bank did not issue any notification of insurance expiration prior to XX/XX/XXXX. The bank did not specify any date on their 'first notification letter that I get coverage ( XXXX ) on XX/XX/XXXX. After I purchased the insurance, the bank now releasing the dates. Their communication to me was vague or not clear.
I respect our financial institutions but in my situation M & T did not provide notification early on insurance expiry, did not communicate clearly on its notifications that I get insurance for specific dates. We, the consumer rely, on our institutions for clear guidance to act fairly and in timely manner.
I should not be charged for the period XXXX thru XX/XX/XXXX for the insurance. This is my issue and dispute with M & T bank.
|
| 08/13/2022 |
Yes |
|
- Trouble during payment process
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|
Web |
Older American |
|
My mortgage servicer, M & T Bank, has been waiting to apply my mortgage payments to my account, charging me erroneous late fees, harassing me with late payment phone calls when my mortgage was paid, and marking me late on my credit report for the last XXXX years.
I have tried on several occasions to resolve this on my own with M & T but XXXX received any help of any kind. I have called on several occasions, written a letter, and even sent in proof of the receipts to show when my mortgage payments were made.
Every single mortgage payment in this time period has been made the exact same way. I cash my check at the XXXX M & T branch closest to my home, then give the teller the cash to pay my mortgage payment. Every single payment I have made has been made prior to being XXXX days late on my mortgage payment, and I have the receipts to prove it. However, my credit report shows otherwise. I believe that I have not had a late payment since prior to XXXX of 2020. In XXXX of 2020, I caught up on my mortgage. I believe I was XXXX months late. This was due to my XXXX being XXXX and XXXX in my home.
Having these late payments on my credit report is hindering me from being able to sell this house and purchase a new house, which I need to do to be able to bring my XXXX XXXX here to live with me. I have been told by more than XXXX mortgage company that I need to have a cleaner payment history in the most recent 12 months to meet mortgage underwriting guidelines. Additionally, this has destroyed my XXXX XXXX, preventing me access and/or reasonable terms to multiple different forms of credit.
I will attach the following documents to show proof : - A written timeline/ outline that shows the date the payment was made, the amount the payment was made for, what months mortgage payment, if I should have accrued a late fee for paying after the XXXX of the month, when I did pay late fees, and the late payments that appear on the credit report broken down by year - Copies of all receipts from M & T Bank XXXX specify the date the mortgage was paid and for how much - A copy of my most recent credit report - A copy of my most recent letter from M & T showing I have tried to resolve this on my own. I have additional letters, but Id have to look for those letters. The letter shows that my cash mortgage payment is not being applied when it is received.
- A copy of my most recent monthly mortgage statement
|
| 02/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American, Servicemember |
|
I financed a motor home through M & T Bank and have made every payment!!
The first thing I noticed with this lender 's business practices was how obsolete their installment loan department is ; they only have fax machines and a horrible computerized answering machine that takes forever to reach anyone, and they keep cutting you off. It generally takes 1 to 3 hours of phone waiting to discuss any issues with them. I have been on hold for over 45 minutes before. No online email presence unless they are selling you something or spamming you. It is very difficult for the consumer to communicate with the installment loan department.
The second thing I noticed was even if the payment was made timely my records ), it appeared the payment would not be posted for several days resulting in late payment fees. Due to traveling around the country in a motor home, I did not find it financially feasible to correct these issues, which I really should have.
Lately, I find the lender claims no payment was made in XX/XX/XXXX, which my online banking records indicate was paid ( discrepancy found researching tax records ). No notification was given to me, and late charge fees have been applied to this account since then ( without my knowledge ). Upon searching back for tax records, I discover the charges and contacted the lender 's installment loan department. I was rudely told that this was my fault because I did not update my phone number ( cell # ) and address, yet I received a email statement from them every month. I could have been notified through that email address instead of being pumped to open additional accounts! I have found ( with a magnifying glass ) the small print that states the late fees only after being informed of their location on the statement. In contacting them, I was informed that I needed to pay all the churned late fees as well as the missing payment I have already made once, and they would then check into it.
In the forty plus years as a real estate appraiser observing the predatory practices of lenders, I have never seen a lender as unscrupulous as this one. Please advise as to what records you need from me to verify my claim. All of my bills are paid through XXXX 's bill pay, and those records are available for verification, but how much of it do you need? From XXXX to XXXX? Is there a way to be more specific, that's a lot of paper and a really big file to upload?
|
| 06/17/2019 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
M & T Bank is the servicer for a VA Loan I have for a property located at XXXX XXXX XXXX ; XXXX XXXX, MN XXXX. They assumed this mortgage from XXXX XXXX and have been generally horrible, especially for escrow related issues. They performed an escrow analysis shortly after assuming this mortgage upon my request, which found a deficit and they subsequently raised my minimum monthly payment, BUT they have refused all of my attempts to try to pay this deficit to try to reduce this payment amount again. I literally sent them {$300.00}, which essentially is the amount of the deficit to try to get them to reverse the payment increase and after being on a phone call today for over 2 hours, and it being escalated all the way from a general employee, to a supervisor, to a manager, I was told there was nothing they could to because their policy does not ever permit customers ( including VA Loan customers ) to pay the amount of a deficit. I am so angry about this policy because XXXX XXXX never did this. Also, M & T Bank actually told me on phone calls on XX/XX/XXXX and XX/XX/XXXX that they they would get it done. I was concerned that I had not received the new analysis and so I called again today and was told that there was nothing they could do.
I separately contacted the SCRA division of M & T Bank to try to get their help and they refused to do anything. Please make them stop doing this practice.
A secondary issue is also that they make it very difficult to set up automatic payments to have the mortgage pay early. This is a huge problem for veterans and their dependents because they can be out of the country on XXXX and so they are taught that it is important to try to be early on your mortgage just to avoid any problems. I have tried so hard to do that with them, and I think it is now in the process of being resolved. First I was told that it was not possible, then I was sent a form to try to make it possible, then I was told that the form was actually the wrong form that I filled out and that a new form would be sent. All of this is extremely antiquated and unacceptable, because it should be something that can easily be done via the website or over the phone like XXXX XXXX would do. Honestly, I think M & T Bank 's ability to assume VA Loan 's should be blocked until they can show that they have the ability to treat veterans and their families properly like other banks already do.
|
| 07/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
On XX/XX/XXXX I attempted to close my business checking account with M & T Bank. I emailed the bank my request. Five days later, no one from M & T had bothered to answer my email so I sent the bank a second email stating that, as far as I was concerned, the account was closed. The bank charges a {$50.00} account closure fee, so I withdrew all but {$50.00} from the account. Finally, on XX/XX/XXXX, " XXXX '' replied to my email and informed me that in order to close the account I would have to either write a letter to or visit the branch where I opened the account. Obviously, the bank wants everyone to have to jump through as many hoops as possible in order to close their account, but what she told me was a blatant LIE I read every page of M & T 's Commercial Deposit Account Agreement after I opened the account, and this is what the agreement states regarding closing an account. It is Provision 25 ( d ) of the agreement : " Client must provide Notice to M & T to close an Account. '' That is ALL that it states. On XX/XX/XXXX I replied and notified XXXX that if my account wasn't closed by XXXX I would immediately file formal complaints with the XXXX XXXX Md. Office of Consumer Protection, the CFPB, Md. Attorney General XXXX XXXX XXXX, and the Federal Reserve Board. Early this afternoon, someone from M & T called me and told me that she would have to get permission from the manager at the branch in which I opened the account in order to close it. ANOTHER LIE. Nowhere in the Commercial Deposit Account Agreement does it state that an account can only be closed after receiving approval from a branch manager. I have no idea who manages the branch and have never spoken to him or her. Later today I saw that my account had been closed. I also saw that the bank charged me, and then waived, a {$20.00} " Final Analysis '' charge. I'm glad that it had been waived, because I have M & T 's XX/XX/XXXX Corporate and Institutional Deposit Account Fee Schedule, and nowhere on the schedule is a " Final Analysis Fee '' even listed.
Even though my account was closed today, I'm still filing my complaints. At best, M & T is making it more difficult for customers to close their accounts than it should be, but I think it may also be egregiously breaking the law. Therefore, even though the OCC doesn't directly regulate M & T Bank, I'm going to send a copy of my complaint to the OCC as well.
XXXX XXXX XXXX
|
| 09/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
jumping to few months back XXXX XXXX XXXX ) ... rather beginning the story from XXXX.
around the month of XXXX i had contacted M & T Bank customer service regarding why i got enrolled into forced escrow program. was told because they paid the back taxes, i told them i paid them and sent the proof of payments via email to the email they provided me.
then another call i made to follow up regarding how the increase is was too much for me and again, why did it go into escrow?!? rep told me : " oh if you send {$530.00} and request to be removed via email to the same email address, it will be removed from escrow and then you 'll be responsible for taxes '' i said - " fine ''.
no resolution and then i received a statement with a balance of {$5200.00}!! i called again and was told to send an odd amount of {$750.00} on XXXX and went to a local branch and made cash payment. at the branch had to call customer service with the teller because the teller had know idea what to do with the payment. customer service explained it to her and took my payment. still did not remove me from escrow.
called after day to confirm the payment and still no help and then was transferred to home owners assistance program. i explained the hardship situation to the guy and the guy said " sorry there 's nothing we can do. '' my mortgage jumped from {$1900.00} to {$2500.00} which is a {$600.00} increase that i ca n't afford because of the forced escrow program without any notification.
my tax XXXX gross income was {$54000.00} struggling to survive with other expenses and life. i 'm sacrificing money to go to M & T bank mortgage because i do n't want to go into foreclosure.
XXXX XXXX i went into XXXX XXXX and i do not have health insurance because i ca n't afford it. i am going to get hit with approx $ XXXX XXXX bill and do not know what i 'm going to do.
on another note : i 've also called a few times last year to ask to reduce my 6.25 % interest rate and again was told there 's nothing they can do i guess if fine with the escrow program but i need help to reduce my payments so i can continue to live at my home. i 've asked on multiple calls what can we do and continued to say " there 's nothing we can do '' or " when you go into default, then maybe we can help '' which i do n't want to do to jeopordize my credit which i 'm slowly re-building.
hope you can help? thank you in advance, XXXX XXXX
|
| 03/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Thank you for the opportunity for XXXX to bear witness to your failure to respond to the issues I presented in my complaint # XXXXXXXX_through the CFPB. The issues which you avoided went right to my fundamental right to be free from inaccurate reporting as well as fraud and identity theft. One can only assume that the avoidance of those issues is an indication that you have more to hide. Your company failed to provide a responsive answer which would satisfy my right to information requested. I wish to make public notice of the following : 1. Notwithstanding the production of any substantively admissible facts to the contrary, the following shall stand as facts not reasonably in dispute in any adversarial proceeding : a. Your company furnished negative information to one or more consumer reporting agencies as evidenced in the above referenced complaint. ( See exhibits in the above referenced complaint ID # ) b. I filed a complaint with the cfpb. The complaint challenged the legal sufficiency of your actions.
c. Your companys response appears intended to misrepresent and mislead me into believing that your company is in possession of sufficient substantively admissible facts to establish your right to report or collect on an alleged debt without having produced said facts.
d. Your company has failed to provide me with substantively admissible facts sufficient to show that you have or had my express written authorization to use my personal identifying information in connection with the collection of the alleged debt in question.
e. Your company has failed to provide me with verification of the alleged debt in question or contract in the form of a credit application.
f. Your company has failed to provide me with substantively admissible facts which would show that I have agreed to any terms and conditions relative to an agreement with your company.
g. Without a witness to swear to proof of service/proof of mailing of any billing statements, I am forced to deny the existence of any such account stated.
h. Since the filing of the CFPB complaint specified above, I mailed a complete denial of the existence of any alleged debt and such mailing was not returned to me as undeliverable.
i. Your company has portrayed me in a negative light to one or more consumer reporting agencies and in an unconscionable attempt to cause me to surrender money, rights, or property.
|
| 03/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Thank you for the opportunity for XXXX to bear witness to your failure to respond to the issues I presented in my complaint # XXXX through the CFPB. The issues which you avoided went right to my fundamental right to be free from inaccurate reporting as well as fraud and identity theft. One can only assume that the avoidance of those issues is an indication that you have more to hide. Your company failed to provide a responsive answer which would satisfy my right to information requested. I wish to make public notice of the following : 1. Notwithstanding the production of any substantively admissible facts to the contrary, the following shall stand as facts not reasonably in dispute in any adversarial proceeding : a. Your company furnished negative information to one or more consumer reporting agencies as evidenced in the above referenced complaint. ( See exhibits in the above referenced complaint ID # ) b. I filed a complaint with the cfpb. The complaint challenged the legal sufficiency of your actions.
c. Your companys response appears intended to misrepresent and mislead me into believing that your company is in possession of sufficient substantively admissible facts to establish your right to report or collect on an alleged debt without having produced said facts.
d. Your company has failed to provide me with substantively admissible facts sufficient to show that you have or had my express written authorization to use my personal identifying information in connection with the collection of the alleged debt in question.
e. Your company has failed to provide me with verification of the alleged debt in question or contract in the form of a credit application.
f. Your company has failed to provide me with substantively admissible facts which would show that I have agreed to any terms and conditions relative to an agreement with your company.
g. Without a witness to swear to proof of service/proof of mailing of any billing statements, I am forced to deny the existence of any such account stated.
h. Since the filing of the CFPB complaint specified above, I mailed a complete denial of the existence of any alleged debt and such mailing was not returned to me as undeliverable.
i. Your company has portrayed me in a negative light to one or more consumer reporting agencies and in an unconscionable attempt to cause me to surrender money, rights, or property.
|
| 05/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have a mortgage with M & T Bank and I truly believe that they have applied my payments or paid off someone else 's mortgage. I have a friend who worked for this bank in the Collections Dept. and told me to call the bank and ask for every payment that I have made, which I did. In which I only received XXXX. I have had my mortgage with them since XXXX. I called to inquire why I only received these dates they in turn told me " Oh we purge files after so many years. '' According to my friend M & T acquired 4 accounts from other banks, and the records were merged. M & T actually paid of several wrong car payments. In XXXX I was struggling to pay my payment ( never once was I late ) and called M & T to see if they had a program to help and I was making Bi-weekly payments, and when I went back to regular monthly payments, I was told that " I took 4 years off of my mortgage. When I called recently they told me that I was not told the truth. My mortgage payments started XXXX a month and when they jumped my mortgage in XX/XX/XXXX it went from XXXX to XXXX as they put it " do to the rise in your taxes '' I was never notified of this and they fought with me and said they did. I called to get a payoff in XXXX of XXXX {$40000.00} I looked the other day and it's XXXX also saw a recoverable corporate advance for XXXX I called the bank and demanded to speak to a supervisor and he said " That was a charge for you trying to refinance last year, which I refused because it wound up being a second mortgage without ever being told. I told " XXXX '' the supervisor that they are hiding things, why I never received ALL the years of payoffs, and he denied the acquisitions then when I mentioned my friend he finally admitted that in fact they did acquire other notes from these banks. XXXX is suppose to send me every payment I made, which will be XXXX years this XXXX. I was also told by XXXX that because my late husband and I lowered our interest rate from 8.5 % to 6 % that counts as a second mortgage this was done over the phone and was never told that this is how it works and I never received any paperwork at all, which seemed very strange to me.I spoke with XXXX on Monday XX/XX/XXXX and he told me he would look into this ASAP and I have never heard another word. XXXX also told me I should pour more money into my payment towards the interest that is why I am now paying XXXX.
|
| 08/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter in the mail dated XX/XX/21 from a collection agency, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ with the following information : CREDITOR : M & T BANK FEES : {$50.00} TOTAL BALANCE : XXXX CHARGE OFF DATE : XX/XX/2021 it stated the above referenced creditor has placed your account with our office for collection, blah, blah blah. I am appalled, M & T Bank has been my bank for years and I had my mortgage, checking, line of credit, visa card, etc. with them and never late, never missed a payment, paid early, everything right and they send a collections letter for {$51.00}!!!!
I contacted the branch office in XXXX, NJ around XXXX Monday morning and got a representative named XXXX that said she would research this and get back to me, and she did at XXXX. XXXX asked if I wrote in to cancel the account, I told her that I did not recall writing in to cancel when I paid off my mortgage and paid off my line of credit, my Visa card is still open with a XXXX card balance. XXXX then said there was nothing she could do for me because the bank did nothing wrong, the charge was a service charge because the checking account was attached to the line of credit and needed to maintain a certain balance to be service fee free, of which I was not made aware of at the time, I even forgot about and if I was told this was all during COVID time and told her I would have asked to close all accounts. XXXX said I would have been told that the checking I would need to come in or write in and have the letter notarized although the other accounts were closed on-line, not their fault so a service charge was added and I needed to pay it.
XXXX said she would " Bubble it up! '' and pass it along, not sure what that meant but I told her I would pass this complaint on myself and she said. " okay, that's fine '', I said even after I've been an exemplary customer, spent thousands of dollars with M & T, never late and this would mess with my credit you just wan to say, you will " Bubble it up! '' What does this mean? I said I will just complain to the CFPB, she did not care and we hung up. t 's sad when a bank doesn't care about a thousands of dollars customer and will send them to collections for {$50.00} and mess with their credit even during COVID times. What have we come to and it's fees for something that I don't even own or did not make for myself, they added the fee!
|
| 03/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I 'm writing to you in need of help because foreclosure complaint has been filed against me. I here by submitt the facts for your review and assistance for my loan modification pending with M & T Bank. Here are the reasons why : 1. Failure to respond to Foreclosure complaint within the time frame with advice given to me by my servicer 's XXXX XXXX XXXX XXXX, XXXX, representative XXXX XXXX stating the Modificiation would be approved in the immediate future, which was totally misleading and has jeopardized my standing and rights in the Florida Judicial System. 2. Plaintiff violated Federal Law when filing Foreclosure Complaint, a violation do Federal Government Dodd Frank Act, known as " Dual Tracking. '' You can not file a Foreclosure Complaint or continue foreclosing on a borrower who is in the Loan Modification process. 3. Plaintiff and Servicer, both are negligent in allowing such action to take place knowing borrower was in The Loan Modification process. 4. Borrower, single parent raising ( XXXX ) children has been exposed to undo stress, anxiety and threat of losing home as a result of Plaintiffs illegal action and not to say the emotional distress the children have been exposed to. 5. XXXX XXXX, Plaintiffs Servicer continually subjects Borrower to poor servicing, asking multiple times for same documentation, and threatening Foreclosure as they say I am NOT in " Compliance '' with the HAMP Guidelines which is a total fabrication. 6. XXXX XXXX continually fails to answer or return calls, answer emails and subject me to more stress, frustration and sleepless nights. 7. Plaintiff fails to provide proper oversight of Servicer and their Federal Violations as outlined and required by " The Consumer Financial Protection Bureau '' enacted by Federal Regulations Act under Dodd Frank Law. 8. Borrower is writing a Formal Complaint to the Consumer Financial Protection Bureau asking for assistance and intervention with both M & T Bank and XXXX XXXX XXXX XXXX to ask for sanctions against both entities for these Federal violations and the approval of my loan modification. 9. Plaintiff and Plaintiff 's Servicer have failed to follow " Consumer Fair Debt Practices '' also a Federal and State violation. 10. Plaintiff for weeks and weeks has stated the modification is with the unwriter and borrower will be notified any day and that day has yet to come.
|
| 06/01/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I signed up to M and T auto draft on XXXX/XXXX/2015. The purpose of auto draft was for M and T to automatically draft my payments for my mortgage. M and T sent me an email thanking me for signing up for the service on XXXX/XXXX/2015. The email stated that I did not need to reply and I received no further correspondence in regards to the auto draft. All bill notices I receive from M and T indicate that if I am signed up for auto draft, the bill will be automatically paid. I have attached those emails.
On XXXX/XXXX/2015 a letter was sent to me indicating that I could lose my home due to failure to make payments. I immediately contacted the bank after receiving the letter and made the payment of the phone. I wanted to dispute the late charges as I felt it was due to an M and T error/ miscommunication. I also wanted confirmation that it was not reported to the credit bureaus as the late payments were due to M and T not auto drafting. The person on the phone said they could not do that. I asked how I could follow up on that and the rep on the phone stated I could write a letter or go to a branch.
I went into the branch at XXXX XXXX XXXX, XXXX NY XXXX on XXXX/XXXX/2015. In the branch I reviewed my concerns and made the above requests. This was escalated to the branch manager and they said they would look into it. I also asked to file a formal complaint and for documentation on M and T banks complaint procedure. The representatives stated that they could not provide this to me and that I could not file a complaint in person in the branch.
I am at an absolute loss for what to do and I feel bullied by misinformation and apathy by M and T bank. They have a large amount of control over their customer 's lives and must be accountable for their actions. It is a simple case of an error that they made and they have done nothing to help fix it.
I am requesting the fees to be waived, documentation that they did not contact any of the credit reporting agencies and for them to make filing a complaint easy so that issues can be identified and addressed. I would also like to be pointed in the direction of where I can locate my rights as a consumer when it comes to being able to file complaints with banking institutions. I have dealt with an unnecessary amount of anxiety over this issue with no assistance from the bank holding my mortgage.
|
| 03/30/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I had a checking account with M and T bank. I had an overdraft line of credit with them as well, just to be used if my account was overdrawn. I had this for several years with {$0.00} in fees and a low APR - since it would be a charge of {$10.00} or less and paid off at the end of the month kind of thing.
After the XX/XX/XXXX subprime credit crisis, the terms on the account change. I learned quickly that there was an exorbitant fee ( {$40.00} ) and 27 % APR on the card, compounded what seemed to be daily because I could n't even pay off the balance without more interest showing up.
I moved my checking account to XXXX, and kept my M and T checking account with overdraft line of credit open in case of an unforseen issue.
In XX/XX/XXXX I did a credit check, and got suckered into the " enter your CC number for a free credit report '' scam. I then got seriously ill for 3 months.
During this time the " free credit report '' agency billed me twice for 40 dollars, and then again for 40 dollars which I got reversed.
This ended up hitting my overdraft since it was an empty account no one was supposed to use, for a total of 120 in principal,?? in fees, and then the 28 % APR. By the time I recovered and was able to log back in ( the paper statements went to my old address I no longer lived at ) There was a balance of {$270.00} on my overdraft. Instead of trying to fight the bank since M and T has treated me so badly in the past, I transfered the balance from my XXXX account, and paid my overdraft account. However unknown to me - because of the insane interesting compounding in the 3 days it took to transfer money from my XXXX account just under {$9.00} dollars accrued in the MTB overdraft account.
I called and said close all my accounts, and never spoke with them again.
2 years later when I applied for a car loan, I look at a copy of my credit report and find out MTB sent a delinquent notice to all the credit agencies.
They never called me.
They never sent the NINE DOLLARs to collections.
I was furious, I called M and T and they refused to do anything except let me pay the 9 dollars and stop reporting the delinquent account.
My credit will be impacted for 8 years because of this travesty, please help me.
Because my accoutn is closed I have no paper records of this - maybe if I file a lawsuit with the bank I can subpoena them?
|
| 08/18/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
To Whom It May Concern, I made my mortgage payments on time to my mortgage lender, M & T Bank. My note provides that my mortgage account is escrowed. As a result, M & T Bank is responsible for paying the insurance directly to my insurance company, XXXX. My insurance renewal date was XX/XX/XXXX. M & T failed to make said payment timely and remitted payment to XXXX on XX/XX/XXXX. XXXX cancelled my policy on XX/XX/XXXX and returned the late payment to M & T once they received it. I was not notified of this as XXXX XXXX correspondence went directly to M & T Bank. M & T Bank did not notify me either. I continued making my mortgage payments and was notified by M & T Bank on XX/XX/XXXX that my insurance policy had been cancelled. This was 9 months later. During this 9 month period, there were no indications on my statement that there was an issue with insurance. I contacted XXXX XXXX immediately and paid out of pocket to renew my policy until I sorted the bank 's mistake out. I spent countless hours on the phone with representatives and they ignored my concerns telling me that I needed to make a payment of {$4700.00} to retroactively pay for forced place insurance for coverage from XX/XX/XXXX-XX/XX/XXXX. I wrote a letter to the company on XX/XX/XXXX and they ended up during an investigation. They determined that they did not notify me of their late payment and the cancellation of my insurance policy as a result of their negligence. However, they are still demanding I pay for insurance during the XX/XX/XXXX-XX/XX/XXXX period even though they did not seek force place insurance and the time lapsed without any coverage.Additionally, none of my statements during this 9 month period itemized forced place insurance. Once the issue came to light, M & T bank is trying to retroactively charge forced place insurance on my account. They even issued a declaration page on XX/XX/XXXX stating that XXXX XXXX XXXX XXXX insurance was on the account with no verification in any documents prior that this was the case. Contrary to that, they indicated on XXXX XXXX that they would have to put forced place insurance on my account if I didn't obtain hazard insurance. This was the first letter sent to me alerting me that something was wrong. M & T Bank is attempting to make me financially responsible for their error. I need the help of CFPB to get justice.
|
| 10/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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On XX/XX/2016 I purchased a XXXX XXXX from XXXX XXXX in XXXX XXXX, Maryland. I told the salesperson XXXX to pull my credit for XXXX XXXX XXXX, he replied ok and proceeded to give my loan application to the Sales Manager. XXXX returned and stated that the Sales Manager stated that XXXX XXXX XXXX XXXX was offering me a lower interest rate then XXXX XXXX and that will keep me in the price range of my car payments that I am seeking. I responded yes and instructed him to inform the XXXX not to pull my credit no more after he pull it for XXXX XXXX XXXX. He proceeded to the Sales Manager desk to inform him that I agreed to be financed with XXXX XXXX XXXX XXXX. After everything was done. I went into the finance officer 's office to sign the contract. The signed paperwork stated XXXX XXXX XXXX was my finance company. As time progressed, I did not hear anything from the dealership or XXXX XXXX XXXX so I decided to contact them on XX/XX/2016 since my 1st car payment was to be due on XX/XX/2016. I learned on that date from the finance manager that my car loan was financed with M & T Bank and not XXXX XXXX XXXX. I informed the dealership that I have not received any phone calls from them telling me that the lender changed from XXXX XXXX XXXX to M & T Bank. The finance manager provided me with the number for M & T Bank. I contacted M & T Bank and spoke with XXXX, Bank Manager. She apologized and stated that I can make a payment over the phone. I told her that I was not aware that they were my finance company and that I had no paperwork stating such. She said my simple contract has my signature with their bank name on it. I asked her to send me a copy due to my simple contract stating that XXXX XXXX XXXX is my finance company. To date, I have not received any information from M & T Bank and feels very uncomfortable with giving them any monies without seeing some type of paperwork from that bank. My car payment is already past due from them not sending me no paperwork. I am concerned about XXXX XXXX stating that my paperwork was a typographical error and they were not doing anything deceitful. At the present moment I am in limbo because I do not know where to turn to go to get this matter resolved. I was seeking legal advice. I contacted Maryland States Attorney Office and await a return call. Could someone please assist me in this matter?
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| 12/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I have requested that Hudson City Savings Bank provide me a copy of the monies that were allegedly paid by XXXX XXXX in 2005 for my Hudson City Savings Bank mortgage so I can sell my house. It is by far and wide NOT acceptable practice to rely on pieces of paper filed by others claiming the mortgage was " Cancelled of Record '' without providing SATISFACTION of mortgage and RELEASE OF LIEN along with the required DISCHARGE OF MORTGAGE. I have been warned about being scammed and not getting what I am entitled. I am unable to sell my house because without the requested documentation. I can just take a mortgage stamped " CANCELLED OF RECORD '' and find a buyer to go by my house when there is not proof of title insurance and the sellers signed the Affidavit of title for XXXX XXXX XXXX XXXX, N.J. when the correct address is XXXX XXXX XXXX XXXX N.J. XXXX has no record of getting the money from XXXX XXXX who no record of paying the money. I need to sell the house but the problem is just like many other people on XXXX XXXX there is a major XXXX SCAM going on right now go to the XXXX XXXX site and plug in my address using XXXX XXXX XXXX XXXX, N.J. XXXX and with will retrieve MIN XXXX Now plug in the NON EXISTENT address of XXXX XXXX XXXX XXXX N.J. XXXX you will come up with the MIN XXXX The big problem is they did this for the ENTIRE BLOCK. Please just let me know that you don't have these records because the mortgage was never issued. This happen all over on my block. We all know that it is just about impossible to find a buyer to plunk down {$500000.00} and tell them that you have no proof of the MORTGAGE BE SATISFIED and that you have no proof of THE LEIN BEING RELEASED and there is no proof of the DISCHARGE OF MORTGAGE and on top of that NO TITLE insurance. I am being subject to severe financial harm and anyone would agree please either get me the requested documentation of explain or explain that there was no documentation to give because there was no mortgage. Racketeering draws in people from all walks of life and just plug in any address on XXXX XXXX and XXXX XXXX and you will now what is coming soon. Incidentally the closing attorney XXXX XXXX XXXX was requested to correct the many " mistakes '' he made at closing and has not even made an attempt. XXXX is a sitting XXXX JUDGE ... ..This is not easy but it will get done!!
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| 06/29/2021 |
Yes |
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- Trouble during payment process
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Web |
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- Entered forbearance XX/XX/XXXX as a lot of large projects I was supposed to start were canceled/delayed/severely reduced in cost - Updated the forbearance request throughout the year - M & T Bank ( mortgage servicer ) said I missed 3 payments in XXXX - while in forbearance!
- I can not refi with a legit bank due to this - M & T is refusing to allow to exit forbearance - have been begging them since XX/XX/XXXX!
- I got angry - I told them I was leaving the country MULTIPLE times & to make sure we get the paperwork done. They continually delayed the process, moved the goalposts, requested MANY docs/items/notarized statements that their own " borrower financial report '' didn't ask for.
- Im STILL angry, demanding an update after FOUR MONTHS of attempts to get back on track - These XXXX pieces of XXXX called the POLICE for a " wellness check '' on ME - after I told them 50 times that I AM NOT IN THE COUNTRY. Wellness checks in XXXX have ended in DEATH. This TERRIFIED the tenant & her XXXX year old son. It was borderline IMPOSSIBLE to find someone during COVID to move in & pay rent. If she leaves - XXXX XXXX.
- I have had a great XXXX ( all of my delayed projects in XXXX are happening now. Between the money we have saved, new projects and over $ XXXX in equity - we may have close to $ XXXX to put towards the house : XXXX : XXXX - M & T Bank is REFUSING TO ALLOW ME TO EXIT FORBEARANCE for whatever reason & using the XXXXPD as their PERSONAL XXXX to harass my tenant.
Absolutely inexcusable. They need to face every repercussion imaginable.
Regarding the late payments - they NEVER sent a bill or contacted me to tell me I was out of forbearance during that time. I can not refi with a legit bank due to these marks on my credit, I have the email where I requested the additional forbearance during that period.
Without coming out of forbearance - I can not access the equity to pay off a XXXX lien ( cost has increased $ XXXX since I originally requested the payoff quote due to their incompetence ) and have $ XXXX to put towards the principal, exit PMI, go conventional, get the current interest rates. These XXXX are costing me TENS OF XXXX OF DOLLARS and calling the police on ME while they DO IT.
This is CRIMINAL.
This bank has 0 place in today 's climate/environment. Sanction this XXXX place until they are GONE.
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| 05/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to M & T Bank. Because I was in bankruptcy, to protect my home from illegal foreclosure from XXXX, it was sold as a bad debt, therefore XXXX XXXX XXXX serviced the loan for M & T. I only had 4yrs left on the mortgage. My Chpt XXXX bankruptcy was dismissed in XX/XX/XXXX.
They are absolutely horrible. The mortgage payments that I have paid since XXXX have been wiped from my account. They were never applied to my loan/account therefore M & T thinks I haven't made a payment in 4 years. Therefore they are starting foreclosure proceedings.
I have spoke to M & T bank but they don't have my file and can't see any history on me and said that I have to deal with XXXX. I opened an investigation on XX/XX/XXXX with XXXX 's escalation dept and provided them and their attorney proof of payments since XXXX. XXXX XXXX the escalations supervisor assigned my file to XXXX XXXX but left the company within 24hrs of being assigned my case.
It has now been transferred to XXXX XXXX, who said, yes I have your file but haven't gotten around to reviewing it yet. So you will have to wait until I look at it. Apparently XXXX has given him until XX/XX/XXXX to complete his investigation.
However, M & T isn't being updated on any of this and they are coming after me. What concerns me is that they returned my XXXX payment back to me because it's in foreclosure and they won't accept anymore payments until this is resolved which will force the loan to go further in arrears. XXXX XXXX is the attorney for XXXX.
I have never received a mortgage statement from M & T nor XXXX so I would know where I stand with my mortgage. I believe the mortgage has been paid off by now but who knows. Also my XXXX statements for 4 years have never shown payments nor reduction of principal. My accountant has had to file for a transcript to explain it and I have been battling with them since the start to get a handle of this loan.
XXXX XXXX said - it looks like it has been wiped out of your account.
If you look on the Consumer Affairs website - there are over 200 complaints on each party. I have already spent 10 years recovering from the illegal practices of XXXX XXXX XXXX and now am going through it again with M & T bank & XXXX.
These practices need to end. I'm at risk to lose my home ... ... .again.
XXXX XXXX
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| 09/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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In XXXX of 2016, my husband and I renewed our investment property insurance with ( XXXX XXXX PA, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX ) ( XXXX. Company is XXXX XXXX XXXX XXXX ).
On XXXX XXXX, 2016, my husband and I received a letter ( see attached ) from our investment property Mortgage Company ( M & T XXXX. XXXX XXXX, XXXXXXXX XXXX, phone # XXXX ) stating that we do not have sufficient flood insurance and that our investment property is in a [ Special Flood Hazard Area ]. And the letter went on to state that if they ( the mortgage company ) did not receive updated flood insurance, that they will obtain another flood insurance policy on the property.
On XXXX XXXX, 2016, I called the XXXX of XXXX XXXX where the investment property is located and inquired as to what type of flood zone our property is in. According to the letter sent by the City of Sunrise, our investment property is not located within a Special Flood Hazard Area based on the Flood Insurance Rated Map ( FIRM ). [ See attached letter. ] On XXXX XXXX, 2016, we faxed a copy of the above letter to ( XXXX XXXX XXXX Insurance Agency ) and emailed a copy of the letter to M & T Mortgage to their offered website in their letter XXXX XXXX XXXX.
Approximately on XXXX XXXX, 2016, we received a letter from M & T Mortgage stating that they had placed another Flood Insurance Policy ( see attached ) on our Investment Property, knowing that my husband and I already have sufficient flood insurance on the investment property.
The mortgage company needs to have more respect for laws, policies and for us as property owners. M & T Mortgage does not own us and we are not someone to push and kick around.
M & T Mortgage has falsely placed another flood insurance policy on our investment property causing us the responsibility of XXXX insurance payments. I hope you can inform M & T Mortgage that a federal policy/law is in place on this matter and they are not abiding by it, so they need to. We actually do not have to carry flood insurance because the property is not within the flood zone map, according to the XXXX of XXXXXXXX. But, M & T Mortgage Company goes and force place flood insurance on our property like we are some type of insignificant individuals. And took the flood money out of our escrow already, which I hope you inform them that they need to replace it back.
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| 08/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2023, I was discharged after receiving hospital care at XXXX XXXX XXXX in XXXX, XXXX XXXX. As I was checking out, I had to pay my hospital bill, as well as my hospital cafe bill. These were done in two separate transactions. When it came time to pay the food bill, the total amount was XXXX XXXX XXXX ( about XXXX USD ). The hospital instead charged me in USD, charging nearly {$5000.00} in excess of the amount that I was supposed to be charged to my debit card.
The hospital soon realized the mistake and promised to fix it. I also submitted a claim with my bank, M & T bank, about the fraudulent charge. I submitted the receipt, as well as emails and texts with the doctor in which he acknowledged the problem, and promised to help fix it. Ultimately, M & T bank denied my claim, as they said the hospital was telling them the charge was not fraudulent. This was in direct opposition to what I was told. The food bill for a hospital stay in XXXX being XXXX USD is not a possibility. Menu is attached to show the cost of food items- over a four day hospital stay I had accrued a bill of XXXXXXXX XXXX XXXX, but doing the same in USd would've taken months, as all food options were very inexpensive.
Despite saying they would help me, XXXX XXXX hospital has kept my nearly XXXX USD, claiming it is not a fraudulent charge. They have committed fraud against me and robbed me of a massive amount of money, and my bank is being no help in recovering the funds.
M & T is claiming the XXXX USD charge was to pay my hospital bill. This is false, as you will see in my submitted evidence that I paid my hospital bill ( XXXX USD plus 3.5 % credit card fee ). I am also submitting credit card bill to show I paid the hospital medical bill on my credit card, and the debit charge was separate, and fraudulent.
You will see in attached bill I paid my XXXX USD hospital bill ( XXXX + credit card processing fee ) on XX/XX/2023 via credit card at XXXX XXXX local time. The fraudulent charge of XXXX occurred later, at XXXX ( XXXX XXXX ). This was outside of hospital financial office operating hours, so it does not even make sense that this charge could've been for my hospital bill.
See attached documents for these two separate charges to see why one was for the hospital bill, and the other a fraudulent charge at a not agreed upon amount.
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| 05/14/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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My name is ... and Im writing to you to complain about the response I received from M & T Bank to my request.
On XX/XX/XXXX I sent by mail and email my request to M & T Bank, along with the documentation ( attached ).
On XX/XX/XXXX I finally received an answer from the bank, by email, after I requested it by phone ( attached ). I noticed that the response its automatically generated by the software, it is not addressed to myself and does not contain any explanation related to the case I brought to the banks attention.
In fact, Im the third borrower, along with my ex in-laws ..., .., on a property located on ....
In XX/XX/XXXX, I got divorced from my ex-husband ... and stipulated in the divorce agreement, that he will be starting the process of removing my name from the mortgage obligations, as well from the title and deed. He was the one who took care of all mortgage obligations, on behalf of his parents. He started the process to fulfill those obligations ; unfortunately he passed away on XX/XX/XXXX. The mortgage payments were made by my ex-husband estate for more 3 months ( XX/XX/XXXX XX/XX/XXXX XXXX On XX/XX/XXXX, I started the legal process through the court to remove my name from the mortgage, title and deed obligations, and substitute myself with the estate of XXXX XXXX.
On XX/XX/XXXX, ... t granted my motion to name the Estate of ..., .., Administrator ( the Estate ), as the substituted party in place of plaintiff, ... ( attached ).
In the light of all these, I consider the bank did not evaluate my case with proper attention.
Im a client of the bank and definitely I was not treated accordingly.
My case is very complex and thats why requires legal instrumentation ; it seems that it was a very easy decision for them to deny my request. More than that, it took over 30 days to decide it.
I come to you asking for help in determine the bank to approach my case in a professional manner, to take in consideration the court order along with all the documentation I have and to make a fair decision.
I cant afford to have an attorney, my financial situation is on a surviving mode, my credit score is ruined and reduced my chances to get a better job, to pay for my daughter college, to secure housing in the future.
I dont live on that property ( the other two borrowers live there ) and Ive never lived.
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| 11/08/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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On XX/XX/2023 I took my XXXX XXXX XXXX son to the bank to withdraw some money. I came into the bank about 10 or 15 minutes after him. I walked up to the teller with him waiting. I said he has an account already with you it's a joint account with me My son said I closed that account. The teller said yes the joint account is closed. So I'm standing there in shock like huh..what..how. My son said he opened up another account. Okay fine but nobody told me I didn't have a checking account.So I said wait a minute M & T sent me a new card, and I didn't activate it and was going to call and ask why I have a new card. Nobody told me..at this point I'm confused. Why would they closed my account without notifying me. I asked the girl why would y'all do that without contacting me. She says.she don't know.. ( like she's just a bank teller. ) And before I found all that out I said I'm going to deposit {$25.00} into that account..then I ask her why did you send me a new card. She ask me did I activate it..I told her no because I was thinking something is weird and was coming in to see if it was from M & T Bank a real card. She says yes and I showed her my other M & T card I received earlier this year..so now I'm confused. She checked it and said oh this is linked to your savings account which I don't really use.And I asked her what is the new card you sent me for she said oh that card is a savings card too. Unbelievable why would I have two new savings card.Then she asked me oh do you want to open up a Checking..I told her No, I'm Done!.. And the office manager XXXX lady looks at me surprised and like the UT ole look. She heard me when I said so y'all closed my checking without me..no notifying me. They didn't notify me when the account was closed or nothing. My XXXX XXXX XXXX son came in opened up an account with a large personal injury check and all they seen was a large transaction for their bank. And whatever he says.. Okay sir. They threw me to the curb back stabbed me didn't say well your mom needs to sign to close this account. Or just took his name off the account and left me with my checking account. I'm so upset how they done that to me. I had plans to deposit a sum if money next month. Guess not! They disrespect me and let a XXXX ; year old just come in and close accounts without asking for the other party.
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| 05/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX was at a car dealership to purchase a vehicle for my daughter and initiated a loan for the vehicle with intention to pay loan in full upon the first statement being received. The original loan amount was {$16000.00} which apparently accrued interest even though I did not receive my first statement on/about XX/XX/XXXX. I called the institution, M & T on XX/XX/XXXX and spoke to a XXXX and then a Supervisor XXXX advising I would like to pay the original loan amount off and if the accrued interest on the loan by waived. I explained I didn't have an account number or phone number to call as the car dealership did not provide my with any information about paying the loan off in full. The Supervisor asked when I would be making payment on the original loan amount and I told her that day ( XX/XX/XXXX or XX/XX/XXXX ). I made payment for loan on XX/XX/XXXX, making two payments which was received by M & T Bank on XX/XX/XXXX. I went to M & T website on XX/XX/XXXX to see if my balance was XXXX and saw there was still a balance of {$99.00}. I called M & T Bank on XX/XX/XXXX and spoke to a XXXX who told me that a decision on my original request back on XX/XX/XXXX couldn't be made because payment had not been received. She put in another request with their back office and advised I should call back on Friday, XX/XX/XXXX. I then spoke to a Supervisor XXXX who wasn't very helpful. He advised that I signed a contract acknowledging interest would accrue on the account and it was my obligation. I advised I made payment immediately after speaking with Supervisor back on XX/XX/XXXX and don't understand why I have to make a 2nd request to have any accrued interest waived. Supervisor XXXX told me interest will continue to accrue until payment is made even when I call back on Friday XX/XX/XXXX to find out if my request is approved or not. Considering we have been in a pandemic ( COVID19 ) for the last 2 1/2 months and most banks have drive up service only it is very hard to try to go into a branch and speak to someone. Had I not gone online to check my balance I wouldn't have known my original request to have the accrued interest waived was not approved or decision couldn't be made because they claim payment had not been received ( which it was, 4 days after speaking to Supervisor on XX/XX/XXXX or XX/XX/XXXX ).
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| 11/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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The transition from Peoples to M & T Bank nightmare. Should never have been approved by the Fed.
Contrary to what they M & T told me/us as my Peoples debit card would work until the XXXX of XXXX, it was declined around 2 weeks prior shopping for food, gas etc...
I called the # from emails they sent if you hadn't received your debit card and my phone died after a few hours. Tried a few days in a row until i called a # they had on their inaccessible website ( at 1st ) and complained to a women from the loans dept I think who had one sent to me days later. It didn't work until a few days.
With Peoples Bank I had bank to bank transfers set up and they it should have stayed the same during the transition but wasn't. I have attempted to set it up again at least twice where my other bank would send 2 ( under {$1.00} amounts deposited to my M & T account. I was maticlus on the routing # s and acc #. Nothing shows in M & T. The other bank have sent me 2 emails claiming success in sending the now 4 different amounts. I went to the XXXX branch on XXXX XXXX and they just said they dont see any deposits. I tried in XXXX and XXXX. The IRS sent me an Email saying they will be mailing my tax refund due to no acceptance at the bank I had chosen. Pretty it was Peoples since the other bank is where I have my SS checks sent to.There is a web page on XXXX called " M & T Bank XXXX a place for victims '' with more sad stories. I suggested viewing it to the the senators Email I responded to.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 12 days ago ) XX/XX/XXXX Dear Information for an account at another financial institution was recently entered into our home banking system. Trial deposits of less than {$1.00} into this account have succeeded. Please check your statement to find the amount of these deposits, then log into our home banking system and click the verify link next to the newly added external account.
There is another same email from my other bank also from earlier last month.
My account had an amount in RED text, I tried paying. It has a minus sign in front of it and I still have no clue as to why, after calling and speaking with a supervisor last week. I t wouldn't let me pay and deducted from my overdraft line yet I was told it was not being deducted. Sigh.
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| 03/31/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I am writing to express my dissatisfaction with the service I received on XX/XX/2023, when I deposited four money orders totaling {$790.00} into my account at the ATM. The following day, XX/XX/2023, my account was locked without any prior notice or explanation.
Before making the deposit, I had asked a customer service representative inside the bank to update my pin number. At no point during this interaction did I present any money orders to the representative. However, the representative began to ask me personal questions about my employment status, which I found strange and unnecessary. I informed the representative that I am a driver for XXXX XXXX, but declined to provide any further personal information.
After updating my pin, I proceeded to make the deposit at the ATM. The next day, I discovered that my online banking and access to my account had been blocked. When I contacted customer service, I was informed that there was a hold on the deposits, which is understandable for money orders or checks.
I visited the branch on XX/XX/2023, to inquire about the issue. The teller informed me that the bank was conducting an investigation on the money orders and requested the ATM receipt. As I did not have the receipt on hand, she took down my information and promised to update me later.
On XX/XX/2023, I received a call from a lady named XXXX from the fraud/crime department. She demanded that I provide receipts for all the money orders, even those that had already cleared prior to these ATM deposits, and accused me of lying about my business. I explained that the money orders were from my consulting business, but she claimed that conducting business in a personal account was not allowed.
Furthermore, she accused me of giving inconsistent information to the bank and threatened me when I tried to defend myself. I strongly believe that I am being unfairly profiled and accused of a crime by M & T Bank and its staff.
I request that the bank conduct a fair and unbiased investigation into this matter and provide me with a prompt resolution. I also request that the bank provide me with the money order numbers for the mobile deposit money orders as soon as possible. In total I belive M & T bank is holding {$2300.00} which has caused me hardship.
Thank you for your attention to this matter.
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| 08/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened the MyChoice Plus Checking '' account on XX/XX/2022 at M & T bank from a promo page XXXX XXXX XXXX
To receive a {$250.00} bonus I had to make qualifying direct deposits totaling at least {$500.00} within 90 days of account opening.
The promo page was found in google- it was at the top of a search by mtb bank promo keywords.
When I clicked Redeem Online '' on the page it asked me to fill my zip into the form with the message Enter your ZIP Code so we can connect you with special offers. Once I filled my zip ( XXXX ) it displayed Good news! A cash bonus promotion is available in your area, successfully passed me through, and applied the promo code ( TC ) to the account application. When I input all the required information the account was opened.
I got my {$500.00} paycheck ( as a direct deposit ) on XX/XX/2022 - well under the 90 days promo deadline.
According to the promo terms, the bonus had to be credited to the account within 90 days of all requirements being met.
It didnt happen - Ive never received that bonus.
When I contacted the bank representative ( via secure messages ) they replied that Im not eligible for that promo as my state ( New Jersey ) was out of the promo area.
My concern is that the promo area was not defined anywhere- neither on the promo page nor during the application. I stored corresponding screenshots and can share them as proof.
Moreover, the fact that the page asked me to fill my zip code at the beginning with Enter your ZIP Code so we can connect you with special offers text and then successfully proceed to the application with A cash bonus promotion is available in your area tells me that my zip was validated and approved by the system for the promo.
And one more thing - right now, if you open that promo page ( there is a {$200.00} promo available now ) and enter my zip ( XXXX ) it returns Sorry, but this offer isnt available in your area - clear enough.
If my zip was not eligible for the promo I wish I received the same message. But it was the fully opposite experience.
I consider the situation above as false advertising and insist that I fulfilled all promo requirements and never received information that my zip is out of the promo area. Therefore I believe the bank has to fulfill the agreement and credit me that {$250.00} bonus.
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| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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M & T BANK ACCOUNT # : XXXX!!! DELETE THIS ACCOUNT IMMEDIALELY!!!
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!!
M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. HOW DID THE CLOSED DATE CHANGE?
THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK M & T DID THIS ON PURPOSE OUT OF SPITE TO DAMAGE MY CREDIT FILE I HAVE PROOF ON DOCUMENT!!! VIOLATIONS!!!
XXXX & XXXX ARE FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ITS REPORTING INCOMPLETE & INACCURATELY )!!! DELETE THIS ACCOUNT IMMEDIALELY!!!
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!!
XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. XXXX THERE IS NO CLOSED DATE 2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX VIOLATIONS XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. CHANGED CLOSED DATE : TO XX/XX/XXXX ( HOW DID CLOSED DATE CHANGE? THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK M & T DID THIS ON PURPOSE MAJOR VIOLATION DELETE IMMEDIATELY ( M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX.
XX/XX/XXXX CREDIT REPORT XXXX MAJOR VIOLATION DELETE IMMEDIATELY XX/XX/XXXX CREDIT REPORT XXXX ( M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX.
2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) 6. PAYMENT FREQUENCY : MONTHLY ( EVERY MONTH ) ( SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF )
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| 09/10/2020 |
Yes |
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Web |
Servicemember |
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I was approved for a VA home loan from M & T Bank in XX/XX/2020 for XXXX. We found the house we wanted for XXXX and The total loan would be around XXXX. Before the appraisal we where told that there might be issues with the VA approving the loan for a modular/ manufactured home, and the VA exception board would have to approve the loan, and it could take up to 10 business days to hear a reply after the underwriter received the appraisal and submitted the paperwork to the exception board. We had a VA loan before and where certain that The VA would approve our loan. We asked that they go ahead with the appraisal. My wife received a call from M & T Bank expressing that the appraisal would not be covered by closing cost and we would have to pay out of pocket XXXX for the appraisal before they could order it. I gave the person my CC number and the transaction should showed up as processing the next day, but never showed as a complete transaction on my statement. The appraisal was done and turned in on XX/XX/2020. I only just now received a copy in XX/XX/2020. We repeatedly asked for a copy of the appraisal to give to the seller who also had not received a copy. They told us that only the underwriter could view the appraisal. Only after M & T Bank Officially turned down our loan on XX/XX/2020. That we found out M & T Bank does not approve manufactured home loans of any kind, on XX/XX/2020, it was the M & T Bank exceptions board not the VA that had to approve the loan. On XX/XX/2020. We received a call from the loan officer saying the loan had been declined. We Really liked the house so we went with a new lender on XX/XX/2020 and requested the Appraisal be forwarded to the new lender. The new lender and myself repeatedly contacted M & T Bank and requested Access to the appraisal via the LINN. We received no response. The new lender had there or corporate get involved before we received any kind of reply on XX/XX/2020. It still took them till XX/XX/2020 for us to access the appraisal. Only after they informed us via phone call that we would not be receiving the LINN number till they received the check from my current lender to pay for the appraisal. Of course the payment was for the VA, who had locked to appraisal till it was paid for. Which I have been told by the VA that is not true.
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| 08/23/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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On XXXX XXXX, 2015, I called M & T Bank to inquire about options to assist me because of a family emergency and may have trouble making my Mortgage Payment that month. I spoke to a Representative named XXXX XXXX at ext XXXX. She proceeded to tell me about options that were available to assist. However, in the in depth conversation with her I asked several times that if I accepted XXXX of the options, would it negatively impact my credit. She insisted that because I had never missed nor had a late payment that this was a service available to me based on my excellent payment history. She was deceptive in explaining the options and led me to believe that I could skip a payment and add it on the next XXXX months payments without any impact to my credit report. I felt confident in accepting her offer based on inaccurate information. I indicated repeatedly to XXXX XXXX that if it would impact my credit score negatively, then I would prefer not to take the option. I let her know that I have never made a late payment on anything and did not intend to start now. XXXX XXXX assured me that I had nothing to worry about as long as I successfully complied with the payment plan. I made my XXXX payment on XXXX XXXX, 2015 according to the agreement, however, because I check my credit regularly I discovered a XXXX day late payment reported by M & T Bank. I contacted XXXX XXXX to try to resolve the matter and opted out of the payment plan making all scheduled payments as originally agreed. No one has tried to listen to the recorded conversation to rectify this matter. I have called insistently without a resolution or reply. I feel that this is a discriminatory act and a violation of the Fair Credit Reporting Act. I wish to have this matter resolved and the late payment corrected with all XXXX credit bureaus. This has reduced my credit score by XXXX points and negatively impacting my life. Please help to resolve this matter, I take my credit very seriously and due to false information, I was tricked into jeopardizing my excellent credit rating. My loan is in good standing and I am not in danger of losing my home. I simply want the late payment removed because it is tarnishing my good name which could possibly result in higher rates and negative actions from other companies that I have credit with.
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| 06/02/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Received Surplus amount of XXXX, XXXX on XX/XX/21.
Called MT & T Bank after receiving the surplus check, would have been around mid XXXX. Questioned why I received such a large amount and wanted to make sure everything was paid.
Was told during this conversation that everything was paid, account was good, and to enjoy the surplus.
Received property tax delinquent notice on XX/XX/21. Called MT & T Bank again. On the phone 1hr 11 mins Confirmed they did not pay property taxes. MT & T Bank said it was because they looked online and our account is blocked so it was XXXX XXXX Was also told by MT & T bank that I was 100 % tax exempt. Obviously, this is not correct since I received deliquent property tax notice XXXX, Property Tax Supervisor, said I would not pay any late fees accrued and they would expedite this matter since XX/XX/XXXX there were more late fees.
XXXX, Escrow Supervisor, said Escrow Analysis would be redone after taxes are paid.
Called XXXX Asked to speak to supervisor because now I can not register my sons vehicle since we are delinquent on our property taxes. On phone 47 minutes Was told there was not a supervisor available and that they tried to call tax office but tax office would not give them information since the account is confidential. Told customer service this was not acceptable and that I wanted to speak to a supervisor.
Transferred to XXXX, Property Tax Supervisor, she called Kaufman County Tax Office to get payment. XXXX at tax office provided amount for delinquent notice.
XXXX said she would expedite payment to call back in 5 days for escrow analysis.
Was told to either provide a bill from now on or unlock are tax account.
Are account is locked due to husband being in law enforcement.
XXXX also stated she could not guarantee I would not pay late fees.
MT & T Bank has been dismissive of my concerns. Not helpful is resolving issues, blaming me and tax office for taxes not being paid. If not for me following up the taxes would still not be paid.. We have had this company for 5 years. Our account has been confidential since then and they have always paid our property taxes and property insurance. We have had this company for 5 years. Our account has been confidential since then and they have always paid our property taxes and property insurance.
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| 11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
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Web |
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I am an XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, which lived in XXXX, Maryland. The thing is that M & T bank closed my account without any powerful reasons and put me on their blacklist for no reason when I was trying to start a new account. I was told that my account was closed in XXXX, and I went to the local branch as soon as possible to ask for help, the representative told me they will help me to build a new account but I need to make an appointment on the phone call. After making an appointment I went there in XXXX. When the representative found my account was closed, she said I will be not permitted to apply for any M & T bank services any more in my whole life. After I left I just have something want to ask, such as what about the online application account, and why my account was closed and so on. So I decided to go back there to ask for the questions one more time. However, when I walked into the bank, a bank stuff who was standing on the front desk drove me out because she said the representative need to eat dinner. She said that I can go back to ask for help after 20 mins later. I listened to her and went outside to wait for the permission. At that time, I saw different customers entering into the bank. They can be treated as normal customers but only expect me, a XXXX? 10 mins later on, the XXXX woman who worked in the front desk went outside, then she drove me out rudely. She interrupted my words several times and carried off the representatives name card which she gave me before. She warned me You will not be permitted to enter into this bank any more forever, go to find another bank do you need recommendations? You even can not stand outside of this bank. I was really shocked because I am just a XXXX and dont do any suspicious activity on my money account. My money transaction history is only for my daily life fee and rent fee.
In conclusion, I want to report for two things : the first is that why the bank can close someones account without any reasons even for an unblemished M & T bank account record. The second thing is for the racism for bank stuffs. They drove me out and treated me like a dangerous fraudster without any proofs, and treated me different from other American customers. The address of this M & T bank is XXXX XXXX XXXX XXXX, XXXX MD XXXX.
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| 04/29/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My VA mortgage servicing recently switched from XXXX XXXX to M & T Bank on XX/XX/XXXX. I have had zero issues with XXXX XXXX since my husband and I have had our mortgage serviced by them over the last few years.
My husband passed away XX/XX/XXXX. The mortgage note at the bank was solely in his name, but I am a joint tenant with rights of survivorship on the warranty deed. After my husband 's death, I sent XXXX XXXX his death certificate, warranty deed, etc. They noted on the account my information so they could talk to me. My husband did not have a will or an estate, and I have continued to make the payments and have never been late or had any issues.
I have placed at least 6-7 calls to M & T bank and have talked to one rude person after another. The first couple of times, they said they had none of the information from XXXX XXXX. So I called XXXX XXXX, and they said all the information was transferred. No one at M & T would even talk to me. Instead, they act like I'm committing a crime because I continue to pay my mortgage in my deceased husband 's name. Today, I talked to a supervisor named XXXX who accused me of changing the account to read " the estate of '' and his attitude and condescending nature made me so nervous. It feels like elder abuse when a client service rep tells a client they are " XXXX. '' I know I could have refinanced the loan, but I am on a fixed income and there was no benefit in my doing that. I know this situation isn't that common, but I got different answers from everyone I talked to. My husband died and I continue to pay my mortgage and all of my bills on time and instead of M & T bank treating me like a new potential customer, they treated me like dirt. I need someone at M & T with some correct legal knowledge of a widows rights in this situation. Clearly they have zero policies and procedures to reference this because I was told something different every time I called. One person told me I shouldn't be paying the loan and if I was claiming the interest on my taxes then I was breaking the law. How awful to scare someone like that when I was advised by an accountant and my estate lawyer.
I know customers don't have a say in which bank services their mortgage, but clearly M & T can't handle the transition and have respect for new clients.
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| 11/04/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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M & T Bank holds my loan for my house at. This was a VA loan that I assumed from the old owner, assumed approximately XX/XX/XXXX. Regarding property insurance, my spouse and co-owner submitted our proof of insurance from farmers at least 3 times to M & T Bank, this was a condition of assuming the loan. The old owners held their insurance through XXXX, apparently their policy wasn't formally cancelled until XX/XX/XXXX, after XXXX sent a bill to M & T for insurance for the following year totaling approximately {$3600.00}. M & T paid the XXXX bill without verifying the names currently attached to the loan.
This could have been an employee or a computer error. Through phone calls first to procure my first mortgage statement M & T had put the old owners new address down as my mailing address along with a there phone number, it took several phone calls and reentries to get this straightened out, if it is straightened out. There were letters and bills that were apparently sent out but the went to the wrong address. Under an assumption with M & T bank there is no capability of adding online access to the new home loan owner. Additionally the employees I have spoken to over the phone are not authorized to send pertaining documents to me.
M & T did their own escrow analysis and increased my monthly mortgage by approx. {$300.00} a month to cover the Mortgage. I have ordered a new escrow analysis twice, several employees have confirmed what I described is what happened. M & T has provided me with the old owners XXXX policy number and advised me to contact them, explain the situation and once a refund is issued a new escrow analysis can be performed and in two or three months the payment will revert back to the original value. M & T is not authorized to contact XXXX themselves. However XXXX can not issue a refund to me for the old owners policy number because I am not listed on that policy. I paid the incorrect amount in for XXXX because I was afraid of going into delinquency. After being promised I wouldn't be held responsible for late fees or reported to the credit bureaus if I withheld payment until this was resolved I received a letter dated XX/XX/XXXX stating they were correct to report me. I then paid XXXX bill in the correct amount that they state is {$300.00} short.
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| 12/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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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.
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| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I applied for a personal loan with XXXX XXXX XXXX XXXX on XXXX, XX/XX/2020 and was not informed that my income was not high enough for the amount I needed. They ran a hard inquiry on my experian credit report and was denied on the basis of my income being to low. The relationship banker called and informed me that I was denied and the reason why. I told her that during the application process I specifically asked if my income was sufficient and she replied that it shouldnt be a problem. I asked if adding my father as a co-borrower would help as it would include his income as well. The relationship banker ran the new application through XXXX on XXXX, XX/XX/2020 as my father as a co-signer vs. co- borrower which would help if my credit scores were not sufficient. I was denied a second time. The relationship banker called me on XXXX, XX/XX/2020 and informed me of her mistake and offered to expunge the hard inquiry from XXXX XX/XX/2020 and redo the application a third time but correctly adding my father as co-borrower. XXXX XX/XX/2020 she ran another application through XXXX causing a third hard inquiry. I heard nothing till next day XX/XX/2020 when my credit was ran again for the 4th time again on my XXXX report as well as my XXXX and XXXX credit reports. I usually have frozen at XXXX and locked at XXXX and XXXX but lifted them for a mortgage pre approval and for the personal loan. I also have an extended fraud alert on my reports as Im a victim of identity theft but was never contacted by XXXX XXXX XXXX XXXX regarding the steps necessary under the fraud alert bi-laws. I was told the extra hard inquirys were part of the verification process but I find nowhere where it says thats an acceptable verification process. They according to them are expunging the XX/XX/2020 inquiry as it was there fault in processing that application incorrectly. But they refuse to remove one of the last 2 hard inquirys claiming it was pulled twice due to the fraud alert on file. I know have 4 hard inquirys in a matter of 6 calendar days for a single personal loan, 2 of which Im not responsible for them not informing me about my income and incorrectly filling the application in XX/XX/2020. The excess hard inquirys are on my XXXX report and not on my XXXX or XXXX reports.
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| 10/25/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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In XXXX of XXXX we were offered a special forbearance on our mortgage from M & T Bank due to temporary hardship. The way the forbearance was explained to me was that we could simply pause our payments for 6 months and the bank would just add the 6 months to the end of the term of the loan. There would be no changing of the terms of the loan and it would not go on our credit report.
At the end of that 6 months in XXXX of XXXX, I called the bank to begin making payments again. They explained that we were eligible for another 6 months and that the terms of the forbearance were still the same as before. We agreed in order to take the opportunity to pay down some of our other debt.
We then called the bank in the middle of XXXX to schedule our mortgage payment for XXXX. Thats when we were told the terms had changed on XX/XX/XXXX, without us being informed, and that we would have to pay the past due balance of nearly {$30000.00} in full in order to keep our original loan terms and that if we could not do so then they would have to submit a loan modification and it would be based off the current interest rates. We were told that there are no other options than those XXXX or we would be subject to foreclosure.
After the loan modification was approved our interest rate had doubled and our payment had increased {$1000.00} from the original payment.
After a few conversations with customer service reps we found out that the original forbearance we agreed to was no longer in place after XXXX of XXXX, and we were never informed of this. Not even when they offered it to us again in XXXX of XXXX.
We are currently scheduled to make a payment of {$2900.00} on XX/XX/XXXX as part of a trial payment for XXXX months in order to continue with the loan modification so that we do not face foreclosure.
We feel as though, rather intentionally or unintentionally, we were mislead both in XXXX of XXXX and XXXX of XXXX as to the actual terms of the forbearance. On top of that the terms were changed without our knowledge. It was never explained to us that the forbearance was subject to change at any moment and that it was not even up to M & T Bank but that their investors dictated the terms of the forbearance and could change them without notifying us at anytime they chose.
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| 10/27/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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Re : Errors on my checking account Dear M & T Bank, I am writing to request a correction for a dispute placed on XX/XX/2022 in regards to a charge placed on XX/XX/2022 and processed on XX/XX/2022 for {$140.00}.
Dispute 1 Account Number : Dates associated with Item being disputed : A charge for a {$140.00} on XX/XX/2022 ; dispute placed on XX/XX/2022.
Explanation : I disputed a charge with M & T bank on XX/XX/2022 that was placed on XX/XX/2022 via XXXX XXXX split transfer. Meaning a portion was paid via XXXX XXXX and the remaining balance was obtained via my M & T bank card. The reason being is because I purchased three hoodies in support of XXXX XXXX in support of the XXXX XXXX XXXXXXXX XXXXXXXX XXXX in XXXX Ny in which occurred on XX/XX/2022 ; in which I have not received the merchandise, a refund of my money, or any communication from the merchant. I purchased the hoodies from the merchant XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Ny. The merchant XXXX XXXX XXXX XXXX informed me that I would receive the hoodies within a week of the date off purchase, however it has been 2 months and 7 days and I have not received the merchandise or a refund. I have attempted to contact the merchant on 20 separate occasions via his business platform via social media, his cell phone. The merchant has failed to respond to me via text message, or via social media. In addition to changing his business page names, removing himself from specific social media platforms such as XXXX ; along with disconnecting his cell phone. Due to multiple failed attempts, I have contacted the police and sought out a charge dispute from M & T bank due to being scammed due to financial infidelity.
I have attached a copy of supporting evidence that supports I never received any merchandise from the merchant or a refund of the payment in which I also requested 20 times within a two month and 6 day period of payment sent. In addition I have also filed a police report as per XXXX ; a customer service representative I spoke with from M & T account services on Friday XX/XX/2022 at XXXX XXXX. I additionally have reported the merchant to crime stoppers and filed a formal complaint to the Federal Trade Commission for Fraudulent activity.
Thank you for your assistance.
Sincerely,
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| 01/09/2024 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem making or receiving payments
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Web |
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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.
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| 09/23/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Extremely poor customer service at M & T Bank.
Over 3 weeks with no access to accounts due to a " legal hold '' block and no contacts from the bank. Still waiting to access my funds...
Log of events : -- -- -- -- -- -- -- Received mailing for a {$300.00} offer from M & T Bank to switch to Premium Checking as long as {$10000.00} deposited and held through XXXX and XXXX.
XX/XX/2022 : Signed up for Checking with XXXX online on using offer code " XXXX ''. Was able to access online account.
Instructed my employer to send direct deposits to my new M & T checking account.
XX/XX/2022 : Received Docusign and submitted.
Received M & T debit card in the mail.
XX/XX/2022 : Direct deposit from employer {$3500.00} XX/XX/2022 : Deposited check # XXXX for {$7000.00} from my XXXX checking account via ATM on XXXX XXXX ( XXXX XXXXXXXX ).
XX/XX/2022 : XXXX checking account ledger showed that the check cleared and was deposited to my M & T checking account XX/XX/2022 : No longer able to log into online account. Message indicating that the account is blocked and to call customer service. Tried to call but wait times were over 1 hour due to People bank conversion.
XX/XX/2022 : Direct deposit from employer {$3500.00} XX/XX/2022 : Called customer service ( 1 hour wait queue ) who indicated that the account is blocked for legal hold but I would receive a call back within 7 days.
XX/XX/2022 : No calls from M & T Bank still, so called customer service again ( 1 hour+ wait queue ) who just transferred the call to Fraud team ( call dropped so had to call back and wait in 1 hour+ wait queue ). Fraud team indicated that the legal hold was still there and should just be " a few more days ''.
XX/XX/2022 : Went to XXXX to schedule a meeting call with branch. Meeting was confirmed for XX/XX/2022 XXXXXXXX XXXX XXXX with XXXX XXXX
XX/XX/2022 : XXXX XXXX from the branch never called. Contacted customer service again ( 30 minute wait time ) and they just transferred to Fraud ( call dropped ). Called Fraud line ( 1.5 hour wait queue ), but no new information and finally was advised to just go to a branch.
At this point, I still don't know why the account is blocked but plan to go a branch as soon as I can to close out my account and withdraw my funds.
|
| 10/06/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
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Web |
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This relates to my existing claim, number XXXX, with M & T Bank.
After the bank improperly drilled my safe deposit box and lost a coin, they sent my items to the bank 's abandoned property division. I was advised by the XXXX branch ( where the deposit box was located ) that the Bank 's XXXX M & T XXXX branch would have the bulk of my safe deposit box possessions. This afternoon, I went to the XXXX M & T XXXX, XXXX branch to claim my property.
When I arrived, the bank provided me with an affidavit to sign before I could even look at my property. I refused to so sign. The affidavit had prepopulated choices for the reason that the box was drilled. One was non-payment, the other was some other irrelevant choice whose name escapes me. The bank thus wanted me to state that it was my fault that box was drilled, when it was wholly caused by the bank 's failure to update its systems and to send me certified letters to the address that I provided the bank.
The affidavit also required me to state that " all '' the contents of the box had been returned to me. This is not true. First, I couldn't even look at the contents before being required to so sign. Through a subsequent conversation with bank employees, I learned that they intended to reference the itemization that they provided. I believe that a maple leaf coin is missing. I am not going to swear out a false affidavit.
My failure to state that the drilling of the box was my fault, and my failure to state that the bank fully provided me with my property ( neither statement is true ) was the sole reason that I was denied my property today. I escalated to a commercial manager, who was not helpful nor sympathetic. He provided me with the name of XXXX 's retail risk manager, a woman named XXXX, and I left her a message. I have yet to hear back from her.
This conduct is unacceptable. In sum, the bank 's systems were not updated. They drilled my box without cause, despite the fact that I had a current box lease for that time period. They then lost one of my coins. Upon taking five days to get my property together, they then refused to provide my own property to me without signing an affidavit stating that it was my fault, and that it was fully returned. That can not possibly be legal.
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| 08/30/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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In the early morning of XX/XX/XXXX, I used a XXXX ATM at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I withdrew {$80.00} from the ATM but accidentally left my ATM card in the machine. When I woke up in the morning on XX/XX/XXXX, I noticed there were 3 ATM transactions at different ATMs than the one I originally used and a transaction from " XXXX XXXX XXXX '' that all occurred on the morning of XX/XX/XXXX without my consent. The transaction breakdown according to my bank, M & T Bank, is as follows : XX/XX/XXXXXXXX ATM WITHDRAWAL XXXXXX/XX/XXXX XXXX {$43.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XXXX immediately called M & T Bank on the morning of XX/XX/XXXX to report the fraudulent charges. They initially credited my account back the money while they conducted their investigation. I provided a written documentation of the event pursuant to their request to aid the investigation at the end of XXXX.
I received a letter in the mail on XX/XX/XXXX, dated XX/XX/XXXX, that they have determined the transactions were processed correctly and no error has occurred. Therefore they are denying my claim. They provided no written documentation as to why the claim was denied. I called M & T 's telephone banking center at XXXX on XX/XX/XXXX to determine why this occurred and if there was anything else I can do to fight this. They verbally told me that the thief somehow had my PIN number for my ATM card and that's how the transaction processed, so no error occurred. I have no idea how they illegally obtained my PIN number. There could have been a skimmer on the machine. I have no idea. M & T claims they are unable to obtain security footage from the ATMs since it is not an actual M & T Bank ATM.
I have since filed a police report with the XXXX Police Department and provided that documentation to M & T as well. M & T Bank is going to take {$830.00} out of my checking account on XX/XX/XXXX and there is nothing I can do to stop them. They are still investigating the fraudulent transaction of {$1400.00}, so no decision has been made if they will approve or deny that claim as well.
Please let me know if there is anything someone can do to help. Thank you!!
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| 11/06/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
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I am writing this because had money that was taken from me by my Father. He Ended up taking {$14000.00} to be exact he told me he took it awhile after the case had Closed XX/XX/XXXX. No he Didnt have a reason to use the money on me No He did not have a medical reason to use the money on me. The money was court ordered to be deposited into an interest account with an Officer of M & T Bank so by time I turned 18 I was suppose to Receive that Amount.
I Turned 18 ( XX/XX/XXXX ) I Called M & T Bank that same day Gave them the 9 digit Routing number on the bottom of the check I Also gave them the 10 Digit account number. They searched them and said that there was never no account in my Name they proceeded to ask me for my social I Gave it to them they told me again there was no name in the System under the Name of XXXX XXXX in there system.
I ended up calling M & T in XXXX NY. XXXX XXXX XXXX XXXX to be exact to see what was going on because the check was suppose to be Deposited with an officer of the bank at that specific branch I Ended up speaking to the manager at that bank they were able to locate the account number and routing number under the name of XXXX XXXX . Then proceeded to tell me that the account wasnt mines and couldnt give me no more information and that the account of closed out in XXXX of XXXX then proceeded to hang up the phone.
Im writing this because Ive been dealing with this for months since ( XX/XX/XXXX ) up until this present day Ive done everything I can Ive talking to my lawyer that represented me on this case he didnt know what to do I talked to other lawyers. Theyve never heard this before and could only assist legal advice Ive been calling all over to any and everyone I could reach out to help me Ive walked into M & T Personally many times they dont know what else to do besides send it up to the M & T legal department . Ive even went down to the court that settled this case they told me it was taken in error and to hold the bank accountable then they suggested me to contact you guys and Im really writing this because I want the money that was Wrongfully taken from me when I was younger Im only XXXX doing all this and Im really losing my mind trying to get my money back I would really appreciate the help
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| 01/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been attempting to reach a resolution of this mortgage for several years. In XX/XX/XXXX, I was approved for a trial modification, which began on XX/XX/XXXX. I made monthly payments pursuant to the trial modification in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as XX/XX/XXXX. I was able to make these payments without any financial hardship. I would continue to be able to make these payments if the lender were to allow me to do so.
In XXXX XXXX, I received a letter from M & T Bank ( the servicer for my loan ) dated XX/XX/XXXX. This letter advised me that my request for mortgage assistance had been removed due to liens or judgments that [ I allegedly ] did not satisfy. After speaking with M & T Bank, I learned that this action was being taken because they had not yet received the quitclaim deed from my ex-wife for the property. The difficulty in getting this to the bank was not due to my own neglect. Nevertheless, after learning of this action being taken, the lawyer who represented me in my divorce was able to expedite the execution of the quitclaim deed, which was promptly sent to M & T Bank.
By the time the quitclaim deed and divorce decree were sent to M & T Bank, they required me to resubmit a loan modification application. I complied with this request. On XX/XX/XXXX, I learned that I was now being denied for a loan modification. I called M & T to inquire as to why. They explained that they analyzed my application based on my XX/XX/XXXX income. The fact is that in XX/XX/XXXX, I worked fewer hours, and the monthly income is not a fair representation of my usual earnings. M & T Bank was aware of my yearly earnings, yet based their analysis on a limited snapshot that did not properly reflect my earnings, and thus my ability to pay this loan.
I think it is entirely unfair that M & T Bank offered me a trial loan modification, which I successfully paid without difficulty ; withdrew my request for assistance due to a missing document, which was missing through no fault of my own and which was promptly provided to them ; analyzed my additional request for mortgage assistance based on a time period that was not properly reflective of true earnings ; and then denied my request on the basis of this limited time period.
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| 07/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX, Hudson City Savings Bank ( see CFPB case id : XXXX ) merged into M & T Bank Corporation. My mortgage for my primary residency, which I owned since XXXX, XX/XX/XXXX ( 15 years ) and resided with my wife and XXXX children fell behind in XX/XX/XXXX as my business failed. I went into pre-foreclosure in XX/XX/XXXX with Hudson City ( HCSB ). After 4 years of back and forth with HCSB submitting loan modification forms, appearing in superior court in XXXX County, NJ, and over {$15000.00} total in attorney fees and assistance, we were not able to come to an agreement on a loan modification, even though both my wife and I were working and making a strong income since XX/XX/XXXX. HCSB went silent from the period of XX/XX/XXXX through XX/XX/XXXX, no activity on my foreclosure proceedings, though they continued to pile up the late fees, penalties, and non-payment interest monthly. In XX/XX/XXXX I was contacted by M & T Bank Corporation, the new owner/servicer of my mortgage via the merger from XXXX, which was fined by the CFPB and DOJ in XX/XX/XXXX for XXXX XXXXXXXX for Mortgage Discrimination, obviously systemic issues within the organization. M & T, after numerous attempts to have them send me a Loss Mitigation package via postal mail fell on deaf ears, finally sent me a package with instructions and I submitted all my required documentation in XX/XX/XXXX. In XX/XX/XXXX, M & T contacted me with a system generated 'generic ' letter saying I did not qualify for a 'Retention Workout ' option, I was rejected. Within the letter, they offered a 'Right To Appeal ' and I submitted my appeal within the timeline given. To this date, I have not received a formal written notice on the decision of that appeal ( I have attached to this compliant ) which in the letter says I would be receiving from M & T Bank within 30 calendar days of receiving the appeal and documentation ( attached ). Also, M & T discuses 'Investor Guidelines ' that were not met based on my loan modification materials ( see attached document 'Net Income Modification ' ). To this date, I have received no formal investor guidelines from M & T Bank for review. Please see attached supporting documents attached. Sincerely, XXXX XXXX
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| 09/01/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Ive been trying to retain foreclosure assistance for quite some time, first with my lender ( s ) then with HUD, and so on ... no one has ever helped or offered help.
I have an FHA Loan in a rural area of California, I am 3 years XXXX and still unemployed as a result and due to COVID I am going on 2.5 years trying to obtain XXXX Benefits ....
Prior to COVID my lender denied modifications for every ridiculous reason or just ignored my request completely I file Bk in XXXX to halt the sale and now with COVID the care act has helped a bit as well, however Im again in the same position of filling out the mitigation packet, calling & emailing the bank, never getting a response They ARE NOT HELPING ME!
HUD, always tells me to call someone else when I speak to them.
I always go round & round until I give up so frustrated & XXXX & confused.
Ive also asked about who Id contact to try to be eligible for all the different NOFA grants & programs and Im always told they dont have any programs for people like me ... .what does that even mean?
Im very confused, I virtually have no immediate income, I cant afford a lawyer, Ive been scammed twice, and Im positive the lender has violated my homeowners bill of rights, lied, overstated/overcharged my account, and made changes to my loan without authorization.
In fact, XXXX XXXX sold my loan to M & T Bank while I was in a loss mitigation, M & T never filed correct county documents stating they were my lender, my owed about is $ XXXX more than my original loan and Ive never borrowed money, they tried to charge me more than XXXX XXXX for my monthly mortgage, when I use the search tool online at HUD to search my lender it says XXXX XXXX however M & T Bank are trying to foreclose on me ... .Ive had the money to pay up the home out of black but their is so much hinky stuff taking place that I dont want to plus the county came and inspected my home and property dropping the value $ XXXX last year and this year as soon as they receive a soil report from finding sink holes in my hard plan to drop my value another {$50000.00} down to a value of {$150000.00} and the bank wants {$270000.00} for the loan I got in 2017 for only {$240000.00} ....
Please someone help me!
Thank you, XXXX XXXX
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| 12/27/2016 |
Yes |
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- Settlement process and costs
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Web |
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Among all of the issues I had with our mortgage broker and being harassed, the XXXX issue that I am infuriated with is not being provided with our loan estimate details at any point during the loan process after we submitted our mortgage loan application and had to come up with a large sum of money 3 days before out closing. I was informed, later that the loan estimates should have been provided to us within 3 business days of submitting the application. We met with our broker on XXXX/XXXX/16, he wrote down figures on a blank sheet of paper, we signed some forms and met at my workplace the following week to provide additional requested documents to my broker, he told us to date all of the documents XXXX/XXXX/16 as that is the dare that we met. I followed up via email the following week and the broker confirmed the application was submitted on XXXX/XXXX/16 yet when I submitted my complaint to my bank, they are claiming that I received the loan estimates and provided me with a copy ( first time I saw this ) which was dated on XXXX/XXXX/16. I am confused how the loan details were already " generated '' before the loan application was submitted, why the broker scratched everything down on a piece of paper if the document was already created, why this document was never emailed, mailed or delivered to us in any manner at any point and I am now convinced that this was something was not just overlooked but was falsified. I was unaware that we were supposed to receive this document until I was reviewing our closing disclosure- and questioned the required funds with the broker and my attorney because it stated we needed to come with several thousands of dollars within 3 days. If I would have received the loan details within the 3 business days of submitting our application as mandated, then I would not have become stick, have XXXX, needed to scramble for answers regarding the discrepancy and for additional funds. Additional, I was later harassed by the broker and then he told me his job was in jeopardy- why would he state this if he did nothing wrong? We received our loan commitment, clear to close, closing disclosure and other documents however not the loan estimates " conveniently '' were never sent to us at any point.
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| 11/16/2023 |
Yes |
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- Trouble during payment process
- Loan sold or transferred to another company
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Web |
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I was working with The Texas Mortgage Relief program. They paid mortgage that I put on backend plus additional mortgage payments making me due for XX/XX/XXXX! My loan was sold from XXXX to M & T bank! I was laid off due to unforeseen circumstances in the economy. I went from Unemployment, part time job short contract trying to make ends me as a single mom of XXXX girls. I opt out of the partial modification which was original processed with XXXX. I had a XXXX RESPA PERIOD WHICH protected me. I advised M & T I was working with and waiting on the Texas Mortgage Relief! I dont understand once my number was called and a check was issued for {$54.00}, XXXX making me due for XX/XX/XXXX why would you accept the payment XX/XX/XXXX and now want to missapplid funds XX/XX/XXXX and send it back! Telling me i was in a partial modification, i defaulted and didnt pay XXXX XXXX and XXXX! You are declined And now proceeding with foreclosure! Texas Mortgage Relief is supposed to prevent this from happening! I am back working and now you want to kick me out of my home and not accept the XXXX payment. I called customer service and confirmed M & T got the payment she said he said XXXX x you dont have to do anything else you are due for XX/XX/XXXX!!! Now today She said well we will take it but its going go towards the partial! I opt out of that! Why are you doing this to a single mom with XXXX kids! The then told me to scroll down there are other forms to help with hardship! XXXX i just got funds from an legit organization! Please help me keep my home and tell them to apply the funds from the mortgage relief! The texas mortgage relief is closed no longer accepting clients and you are going to make me reapply go back thru the process when YOU have the funds! Please help M & T NEVER SEND ANYTHING IN WRITING SAY I DEFAULTED OR THAT THEY WERE NOT ACCEPTING THE PAYMENT! THEY WERE IN COMMUNICATION WITH TEXAS HOMEOWNERS RELIEF!! Then why accept thr payment from them if I was working with them. They sent the check XX/XX/XXXX and it was received and cashed by M & T bank XX/XX/XXXX!!! They applied it to my account XX/XX/XXXX!!! I need M & T to keep the payment or if not get me to a XXXX lender!!! help me find a XXXX respected LENDER!
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| 05/28/2019 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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My mortgage was with XXXX XXXX until they transferred it to M & T Bank in XXXX, NY.
M & T Bank sent me a letter asking for an increase in the amount of the escrow account of {$280.00} per year. In addition they are increasing the amount of my current mortgage payment of {$1800.00} per month to {$1800.00} per month an additional {$21.00} per month or {$250.00} per year.
The problem is this : I called M & T bank in XXXX to get an understanding of why if the bank is increasing the amount of my escrow to cover the taxes, insurance, etc., that the M & T Bank has to pay during the year, why isn't the increase included in the escrow shortfall of {$280.00} that I am being asked to pay which I think should include the additional {$21.00} they are increasing my monthly payment from the current amount of {$1800.00} to a new amount of {$1800.00}?
When I asked the supervisor from M & T Bank, XXXX XXXX, he advised that the increase in my current mortgage payment from {$1800.00} to the new amount of {$1800.00} was due to increases in my taxes and insurance. My question is, isn't the increase in the escrow supposed to cover the increase in all of the items like taxes and insurance that the bank pays monthly? XXXX responded to me by saying the same thing over again and again and failed to connect the increase in the escrow amount with the additional increase in the monthly payment of {$21.00}. It appears to me that the bank has decided to add an additional amount of {$21.00} each month for 12 months for a total of {$250.00} which is in addition to the escrow increase of {$280.00}.
So I am receiving an actual increase of ( {$280.00} plus {$250.00} which equals {$530.00} ) annually. What is happening here? It looks like the bank has figured out a way to charge all of its customers with an additional charge in additional to the escrow increase. This is an unfair and deceptive practice and XXXX XXXX, the M & T supervisor I spoke to could not explain to me why the monthly amount of the mortgage was increasing after I paid the escrow shortage of {$280.00}. Please contact the M & T Bank and ask them to explain why they are engaging in such unfair and deceptive practices.
Thanks for your help, XXXX XXXX XXXX XXXX XXXX
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| 01/22/2021 |
Yes |
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- Trouble during payment process
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Web |
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I have a FHA mortgage with said company. The loan is escrowed for taxes and insurance. Annual insurance was due XX/XX/XXXX. The insurance was not paid and I was not informed until I received a notice to cancel from my insurance. I immediately called my insurance company to find out if they had not sent bill to bank. They informed me they had sent them 3 requests for payment with no response. I then called the mortgage company who had no idea why it hadn't been paid. The woman put me on hold and came back moments later saying she called and did a payment and had our late fee waived. At this point I thought we were all taken care of. Then I recieved a letter dated XX/XX/XXXX from the mortgage company stating I failed to keep insurance on the property and due to insurance cancelation they had placed forced insurance on our property until we obtain proof of insurance. I immediately called the insurance company again. They stated that the payment from the bank never came through. I called the bank back once again and was told that they refused to pay the premium out of our escrow. They mentioned something about our house being under construction so they would not pay the policy. I then asked them how that is possible considering that we moved back into our home XX/XX/XXXXXXXX and they had their evidence of completion and had released the final insurance claim funds to the contractor which confirmed that the home was completed. Either way under construction or completed you still have to have insurance on the property. She said there was nothing she could do about it that we would have to get insurance again. I spoke to my insurance agency again and they informed me that they could not re-instate our policy nor could they find a insurance company that would write us a policy due to the recent fire claim and a canceled nonpayment policy. Now we can not find any insurance company to cover us leaving in a horrible situation. Here 's the " this doesn't make sense '' part.
Our home burnt down XXXX XXXX. They paid the premium for insurance in XXXX XXXX ( with no home on property ), but then refused to pay XX/XX/XXXXXXXX premium that actually had a home ( a brand new home ) on the property.
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| 09/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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M & T Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has placed and illegal block on my Guardianship checking account and will not remove the block after many phone calls and branch visits. The checking account was opened on XX/XX/23 and the savings acct on XX/XX/23. The court order from the Delaware court of chancery was presented, and copied by XXXX different Bank associates on XXXX different occasions. The order clearly states that an account must be set up to receive the direct deposit from my sons job, and that the allotted amount XXXX may be transferred form that acct to another account, and that account may be used to complete transactions needed ( not to exceed the allotted amount ). Instead of placing the block on the savings account ( acct that receives the direct deposit ) and liftering the hold on the checking to allow transactions to occur via the debit card ( as stated in the court order ), the Bank has blocked transaction on both accounts, not allowing me access to any the the funds that i have been granted access to by the court. i went into the office today again with the XXXX XXXX and showed the associate XXXX XXXX XXXX # XXXX which clearly stated that this could be done. He agreed but said he still couldn't remove the hold. I requested that XXXX call his manager XXXX XXXX about XXXX times before he agreed. Once he called her, she advised him to just " submit another request '' and that i would not be able to have the hold lifted today. When I requested to speak with her, she told XXXX that she " was not taking any customer comments right now '' and refused to speak to me. XXXX also said that if they do decide to lift the hold, they will have to order me a new card, I explained that i did not want a new card and wanted to keep the one i had since it took about XXXX weeks to receive, He said that I will still have to get a new one. I left the bank still unable to access my funds and without the Bank being willing to comply with the court order. I have called the Bank at least 6 times within the past week and was specifically told to visit the branch to resolve the issue... yet when i visit the branch nobody can assist. This is an unlawful block on my account.
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| 12/06/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I have contacted M & T bank to resume payments of my XXXX mortgage after covid forbearance. I requested the options below that are currently ( XXXX ) published on consumer finance.gov. The representative informed me that those options were not something M & T would honor and that o would have to fill out documentation, provide financial details and apply to find out my options. I requested documentation with the details of what I was applying for. The representative stated she would google them and read them to me. I asked if her company provided these documents as reference for her or if they were documented anywhere I could access them, she said no. I expressed my concern with applying for something that I am not able to review first. She had nothing to offer other than that is all she can do.
I feel like M & T is attempting to take advantage of the rising interest rates by forcing people to modify their loan. This was never communicated as the only option and in fact was not mentioned in any documents received until rates went up. The info below is directly from a government website. I requested a written payment plan as it states I should be provided, I was told I have to apply for that.
XXXX XXXX XXXX XXXX does not require a lump sum payment at the end of the forbearance.
If you can resume making regular payments your servicer or lender should either offer an affordable repayment plan or term extension to defer any missed payments to the end of the loan. If you are unable to resume making regular payments, your servicer or lender should evaluate you for all available loss mitigation options.
Upon completion of the forbearance, the lender shall communicate with the borrower and determine if the borrower is able to resume making regular contractual payments. If so, the lender shall offer the borrower a written repayment plan to resolve any amount due or, at the borrower 's request, extend the loan term for a period that is at least the length of the forbearance.
Visit XXXX XXXX XXXX 's coronavirus I would very much like to resume payments using the 2nd option above. M & T does not want this, they are only interested in options that result in profit for themselves.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the 3 credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a 3rd dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments.
With XXXX XXXX, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to COVID, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either!
For the XXXX XXXX XXXX XXXX XXXX account, there are 2 late payments reporting, neither were valid either! One of them, they admitted to their system being down due to COVID and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened 2 new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified.
For M & T bank, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!
|
| 07/13/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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- Confusing or missing disclosures
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Web |
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My complaint is with M & T and their lack of communication and disclosure.. Hudson City Bank and M & T Bank , merged XX/XX/XXXX ... .to date, I have not received ANY information from them as to the process of which determines when I should receive my frozen assets currently with XXXX XXXX XXXX . XX/XX/XXXX I previously submitted a complaint ID # XXXX XX/XX/XXXX Received a written response from M & T Bank indicating they have sent out a communication letter dated XX/XX/XXXX ( they did not send me a copy of that letter, but only provided the date ). I never received this so called letter. I asked other former Hudson City employees and they did not receive this letter as well. The letter stated that M & T had filed an application for termination to the IRS ( dates were not given ). Once the termination has been approved by the IRS, benefits will be distributed as soon as administratively possible. I have enclosed all documents pertaining to my complaint, which was sent to me dated XX/XX/XXXX. ( as per the letter, if I had questions, I can reach out to XXXX XXXX @ XXXX I called XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX with no voicemail to leave messages, the phone continuously rang and rang. I called the IRS, XXXX XXXX, ( Special Services ) XXXX. he said that I have to call M & T Bank as he shows the application was approved and they are the party to release the funds in XX/XX/XXXX. I thought to call XXXX XXXX XXXX XXXX, to check to see if the funds have been released without me being advised. The woman I spoke to explained that it is still frozen, and M & T should be the party to release them. There are several hundreds of former Hudson City Bank employees awaiting the same. This is utterly ridiculous that the left hand does n't know what the right hand is doing??? It has been almost a complete 19 months since the M & T vs. Hudson City merge and several hundreds of us do not have a clue as to when we may expect M & T to release our money!!!!!! I am requesting CFPB mediate, as this has fraud written all over this. M & T must be out of compliance as more than 20 people I have spoken with have not received any information regarding our entitled money.
I can be emailed : XXXX
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| 10/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
|
|
Web |
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Since the end of XX/XX/XXXX I have been dealing with a mistake that M & T Bank caused.
They claimed to never get my XXXX XXXX when I moved into the house in XXXX. Since then I have been paying those taxes with my mortgage payment. They have promised me on several occasions they would fix and correct the issue. I have done everything they asked and needed of me and called regularly to check the status of this issue. During all of XXXX the issue only got worse. Every time I called I was never able to get the same person twice on the phone in the tax department so the issue became confusing on both ends and it basically turned into too many cooks in the kitchen situation. My XXXX statement said that my payment amount would be going up {$400.00} a month which is what prompted my original phone call. I have since found out about the taxes being wrong for 2 years and M & T Bank told me in total I should have about {$700.00} in taxes taken off of my payment. Great news right? Well it has taken them this long and the issue STILL isn't fixed. Every time I call I am told to give them a few more days and I have been extremely patient but I am at my wits end here. This should have been handled in 5 days tops and I am going by what M & T told me originally. I have had my issue expedited 6 times and now I have one person who I can contact directly to receive status updates which in the week I have been talking to him he never calls me, I have to call him and he never has an update. He asks that I give him 3-5 days to get a new escrow analysis done and I have done that plus an additional day and still no change. I am livid and exhausted with all this nonsense. I immediately tried to get this taken care of back at the end of XXXX so that it would be done and fixed before my XXXX payment was due but here we are, XXXX XXXX and still no resolve. I told them many times that I wanted this handled asap so that I would not have any issues by the time my mortgage payment was due. Please help me with this, I've tried so hard not to scream and yell at any of those people over the phone but I have cried because I am just so beyond stressed and exhausted from this whole thing. Thank you, XXXX XXXX
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| 08/23/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
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|
Web |
Older American |
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I'm XXXX and retired on XXXX. I've been having trouble with M & T bank for some time now. I will try to make this as short as possible. 1. A few years ago I had to file bankruptcy for my account with M & T. 2. Last year the bankruptcy was done. 3. M & T filed a sheriff sale on me. The amount they wanted me to pay to stop the sheriff sale and have my loan modified was the amount paid to them from the bankruptcy. 4. I received a phone call from a man identifying he was with M & T. He knew my account details and told me how much to send M & T to do the modification. 5. I sent the payments to the address, person, and made payable to M & T. 6. I made these payments for about 6 months and I then had a paper stuck on my mailbox from a realtor saying my home was in foreclosure. 7. I called M & T customer service in New York. After being on hold for quite some time the woman came back and told me I was going to be evicted because I didn't respond to the sheriff sale notification. I explained everything and she said there was nothing I could do. 8. I contacted the XXXX XXXX XXXX and the referred me to XXXX XXXX XXXX and was assigned an attorney. 9. M & T denied any monies were ever paid to them from me or the bankruptcy. 10. I sent them copies of all my documents and money orders. My attorney also gave them copies. 11. The other day the sheriff served me with ejection papers, I contacted my attorney and he said that M & T has no intention of working with me. I asked to buy my home from them for what was owed on it but they don't want to work with me and my attorney said I might not have any options. 12. There has got to be something I can do to keep my home that my Dad built in the late 1950 's. Well that's basically my situation in a nutshell. I feel that M & T has been harassing me and lying to me for years. I'm not sure if that would fall under elderly abuse of any kind or not but I am emotionally and mentally fatigued and my health is going down hill over the worrying I'm under over this. I hope you can give me some advice or help so I can keep my home. Thank you and God bless, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, Pa. XXXX XXXX XXXX XXXX XXXX [ XXXX : XXXX ] XXXX
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| 01/18/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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XX/XX/XXXX around XXXXXXXX XXXX XXXX phone was stolen at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX. The phone included an XXXX XXXX XXXX credit card, M & T debit card ( x XXXX, joint account for XXXX and XXXX ). ATM pin was not enclosed with debit card and NY driver 's license.
M & T was notified @ XXXX XX/XX/XXXX of fraudulent activity on XXXX 's debit account, 5 non-M & T ATM transactions, in total {$900.00} and 6 non-M & T inquiry ATM fees, in total {$19.00}. The overall amount was {$920.00}. M & T immediately provided a provisional credit of {$920.00}. M & T XXXX XXXX XXXX XXXX is an Investment Banking Analyst in XXXX.
XXXX has never been able to take more than {$100.00} from a non-M & T ATM -- -how is this possible that these 5 non-M & T transactions for over {$900.00} were approved by M & T in one block of time?
The weekend ABs phone was stolen she consequently replaced her phone ( see attached replacement bill ), her NY license ( see attached replacement documentation ), M & T debit card & XXXX XXXX XXXX credit card ( see attached replacement documentation ). XXXX XXXX XXXX credit card already had XXXX fraudulent transactions totally about {$110.00} before the card was frozen. All deemed fraudulent by XXXX XXXX.
Dated XX/XX/XXXX, M & T sent a letter saying, " after a review of your account and thorough investigation, we have determined that these transactions in question were processed correctly, and no error has occurred '' Therefore we are denying your claim, # XXXX ''. " The provisional credit was reversed on XX/XX/XXXX '' XXXX XXXX, XXXX called to request claim # XXXX be reopened ( contacted XXXX ) - XX/XX/XXXX contacted XXXX that we had additional documentation, and we were instructed to go to the nearest M & T Branch and fax the documents to request the claim # XXXX be reopened. That same day, M & T Branch ( XXXX XXXX XXXX XXXX, NY XXXX ) faxed to XXXX the following replacement documentation : XXXX XXXX XXXX XXXX replacement phone, XXXX XXXX XXXX credit card and New York drivers license.
XX/XX/XXXX contacted XXXX contacted M & T for a status and NOTHING has been done to address our claim and no follow-up dates have been provided.
|
| 05/09/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
Older American |
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Dear CFPB, I, like many Californians, have been fighting to keep my home. I lost my job in XXXX and while I could not make full payments, I made partial payments that the mortgage holder, M & T Bank, accepted for several years. Once housing values began to rise, M & T Bank began a series of moves intending to foreclose on my property. The foreclosure was in place and going to court when I hired a law firm that claimed they would help. They only thing they did was send a letter letting the bank know I was now represented. They did nothing to negotiate lower payments or a more reasonable payment schedule.
However, I was able to get a loan modification agreement in place with M & T Bank. I have paid every payment on time, in full as required by the agreement. M & T Bank claims they did not receive the payment for XXXX XXXX ; I have a copy of every cashed check since XXXX XXXX when the 1st trial payment began. They received the XXXX XXXX payment of {$1800.00} on XXXX XXXX, XXXX and my bank cleared the check on XXXX XXXX, XXXX.
They have been reported to all XXXX credit agencies that I have been late on my payments since XXXX XXXX when I began my XXXX trial payment for the loan modification program. They claim I was late for my payment in XXXX XXXX - they received the payment on XXXX XXXX, XXXX and claim that I was late in XXXX XXXX when they received payment on XXXX XXXX, XXXX.
They have been trying different ways of foreclosure for the past two years and destroying my credit is just another method. I have called the bank a number of times to try to get them to fix the problems and refund the late fees that I paid in XXXX XXXX but did not owe but can not get anyone to actually sit down and fix the errors on their end.
I am almost XXXX XXXX XXXX, without funds, XXXX and ca n't continue to fight them by myself. I have filed disputes with the credit agencies but they are waiting for M & T Bank to respond, and M & T Bank has no impetus to respond ... in the meantime my credit rating is taking a huge hit. Please help! I can send you copies of all the cashed checks to prove I paid every payment on time.
Thank you in advance for your time and consideration.
|
| 11/01/2023 |
Yes |
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
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My mortgage was assumed by M & T Bank. I went from paying about {$560.00} with my previous mortgage company or so to over {$1000.00}. When asked why the increase I was told that my escrow balance was in the negative. I paid what I was supposed to pay. I lost my job and asked about modifying my escrow payments until I was able to find employment. I also asked for any programs that they provided to help. I was told I could not get help until I was late. Of course, I end up paying late due to no job and their advice. Then I'm told I'm not behind enough to get help. So now I'm trying to catch up. Well I go to make a payment and I'm locked out of my account. I try to call I can't get anyone on the phone. When I was able to get someone on the phone 2 days later this posted as another late payment to my credit. For the past 4 months I've called and asked them to not lock my account so that I can make payments as necessary. I work the same hours as them an need flexibility in making my payments. I spoke to someone about help ( now that I'm almost 3 months behind ) and they are supposed to send something. Then i was told i had to make XXXX payments instead of the XXXX that i was able to make. I still haven't received it. The principal on my mortgage is {$160.00} and my mortgage payments are about {$1000.00} ( or so ). Why is {$650.00} going to escrow?!! {$200.00} is going to interest. I'm paying more in both interest and escrow then is even going to my mortgage. Especially without notification or explanation that was going to be a change. I feel as though they were giving me bad advice and increasing my rates to make me loose my home. I got approved off of a job making $ XXXX. They were not willing to even set up a plan to pay off any negative escrow balances ( to was due to no fault of my own. ). To block me from making payments so that I can get caught up and to not even offer XXXX service for those with alternate schedules if online is not available. My credit has gone from the mid XXXX 's to the XXXX 's all from following the advice from a company that is supposed to be helping companies not setting them up for foreclosure and financial ruin. This is sad!
|
| 07/25/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
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I was offered a promotional credit of {$250.00} by M & T Bank for opening a new checking account in XXXX , 2017. I believe I received this offer by direct mail, but I have since destroyed the solicitation assuming the credit would be granted in good faith. After several conversations with M & T Bank I am confident they are aware of the promotion and it was not a third party scam. I opened this account and met all criteria ( that I am aware of ) to receive the promotional credit. Conditions involved qualifying direct deposits within a certain period, etc. I am also aware that the account will need to be open at least 180 days from setup date in order to avoid penalty if the promotional credit is given. The account was opened XXXX XXXX , 2017.
Qualifying direct deposits were made to meet offer criteria.
I phoned customer service after qualifyin g direct deposit to inquire about timing of the promotional credit. I was told by an agent that the credit could take up to 90 da ys ( 3 statement cycles ) to process.
After 90 days ( late XX/XX/XXXX ) I once again called M & T to inquire about the promotional credit. It was during this phone call I was told by the agent that because at time of account setup ( online ) I did not enter a corresponding promotional code that I would not be entitled to the promotional credit benefit. I asked the phone agent to escalate this issue and he had stated that the issue could only be remedied at a bank branch. I immediately traveled to a nearby branch where I was met by a service agent who confirmed my account, took my information and told me that she was unable to correct this issue, but could initiate a complaint. I believe that M & T Bank could have easily ( at time of prior inquiry ) told me of the issue so I could take steps to remedy because I had specifically contacted them to inquire on status of the promotional credit. Whether willingly or not, I believe M & T Bank is withholding these funds as promised in their promotional materials. At the very least, M & T has misrepresented this offer or have purposely made it difficult for consumers to receive this credit as advertised.
|
| 08/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
In XX/XX/XXXX, I obtained a mortgage from XXXX Bank to retain ownership of a residence due to divorce. ( loan no. XXXX ) In XX/XX/XXXX I was unable to pay taxes and insurance for my home to to illness, the death of a partner, and financial problems related to an ongoing business. The bank entered into foreclosure action in XX/XX/XXXX, Through out the process I kept the ban informed of other property that I owned that was in litigation. The property finally sold and I requested the bank 's attorneys an amount to reinstate my mortgage under its reinstatement clause.I recieved a total amount for all costs, payments late charges attorney 's fees for a total of {$66.00}, XXXX. This amount was paid by cashiers check on XX/XX/XXXX Sometime in XX/XX/XXXX the mortgage was assigned to M & T bay who has used XXXX XXXX as a servicing agent. the principal balance due at that time was {$56000.00} At the timeof the assignment I was led to believe that the bank would modify my mortgage at the current interest rates. during the first foreclosure It was determined that the residence had substantial hidden leak damage.I used other monies to start reconstruction of the roof and upper story of the home. When I informed the servicing agent that I was in construction for repairs they backed off the mortgage modification and said they could not do anything in the matter or do any refinanciing. The Bank then raised my monthly payments to roughly {$1800.00} per month which I could not pay. They then created a scheme of charging me for late payments and interest on payments they claimed were due in XX/XX/XXXX and the last statement indicated that I owed over {$92000.00}. The bank filed a XXXX foreclosure in XX/XX/XXXX. This new foreclosure has halted the reconstuction on the property because I ca n't get any financing or refinancing to work the construction From a principal balance of {$56000.00} on XX/XX/XXXX I now owe over $ XXXX.in XXXX months.
I bought the residence in XX/XX/XXXX it has a market analysis value of between {$950.00} to {$980000.00} It is roughly an acre of land with a natural beasch at the waterfron and the road side of the property faces a small park.
|
| 04/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I received a letter, ( dated XX/XX/2022 ) which apparently crossed in the mail with my regular mortgage payment, stating that an amount of {$520.00} was " unapplied. '' And that I needed to send them {$340.00}. I was completely confused. I had not sent any partial payments.
I wasted some personal time calling in. I initially spoke with XXXX, who simply gave me back the information I had given her. I asked for the manager and spoke with XXXX. He let me know they have this excess amount of money which is mine and that they also had my full payment. I parenthetically state they made mention the word " foreclose '' in their letter.
XXXX agreed to send me back this money. He said it would take 7-10 business days and I would receive a check. This is what I expected and I believed I would receive a check shortly.
Some days later, maybe 6 or so. I get an unrecognized call. I usually do not answer, but had workers trying to reach me so I did. Some woman saying I'm XXXX from M & T bank is demanding to speak with me and is telling me I have to fax the bank proof that this excess money is not ill-gotten gains. Or some polite version of that.
I should have thought that would be the bank 's job to do the forensics on this to understand where they made the error. I told her I didn't have to do any such thing, with slightly more colorful language [ I do not speak to banks by phone unless I actually personally know the people ] and told her that anything else she had to say to me would be in writing and disconnected without another word.
Please assist me in communicating to the bank the importance of : 1 ) Notifying people they have " unapplied funds '' and leaving the word " foreclosure '' out of documents unless the client is in arrears.
2 ) Refunding such money the instant it has been discovered, not initiating a conversation about it.
3 ) Not demanding that the account holder do the tracing of the money. I did not send them additional money, it is likely left over from something they never had to pay for, charged me for it and never returned it.
Thank you for your assistance in obtaining a refund of these " unapplied '' funds.
Kind Regards
|
| 02/19/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
Older American |
|
On XX/XX/19 I went through the drive through service at M & T Banks XXXX and XXXX Branch and submitted a check number XXXX for my checking account ending in XXXX for {$940.00} and a deposit slip for {$840.00} of this money to be deposited in cash into my checking account ending in XXXX and when I received the receipt from teller Ms. XXXX XXXX my {$840.00} was not made available to me when I asked that the funds be made available she stated that she couldn't and stated her boss Mr. XXXX XXXX agreed. So I went inside the bank and her boss reiterated this to me stating this was the banks procedure that I had to wait until midnight to have access to my money. So I told him this was not correct and asked for all my paperwork back and told him I would take the transaction to the XXXX and XXXX Branch where I opened up the accounts. Mr. XXXX then said he would sign the check to give Ms. XXXX the ok this time but in the future I would have to wait until midnight to gain access to my money. When I contacted the XXXX branch I was told by Ms. XXXX that the Branch Manager Ms. XXXX XXXX was not available but I could write to the Regional Manager Mr. XXXX XXXX and Ms. XXXX would forward the letter to him via email and she said she did not have any other contact information to give me on Mr . XXXX. On XX/XX/19 I wrote the letter to Mr . XXXX which was emailed to him by the XXXX Branch and to date I have not heard from him, although Ms. XXXX said the letter was emailed to him and a copy was sent to Ms XXXX. I also sent a message to customer service on XX/XX/19 and it was deleted from the system, I also spoke with Ms. XXXX a supervisor at the Customer Service department and she was very sympathetic but limited as to what she could do other than document my concerns and maybe someone would call me. I am very concerned that I am being denied access to my money and no one seems to care for today this issue has not been addressed so I would appreciate your help in correcting this matter so that I can go to this branch which is very near my home and make these transactions so that I have access to my money, which I always had in the past even at this location.
|
| 05/09/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was sold off to M & T Bank for servicing and in XXXX XXXX I received a phone call saying my mortgage payment was delinquent. I explained to them my mortgage began in XX/XX/XXXX and it comes directly out of my checking account. M & T stated that my mortgage payment was {$50.00} too short. I explained to them to take it out of my checking account since my mortgage payment has always been set up as a direct withdrawal out of my checking account since XXXX. They said my property tax had gone up, so it was {$50.00} more ( per month/payment ). After a long discussion with someone in the Servicing Department, they advised that I need to sign a form to have the additional amount taken out each month, so I told them to send me the form and they agreed. Nothing was sent so I kept calling them and they would tell me they would send the form. This went on for months and they kept calling telling me my payment was delinquent. I have tried for months to get them to rectify this to no avail. Now they are telling me my mortgage is in default and threatening foreclosure. It is impossible to reach anyone in their corporate office and the only personnel I can reach are the mortgage servicing people who don't seem to get it. I have called seven ( 7 ) New York M & T Branches around XXXX NY and talked to them for help. Each one said they were immediately emailing the corporate office and would have someone call me ASAP. For 6 months NO ONE has called except the Mortgage Servicing people harassing me so I finally told them I would no longer speak to the mortgage servicing department due to their ineptness and that I was requesting a phone call from Corporate to resolve the issue. They refused and to this day I am now being threatened with foreclosure even though my mortgage payment has ALWAYS been taken directly out of my checking since XXXX. I am desperate. I can not get a resolve and they won't take the correct amount out of my checking each month and yet they claim it is my fault. PLEASE HELP! I feel like all they must do is to ignore fixing the problem and then one day just foreclose on my home and leave me homeless. This has become a nightmare.
|
| 06/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XXXX XXXX, XXXX, a representative from XXXX XXXX issued a Scope of Loss that provided itemized details of how the claim funds provided were to be dispersed ( see attached ). On lines # XXXX and # XXXX of the Scope of Loss, XXXX was the named party and were to be paid {$4900.00} and {$7000.00}. On line # XXXX, XXXX XXXX also provided claim funds in the amount of {$100.00} to " stain and finish wood window ''. Per the Scope of Loss, XXXX should have been paid a total amount of {$12000.00}.
On XXXX XXXX, XXXX, a representative from M & T Bank sent a letter confirming that the signed contracts they received from XXXX was for the amount of {$11000.00}. ( See paragraph # XXXX ). This letter also provided a breakdown of how they issued the claim funds that were received.
According to the breakdown that was provided, M & T Bank issued funds to " XXXX '' on XXXX XXXX, XXXX in the amount of {$5900.00} and XXXX XXXX, XXXX in the amount of {$3500.00}. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, a total amount of {$9500.00} was issued to XXXX by M & T Bank.
When XXXX XXXX sent claim funds to M & T Bank, it was accompanied by the aforementioned Scope of Loss. M & T Bank also received a copy of the signed contract from XXXX. M & T Bank has admitted, in writing, that they have only issued claim funds in the amount of {$9500.00} for XXXX. If M & T Bank received a contract from XXXX for the amount of {$11000.00} and a Scope of Loss from XXXX XXXX indicating that XXXX was to be paid {$12000.00}, then there is no less than {$2400.00} due to XXXX. Unfortunately, M & T Bank has refused to pay this amount.
M & T Bank had a fiduciary duty to ensure that the funds provided by XXXX XXXX were issued appropriately. Unfortunately, as of XXXX XXXX, XXXX, M & T Bank has failed to fulfill their obligation to responsibly care for and protect the asset located at XXXX, Illinois XXXX. This misappropriation of funds is illegal and is a felony.
I have been getting the runaround about these funds for over a year. This is my final attempt to resolve this issue with M & T Bank before I begin to file complaints with other authorities who take this very seriously.
|
| 12/06/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
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On XX/XX/2022, at or about XXXX XXXX. I started an administrative process on XXXX XXXX XXXX XXXX M & T Bank XXXX sent and delivered to him by certified mail. In these documents they are including and explained the unlawful actions that I found in the mortgage processes, for the property at XXXX XXXX XXXX, XXXX, VA XXXX.
M & T Bank Violated : Conspiracy Against Rights, Depreviation of Right Under XXXX of Law, Attempt and conspiracy, Aggravated Identity Theft, Bank XXXX, Frauds and Swindles, Mail fraud and other offenses, Interference with commerce by threats or violence, Fraud by wire, radio, or television.
The response I received from XXXX XXXX and M & T Bank, was and have always been a Presentment for payment of the upcoming month or/and a copy of the Deed paperwork. As of the day XX/XX/2022. XXXX XXXX or M & T Bank has not responded to any of my processes. On XX/XX/2022, at or about XXXX XXXX I repeated the administrative process again, to XXXX XXXX XXXX XXXX. In which my documents were received and accepted, by XXXX XXXX or his office. Once again, XXXX XXXX has not responded to any of the affidavits, his corporations interns send me back a presentment and the deed information. This second set of documents included the original documents only difference was that the Notice read. 2nd notice Opportunity to cure.
On XX/XX/2022, I completed the administrative process through the mail, with a 3rd and final packaged, stating and letting XXXX XXXX know. That his acquiesced to my XXXX process has now put him in Default. XXXX XXXX and M & T Bank still have not responded to my Affidavits or demands, placing M & T Bank in Dishonor through the administrative processes along with the demands that were expressed to be discharged.
As a direct and proximate result of the carelessness, recklessness, and negligence of the defendant as aforesaid, XXXX XXXX XXXX XXXX XXXX, XXXX caused to suffered mental anguish, XXXX, lack of sleep and anxiety. And will continue to feel this abuse from, XXXX XXXX every month. From the disregard to my personal wellbeing by his actions, they continue to send me a presentments to be paid every XXXX of every month.
|
| 08/26/2020 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
Servicemember |
|
To whom it may Concern : I spoke with XXXX with M & T Bank on XX/XX/XXXX at XXXX thru the customer support line. He informed me that I needed to write a letter and fax it in regarding my concern and solution to fix my credit reporting.
In XX/XX/XXXX, I was diagnosed with XXXX XXXX XXXX XXXX and forgot to pay my mortgage. In XX/XX/XXXX I started my treatment and my focus was on my health forgetting to pay my mortgage once again. My wife in XXXX took over paying all the bills which were my responsibility. In XX/XX/XXXX, she made a double payment to make us current. Not realizing we needed to make three payments to bring use current. At no time was I contacted by the mortgage company to inform us that we were behind. In XX/XX/XXXX, my wife went online and noticed we were still a payment behind and made a second payment on the XX/XX/XXXX.
This week, I took the bills back over and tried to figure out what had happened. I am now writing this letter to ask for my credit report to be amended and show payments were made on time from XX/XX/XXXX to XX/XX/XXXX. My suggested solution is two part. First part, would be to make an additional payment ( {$1000.00} ) or make a payment in the amount of the fees ( {$690.00} ) on XX/XX/XXXX. Second part, would be to set-up an automatic bill payment though M & T Bank on the XXXX of each month to ensure no late payments in the future. In return M & T Bank would report to all credit bureaus that all payments from XX/XX/XXXX to current are all made on time and current and provide a letter stating so.
If, this solution is not sufficient or you have questions or concerns please feel free to contact me on my cell phone at any time to discuss.
After sending this letter on XXXX, XXXX, XXXX. I was informed on XX/XX/XXXX that no such department existed with M & T Bank and that it was my fault for not finding the mistake earlier. I was given the option to fall behind on my mortgage and then they could fix the reporting. I also received a letter XX/XX/XXXX stating that it is not their policy to fix reporting errors.
If you have any questions, concerns or more documentation please contact me via email ( XXXX )
|
| 10/29/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I received an offering the mail from M and T bank stating If I deposit {$10000.00} until XX/XX/2023 I would receive {$350.00}.
I opened a " My choice premium checking account and deposited {$10000.00} on XX/XX/2023 in person with representative XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX. XXXX said just make sure I keep the {$10000.00} until XX/XX/2023 to receive the promotional {$350.00}. He confirmed I met all the terms. I did in fact keep {$10000.00} in the account without any transactions whatsoever until XX/XX/2023 which is well past XX/XX/2023.
I was told the {$350.00} would be deposited in my account. I never received it. I called XXXX left his messages and emails but he did not respond. I spoke with XXXX at M & T headquarters on XX/XX/2023. She said I met all the requirements and does not know why I didn't receive the {$350.00} promotion. She said she can not do anything else or help with the matter.
I then spoke with XXXX XXXX on XX/XX/2023. He said the promotion was not sent to my name. I told him it was sent to my name and I have the original promotion and read all the terms and conditions. The promo was sent to me but show me where in the terms and conditions it needs to be in my personal name. He refused to answer and said he " would not get into that '' I reiterated that I have the promotion in front of me there are 4 terms listed 1-4 on the back to let me know where it states what he is saying that the promotion needs to be sent to my personal name. Again he refused and also refused to honor the promotional terms. I explained that I fulfilled the terms and kept {$10000.00} in the account from XX/XX/2023 until XX/XX/2023 and that XXXX confirmed I met all the terms and should receive the {$350.00} as promised. That if they do not give it to me it's more then false advertisement it is theft. Unfortunately he continued to say he can not and will not do anything further regarding the matter without substantiating or indicating which term I have not met on their promotional flyer 's terms and conditions. M & T is deceiving the public, committing false advertisement and fraud.
|
| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I am requesting that M & T XXXX. remove XXXX XXXX XXXX day late dated XX/XX/2020 from XXXX, XXXX, XXXX. This payment " late '' due to XXXX extenuating circumstances beyond my control & directly attributable to M & T & XXXX actions. As usual, I attempted to hand deliver my XXXXto the XXXX M & T branch on - however, M & T would not allow clients to enter the branch & would not accept my payment thru the locked door. I tried another branch the next day & had the same result. M & T XXXX XXXX XXXX refused payment slide under door.
I then attempted several times to send XXXX XXXX via electronic funds transfer. XXXX, the bank that I write checks from, ( formerly XXXX ) was in the process of being taken over by XXXX SB. Unknown to myself ( or any customers of XXXX ), XXXX had started to transition/change routing # 's. My electronic funds transfer attempted XXXX was rejected several times due to XXXX not accepting the existing XXXX routing # which I had for XXXX years. I went to the XXXX branch, explained the issue & was provided with an incorrect new routing #. The eft failed again. ( XXXX employees were unaware that XXXX had started the change over ). I finally obtained a correct XXXX routing # & the payt. was processed.
These circumstances are beyond my control. I should not be held responsible for M & T refusing an on time XXXX XXXX & bank acquisition changing of routing #. ( Note : XXXX said they would have honored the mtg.payt.check with the old routing # if M & T had accepted my check with the XXXX routing #. ) I have provided attached evidence of my contact with M & T ( no response ), letter from XXXX admitting XXXX did not recognize their own routing #, and I that I had sufficient funds. There is an error ( of course ) in the XXXX letter. The routing # change began in XXXX XXXX, it was completed in XX/XX/2020 as stated in the XXXX letter ( they are a mess ). I have provided documentation of XXXX takeover of XXXX, proof of multiple attempted XXXX XXXX.s prior to the due date.
Please feel free to contact me re : questions, comments or additional documentation.
Thank you for your assistance with this matter.
|
| 06/17/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a home loan with M & t bank. I 've never been late. Even now.
Part of my loan had a requirement that I open an M & T bank account and the loan payment is pulled from there into the loan.
For XXXX yrs I 've had an automated transaction from my XXXX XXXX account to move {$580.00} into my M & T account. The loan payment is about {$570.00}.
I always check my digital email receipt of the wells transaction and my physical loan mailing update to make sure all is ok.
A week ago, M & T calls me to tell me I have overdraft charges. I assumed my automatic transfer of {$580.00} from XXXX XXXX to M & T failed. But it worked and my loan was paid up to date. I asked " how do I have an overdraft then? ". Them " well you did n't pay the fee '' Me. " what fee?
Basically, they created a {$15.00} " under {$500.00} '' fee on my account that I was required to have. They may have sent snail mail to me but I have a XXXX ratio of junk mail from them so I only read my mortgage mail. My mortgage was up to date.
I had been paying {$2.00} more a month and they took the fee out of that. When that was all taken they gave me an overdraft of {$80.00}. They say they ca n't refund it and I owe them {$5.00}. They " changed '' aka fixed my account so I is only for transfers but they ca n't " undo '' {$80.00} fee. Working with databases and CC transactions I know that is a complete lie and it 's just a rule to screw over customers.
I have never been late. I want my money back.
I was paying them on time for XXXX years. They make a profit off that. They charged me a fee on an account that I was required to have ( profit on profit without extra work on their side ). They did n't properly alert me to the fee ( not thru email possibly hidden in junk snail mail offers ). They took my money and then fined me for the unpaid fee that I was n't alerted about on a required account for a profitable transaction.
Again, I have never been late. I have never used that account for anything other than my loan transfer.
What can I do? They said a manager would call me back after they called back and told me my request was " declined ''.
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| 11/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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We were a customer of peoples bank with an account ending in XXXX established in the year 2000.
Recently M & T bank took over. We have a checking account that monthly receives XXXX rent payments from tenants. In XXXX and XXXX M & T started rejecting our tenants rent payments but did not make us aware of the rejections. The tenants then had to notify me that their XXXX payments were being rejected. These are the exact same XXXX payments that come in with regularity each and every month from these tenants.
I called M & T and inquired about this issue and they found no issues or fraud warnings assigned to our account that would cause this and subsequently lifted the block on our account so that the tenants could pay their rents.
Then in XXXX XXXX M & T XXXX XXXX complete access to their online banking. No one could tell me why. I spoke with Customer service, the fraud department and they made me speak to the local Branch ( Branch inside XXXX XXXX XXXX in XXXX CT ) where I originally opened the bank account in 2000. The bank kept passing me around with out any resolutions. In total approx XXXX hours was spent on the phone with the bank including having to wait in the long queue for this fraud department.
No one was able to help me but the local bank also has no active XXXX on site. A young woman did try and help me but stated the only way I could have access to my online banking was to come into a branch and physically hand my identification to a bank employee. They are fully aware of our residence because our mailing address on our account and which I confirmed with them is a South Carolina address 23 years we have had this bank account and have had XXXX incidents. We recently moved to SC from CT and I am not able to physically go XXXX of their bank Branches. I offered to answer any questions they might have as well as to provide a copy of my ID or do a phone/video call. None of this was acceptable and they refuse to allow access to my online banking. I have since closed my account but now have no access to any of the historical data and statements and will not have them available for tax season.
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| 04/12/2018 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I had a mortgage with this bank for the past year and some months. During the time, I made all payments on time, including even some dubious increase in the monthly payment from {$3400.00} to {$3700.00}. I did my best under difficult circumstances to make timely payments.
During the time, I tried I called them several times to see if we can get a refinance, but each time they flatly denied and wouldn't go any further to explain why, and at the time we were getting a lot of offers from other institutions to refinance. Nonetheless, I continued to make my payments.
Last month, XX/XX/XXXX, we were finally able to close a refi with a different lender who wired M & T 's payoff to them on the same date as above. Before then, they had been made aware of this closing and were totally involved.
As expected they closed my online account that I had been using to transact business with them and retrieve documents and messages on the same day the principal was paid off. The processed it and effectively zeroed out the account.
On XX/XX/XXXX, I saw that the regular transfer that always went out to them on the first day of the month had been initiated and was pending on my XXXX XXXX XXXXXXXX account. I called them immediately to let them know that they my account had been closed with them and I don't owe anything to them. I made aware I had a new mortgage that was due and therefore I need that money to pay the new lender.
We did a lot of back and forth on the phone and told me they would investigate and take the necessary action.
As I write this complaint, on XX/XX/XXXX, they neither have returned my money nor return my call. I am having to borrow money, not only for my new mortgage, but also other expenses that we incur as a young bottom of the barrel family struggling to survive in one most expensive places on earth : XXXX XXXX XXXX XXXX of California.
Every cent we earn is important for us!
It is certainly not right that this bank has unlawfully taken our money for over a week without making any attempt to return it, or even providing me a simple customer service of letting me know what is going on.
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| 12/07/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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The M & T online banking website was updated around XXXX XXXX 2016. The new online banking software would not allow me to login because the website requested my location. I have used my same laptop to login to this website since I had these accounts for around a year and a half. I have used this laptop for all my banking and bill paying and still do. I currently use this lap top to login to XXXX other online banking accounts and they all work fine. I have only had a problem with M & T online banking website allows me to put in my ID and password then gives me an error saying that I need to turn on my location services on my lap top. Why does M & T online bank services need to know my location now? Does it matter? This is the reason that it gives, for me not being able to login and transfer my funds. M & T login banking did n't need my location for the last year and a half. Not being able to login for this reason has caused me to be charged horrific fee 's. I had money in another account that should have been used to cover the debits and checks that I usually debit every month. This bank continually charged my account multiple times for the same incident for insufficient funds when I had money in another account, that had not been transferred. XXXX XXXX 2016, my system of banking was upset by the new M & T online banking software failing to let me login because it did not know the location of my laptop, when in the past it did n't need to know the location of my laptop. I have been a excellent account holder, never any charges for insufficient funds or anything, never. I have excellent credit. I am an educated consumer whom follows the rules and avoids fees and charges by the bank on accounts. I really think the M & T updated website was designed to create this location error so that they can get rid of consumers whom they do n't make much money in service fees. I would like to present my laptop to your bureau to show how they used this deceptive practice to extort money out of smart consumers. I worked for 40 years in the technical industry. I build computers. Please allow me to show you my laptop.
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| 11/25/2015 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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In XXXX of 2015 my property had some water and mold damage. While completing the repairs M & T bank refused to release funds in a timely manner to complete my repairs. First I was advised because I had mold damage I had to produce an estimate and paid receipt. I informed them that I did not have funds to pay the mold removal upfront hence why I needed the check. They advised me that an inspector had to come out. I stated that was not a problem. Inspector came and stated the work was completed with a XXXX % satisfaction ( this was for the mold mediation ).
My insurance company issued additional funds to complete adding new, insulation, sheetrock, plaster, sanding and painting. The bank stated another inspection was needed to release funds. I advised that an inspection was just done and they stated another one was needed. Another inspector came out and stated that it was 90 % satisfaction. The bank still delayed on releasing the funds. They held the final insurance check for over a month before releasing the funds. Each encounter with an M & T rep I was told something different. When I finally had the check cut it was made out to both the contractor and myself and the local Branch refused to cash the check.
I spoke to XXXX from their lost draft department, and she stated the bank rep called and was advised that the funds could be released. The bank rep XXXX stated the total opposite. As of XXXX/XXXX/2015 I have still not have not been able to cash the check. Until this point M & T bank issued all checks to me however, nowhere is these new processes published on their corporate website Mtb.com Consumers are at the mercy of which ever agent answer the call there is no consistency in procedures or communication from neither the loss draft department nor the branch to process the checks.
During my encounter I have advise them of my frustration and inquired why has there been these change and the agents have not been able to explain. The local branches are not familiar with the new procedures, nor can they explain why the checks are being issued to both me and the contractor.
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| 02/03/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened an M & T Premium Checking account on XX/XX/XXXX, using XXXX XXXX XXXXXXXX which offered : Simply open your XXXX XXXX Checking account by XX/XX/XXXX with XXXX XXXX XXXX, and maintain an average monthly balance of at least {$10000.00} in XX/XX/XXXX and XXXX XXXX Get an extra {$150.00} Set up qualifying direct deposits to your new XXXX XXXX Checking account, totaling at least {$500.00}, within 90 days of account opening.1 I deposited some money In XXXX, so as of XX/XX/XXXX, the balance in this account was {$12000.00}. I then continued depositing money. As of XX/XX/XXXX, the balance was {$24000.00}. I continued depositing money into XXXX, and then on XX/XX/XXXX, I withdrew some money. As of XX/XX/XXXX, the balance was {$8100.00}.
It seems to me that, although the specific calculation of average monthly balance was not defined in the terms of the offer, any reasonable calculation would have my average monthly balance in this account as higher than {$10000.00} in the months of XXXX and XX/XX/XXXX. As I understand it, the most typical definition of average monthly balance is : ( the sum of each days closing balance ) / ( number of days in the month ) By that definition, my average monthly balance was {$17000.00} in XX/XX/XXXX and {$24000.00} in XX/XX/XXXX.
However, M & T is refusing to pay out the {$300.00} bonus. They are claiming that the account balance had to be above {$10000.00} throughout XXXX and XX/XX/XXXX to earn the bonus. But thats not what the offer said! You can see, even today, they have a similar offer up at XXXX : XXXX with similar requirements : To receive the Premium Checking Bonus, open a new XXXX XXXX Checking account between XX/XX/XXXX and XX/XX/XXXX and maintain an average monthly Premium Checking account balance of at least {$10000.00} for the months of XXXX and XX/XX/XXXX.
And you can see, in those terms for this similar offer, there is no mention of any requirement that the balance be above {$10000.00} throughout the entirety of the months in question, only that the *average monthly balance* be above {$10000.00} for those months.
Help?
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| 11/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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My home property taxes were assessed at the wrong percentage of XXXX XXXX instead of XXXX XXXX because the house was not listed with the county correctly. When I saw the issue because of much higher my monthly payment was and my escrow being incorrect, I contacted XXXX, who was then the servicer of my mortgage. They told me I needed to go and fix the issue with the county, but advised me that it was best to go ahead and pay the higher incorrect amount now and to keep my loan current, and that when the county issued the money back to XXXX, I would receive a refund for the overage. This should have been in the amount of {$680.00}. As I was in the process of getting my taxes fixed with the county, I found out my loan was sold and now being serviced by a new lender, M & T Bank. They still have the incorrect amount as my monthly payment that is due. I have had to do A TON of back and forth trying to get this all situated. So on XX/XX/XXXX, a check in the amount of {$2700.00} was sent from XXXX XXXX to XXXX, who handles the billing for both of these lenders, the check initially went to XXXX, then I had to get XXXX to send the check to M & T, and now they are telling me that I am only due an overage of {$54.00}. I spoke with a woman named XXXX from XXXX XXXX on XX/XX/10, then XXXX and XXXX at M & T on XX/XX/10, and then their supervisor XXXX XXXX who told me I would be receiving a check for {$680.00}. A month goes by and nothing, then I receive a new analysis saying that my overage is only {$54.00} because the last analysis was saying I was suppose to pay {$20000.00} in XXXX as well, but I purposefully didn't make a payment to M & T UNTIL we got everything squared away, and now they are taking money back saying I owed them the higher, incorrect, amount. Bottom line is, I paid a higher, incorrect, amount to XXXX in XXXX, they sold my loan to M & T, and now they are telling me too bad, you're not getting the money back, even though that is what I was advised to do. Please help me rectify this, I have jumped through a hundred hoops and thought I had it squared away and it's not.
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| 09/12/2018 |
Yes |
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I have been fighting with this bank since I came back to island and found out that somehow they acquired my loan from my prior lender. I have everything set on auto-pay for my mortgage from my lender for years so there would never be any sort of issue.
I was off island on international travel and had no access to snail mail - once I returned, I found that M & T Bank had bough my mortgage roughly three months prior. However my payments kept going to the old financial institution. I provided all proof that the payments were in fact made to the old bank, and wrote letter after letter that I was out of country and had NO way to know this had transpired. NOT one phone call from M & T Bank to tell me they were my new lender or that I had outstanding payments with them - when I asked WHY I did not get an email or phone call I was told they do not have my contact information - so let me get this straight, you can buy out my loan on my mortgage but not have my phone number? This makes no sense whatsoever.
They reported me 60 days late on my credit report which was well over 800 and now dropped over 160 points because of this - I had my own current bank prove the payments were sent from my checking account and the funds withdrawn every month ( so I would have had no idea there were issues ), the old mortgage company even sent a letter to M & T Bank stating they did in fact receive the payments and they ended up refunding those to me. All of this was faxed to M & T Bank as requested and letter after letter they mailed back and said NO they will not fix the problem.
The money was eventually paid to M & T Bank however due to no fault of MY OWN I now have a significantly impaired credit rating and they still refuse to take off the {$140.00} in late fees.
This bank is a sham - I am reporting them to federal lending act as well as the VA as my mortgage is backed by the VA and this organization should not be allowed to service or take advantage of veterans.
I have been dealing with this nightmare for well over 8 months and they REFUSE to fix my credit or take off the late fee.
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| 08/17/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I began contacting this company to exit forbearance at the end of XXXX XXXX. It's XX/XX/2021. 0 progress has been made.
The retroactively added 3 months of late payments during the forbearance period, so we can't refi away from them.
A HELOC company said we were in default, but we were never informed of this.
I told them I would be leaving the country for weeks leading up to XXXX when I left. While out of the country, they called the XXXX XXXX POLICE on ME, while I told them I was out of the country - who harassed my tenant/future partner on the house. This is absolutely an abuse of taxpayer dollars. Whoever made that call needs to be fired/held accountable.
When I returned home in XXXX, I found a letter dated the day they called the police. In it, they threaten my mortgage if a PACE lien is not cleared from the title. ( FHA loan ).
In addition, they offered a " trial repayment '' plan in this letter. This is fine, but it started before I returned and no one informed me this was happening to plan for a way to pay it while I was gone ( requires paper checks sent to a US address ). I could have paid anything digitally/bank wire, but I couldn't send a letter from XXXX to XXXX!
I opened a CFPB complaint, they said they would have their lawyer contact me to work it out. It's been an additional 2 weeks with no updates or answers to our questions.
In the meantime, this means their additional mortgage trail period payment is 16 days late and I still can not get an answer to some basic questions : 1 - I do not know how long the liens will take to be removed from the title. So where does that leave us with the threatening letter?
2 - I do not know if M & T has been paying the escrow - or if we're still in the " special program '' that you never cashed the checks for. If so, we will need the total for our civl trial against XXXX ( CA AG found the contractor guilty criminally ) 3 - If the liens are removed - how long to M & T to adjust the balance owed so we can see the best way forward for us?
4 - what's the status of " missed payments '' during the foreclosure period.
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| 09/01/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Hello, I opened my M & T banks checking account using a promo. Here are some details : - Date : XX/XX/2022 ; - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Open any personal M & T checking account by XX/XX/2022, and make qualifying direct deposits totaling at least {$500.00} within 90 days of account opening and get this special offer ( {$250.00} bonus for XXXX XXXX XXXX ). The bonus will be credited to your account within 90 days of all requirements being met.
What I did : On XX/XX/2022 XXXX ) I found the promo on XXXX
2 ) It forwarded me to the XXXX XXXX XXXX XXXX
3 ) Clicked Redeem Online ''.
4 ) Put my zip code XXXX as requested- received the Good news! A cash bonus promotion is available in your area message.
5 ) It forwarded me to the application where the promo code XXXX was already pre-populated.
6 ) I filled in all the requested info and the application was approved and the account was opened.
On XX/XX/2022 : My {$500.00} paycheck was credited to the account as a direct deposit.
It's been more than 4 months since that direct deposit but I havent received the bonus though all requirements were met.
Also, I contacted a bank representative using online account messages and got a reply that I was not eligible for the promo as my zip was not included in the promo area.
I have a strong concern about that because : 1 ) There was no promo/eligible area ( or something like that ) in the promo terms and definitions on the promo page and during the application. See the attached prints of those pages.
2 ) When I clicked on the Redeem Online '' in the beginning, the Enter your ZIP Code so we can connect you with special offers popup appeared and requested my zip code. Once I put it the A cash bonus promotion is available in your area message appeared. I think its a direct confirmation that my zip was considered eligible at the time of application.
I think I fulfilled all promo requirements and should get that {$250.00} bonus. Otherwise, that promo should be treated as a false advertisement.
Please investigate.
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| 04/28/2022 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
Older American |
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M & T Bank did not provide us with an itemized breakdown or disclosed attorney fees in the final loan modification.
We have been working with our lender M & T Bank with assistance from HUD, to modify our loan due to covid, as we had initially applied for a forbearance.
When we received the loan modification documents, on XX/XX/2022, we were expected to return them by XX/XX/2022, 10 days. We reached out to our HUD counselor, XXXX, who has been an angel, to help us understand the loan modification, as well as be on the call with us to M & T Bank, today, XX/XX/2022.
We spoke with XXXX who identified herself as a member of the Single Point of Contact loan modification team with M & T Bank.
We explained that in the loan modification documents M & T Bank stated : " HUD will advance payments you are behind plus attorney fees in the amount of {$35000.00}, plus the above contribution will bring the account current. '' However, in the above contribution estimated costs there are no fees listed. The document goes on to state : I have enclosed an interest free subordinate note and a subordinate mortgage to HUD for the monthly payments, attorney fees and principal balance reduction in the amount of {$41000.00} for a total of {$76000.00}.
There was not a breakdown of other fees or attorney fees included anywhere in the loan modification documents. When we asked for a detailed breakdown list of all of the fees. XXXX asked us if we were accepting or refusing the loan modification. We said we wanted a detailed list of all the fees the M & T Bank was charging as they were not listed in the loan modification documents, and we asked for an extension date to return the documents. It wasn't until XXXX, our HUD counselor, said that we have the right by law to know what these fees are, that she ( " XXXX '' ) offered an " escalation '' to allow us an extension of 7 days ( to XX/XX/2022 ), and that M & T Bank would get back to us.
If you require more information, we can send you the entire loan modification packet.
Thank you for your time and attention to this matter.
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| 09/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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In XXXX, my mortgage was taken over by M & T bank. The mortgage bills comes from XXXX. I have paid each month by on-line banking. The address for XXXX according to the bill is XXXX XXXX XXXX XXXX, Texas. For three years, I have never been late on a payment and have always rounded up on my payments. Everything was worked will until XXXX, XXXX. I received a notice in XXXX that said I had not paid my mortgage for the last two months. I looked on line and I had paid both XXXX and XXXX payments. I contacted my bank, XXXX XXXX XXXX and asked why payments had not gone through and they verified that payment was sent to the address above on XXXX and XXXX. I contacted M & T Bank and they responded they had not sent it. I verified the address which is on the bill and I was told that was not the address it should be sent to. Instead it should be sent to XXXX XXXX XXXX, XXXX, MD. When I looked at the bill, the tear off portion of the bill had the XXXX address. When I told him the bank had sent the payments to the previous address, the customer service rep said something to the fact I don't know but it's the wrong address. XXXX XXXX XXXXXXXX also sent a letter to M & T Bank explaining the process of the payment to the XXXX address.
Another payment of {$2200.00} was sent on XX/XX/XXXX.
On XX/XX/XXXX I received a letter saying that my payment was delinquent and I owed XXXX {$1000.00} and XXXX {$1000.00} plus my current month of {$1000.00}.
Since there was confusion with my on-line banking I wrote a check on XX/XX/XXXX for {$2200.00} which was cashed by M & T Bank on XX/XX/XXXX and I wrote another check on XX/XX/XXXX for {$1100.00} which was cashed by M & T Bank on XX/XX/XXXX. According to the bank I owed a total of {$3200.00} with late fees which I never was late. I paid a total of {$3300.00}.
On XXXX, I received a letter from M & T Bank saying I had defaulted on my loan. However, I am in total disagreement and have paid. I'm not sure why the previous three years there were no issues and now they can't receive my payments, even after they have cashed the checks.
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| 12/22/2017 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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To whom I may concern, On XXXX, I XXXX XXXX XXXX received a copy of a refund check for {$780.00} from XXXX XXXX XXXX made out to the Estate of XXXX XXXX XXXX. On the back of the refund check, XXXX XXXX endorsed the check to deposit in her personal savings account at M & T Bank. I contacted a representative of M & T Bank at XXXX, and she did not know the policy and procedures if an Estate check can be deposited.in a personal savings account. XXXX XXXX XXXX at Register of XXXX ( XXXX ) in Delaware gave explicit instructions that an estate account for the Estate of XXXX XXXX XXXX must be established at a bank with all three co-administrators must be present at the same time. All three co-administrator names must be on the estate account, so any transactions for the Estate of XXXX XXXX XXXX would require three signatures. XXXX XXXX XXXX XXXX XXXX have refused since XXXX to meet with me at any bank to establish an estate account. On XXXX, XXXX XXXX and XXXX XXXX went to XXXX XXXX in XXXX, DE and liquated XXXX XXXX XXXX XXXX 's personal checking and savings accounts, but did not establish an estate account.
I am requesting M & T Bank to freeze the {$780.00} refund made out to the estate of XXXX XXXX XXXX that was deposited in XXXX XXXX 's personal savings account. M & T Bank can schedule a appointment date and time when all three co-administrators can meet at M & T Bank to establish an estate account. As an alternative, remedy, M & T can issue a check for {$780.00} for the Estate of XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX DE XXXX, M & T Bank should follow all State and Federal regulations and compliance for a estate account, since there is a great distinction between a estate account and a personal checking and savings accounts, especially when there are three co-administrators.
If possible, I would like a copy of the policies and procedures pertaining to an estate account at M & T Bank. If there are any additional questions, please do not hesitate to call me at XXXX. Secondly, XXXX XXXX 's personal savings account number is XXXX.
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| 12/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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I applied and received a mortgage on a bank-owned house in XXXX Ohio last XXXX 2016. I also received a XXXX loan with this home. I had a contractor, who arranged for the work, and I signed the contract, not aware that things were missing. The basement and crawl space has frequent water, has damage, and was not listed on the original paperwork. I was not present to ask about those things at the time. Contractor turned out to be unsavory, even though vetted by my local mortgage company. Mortgage was then sold to bank in New York. I have not drawn on the loan, but keep paying. Bank seems 'stuck ' with what needs to be done, even though I have tried to express to them importance with their forms and XXXX info, that I can change things to ensure my Health and Safety in that home. They do not say yes/no, they merely re-state I must do things by a certain date, or I am out of compliance. I want to rearrange loan monies to fix the basement. It still requires $ XXXX to fix everything, and I will have to find a way to financially do this. This is before things can be done like replacing exit door and tiling area, which is on the original list. The house has foundation problems with accompanying moisture and mold issues and lower level can not be made habitable until rectified. Submitted paperwork to do same, but bank is telling me for the past 6 months or so, that I need to stick to the original plan. I question bank 's rendering of this loan process when things need to be altered. I have been transferred to at least XXXX staff for administration to no avail. I am tired and can not afford a legal representation at this point ... I also have a house to sell in order to move, but can not do that until I have a new place to live ... I 'm XXXX and have animals and work full time for my XXXX. It has not been easy to deal with M & T Bank, because they do not seem to listen. Please assist me as you can. I welcome ANY helpful information. I would like to refinance the entire loan and start over, if possible. Preferably with a LOCAL BANK I can deal with. Thanks.
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| 08/15/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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On XXXX/XXXX/16, I went to the ATM located at the M & T bank at XXXX XXXX XXXX XXXX, XXXX, VA around XXXX. I use this ATM on a regular basis usually every other Thursday when my payroll has been directly deposited into my account. I attempted to get {$310.00} from the machine. The ATM made a long grinding noise and did not complete my transaction. No monies were dispersed to me. I left and went to work. I checked my online account for verification that my account was not debited. However, my account had been debited for the {$310.00}. I immediately contacted M & T bank to inform them of the situation as well as the branch where the ATM is located. M & T bank issued me a provisional credit of {$310.00} pending their investigation. I received a letter from M & T bank dated XXXX/XXXX/16 informing me that they determined that the transaction in question was processed correctly and no error had occurred and they were denying my claim. They then erroneously reversed the provisional credit of {$310.00} on XXXX/XXXX/16. I immediately contacted M & T regarding this matter and they informed me that I could submit a letter requesting that they re-open the investigation, which I drafted and faxed to them on XXXX/XXXX/16. As I informed them in my letter they should pull the film and look at it and they will see that no monies was dispersed to me when I was at the ATM on XXXX/XXXX/16. M & T bank wrongly debited my account for {$310.00} and I want my money to be correctly returned to my bank account. My payroll check is directly deposited into my account every other Thursday and a deposit was made on XXXX/XXXX/16 so there was no issue with the funds being available. Given my stellar banking relationship with M & T bank which spans approximately 20 years I strongly disapprove of their handling of this matter. This makes me very uneasy as a consumer that a banking institution can incorrectly take monies from my account. No monies were dispersed to me from the ATM on XXXX/XXXX/16 and M & T bank wrongly took monies from my account. I want and need my money back.
|
| 02/02/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
XXXX Unauthorized Transaction.
I contacted the company on or about XX/XX/XXXX which was a Thursday to make a complaint of an unknown authorized transaction claim # XXXX Account ending in XXXX when i spoke to the rep on the phone they stated it looks like you authorized the transaction and M & t most likely will not refund you your money This was on a Thursday I received a letter in the mail dated XX/XX/XXXX which was a Sunday stating that they completed a Thorough investigation which i highly doubt based off of the time frame of the complaint and the date of the letter. I received this Letter on XXXX This was a XXXX TRANSACTION through XXXX and my Bank soon as i was made aware and seen the transaction on my transaction history I did not hesitate to call the Bank. According to The Electronic Transfer Act i Have 60 Days prior to the discovery of any unauthorized transactions to make the bank aware according to this act the consumer is liable for XXXX of the unauthorized transaction I need to be refunded for this transaction. Soon as I got the letter I reached out to my bank, and they gave me no answers they said XXXX would reach out to me and I contacted XXXX and they told me to reach out to my financial institutions again i got no answers. I Have attached the letter response from M & T. Also M & T was involved in a data breach back in XXXX and they stated none of my information was leaked however this unauthorized transaction may be due to this issue I have also attached as well. I plan on making a complaint with the comptroller of Currency and the Attorney General 's Office as well as the FTC. I am asking to be refunded for this unauthorized transaction I know the bank has filed a claim and they will be paid regardless so I need to be refunded for this unauthorized transaction.
M & T should also not be providing 3rd party information to non affiliates without my written consent involving XXXX which is a direct violation of The Privacy Act of 1974 also holds fines up to XXXX for providing such information that i never consented to giving.
|
| 01/17/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
My mortgage account was transferred from XXXX XXXX XXXX to M & T Bank a few years ago. In 2015, I was experiencing some income challenges and fell behind in my payments. From XX/XX/2015 through XX/XX/2015, with XXXX grace, I was able to pay off the agreement with them. This was to clear ALL debt due and I was to start fresh for the new year, per their Mortgage Assistance Department. This never happened. My XX/XX/XXXX bill included additional " past charges '' that there Customer Service Department insisted were still due.
To make matters worse, I changed mortgage insurance from XXXX to XXXX in XX/XX/2015. I contacted all parties ; bank and both insurance companies however, the mortgage still reflected the higher XXXX premium for XX/XX/XXXX. I paid that month, hoping that the corrections would be made the next month. They were not. I called and was told that whichever department that processes insurance changes had not done so. In the meantime, I was to pay the excess charges, since the bill was sent already, and I would be reimbursed. I told the young lady, to whom I was speaking to, that that made no sense to send money that I do n't have or owe. She stated that there was nothing she could do. I sent the payment with the new premium amount for XX/XX/XXXX. Later that month, I received a check from M & T Bank for the XX/XX/XXXX overage that I had paid. The next month, my bill still carried the old premium and again, I did not pay that portion in XX/XX/XXXX. Since that time, the bank has been carrying that old premium as something I owe, which I do not. I have not spoken with the bank as each time I had in the past, the person receiving the call speaks to me as though I am at fault and gave no credence to anything that I have tried to explain.
I discovered yesterday, in checking my credit report, that they have been reporting to them, 30-day late payments ever since XX/XX/XXXX despite my monthly on-time payments! This has reflected negatively on my credit rating and has caused me to be declined for a car loan, which I now desperately need!
|
| 10/25/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Last XX/XX/2021 I became very sick with XXXX followed by each son. In the mean time I was changing Home owners insurance and had received a refund check that I was attempting to send in to be applied to my account. During this time I had written down the address where to send that check and accidentally sent my mortgage payment there also where it sat and sat. I called multiple times and the person that I spoke with told me that it was finally sent to the correct department and that it would be notated on my account and would not be marked late and also stated it wouldnt be sent updated on my credit report because you dont report there. I had also requested Cares act help to get all of the confusion situated and was told no because i was in XXXX XXXXXXXX which was 100 % incorrect and a flat out lie. I am seeing they just have zero compassion, enjoy watching the struggle, enjoy being very rude to their customers. It's actually pretty sad. They enjoy that power trip. Every time i spoke with them they stated they were putting notes in the system and it wouldn't be marked late.
I am currently trying to get a line of credit to pay of my XXXX XXXX now that I am in a better place so I can move on with things and help my oldest with college tuitions but I need a 12 month on time payment history and my statements are showing late payments even though the CSR I spoke to today did say that there were vague notes in the system its not his fault it was sent to the wrong address. I also at one point had called in my payment and it was never processed although it also showed in the notes when I had originally called to make payment he never finished the transaction and foolishly I didnt ask for a confirmation number.
You would think i was asking for them to take XXXX of dollars off of my loan. I am asking for some errors in late payments be fixed so this will not affect me negatively while I am working to get myself back on track.
It is a shame what big cooperation 's have become with with their rude minions on the other end of the phone.
|
| 07/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/2019, I paid approx. half pay to mortgage of XXXX because my wife had messed with our living budgets so I paid them then XX/XX/2019 I called M and T bank for amount of owe the half to my mortgage for XX/XX/2019. I asked XXXX at his customer service about I want to pay full to mortgage on XX/XX/2019 thereon and plus {$130.00} till pay off the owe then back to normal mortgage payment. XXXX refused to my request and wanted me to pay full of XXXX because of M & T bank rule. I told him that I didn't have full payment but only I can afford {$130.00} for about approx. 4-5 months would be full paid with XXXX full amount payment this would be back to normal mortgage payment. XXXX and me were dispute. He asked me do we plan to sell our house. I said no, we don't sell my house as stay here for years. XXXX lied to me because he said he will check his bank weather or not approve my half payment may put in the end of maturity payment. So he wanted me to pay full about {$650.00} to paid on XXXX then I must pay full on XXXX. I told him I didn't have full pay because we are low income but I can do is {$130.00} payment with full payment. But XXXX lied to me because the next 3 or 5 day almost everybody at M & T bank called to my wife almost everyday about ask her for our house for sell she told them No! Almost everyday! for about 3 months that was no stop! Nobody took her NO! Our house is not for sale period! We did told M & T Bank we want to talk their supervisor they refused! Still they harassment us continually. I had been anxiety caused by my type XXXX XXXX because of their harassment! My wife has XXXX XXXX pain because of her pressure with this problem. We have proof our health conditions. about two or so the other bank which is XXXX XXXX manager XXXX XXXX XXXX We did answer it but it was not able to my mobile and, they hung up on my wife. We did not understand with their problem. We got another victims as some ads post cards sent us about sell our house. We still refuse to sell our house! We still not have any solves with these problems!
|
| 12/09/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I fell behind in my FHA mortgage due to unemployment and could not afford to make payments since XXXX XXXX. My servicer, M & T Bank, refused to accept partial/late payments so the missed payments continued to accrue.
On XXXX XXXX, XXXX they sent me a letter saying I qualified for their special unemployment forbearance program. The requirements were as followed : - Sign the agreement - Pay {$25.00} due XXXX/XXXX/XXXX -Pay the total arrears, {$11000.00} to bring my account current on XXXX/XXXX/XXXX I signed the agreement and paid the {$25.00} forbearance payment in late XXXX XXXX, well before the XX/XX/XXXX deadline.
I sent a certified check with a tracking number on XXXX/XXXX/XXXX for the rest of the money, {$11000.00}. My tracking number reports they received the check on XXXX/XXXX/XXXX. I called the bank on XX/XX/XXXX to let them know that the check was coming. At this time they told me that my home was already sent back to the foreclosure attorneys, it has a sale date of XXXX XXXX, XXXX and I would owe a new amount of {$11000.00} due by XXXX/XXXX/XXXX.
I complained that my home should not have been sent to foreclosure before the XX/XX/XXXX date because I was still doing the forbearance plan and I followed through on the agreement to pay the {$11000.00} on time. They said they had the right to send my house back to foreclosure because I was late on my mortgage payments since I first fell behind in XXXX XXXX. I called them back today to inquire again and they said they rejected my check and sent it back to me on XXXX XXXX, XXXX. I am still waiting for the check in the mail, but I wanted to be caught up because I could resume monthly payments in XXXX XXXX if only they 'd honored their word and accepted the {$11000.00}.
What is the point of any program if they can change the amount I owe right before it 's due and put my house into foreclosure even while I 'm participating in the program? This feels so unfair because I did what I agreed to do and worked very hard to catch up. It feels like they want to force me to lose my home.
|
| 02/20/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Dear CPFB I am complaining about M & T Bank where I have a joint with my daughter.
Within the last year, I went to the XXXX Branch of M & T Bank and met with Assistant Manager XXXX XXXX. I asked to be removed from the account. As I watched, he worked on his PC, and told me I was off the account. I asked if I had to sign anything, he said no and I left thinking I was no longer an account holder.
Imagine my shock when on XX/XX/XXXX, I received an email for insufficient funds notice. Turns out this was my first notice but the the last one before the bank blocked the account and began their collection process.
So I had no knowledge but looked into it further and a small matter, less than {$100.00} for a purchase, the first membership fee, and an overdraft let to almost {$300.00} owed. My daughter chose to NOT have her card overdraw her account for everyday purchases. I further learned that the gym is a recurring transaction and not impacted by this choice.
The account is negative almost {$300.00}. Is it reasonable for 6 fees of {$38.00} for two items overdrawing the account {$62.00}?
It seems convenient that my wishes to be removed did not happen, and M & T only bothered to contact me when the account was a mess.
She paid M & T bank last year a total of {$610.00} in fees I have since learned researching this matter. She stopped using the account, and a charge for XXXX XXXX XXXX XXXX XXXX overdrew before she could close the account.
Im contacting the CPFB to make sure you are aware of M & T Bank and the fees it charges account holders. How a customer can pay over {$600.00} last year, and this year two items can cause another {$230.00} in fees. And only when a sufficiently large balance is racked up, do they contact everyone on the account?
When I contacted the bank, I was told that I remain an account holder and responsible, the account needed to be closed to remove my liability, and that I need to pay in full. Im willing to pay a reasonable amount on behalf of my daughter.
Please help me in this matter, thank you.
|
| 07/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX our mortgage was transferred by XXXX XXXX XXXX M & T Bank/XXXX. Since that date, I have made every payment on my mortgage. I have not received a statement from either entity acknowledging my payments or telling me how the money was allocated. I did get an incorrect statement from M & T in XXXX, with a corrected statement regarding what I had paid in interest and property taxes that actually indicated what my mortgage balance was. I applied for mortgage modification last XXXX and made the indicated trial payments on time. When I got the information for modification, there was NO reduction of the 6.375 % interest rate, simply the offer of a new 40 year mortgage. This was not at all satisfactory and our bankruptcy attorney said to not return the document. ( we filed for Chapter XXXX bankruptcy XX/XX/XXXX ) I have received several calls from XXXX re. the modification and told each person it would not be signed or returned XXXX weeks ago I had a letter from XXXX telling me that the modification had been denied since it had not been returned on time. This letter also said we had been " conditionally approved for the following liquidation options : Sell the Property, Short sale or Deed in Lieu of Foreclosure. It also indicated that if I did not complete a list of documents within 37 days, foreclosure proceedings would be taken. I am NOT behind in my payments nor have I missed any. I do NOT know where I stand with my mortgage and I now feel very threatenedby what these XXXX entities have done and not done. This has seriously affected my health because my XXXX had to increase my XXXX XXXX meds. I have formally send requests to both entities to send me complete accounting of my account - they have ignored the request. I need help. I do have documentation of times of phone calls and can make copies of all paperwork that I have received. Thank you for your help What I want is a reduction of my interest rate and I want a full accounting of every bit of money I have paid them and a stopping of letters that threaten foreclosure.
|
| 06/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I acquired a vehicle loan in XX/XX/XXXX through XXXX car sales with M & T bank. Even though my interest was sort of high I wanted to have a chance to establish a better credit history than I had at the current time. My loan was for $ XXXXXXXX7.29 % interest. I started making my payments on time the XXXX few months. My payments were due on the XXXX of the month around XXXX I was making payments later than the due date but I called every time to talk to a representative and asked what my payment was and if I owed any late fees. I was told that my payment is {$530.00} which is my monthly payment and that I had no late fees because of the grace period. I got a bill XX/XX/XXXX stating that I owe {$320.00} in late fees. I called them and was told that since I did n't ask about the how much late fees when I called to make the payment they do n't have to tell me. I was also told that I needed to read the bill and not depend on the customer service for information pertain to my bill even though I asked every time to ensure that I was squared away. I was also told that if I did n't catch that I owed {$320.00} then it would have kept rolling over until the end of the loan then I would have owed a crazy amount to them in late fees. My point is when I asked I was told different and if I was reading my bill and not understanding then I cant depend on them because its not their responsibility to help me understand or inform me after I asked them the question. After I talked to XXXX person I called back to get the number so that I can make a formal complaint and I feel like the person on the phone was very disrespectful and was not concerned with the issue that I was having. Not once did any of the representatives ask if how we could fix the problem or what could they do to help. All they did was point the finger at me and I am definitely pointing my finger at them because I believe as a customer trying to keep up my end of the deal I am being wronged and taken advantage of. This is the only service that I know that handles business this way.
|
| 06/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
M & T BANK DID NOT CONDUCT A THOROUGH INVESTIGATION AFTER I NOTIFIED THE BANK OF UNAUTHORIZED DEBIT CARD TRANSACTIONS FROM CHECKING ACCOUNT.
M & T Bank violated the Code of Federal Regulations 12 CFR 1005.11.
1. M & T Bank did not conduct a thorough investigation of M & T case # : XXXX is violating Federal Regulations 12 CFR 1005.11 ( c ) ( 1 ) a. M & T Bank staff never contacted me during the investigation. It is impossible to conduct a thorough investigation without the input of the claimant.
b. The bank staff never requested additional information during the investigation. The request for additional information took place after M & T Bank denied the claim.
c. A thorough investigation would have yielded answers to concerns such as the pattern of the debit cards use, such as timing, location, and dollar amounts of transactions ; location of the transactions relative to the residence ; location when the error occurred.
2. No written explanation as mandated in 12 CFR 1005.11 ( d ) ( 1 ) a. The Code of Federal Regulations states, The institution 's report of the results of its investigation shall include a written explanation of the institution 's findings.
i. See documentation labeled : Evidence # 1 Letter from M & T Bank denying the claim.
ii. See documentation labeled : Evidence # 2 Report prepared by XXXX XXXX, M & T Bank Customer Advocacy.
3. M & T Bank provided No documentary evidence as requested per 12 CFR 1005.11 ( d ) ( 1 ) a. M & T Bank denied my right to review the documents that the institution relied on in making its determination. Upon request, the institution shall promptly provide copies of the documents.
i. XX/XX/2023, I Requested the documents that the institution relied on in making its determination from M & T Bank Specialist, XXXX XXXX per 12 CFR 1005.11 ( d ) ( 1 ).
ii. XXXX XXXX indicated there were no documents in the file because there was no investigation.
Attachments : Evidence # XXXX Letter from M & T Bank denying claim # XXXX Evidence # 2 Report : XXXX XXXX, M & T Bank Customer Advocacy
|
| 04/27/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
Disaster Forbearance. XX/XX/XXXX, hurricane Ian. We lost : power, roof singles, fence, storage units. Our online business stopped making money. we lost a lot of money due to trying to get our home back in order. The insurance did not cover everything, our deductible was XXXX XXXX.
We had a mortgage with XXXX at very low interest rate. they allowed us to get a disaster forbearance for 3 month XX/XX/XXXX payment, XX/XX/XXXX payment, XX/XX/XXXX payment, they said they would add the missed payments on the end of the mortgage. We called XXXX XX/XX/XXXX, and asked for an additional month. they stated they could do another XXXX months forbearance. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
On XX/XX/XXXX we called XXXX to get this taken care of. we needed to pay our XXXX payment.
We were informed they sold our mortgage effective XX/XX/XXXX to our new mortgage company M & T Bank. We called M & T bank but were told we can't make our mortgage payment for 30 days due to the sale and they needed to input data. so needless to say, they would not accept our money stating they did not know how much we owed them. So there was no way they would do what XXXX stated putting the forbearance payments to the rear of the current loan. They said that a VA loan did not allow this action.
M & T sent a letter XX/XX/XXXX stating our account is 188 days delinquent and we owed {$13000.00} to make our mortgage account current! we called M & T and they stated our loan was in underwriting meaning they would not honor our original mortgage with the low interest rate. They said the new loan would be at current rates.
They said i need to get the loan current for at least 5 months, over {$8000.00} asking if we could pay that today. My wife is on social security, and I am on XXXX.
This is a classic bait and switch. I don't know for sure, but the original mortgage company may have done something illegal, and the fix was selling the loan. I don't feel as though we have been treated fairly. I'm not sure why we were told something that obviously would never happen.
|
| 11/02/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XXXX 2014, we filed for Ch. XXXX bankruptcy. Our home loan is included in the payment plan. M & T Bank is the mortgage servicer on the loan. My payments to the trustee are automatically deducted from every paycheck ( see " Payment Since Start of Case '' pdf, attached ). We were relocated by my job to CA and rented a home for 2 years.
Recently, we moved out because the landlord is selling the home. We have been denied apartments because of the BK, and in this area, no one will rent a home to us because of the BK. Our only option for a home is to buy another FHA-financed home, which is justifiable for FHA due to the relocation. We are near the end of our home buying approval process and our new mortgage broker ( for the home we are trying to purchase now ) was notified that M & T Bank has been inaccurately reporting our mortgage payments to HUD, which is preventing the loan from reaching final approval with HUD.
We called our assigned M & T Bank representative, XXXX XXXX, who admitted a discrepancy with the account. XXXX XXXX says that M & T Bank internally views my account as " in default '' even though I am in a Ch. XXXX payment plan. He could not explain the discrepancy between their alleged claim of default and my up-to-date payment ledger ( continue reading for the name of the attachment ). After I told XXXX XXXX that M & T Bank is violating my rights as a consumer by failing to report accurate information to HUD, which is a governmental agency, management and XXXX XXXX told me that they are referring my case to their attorneys who will communicate with my bankruptcy attorneys. Attached, you will also find a document named " XXXX That document shows that I am not in default, as M & T alleges, and has a letter in which XXXX XXXX admits that my account is current.
Attached, please find HUD 's response, requesting that we ask M & T Bank to correct its erroneous reporting ( " FHA answer re XXXX ). M & T Bank refuses to rectify the issue and/or send it through the appropriate channels to resolve the situation.
|
| 11/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
2 fraudulent checks were withdrawn from my account with M & T for {$1000.00} in early XXXX I believe the date was XX/XX/11. 8 checks tried to be withdrawn but since I only had available funds for 2, only 2 checks went through. Each was made out to a different name and I did not recognize any of them. Checks were deposited in XXXX XXXX XXXX accounts Check were manufactured with check numbers out of sequence. All information on the check was typed. Check had my signature on it and resembled a check I had written a few days prior. I filed a police and sign the affidavit with the bank. No one got back to for months. I called several times and they had no updates for me. In XXXX the bank closed the account and then sent to me collections for overdraft fees from the checks. I was told those fees would be waived once this issue was resolved. I went into the branch end of XXXX/early XXXX and spoke with the branch manager. She said everything was filed correctly and that they should have opened another account for me to attach the case too. She also said that I should have been given provisional credit, which I was never given. She called the department handling the case and started emailing them. She said she would call me with updates and gave me her card. She called me the next day and said they were working on and it since my account was closed they wouldn't need to open another they would have the money added to the branch and give me the funds from there. I emailed the branch manager and called her direct line several times over a 2 week period. I finally had to call the branch directly to get a hold over her. She told me that they declined my case, she couldn't give me a reason and said that she opened another case. I asked for the number of the people handling my case in fraud and the investigator, she could not give me either she gave me the 1 800 number for the fraud department and said if I called them they would just put an alert on the case. This has been 7 months of terrible customer service and communication.
|
| 05/09/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
WE SEND ( XXXX ) ACCEPTANCE FOR VALUE AS A REMEDY FOR SET-OFF OR DISCHARGE OR PAYMENT AS ANINSTRUMENT TO PAY THE MORTGAGE. EXEMPT FROM LEVY AND CHARGE THE SAME TO OUR NAMES. XXXX ORDER / DATE/USING OUR EXEMPTION IDENTIFICATION NUMBER. I IT WAS MAILED VIA CERTIFIED MAIL WITH RETURN RECEIPTS. IT WAS DONE USING OUR CHARGING SHEET. WE HAVE RECEIVED THE RETURN RECEIPT SINGED. XX/XX/XXXX WE MAILED. THE BANK/OR MORTGAGE CO. RESPONDED WITH THEIR LETTER AND WE RESPONDED TOO ALONG WITH OUR LETTERS THE WE RETURNED THEIR LETTER USING THE WORDS ACROSS IN DIAGONAL WAY : XX/XX/XXXX HOUSE JOINT RESOLUTION XXXX NEXT LINE IS BANKRUPTCY COURT OBSTRUCTION PROCEDURES, BELOW IS ; OF ADMINISTRATION DEPARTMENT AGENCY OFFICIALS..ALONG WITH OUR PETITION CERTIFIED/REGISTERED FILED STAMP AT ATTY. GENERAL AND IN THE BUREAU OF CONVEYANCE ALONG WITH OUR AFFIDAVITS. THE BANK DID NOT REBUT THE AFFIDAVIT BUT CONTINUE TO SEND LETTERS WITH THEIR OWN OPINIONS..WE ARE FILING XXXXLIENS ON OUR PROPERTY ALONG WITH OUR PETITIONS..TO THIS DATE THEY REFER OUR LOANS TO HOMEOWNER 'S ASSISTANCE CENTER TO THEM WE ARE IN DEFAULT PAYMENT. THAT MEANS THE BANK DID NOT BALANCE THEIR BOOKS THE DEPOSIT ( XXXX ) THAT WAS OFFERED AS A GIFT TO SET-OFF MORTGAGE BALANCE.THE TEL.NO. IS XXXX -- XXXX THE LAST LETTER WE RECEIVED. SO WE WANT CFPB TO INVESTIGATE THIS MATTER .AND WE WANT TO DISPUTE ANY NEGATIVE REPORTS FOUND ON OUR CREDIT REPORTS BUREAU 'S : XXXX XXXX ; XXXX XXXX EQUIFAX XXXX OUR FICO SCORE WILL BE AFFECTED TOO.IF ANYTHING FOUND AND REPORTED. ( I AM STILL REQUESTING MY CREDIT REPORT AT THE BUREAU ). WE HAVE THE RIGHTS TO BE PROTECTED AS CONSUMER, WE HAD FOLLOW THE LAW XXXX- XXXX LIENS THAT A REMEDY IS AVAILABLE BY LAW. ALSO, IF ANY WHO VIOLATES THE LAW WILL BE PUNISHED UNDER TITLE XXXX SECTION XXXX IS A COPYRIGHT INFRINGEMENT FOR USING OUR NAMES TO PROMOTE BUSINESS WITHOUT OUR CONSENT/PERMISSION.UNDER ARTICLE XXXX XXXX XXXX XXXX A HUMAN RIGHTS VIOLATION/ XXXX XXXX AND WILL FACE LIFE IMPRISONMENT OR DEATH SENTENCE IF FOUND GUILTY. HOPE CAN FIND HELP HERE. THANK YOU.
|
| 05/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I am a senior citizen that did a loan modification during XX/XX/2019 with M & T Bank. I believe I was a victim of an unfair, deceptive act and practice of M & T banks loan servicing department.
I was told by M & T that I would not receive billing statements right away, but that I should continue to make payments on my mortgage loan, and at some point they would provide me with mortgage billing statements containing the amount due and due date.
Unfortunately M & T FAILED TO PROVIDE ME WITH BILLING STATEMENTS for the XXXX, XXXX, nor XXXX billing periods so my ONLY OPTION TO MAKE MY MORTGAGE PAYMENT was to call their customer service number and make a payment by phone. They waived the {$17.00} pay by phone fee for the XXXX and XXXX payments.
However, when I hadnt received my XXXX billing statement by XX/XX/2019 I contacted their service department asking where my billing statement was for the payment due XX/XX/2019. Their customer service representative snidely told me I have plenty of time to mail my payment to them. How can I mail them a payment if they havent provided me with the XXXX billing statement?
I called them back the following Monday XX/XX/XXXX and asked when I should expect my billing statement for the XX/XX/XXXX payment? They told me at first that my billing statement should have been sent and then informed me that they had not sent it per their records for some reason. XX/XX/XXXX comes which is 2 days before my payment would be late so I call them to tell them that I have not received my billing statement for the payment due XX/XX/XXXX. They tell me that I can make a phone payment, but that it will cost me {$17.00}. I asked them to waive it and they refused so I I had no choice but to make the payment by phone and pay the {$17.00}.
I am requesting that they remedy the situation for me and that you look into their servicing practices for other seniors as there may be a pattern of deceptive and/or unethical practices.
Please contact me if you have questions or if anything was unclear. Thank you!
|
| 11/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I went on vacation to XXXX in XX/XX/ with some of my friends. While we were there, looking for attractions to do in the area, I booked a tour of an XXXX farm, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$310.00} and scheduled it for XX/XX/XXXX. However when we arrived at the destination for the XXXX, it was an empty parking lot and not an actual farm. On top of that, I got no email or text message of anything about the tour or the location of the farm, and when I tried contacting the owner, which i attempted multiple times, he didn't respond or ever contact me further. I immediately contacted my bank, M & T about the scam charge and canceled my card. They said that they were gon na investigate the charge and issued me a credit. However, a few months later, on XX/XX/XXXX, the credit was taken back and they told me that they found nothing wrong with the transaction. After that, I scheduled an appointment in person with my bank and tried to dispute the investigation. A day later, the person I talked to called and said that they were unable to reopen the case. Afterwards, I tried multiple times to contact the owner of the XXXX farm, and after multiple days and phone calls I was finally able to. However, he said that he hadn't gotten the money back from the bank yet and that maybe it would come in at a later date. So I kept calling, and checking, left multiple voice mails and eventually he stopped responding and hasn't contacted me since. On XX/XX/XXXX, I went to my bank again and tried to get their help again and they said there was nothing they could do about it. However, they suggested filing a police report, so i put in a police report with the XXXX XXXX Police department. While filing the police report, I noticed that on the website for XXXX XXXX XXXX was different than the one originally listed that I had followed and that's listed for them on XXXX. However, I am incredibly dissatisfied with the lack of help from my bank for getting charged for a service I never received and never got contacted about.
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| 07/25/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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I am a XXXX year old woman who is nearing retirement. Now I have to extend my employment and work longer because I was a victim of a scam. Sadly as I spoke to attorney, I was so angry as I learned more. I have never made transactions beyond a couple XXXX dollars. And in less than 24 hours I transferred large sums from my Home equity to my checking account. Then I used my Debit card to make XXXX in large purchases ( XXXX and XXXX amounts ) at XXXX. Again I have never made transactions of this size. Not once did my bank think this was suspicious. if they are protecting me, they would have seen this is very much not normal activity and if they understood the market place and the fraud in the industry, they would have had a clear reason to call me and question the transaction. I would have told them I was working with you on a catching fraudsters. but you would have explained you were not and I would have been protected from a scam. but not one call. in fact I called you and no one even thought to question the massive amounts of money moving from my account. now I am here, extending my employment another year to replenish XXXX dollars as I have a bank that never even had time to call me. my attorney said this is basic fraud prevention for highly unusual activity to be flagged and my bank to call me. it gets worse. I called to report my on line banking was compromised as part of this scam. they have my user ID and pass word. I was told by the fraud team they could only help me with my debit card. so someone could transfer money through OLB or ACH money out and they cant turn off my OLB or change my user ID or even tell me how to do it. in fact the agent told me he wasn't sure they have on line banking? I guess I might be lucky that M & T built on line access for just me and didn't tell anyone. so it makes sense if they don't even know they have OLB and cant help me, how would they ever be able to notice unusual transactions that are so egregious. I am a victim of elder abuse. and a victim of a neglectful bank.
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| 07/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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M & T bank transaction fraud : I sold my house on XX/XX/2018. Closing was finalized and my attorney paid the payoff amount to M & T bank. 6 days later on XX/XX/2018, M & T bank withdrew another {$700.00} from my account for mortgage payment.
I first called my attorney to make sure everything had been settled and they assured me it had and forwarded me the documentation. Then I called M & T bank to ask what was going on. A summary of the conversation is as follows Me : " I closed my mortgage on the XXXX and today ( XX/XX/XXXX ) I had another mortgage withdrawal from my account '' M & T representative : " I see you did close your account but you had auto-pay setup with us so it withdrew the money automatically. It is your responsibility to cancel your auto-pay or another payment like this will happen '' Me : " Don't you have any simple regulation logic in your system to check if a mortgage is closed and paid in full, to not take more money from a person 's account? '' M & T representative : " No '' Me : " Is there any way of you reversing this transaction '' M & T representative : " No we can't do that on our end. Sorry. But don't worry once accounting finalizes everything. If we took too much money we will just give you a check '' Me : " That doesn't seem right that you can just take more money than you are supposed to '' M & T representative : " I understand, but you were supposed to cancel your auto-pay and you didn't and this is why this happened. You will get a check with the amount if we took too much money '' Me : " Again, it seems weird you don't have some regulation in your system setup to prevent this '' M & T representative : " I'm sorry, is there anything else I can help you with? '' Me : " No '' It seems illegal for a bank to essentially take more money than they are allowed to from my account without my permission and claim it was my fault. Then tell me it is ok they will just send me a check at some unknown time in the future. It seems M & T bank is not being accountable for their actions.
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| 06/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Older American |
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In XX/XX/2023, I received a wire transfer of {$21000.00} from M & T Bank into my NFCU account. After XXXX to XXXX days, M & T reversed the wire and removed my personal funds from my account and caused my account to be closed for receiving " unauthorized '' funds. This has caused me great harm. The clearly signed bank wire slip was prepared and authorized by the M & T employee at the XXXX XXXX, name XXXX XXXX, who I called and spoke with, and the sender, XXXX XXXX XXXX. ( XXXX attached. ) M & T prepared the wire and validated it by sending it out through their clearing system. The transfer must have been valid at that point and completed. The reversal of the wire made the funds proceeds of crime in the manner that it was recalled which caused me great harm. M & T enabled their client, the sender, to cash out of her commitment, leaving me on the line for {$21000.00} and causing my newly opened account to be shut down and my personal funds taken. Other funds were thereafter blocked causing me further hardship and inability to pay my bills. I will be requesting from the XXXX XXXX XXXXXXXX an answer as to how an " unauthorized '' wire can be sent over their clearing network. I am unable to access my bank statements as my online access to my account has been blocked to penalize me. I am the XXXX XXXX XXXX victim of M & T and their client, XXXX XXXX XXXX. When I spoke with my bank, they advised me to contact M & T and the sender. I wrote to XXXX XXXX XXXX, Chairman and CEO and XXXX XXXX XXXX, XXXX and XXXX XXXX M & T. Their less than satisfactory reply was that " due to privacy concerns '' they were " unable to provide [ me ] with a response ''. They then suggested " contacting XXXX XXXX directly to further address this matter ''. ( Copy attached. ) I have tried to contact XXXX XXXX and have verified receipts that my emails to her were received and opened. ( Copies attached. ) However, she has failed to respond. She and M & T are refusing to provide information that I am entitled to as they used my account.
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| 08/01/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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This has been ongoing since my mortgage company was switched from XXXX XXXX XXXX to M & T Bank. M & T Bank has started to harass us none stop. They also increase our mortgage for various reasons and when asked why we can never receive a direct answer. They also call our phones at least 2 and 3 times a day. The first problem started when our company was switched about 5 or 6 years ago. They immediately increased our mortgage from XXXX to XXXX and when we asked about it they stated it was a short in escrow. The threaten to foreclose our home if we didn't pay a little over 7k. After we became current for a while our mortgage maintained at XXXX, but around XX/XX/2016 after the birth of my daughter we went through a loan modification and had to pay at least 3 payments on time to receive the modification. Once in the clear we were able to go back to paying XXXX. About 6 months ago we received another letter stating our escrow was short and we would have to XXXX instead of our XXXX a month. When we ask for documentation or clarification we get told they will send it in the mail, but on numerous occasions we have not received anything. We became current by paying online and they are now stating they are not receiving the online payments. Now we have 2 different confirmations and once we tell them the confirmation numbers they state they can't pull the confirmation numbers up. It has lead to us having 2 to 4 mortgages coming out of our account and having to pay overdraft fees to our banks in regards to it. We have also asked if we could separate our escrow and they state they couldn't do it. Just recently they listed us as foreclosed because they told my wife that I was deceased, and that she will have to be removed from the house if she couldn't afford the mortgage. As of now we have paid 2 mortgages back to back and every time we get current they state we are behind again. We are confused and are asking for justice to be served. They should not be able to harass and discriminate against their customers.
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| 01/21/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened an account with M & T bank on XX/XX/XXXX online and walked into the bank to make a cash deposit of XXXX the same business day. At no point was I provided written or electronic notice that a hold was being placed on my account, or that I needed to provide verification until I came into the bank on XX/XX/XXXX to withdraw funds from the account and was told I could not and was not given an actual hold release date. I provided M & T with a copy of my government issued ID, my social security number, and a utility bill with my name and address and the branch manager copied and kept a physical copy of my personal information after it was submitted to the bank for verification. I called and spoke to several representatives and was given a different story with every representative. They explained that my mailing address was different from my home address, even though I used my home address to open the account. The instructed me to change my address online ( something that can not be done, you are only allowed to change your address in a branch ), and to resubmit the same information that I submitted only hours earlier. I went back to the branch and they could not give me a clear date for availability of funds, just that the verification process takes a couple hours to 24hrs to complete ( depending on who you talk to ). He still had copies of my social security card and ID hours after it had been submitted for verification and had not destroyed my personal information. They in fact made two copies of my ID and SS card and handed one copy to me as if they were providing me with the copy they made. I wasnt aware that there was a second copy until I went back to the bank to change my address and the branch manager said that he had my information on a fax machine and could send it over again as a courtesy. It has been 4 days and I still have not received correspondence from M & T about the original hold, nor any update to my account. I called within 24 hours and the hold was still on my account.
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| 06/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/23, I had a meeting with XXXX XXXX XXXX, the Branch Manager at M & T Bank, located at : XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ). The meeting concerned a withdraw of XXXX from my checking account shared between myself and my mother. During the meeting, XXXX XXXX, a bank teller revealed that my mother made the withdraw and because my mother did not know the bank account number, she ( XXXX XXXX XXXX " wrote in the bank account number on the withdraw form. '' I then closed that particular account and opened a new account.
On XX/XX/23, I met with XXXX XXXX XXXX at M & T in order to notify M & T that I wished to file a complaint about the policy of M & T tellers writing in an account number for my mother who would not otherwise have been able to withdraw the XXXX. In addition, I notified XXXX XXXX that I wish to file a complaint about the fact that there was not a vetting system in place as it pertains to the large amount my mother was able to withdraw. XXXX XXXX told me that she would file the complaint as well as have the Branch Manager reach out to me by phone. As I was leaving the bank my mother was entering. Mom stated that she only had XXXX dollars left, but she wanted to place the money back into my account. Since I had a new account, I entered the bank with mom and deposited the XXXX into my newly opened account. I then informed mom that I intended to proceed with the complaint as it relates to the additional XXXX dollars because I did not want what happened to me to happened to anyone else. At that point, the teller XXXX XXXX came from behind the counter shouting " I did nothing wrong ; the bank policy allows me to write in the account number. '' I told XXXX XXXX that if that were true then she had nothing to worry about. Frustrated, I left the bank.
Branch Manager XXXX, called me on XX/XX/23, and notified me that within the next 30 days M & T would be closing my account. I informed XXXX XXXX that his actions appeared to be in retaliation for my choosing to file a complaint.
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| 09/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Step 1 : What is this complaint about? A derogatory mark ( late payment ) was placed on my credit report. I was not responsible for the payment per court order after my recent divorce. This late payment ha
s harmed me and is a deformation of my credit character. It needs to be immediately remove d. My credit score dropped 83 points after this derogatory mark was placed on my report. It has impacted my financial future by causing me to be denied a loan on an investment property. Step 2 : What type of problem are you having? The derogatory late payment mark needs to be removed from my credit report. It has impacted my score significantly and I am not and was never responsible for the payment on the house that was awarded to ex-wife after court order. ( See divorce decree ) Step 3 : What happened? I was recently divorced. The court order in the divorce decree
awarded my ex-wife the house and stated that my ex-wife and ONLY she would be responsible for the payments and any fees incurred concerning the awarded house. The court order also stated that all payments must remain current by ex-wife as they had been previously when I paid the mortgage for the previous two and a half years.
Step 4 : What company is this complaint about? M & T Bank Step 5 : Who are the people involved? The employee or supervisor in charge of submitting the late payment in which I was not and is not responsible for. I have called M & T Bank several times and sent in a letter, and the late payment is still listed on my credit report. It is the only payment that shows late on my report in which by court order I was not and I am not responsible for the late payment. This late payment needs to be removed from all three credit bureaus immediately. I would not like to be denied another loan in the future for something I was not responsible for per the court order. Had I been ordered by the court the responsibility of the payment I would have made them on time as agreed as I have done with all of my financial obligations.
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| 08/07/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
Servicemember |
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I deposited {$300.00} cash into a vacation club savings account at M & T Bank branch in XXXX NJ. The deposit never went into my account. A copy of the receipt from the teller was emailed to their customer service rep and I have had conversations with the branch manager, XXXX. They have been in contact with their back office and to date my account has not been credited. On XX/XX/2018 XXXX stated sometimes this can take a week or more even if it was a cash deposit that did not post to the account. He said they can only contact the department that makes corrections by email and their is no senior management person he can call to inquire as to why this is taking so long.
I want to close the account now as I am so frustrated with all the errors M & T has been making on other accounts as well that we have been having. Those issues have been finally resolved and this remains open.
While I know this issue will get resolved eventually, it is mind boggling that cash ( and this could just as easily have been {$3000.00} in cash I would not have access to ) deposits go missing and the customer has to wait for days for a simple correction to the account that is clearly the bank 's error. What is the point of getting the receipt for a cash deposit. It is further distressing that if I had not checked on line that the balance was wrong, M & T Bank did not flag an error from a deposit made on XX/XX/2018. Had I had balanced our accounts as I do monthly, my husband and I, who are both over XXXX years old and have health issues would never have seen this money again. I have spent hours on the phone with M & T Bank, including their corporate offices in XXXX. What do people do who do not have the resolve to do this. How many other cash deposits may M & T posted into a black hole never to deposit correctly. This is the bank that had money laundering issues and could not complete the purchase of XXXX XXXX XXXX Bank in NJ ( who was a great bank ) for over three years because of the money laundering issues.
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| 08/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
Older American |
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M & T Bank acquired control of XXXX XXXXXXXX XXXX on XX/XX/XXXX, I continue to bank with M & T Bank. I had a saving account with M & T Bank for over 16 years. I had a secured credit card with M & T Bank and I completed all payments on-time and paid off the card.
On XX/XX/XXXX I applied a secured loan with M & T Bank during the process M & T Bank used deception, fraud, and manipulation to obtain a credit report and then they denied me the loan on XX/XX/XXXX. ( Three days after completing the application ). M & T personal saving account, ending with XXXX with a balance of {$2500.00} as collateral for the loan. I pledged my saving accounts to secure the loan for {$2500.00}. I had the account for 6 months and I only received XXXX ( XXXXXXXX XXXX interest monthly on my {$2500.00} saving account ) On XX/XX/XXXX I applied a secured loan with M & T Bank. M & T Bank representative asked me, What was I using the loan for? I explained them I was using the loan to pay off a bill at XXXX XXXX XXXX XXXX, or otherwise tuition.
On XX/XX/XXXX and XXXX XXXX, M & T Bank started questioning me about the loan. How many years you completed at XXXX XXXX? I told them I have XXXX XXXX and I working on my XXXX certificate at the University. Then M & T Bank said, we do not provide loans on tuition. They suggested I use XXXX XXXX. Then they denied me the loan. WHY ARE THEY QUESTIONING ME ON A SECURE LOAN?
The on XX/XX/XXXX, M & T Bank representative suggested I request a debt consolidation Loan instead. She said, I had better chance of getting the loan. Therefore requiring me to complete another loan application. I was denied the loan. She said, there is something wrong on your credit report.
My credit score is XXXX and I paid an M T Bank credit card on time. I continue to pay my auto loan, credit cards and other bills regularly. I have worked at the same job for XXXX years ; in addition, I have a second job. I co-own my house with my cousin and I have lived in since XXXX. The mortgage is paid regularly.
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| 02/06/2020 |
Yes |
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Web |
Servicemember |
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Hello-I listed my home for sale in XXXX and accepted an offer and sold it in XX/XX/XXXX. I had a deposit on a home in XXXX to be closer to my elderly parents. Eighteen hrs before the closing on both homes my mortgage lender called to tell me they just found a second lien on my property for $ XXXX. I was unaware if this lien and was not able to purchase the home in XXXX. I had purchased the home in XXXX in XX/XX/XXXX and in XX/XX/XXXX was laid off from my job. Knowing it would be tough to make the mtg pmts I contacted my mtg co. XXXX XXXX XXXX XXXX. They told me that they would do a modification to help me. They would let me skip 1 yr of pmts and after that year they would raise my interest a point, lower my payment and bring me back from 29yrs to 30yrs. I was okay with that. They never told me that they would let HUD put an addt'l lien for $ XXXX on my property. This lien never showed up on my credit report until 18 hrs before the closing. I did sell the home in XXXX but had to pay the addt'l lien to HUD. I was not able to purchase the home in XXXX and am living with a friend for now. I want my $ XXXX back from HUD. XXXX XXXX XXXX XXXX used unfair lending practices and when I contacted FHA the woman I spoke to told me that this was happening to a lot of people. Even if you include interest, PMI and my monthly mtg pmt for that 1 year if would only be around $ 12K. How did HUD get to put a lien on for $ XXXX? I am a XXXX yr old woman who has worked since I was XXXXyrs old, raised my son alone and put him through college. I am now still living paycheck to paycheck and do not know where I will be living in another month or two because of this scam HUD is using on homeowners. Please help me get my $ XXXX back. I have contacted Senators : XXXX XXXX, XXXX XXXX and XXXX XXXX. I have contacted the Attorney Generals Office and the Federal Reserve Commission. So far no one has attempted to get back to me on this matter. I have documents to back this up-will send upon request.
XXXX XXXX
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| 08/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/23, I made a payment in the amount of {$250.00} to XXXX XXXX. I checked my M & T checking account ending in XXXX and I noticed a possible duplicate payment to XXXX. I contacted XXXX first to confirm if they had received two payments on the amount of {$250.00} each. The company confirmed that the had only received one {$250.00} payment. I called M & T Custoner Service # XXXX on XX/XX/23 to open a complain # XXXX. They indicated that I would get a letter mailed to me within a week, and that they would investigate the issue. No letter was sent so I called back on XXXX and had to explain again the fact that M & T had taken out of my checking account and additional amount of {$250.00}. I also told them I had not received any letter as I was told, and this new representative told me that they had not even started the investigation. I also opened Dispute # XXXX, and mentioned that I had also noticed that my Overdraft Line of Credit ending in XXXX had made a transfer in the amount of {$230.00}. On XX/XX/23, I went to the XXXX XXXX branch and spoke to the Manager who was very proffesional and apologized i had experienced that issue. She stated that she had the ability to return the {$250.00}, which was completed on XX/XX/23. She explain that she was unable to refund the money in the Overdraft Line of Credit. On XX/XX/23 I paid a total of {$230.00} which included {$1.00} in interest to cover for the Overdraft caused by the additional money that was deducted from my account. If the extra withdrawal would have not been taken out, my account would have not overdrawn. It is XX/XX/23 and I have received no letter. I call the branch again to see what they can do and they told me the complain or dispute was closed out. I am assuming because M & T thinks that by refunding the {$250.00} I would be satisfied. If M & T would have contacted me as they said they would, they would have known thay they still need to refund me for the {$230.00} payment I did against my overdraft line of credit.
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| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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To whom it may concern : After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
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| 06/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The issue centers around the process and technical issues with providing the requested mortgage insurance information and the lack of response and system failures ( human and technical ) surrounding the document submission process.
XX/XX/XXXX - after numerous submissions of the requested proof-of-insurance documents for the structure ( HOA-managed ), the system responded that the documentation was not accepted. I called and asked about what was going on. The agent gave me an email address to send the document as an attachment, which I did. She also said she would be escalating the issue. The automated system again sent an email ( a couple of days later ) that the documentation was not accepted.
XX/XX/XXXX - Called back to inquire about the situation ( the total call was 2.5 hours ), the agent, after checking with someone, said it was a file limit issue. The site has no built-in file-limit scripting nor even a statement as to file limits. She advised me to only submit the first 10 pages ( which seems very arbitrary ). The file/document is one I've sent previously ( annually ) without issue.
Further, I was asked to research out and find various phone numbers that might be individuals with the insurance company who holds the Homeowner 's Association policy for the structure. The customer service was horrible and I was doing the majority of the " heavy lifting '' and legwork. The agent in the mortgage department who I ended the call and with whom I filed a second complaint about the service provided by M & T bank was flippant and laughed at the situation. My home and it's security ( financial ) is not a laughing matter. I was made to feel ( by agent 's repeated mentioning ) that the call was taking too long - yes, admittedly it was a long call, but it was necessary to try and get resolution after my call a week previous resulted in nothing ( and I received no personal ( human ) follow up after being told it was escalated- thus prompting me reaching out again a week later )
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| 05/05/2015 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I recently had a very troubling experience with Mand T Bank. There 's a long history with XXXX accounts in my children 's name that was started about XXXX to XXXX years ago when they were in XXXX school. They 're young adults now. I had XXXX accounts with M and T, but the trouble is only with my XXXX minor children 's acounts.
These accounts were originally XXXX seperate CD 's, started with XXXX XXXX. The starting principle was {$1000.00} in each account. These were idle accounts where money was simply " parked ''. About seven or eight years later, XXXX XXXX was taken over by M and T Bank. The XXXX accounts had grown to about {$1200.00} because of the accrued interest. At some point, M and T Bank started charging and auto-debiting {$10.00} per month from my XXXX children 's accounts, that were now M and T " savings accounts ''. I was never made aware of the charges, had no idea this was going on. No one from M and T called to alert me to the monthly drain on these XXXX idle accounts. Just a yearly " sign to keep active '' notice.
My wife and I have or are responsible for roughly XXXX-XXXX small accounts in savings/checking/education/401k 's, and IRA 's with various banks. They include my wife 's ageing and ailing parents accounts, who are/were at poverty level income ( XXXX now deceased ) and maitaining their meager property, and caregiving as well. We have much to deal with on a daily basis. Although we received sporadic account statements from M and T Bank, the charges and declining balances on these XXXX accounts were not noticed.
I only became aware when I saw my XXXX year old son 's name listed in the local news paper that had a listing of unclaimed property held by the State just last week, XXXX 2015. M and T Bank closed that account which I believe is now about {$820.00}.
I was stunned that this could happen to anyone, let alone a minor. I am still waiting to here from M and T Bank on this matter.
I appreciate any help or guidance you can give Thank You,
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| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my credit report was pulled, it showed an arrear of inconsistencies. While auditing my credit repair, I came across a few errors. M & T Bank is not reporting the same account number to all 3 credit bureaus XXXX M & T Bank is not reporting the same Account type to all 3 credit bureaus, M & T Banks is not reporting the No. Of Months ( terms ) the same to all 3 credit bureaus, those are just a couple of inconsistencies. I reached out to M & T Bank to find out why they're not reporting to the credit reporting agency the same across the board, now Im challenging their Accuracy and Integrity. With these errors, my credit score has dropped and it has cost me a lower apr and lower approval account. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer.
12 CFR ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
|
| 02/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
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***This is my 2nd complaint against M & T bank for deceptive mortgage practices On XXXX XXXX, XXXX I filed for Chapter XXXX bankruptcy and surrendered my house located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX as part of the bankruptcy. The mortgage was held by XXXX Bank. My mortgage with XXXX XXXX XXXX in the amount of {$150000.00}, Account # XXXX, was discharge in Chapter XXXX bankruptcy on XXXX XXXX, XXXX. The amount was reduce to zero and I am no longer financially responsible for the mortgage. On XXXX XXXX, XXXX, after the mortgage was discharged and I was no longer financially response for the mortgage, XXXX Bank transferred the mortgage to M & T Bank. After that date I started receiving calls from M & T Bank / XXXX XXXX XXXX that I need to make payments on the mortgage to them. I filed a complaint with Consumer Financial Protection regarding M & T Bank / XXXX XXXX XXXX. M & T responded that I was correct, the loan had been discharged in bankruptcy, and I was no longer response for the loan. On XXXX XXXX, XXXX I received a XXXX from M & T bank showing cancellation of debt in the amount of {$150000.00}, and a XXXX.However, since the debt was discharge in bankruptcy on XXXX XXXX, XXXX, no actual debt was transferred to M & T and I should not have received a XXXX. M & T need to correct their mistake. I have attached the following : copy of the XXXX & XXXX, response from M & T on XXXX XXXX, XXXX regarding my previous complaint, Florida assignment of mortgage document showing mortgage was transferred from XXXX to M & T after bankruptcy discharge, Schedule D from my bankruptcy documents showing the XXXX mortgage was included in the bankruptcy, page from the bankruptcy showing that the property a XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX was surrendered in bankruptcy, my bankruptcy discharge document dated XXXX XXXX, XXXX, letter from the bankruptcy showing that I completed all payments on my bankruptcy plan & the bankruptcy trustee 's report of receipts and disbursments.
|
| 06/21/2023 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
I was supposed to be on a forbearance for disaster and I am in a disaster area in XXXX XXXX XXXX, and have been approved for help from Fema but my bank somehow says Im not in a disaster zone per my ZIP Code even though I am and receiving assistance, so they never put the forbearance on my account And tomorrow, My Home Cell at Auction at XXXX XXXX I believe and I dont have any money to pay an attorney today and I know I need to file an emergency bankruptcy to stop it but I dont have enough debt for a XXXX XXXX and I cant do a XXXX XXXX because I cant make the house payment because Im now XXXX from being a victim of XXXX XXXX Type of Property : Residential Total Amount of Payments That Are Past Due : {$10000.00} - {$24000.00} Total Amount of the Loan : {$200000.00} - {$290000.00} Have You Received a Notice of Default From the Lender : Yes Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX house address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and is set to be auctioned in 2 days on XX/XX/XXXX at XXXX XXXX but for the last two months Ive been in contact with my lender, M & T Bank and because it is in a presidential declared disaster zone its supposed to be on a forbearance and Fema shows that online and Fema has already extended money to help with the repairs. In addition to that I am a now a single permanently XXXX women & homeowner who is also a victim & survivor of XXXX XXXX, which is the source of my XXXX, yet the sale is still set for Auction and M & T Bank has never given me a single point contact or helped me in any which way or returned my calls anything and obviously they are not adhering to the disaster forbearance guidelines, as well as my homeowner Rights. my loan is an FHA loan and prior to the forbearance. I was trying to do a loss mitigation but they wouldnt allow it because of the forbearance and I need immediate assistance to make sure I dont need to emergency file bankruptcy tomorrow, can you please call me ASAP XXXX thank you
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| 02/05/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On Saturday XX/XX/19, I needed to access the funds in my savings account in order to put an offer in on a house. I have recently relocated and am in another state that M & T is not located in. I decided to transfer funds from my savings account into my checking account that I have with another bank that is more accessible. I tried to do so online as the website suggests. However I was unable to do so, the website told me to call customer service which was unavailable on the weekends. On Tuesday morning XX/XX/19, I called customer service and they told me there should be no issue. I was able to get further in the process, however when it came time to actually transfer the money, I got the same error message. The representative that was on the phone with me told me that the company flagged it as fraud because of the amount ( {$1400.00} ), but it should be cleared in a couple days and I can make the transfer then. I let the representative know that due to the nature of the situation, I do not have a couple days. They are my funds and I need access to them at this time. I was transferred a couple more times, ultimately speaking with a supervisor who offered to increase the limit ( to {$2900.00} ) that I am able to withdraw from and ATM so I could access my funds that way. When I asked about the fees from using another bank 's ATM, I was told that they can only waive fees assessed by M & T ( This wasn't offered to me, I had to ask for it ). I then let them know that I was not asking to waive fees, I was asking to be reimbursed for fees I have to pay due to M & T blocking my online transaction. The supervisor said there is nothing they could do about that and transferred me to a manager. The manager also told me that there was nothing she could do because it was not due to an M & T error, the fraud alert was supposed to happen. The transaction I made that caused the fraud alert, was made with the instruction from a representative in the online banking department.
|
| 12/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
Servicemember |
|
you XXXX XXXX closed my complaint without even using the correct information, let alone ALLOWING COMMUNICATION!!! I RECEIVED THE NOTICE I HAD A RESPONSE AND XXXX MINUTES LATER MY CASE IS CLOSED WITH NO RESOLUTION AND THE INCORRECT INFORMATION!! THIS IS XXXX AND I'M NOT GOING TO STAND FOR IT!!!
THATS NOT EVEN THE CORRECT NOTICE!! TRY PAYING ATTENTION!! NOPE WE WILL RESPOND WITH EVEN MORE LIES AND MORE LIES JUST LIKE OUR ENTIRE COMPANY HAS BEEN PROVIDING FOR XXXX WHOLE MONTHS NOW!! HOW ABOUT PUTTING ME ON HOLD FOR ANOTHER HOUR AND A HALF, LIKE THR LAST XXXX TIMES I TRIED GETTING THIS RESOLVED!!! AND BESIDES THE FACT, CHECK YOUR CUSTOMER SERVICE AND YOUR PHONE CALLS SINCE I CALLED XXXX XXXX DIFFERENT TIMES AND WAS TOLD REPEATEDLY BY THE PEOPLE ON THE PHONE AND BY THE TELLERS AT THE BANK THAT I HAD, IN FACT, MET ALL OF MY REQUIREMENTS, I CALLED MULTIPLE TIMES IN XXXX And XXXX TO MAKE SURE!! SO M & T CONTINUES TO LIE AND MAKE UP XXXX TO TRY TO COVER THEIR LIES, AND NOW XXXX XXXX XXXX IS GOING TO COVER THEIR XXXX FOR THEM AND LIE TOO AND CLOSE A COMPLAINT BEFORE IT'S EVEN BEEN PROCESSED! SURPRISE SURPRISE, MORE LIES!!! I CLOSED MY ACCOUNT BECAUSE ALL OF YOUR PEOPLE LIED TO ME AND ASSURED ME I'D BE RECEIVING MY MONEY AND THEN DENIED ME A WEEK LATER!! HOW CONVENIENT You CLOSE THE ISSUE WITHOUT ME BEING ABLE TO RESPOND!!
THEY DIDNT DO ANYTHING THEY DIDNT EVEN ANSWER THE CORRECT QUESTION OR USE THE CORRECT INFORMATION TO PROVIDE THEIR RESPONSE!! I HAD TO CLOSE MY ACCOUNT THERE BECAUSE THEIR EMPLOYEES ARE SO XXXX THEY CANT EVEN READ A XXXX FLYER THAT THEIR OWN COMPANY SENT OUT, LET ALONE PROPERLY ANSWER THE QUESTIONS OF THEIR MEMBERS!! THEIR OWN EMPLOYEES ASSURED ME ON over a XXXX OCCASIONS THAT I HAD MET EACH AND EVERY REQUIREMENT AND THAT I ONLY HAD TO OPEN THE ONLINE ACCOUNT AND USE THE APP. CHECK YOUR CUSTOMER SERVICE RECORDS AND CHECK YOUR XXXX CAMERAS MAYBE BEFORE SENDING ME SOME XXXX XXXX EMAIL THAT HAS ABSOLUTELY NOTHING TO DO WITH ME OR MY CASE!!!!
|
| 11/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I responded to a {$300.00} bonus promotion to open a checking account with M & T Bank.
cash bonus offer for the MyChoice Premium Checking account found the following is stated for this promotion. Please note this information may be found on the promotional flyer as well : We will credit one {$300.00} bonus to the account ( " Premium Bonus '' ) for new accounts opened between XX/XX/2018 and XX/XX/2018 if the account receives at least {$10000.00} in total deposits and credits by XX/XX/2018 and if the average daily balance maintained in the account is at least {$10000.00} during your monthly service charge cycles ending in XX/XX/2018 and XX/XX/2018. The account must be in good standing at the time the Premium Bonus is to be credited. The Premium Bonus will be credited by XX/XX/2018. The Premium Bonus is reportable for tax purposes, is not available in all regions and is not available to employees of M & T Bank or any of its affiliates. This offer is nontransferable. A {$50.00} early close-out fee applies if the account is closed within 180 days of the date the account was opened. Primary signer on the new checking account may not be or have been a primary or secondary signer on any M & T personal checking account within the previous six months. Only one Premium Bonus will be awarded per customer. The Premium Bonus is not available to customers who have already received a bonus in connection with a personal M & T checking account within the preceding twelve-month period.
I opened the account on or about XX/XX/2018 and transferred {$10000.00} to the account thereafter. My account service charge ending cycle of each month is XXXX or XXXX.
After maintained the balance of {$10.00}, XXXX through the XXXX cycle, M & T bank has refused to credit {$300.00} to my account. Several of its representatives stated the cycle ends " XX/XX/2018, but it is not what the term states when I opened the account.
I sent a request to M & T Bank ' CEO, but no response either.
|
| 11/07/2022 |
Yes |
|
|
|
Web |
Servicemember |
|
I called M & T Bank and as usually the same prompts were provided.
The representative was unknowledgeable, Concerning my identity theft and other prior documentation concerning my account.
I was asked questions that made me suspicious of situation. I hurried off the call with M & T bank and noticed my cellphone number I use to identify M & T Bank with and us to call from my contact list was different and it disappeared. I took a snap shot of what I could to justify my accusations. I immediately called the FTC and, while speaking with the representative my cellphone started to upload. I told the representative I had to hurry and hang up.
I then turned off my cellphone.
My M & T Bank is cloned with an imposter pretending to be my mortgage company.
My cellphone is hacked and my-accounts are to. This is a familiar incident I am experiencing with XXXX currently. I provided XXXX with the impostors contact information that is being used to scam me..
I have information in my phone that states encrypted secret conversations T that I did not authorized or have knowledge of, until recently.
I request an investigation and a stop to foreclosure procedures.
It is more that obvious that I am experiencing extreme identity theft and it has already been documented and identified.
I am not receiving emails or any correspondence properly.
All of my electronic devices have been compromised.
I have a police report. The bankruptcy M & T Bank validated was months prior to my knowledge of occurring. I received NO correspondence from M & T Bank, concerning a bankruptcy, during the time of the fraudulent transactions occurred.
I am a victim, I am being treated unfairly.
I reported fraud and I have not spoken to anyone concerning the investigation of the criminal fraudulent activities that are occurring in my name under my identity that is approved by M & T Bank.
I have information that I am anticipating sharing with M & T Bank in the pursuit of Justice.
|
| 11/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been paying my homeowner 's insurance within my mortgage payment monthly since XXXX of XXXX. I have not missed a payment. My homeowner 's insurance renewed in XX/XX/XXXX. I have been paying my mortgage and insurance payment each month. XXXX XXXX came through the end of XXXX. Immediately after the storm I called my insurance company to make a claim. I was told at that time that my policy was cancelled in XXXX of XXXX for nonpayment. I immediately called M & T Bank ( XX/XX/XXXX ) and asked why the insurance had been cancelled. They stated that they sent the payment put but it had been returned. When I spoke to the insurance company, they stated that they had made several attempts to communicate with the bank with no response. When I asked the bank why they had not notified me they stated that they had sent a letter in XXXX. I explained that I never received a letter. Subsequently, after this conversation they did send me a letter dated XX/XX/XXXX that my insurance had expired. They stated at that time that hazard insurance is required on my property, they were planning to insurance for my property. They did contact me with their insurance department on the XXXX and I submitted a claim for the damage. I have received a letter from XXXX dated XX/XX/XXXX with a claim number but the policy number is marked unknown. I have since spoken to the insurance company and have been told that they can not move forward until they hear from the bank. I have called the bank several times after this conversation with the insurance company and no one knows anything about having to contact the insurance company. Furthermore, this will be a new policy and they explained that they are not sure that they will be able to cover the damage from XXXX. Now XXXX has come through and made things worse. The bank will not take any responsibility for their mistake. Further, they have been taking my insurance payment for 9 months and not paying the insurance premiums.
|
| 07/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with fraud alerts or security freezes
|
|
Web |
Servicemember |
|
I'm making this complaint about M & T Bank without contacting the bank because it feels like they are doing something that is illegal. I opened a bank and savings account with M & T Bank about 3 weeks ago. M & T Bank locked me out of my online account twice, once when I tried to initially log onto my new account, and a second time when I tried to set up a new payee in online bill pay. Both times M & T placed what they called " fraud alerts '' on my account. Because M & T 's online banking system didn't work well, I decided to open a different bank account. I will eventually close my M & T account.
Today I tried to open a new account at a different bank ( XXXX ). However, I was denied an account. The banker thinks it's most likely because of the fraud alerts M & T has put on my name. The banker said all banks would have received this derogatory " fraud alert '' information about me. Is it legal for a bank to put a " fraud alert '' on me or my credit report without my knowledge or permission? Neither time was fraud. The first time M & T put a fraud alert on me was because I didn't log into my new account fast enough. I had a temporary password, and the password expired before I logged in. That was my mistake, but does M & T have the right to issue a " fraud alert '' on my credit report? The second time they made a fraud alert was when I tried to set up a new payee for my online bill pay. I don't know why, but M & T put a fraud alert on my credit report just because I tried to add a new payee to bill pay. This seems crazy! Now I'm not able to open a new bank account anywhere because M & T put fraudulent " fraud alerts '' on my credit report. I feel like M & T is committing fraud. They're also ruining my credit when all I tried to do was log into my online banking and pay bills. Both times M & T issued a fraud alert, I called them and cleared it up and got access to my account. But now my credit is ruined. I hope you can help with this.
|
| 03/03/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
In XXXX my spouse was forced to resign from a job he has had for over XXXX yrs and we proactively reached out to XXXX for a solution to assist in catching up on the missed payment that we missed for XXXX or XXXX of that year. Over the years my husband and I have acquired at least 4 mortgages between the both of us and we had never missed a payment until this point. Prior to M & T obtaining the loan around XXXX or XXXX, we were in the process of a repayment plan with XXXX to catch up on a missed payment of the mortgage on our house. During this process we were verbally told by XXXX that our loan would remain in good standing as long as the catch-up payments that were kept current which they were. We missed 1 payment during the entire year of XXXX but it shows on our credit report as it was consistently late for more than 5 months. We contacted M & T and they assured us that everything was fine and we were in good standing. In late XXXX of XXXX, our home in XXXX XXXX suffered a tremendous loss due to extreme water damage from the pipes bursting and completely flooding all 3 levels of our home. Our home had over {$200000.00} dollars of repairs done that took several months longer than projected due to M & T withholding the funds and paying the contracting company in a timely manner which was agreed upon between the 2 companies. Needless to say the process was very stressful. We still continued to keep the mortgage payments in good standing. Since all of this has transpired, the mortgage loan was paid off early and in full in XXXX of XXXX due to the sale of the home this loan was associated with. With this repayment plan our initial payment was {$4400.00} and the following payments were in the amount of {$3300.00} for 6 months or more in order to get this the missed payment caught up and we were told that our credit report was going to show we were in good standing, but to our dismay we discovered just recently that this was not the case.
|
| 10/29/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I was informed by M & T Bank via e-mail on XX/XX/XXXX XXXX XXXX PST that my mortgage now belongs to them effective XX/XX/XXXX and I should have received a welcome packet and information. I attempted to reach them via phone after the e-mail arrived, as no welcome packet ever came. The XXXX XXXX stated that they are attempting to collect a debt, and my home is in default. No one at M & T Bank answered the phone and I wasted hours in an automated XXXX XXXX with these threatening messages.
I was not properly informed of this change ; being notified via e-mail 4 days before the transfer is not adequate. I have no account number with M & T Bank and no instructions on how to contact them, as they do not answer the phone and have not responded to e-mails.
I was able to get in contacted with XXXX XXXXXXXX XXXX via telephone today XX/XX/XXXX and requested the payoff information. I do not want my house to end up in foreclosure due to this transfer, and will find a way or obtain a loan to pay off the mortgage. I requested the XXXX XXXXXXXX XXXX staff member to figure out where this debt is coming from and why M & T Bank is stating my home is in default. She couldn't explain where M & T Bank is collecting their information. The XXXX XXXX XXXX employee stated I received an email informing me of the change on XX/XX/XXXX ; however, that e-mail was not received and no other notifications were provided by XXXX XXXXXXXX XXXX regarding my mortgage transfer.
M & T Bank needs to do better, sending an e-mail with no account information or appropriate contact number is not acceptable. Homeowners are only left with trying to find away to have their mortgage paid off to prevent their home from going into foreclosure. M & T Bank has failed to provide the adequate resources necessary to continue with the mortgage process. Most likely they are an illegal operation who erroneously collect debts that do not exist, forces defaults, and forecloses on homes.
|
| 01/22/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
As a XXXX XXXX XXXX and Veteran we were impacted by the COVID Pandemic and were offered a forbearance by M & T Bank. When we were ready to resume payments we were told that our loan would be modified and that we would need to make 3 trial payments. In the process of doing so we never received any documents and that showed our new payment amounts, what the new terms would be and when the mortgage would be modified. We received phone calls almost twice a week from the bank however no documentation was ever provided to us. We were verbally told the payments to make monthly and did so in XXXX. We began the process to refinance our home with another bank and requested the forbearance and modification documents from M & T to provide to our new bank. We were requesting a mortgage statement the month of XX/XX/2021 which has not been sent to our home and is not available to see online. We requested forbearance documents which which has not been sent to our home and is not available to see online. We requested modification documents which has not been sent to our home and is not available to see online. I was told that the documents are in their QC process and would be sent to me after that process. When asked when that process would be complete no response was provided. When asked about the fact that M & T has failed to provide me a due date, mortgage amount and/or mailing address there was no response. I inquired what happens if the payment is late because that information was not provided to me and they said they would put me into default. I asked that a statement, forbearance and modification documents be sent to me via email. I was denied. I asked that a statement, forbearance and modification documents be sent to me via the secured messaging platform of their own internal online banking platform. I was denied. I am scheduled to close on the refinancing of my new mortgage in 4 days and need this information for underwriting purposes.
|
| 12/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Please help my family stay in our home. I have tried to work out a modification agreement with Hudson City Savings Bank. The loan servicing department does not have any interest in being reasonable. Clearly now that they have been given approval for their merger they no longer care about the homeowners that they are servicing mortgages for. I am sure a bank like XXXX XXXX XXXX does not condone this type of behavior. I have proven without a shadow of doubt that I am back on my feet and able to make a mortgage payment. All I ask is that I be afforded a modification to get out from under the arrearages I have accumulated. I am not trying to run away and I know it is late but it is only now that I can afford this. We paid for on this loan for years, this is not a case of a XXXX payment default or early payment default. I am even suggesting that a mod be put in place that is completely beneficial to the bank. I am asking that you extend this term which will bring you more in interest income. I am sure once your stockholders read this they will be confused as to why you would not want to create income for the bank. We had problems, like many others, in our lives. I have shown my income versus the monthly debt obligations and I am well below the needed DTI or XXXX requirements that Hudson City has in place. Please help me do something here, I can afford the original mortgage payment again but I can not bring all the back due amount to the table right now. I am asking that you place the arrearage on the end as a balloon or even as an extended term. My family lives in this house and I have a sheriff 's sale in a few weeks. I do not have the ability to move everyone somewhere else. How can Hudson City, in good conscience put me and my family out on the street knowing that I can now afford the monthly payment. They intend to make us homeless in time for the holidays. What can we do? Please, we ask that anyone that can, help us!!
Regards,
|
| 03/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
To whom it may concern : Please find our detailed account of a Bank theft incident below to our business bank account.
On Thursday, XX/XX/XXXX at XXXXXXXX XXXX, I logged into our business MTBank account to find four web payments pending from our account : XXXX : {$9900.00} XXXXXXXX XXXX : {$9900.00} XXXX XXXX : {$9900.00} XXXX XXXX {$3000.00} None of these payments were initiated by my company. I also had approximately 140 spam emails in her inbox.
At XXXX, I called M & T Bank to report the robbery but was informed that online banking support does not open until XXXX. At XXXX, my. partner called the M & T Bank web banking service to report these as fraudulent charges and we immediately changed our passwords for email and banking and ran malware scans on our computers. We were informed by the MTBank investigators that the transactions were made on my login at XXXX the previous evening, XX/XX/XXXX.
On XX/XX/XXXX, the funds were shown as no longer pending, and had transferred out of our account, leaving us with approximately {$10000.00} in all our accounts.
In response to the M & T Banks financial crimes divisions advice, we also filed a local police report, FBI IC3 report, and XXXX report of the robbery. We have also worked with our M & T Bank banker to set up two new accounts.
M & T Banks financial crimes division informed us that recovery of the funds is independent of whether M & T Bank determines they will credit our account.
As of today, M & T Bank has still not given us a timeline of when or if the funds will be restored to our account. It is unclear to us why M & T Bank insurance policy has not kicked into action. We as a firm, are vigilant about our cyber security and are the victims of this massive theft to our small business, making it impossible for us to make payroll and threatening our ability to continue operating.
This is a summary of all the facts, coordination and reporting on this issue to-date.
|
| 05/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a XXXX XXXX checking account at M & T bank XXXX branch on XX/XX/XXXX. I'd received an advertisement from M & T a few days before that which said I could qualify for {$300.00} if I opened a XXXX XXXX account and fulfilled certain conditions. I've attached this advertisement. The condition to fulfill for earning this bonus was to set up recurring direct deposits from an employer and receive at least {$500.00} in direct deposits within 90 days of account opening. I set up direct deposits from my employer and received a direct deposit of {$1500.00} from my employer XXXX XXXX XXXX on XX/XX/XXXX. I received further direct deposit of {$2400.00} from the same employer after the 90 days, but had clearly received more than the required {$500.00} in direct deposits inside the first 90 days from account opening. The advertisement stated that the {$300.00} was to be paid out within 90 days of receiving {$500.00} in direct deposits, which should have been XX/XX/XXXX. I was never paid this money. I should mention here that there was another condition in the advertisement to be fulfilled, and that was I could not have received a bonus on an M & T personal checking account in the last twelve months counted from when I opened the account. I did receive such a bonus in XXXX on a different account, but the last bonus I received an an M & T personal checking account was on XX/XX/XXXX. XXXX while I opened this account on XX/XX/XXXX so more than twelve months had passed since the last bonus. So it's clear I was eligible for the bonus and met all conditions but was still not paid the {$300.00} on time. I also made doubly sure that the banker I opened the account with actually applied the promo code to my account. Not only did I give her the code verbally and see her put the code on the application, I actually emailed her the advertisement while she was opening the account so I may have proof that I presented the promo code while opening.
|
| 06/30/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XXXX/XXXX/15 at XXXX atm location XXXX I went to the atm to make a cash deposit as I always do. The bank was closed at this time. I selected the option to make a deposit and put the amount of {$640.00} into the slot that collects the deposits. After that the machine said there was an error and the atm was unavailable to use. It rejected only {$2.00} cash instead of giving back the amount I inserted of {$640.00}. Then a receipt printed out saying " deposit error unable to process transaction ''. I then called the bank and reported what happened and filed a claim. Following that I faxed a copy of the receipt the atm printed to the bank. I received a provisional credit for the amount of {$630.00}. Then I received a letter on XX/XX/XXXX stating they reviewed my account and they determined the transaction was processed correctly and no error had occurred and they would be deducting the {$630.00} provisional credit on XXXX/XXXX/15. I then called the bank again and was told that there was no overage in the atm so they had to deny my claim. There was no review of the surveillance tape which you would have been able to see me count the {$640.00} and deposit it into the atm. If my transaction was processed correctly and no error occurred then there would be record of my deposit and the atm would not have printed a receipt saying deposit error unable to process transaction. I feel that the bank failed to thoroughly investigate my claim. I am also going to small claims court to file a claim to take this matter to court. I have had the same checking and savings accounts for thirteen years, since I was XXXX years old and have never overdrawn my account or had any negative activity. After always having the same accounts and being comfortable with the company for so long I will now have to take my business elsewhere. Enclosed is a copy of the receipt that printed out at the atm and also the letter I received stating my claim was denied.
|
| 11/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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I had bought my home in XX/XX/XXXX, and I fell behind on mortgage payment in XX/XX/XXXX, but I was able to get a repayment plan with M & T Bank in XX/XX/XXXX after becoming unemployed in XX/XX/XXXX. Also, I had fell behind in HOA dues in XX/XX/XXXX, and I tried to get a repayment plan from them in XX/XX/XXXX, but they would n't negotiate. Actually, they returned my money order.
Recently, I have stopped making mortgage payments due to misinformation from the bank that the HOA was n't the owner that I am. I have learned otherwise through a title search that my bank deceived me from the truth of ownership.
Now, when I call the bank 's attorney, I am always asked if I have a lawyer before I can speak to the attorney. My question is, will I get a notice from bank when I can move my personal possessions out. I was told that the bank will not be the owner after the foreclosure. How not?
Because of this bank, I faxed the HOA notice to vacate to them for direction, and they ignored it. I called M & T Bank, and I was told that I am still the owner of the property. Today as I write this complaint, I am still told the same information. My personal property remains in the house, and I am not helped in accessing the home by this HOA to retrieve them. They refuse to work in good faith with me to let me view the inside as proof. I do not believe their word, because of their process of no repayment plan. I could n't afford an attorney during this process.
Both the bank and HOA took advantage of my lack of the laws and legal representation. My whole life is in this house that I 've acquired over my XXXX years. Others that I shared my story have never heard that an HOA want to do this.
I feel emotionally helpless and frustrated thinking about my personal papers, unreplaceable family pictures, and other personals that are unreplaceable. My house was stolen from me, but I am pleading for the return of my possessions. That 's all!
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| 03/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My husband got gas on XX/XX/XXXX at a local XXXX gas station. The charge was for {$29.00}. A several days later we noticed our bank account was much lower than it should be. Upon investigation our charge for gas showed up on XX/XX/XXXX, but then XXXX other charges showed up at the same gas station for : - {$85.00} on XX/XX/XXXX - {$43.00} on XX/XX/XXXX - {$85.00} on XX/XX/XXXX - {$79.00} on XX/XX/XXXX - {$85.00} on XX/XX/XXXX This totaled {$370.00}! I am assuming that someone skimmed the card. I don't understand how or why they charged it at the same gas station -- unless there was an error at the gas station.
My husband immediately called M & T Bank and reported the unauthorized charges. They gave us the money back temporarily and cancelled the bank card and issued my husband a new card. After a couple weeks, the money disappeared from our account and we got a letter saying that M & T Bank denied our claim because our PIN number was used.
We did NOT give our PIN number out our make these charges! I read that people use a camera to catch your PIN. I find it hard to believe the bank does not know this. Also, I am still concerned -- what if the gas station had a glitch?
My husband called and was told that we would be sent a form to appeal the decision. My husband also went to the bank personally and they put notes in our account. But, we never received the letter to appeal.
My husband then called the bank today, XXXX, and was told that the fraud department closed the claim and will not reopen it! I was pretty angry and called. They told me the claim was reopened on XX/XX/XXXX and they are still investigating it.
We are hearing constantly different things and are getting the run around. I have no proof they are investigating this fraud and it appears that they will not protect us. I am very upset. I called XXXX and the police and both told me that the bank is who we were supposed to call, which we did do.
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| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX M & T Bank, have all used the arbitrary consumer reporting system to discriminate against me, violate my privacy and violate my consumer right to obtain credit. I recently reviewed my consumer report and disputed violations of my consumer rights to privacy without satisfactory results. My dispute about privacy violation was met with responses about accuracy of reporting information. They never denied violation of my rights instead choosing to disregard it.
Under Title 15 U.S.C. 1681a ( i ) the consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. 15 U.S.C. 6802 states that a financial institution may not directly or through any affiliate disclose non public information to a third party ( such as the consumer reporting agencies ) without my written consent. Hard inquiries and latenesses clearly constitutes non public experiences solely between myself and a financial institution/creditor and as such must remain privatebe safeguarded and protected. Disclosure of my information requires that I ( the consumer ) be given the opportunity before that information is initially disclosed to direct that such information NOT be disclosed to a third party. Theyve denied me my right to privacy and to exercise my non disclosure option and in reporting what amounts to private ( non public ) experiences between me and a financial institution have caused me harm/damage in pursuit of credit.
I invoke my consumer right and formally request with this written letter the removal of hard inquiries and derogatory negative private information currently disclosed on my consumer report file within the allotted 30 day period. Their failure to comply with my initial written request constitutes willful noncompliance and makes them liable for damages to me15 U.S.C. 1681n.
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| 12/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I contacted my mortgage company in XXXX 2013, M & T Bank, about a making home affordable refinance because I was under water with my mortgage. They took me through a process whereby they led me to believe I would be getting a lower mortgage, meaning they would resolve the fact that I am underwater and reduce my principle. In a nut shell, they told me I was ineligible for the program because of my income and said that they could still refinance my mortgage under the program and that I would not need an appraisal or would not have to pay any closing costs. They worked with me to get all my information and refinanced my mortgage. I thought I was getting a making home affordable refinance whereby my principle would see a reduction down to the market values in my neighborhood and that my payment would in turn be lower, which is what I needed due financial hardship of my mortgage. All in all, I found out when the dust settled and all the paper work was complete that they they did what is called a streamline refinance and that it was not in fact a principle reduction through making home affordable. I was left in the same situation I was in and still am struggling to make the payments. I am now in the situation where I have to either short sale my home or do a deed in leiu of foreclosure because they didn ; t help my situation. What they did was to talk circles around me to lead me to believe that what I was getting was apart of the XXXX XXXX program and all they did was line their own pockets by keeping the same principle so that they didn ; t lose money off of the large mortgage I have. They only reduced my rate, which did not reduce my payment at all. I feel like they cheated me out of the rights to get my underwater mortgage principle reduced and now I am in the same situation with little to no recourse and I want something done to investigate what was done to me and probably hundreds of thousands of more people.
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| 12/12/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Hello, I opened an EZChoice Checking account with M & T Bank. As part of opening the account, I used the promo code QK as an offer to get a {$200.00} bonus for opening the account, with the following requirements. See here for an image of the mailer and even the fine print of the offer : https : XXXX Open a new M & T personal checking account by XXXX XXXX, XXXX with the promotional code QK and receive a sign up bonus of {$200.00} when you do the following : Set up a qualifying direct deposit of {$100.00} or more within 90 days of account opening That is the language from the offer. I confirmed multiple times on calls with customer service reps that my direct deposit from my employer was accepted, and valid. They did n't dispute that I met the direct deposit requirement.
When I waited 90 days after no bonus posting, and the account still in good standing, the supervisor of the CSR told me that I did n't open up the " correct '' account, and that I had to open up the " MyChoice '' checking account for the promo code QK and NOT the EZChoice Checking.
Look at the image and the offer! It says ANY checking account, and no where did it specify MyChoice checking. In addition, when I called the previous times to check if I had met the requirements, they said I was fine and I even mentioned the SPECIFIC promo code QK, and they never said I had opened the wrong account. She says there 's " nothing she can do '' even though I explicitly explained all of this to the person.
This was after 2 calls where specifically I asked if I had met the requirements, and if there was anything that would cause me not to get the bonus. Both CSR 's told me I was set and just to wait. Then when I finally waited the maximum time, I get this response with no proof that I did n't open up the " correct '' checking account, even though there are virtually no differences between the two. ( No material difference in fees or anything )
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| 02/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I went to a bank in XXXX NH to open checking account for direct deposit for new job I would be starting This was end of XX/XX/2022 at some point maybe mid summer notice MONIES not accumulating in account was paid by weekly suspected someone using the numbers off my card several attempts made by me to bank about why I was not receiving any bank statements first excuse was they where sending all bank statements to a previous address in a completely different State on XX/XX/XXXX Sunday approximately XXXX I spoke with their call center bout a 45 minute conversation she told me she would start to have statements sent to my XXXX XXXX which address they had the entire time again still no statements when I inquire about what happened with those statements was told by a lady in the XXXX XXXX Bank those were indeed sent but they went back to the XXXX XXXX as non deliverable. REALLY??? I went through three ATM cards cut them all up then noticed as time went on my account was finally growing and brought this to their attention. In the midst of all this I opened a safety deposit box with said bank XX/XX/XXXX Friday I went to go to bank on XXXX street to put more money in safety box now Around XXXX XXXX in cash along with a bunch of personnel letters GONE!!!! People waiting on me that day very suspicious with what they did and said What Bank let 's someone into a safety deposit box??? Personally I don't want them notifed I want to go to the next level whatever that may be not gone near bank since XX/XX/XXXX but did call them next XXXX XX/XX/XXXX and asked and she new who I was asked herwho is legally allowed inin a safety deposit box she said she have to ask my boss she came back with right answer so anyway I no exactly what I have left in box today and it still better be there and watching my checking account from a distance PLEASE HELP Do not want to go near that crooked Bank need Legal advice ASAP Thank-You D.S.D.
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| 10/22/2019 |
Yes |
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- Trouble during payment process
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Web |
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I had a Mortgage with XXXX XXXX XXXX that was sold by XXXX XXXX XXXX to have M & T BANK several years back. Once M & T Bank took over the Mortgage loan ; Hurricane Irene arrived, and wreaked a lot of damage to my home, located in XXXX Florida. After fighting for over two years with XXXX XXXX XXXX XXXX XXXX to get damages covered ( with the help of a professional adjuster and an attorney ), I finally got a settlement to replace my damaged roof ( not enough money to cover the Hurricane Irene damages, but close enough to begin roof replacement with the help from a personal loan ). The XXXX XXXX XXXX XXXX XXXX settlement check was made-out to my wife, myself, XXXX XXXX ( HELOC mortgage lean holder ), and M & T Bank the main Mortgage holder. XXXX XXXX did not hold the check, but issued the required signature for the release of the XXXX XXXX XXXX XXXX XXXX funds. The signed check was sent to M & T Bank Mortgage in XX/XX/2019.
In early XX/XX/XXXX, I was advised by several M & T Bank Mortgage personnel to submit a list of over twelve documents to M & T Bank. I ended-up filing over twenty-pages via Fax, and via M & T Bank web page " XXXX XXXX XXXX '', and through Certified mail ( Claim Tracking # XXXX ). I have had to file the twenty-pages via Fax, and via M & T Bank web page " XXXX XXXX XXXX '', over-and-over again to insure that they have received required documents.
M & T Bank still will not release the funds to replace my roof, even though my roof keeps leaking, and further damages keep surmounting.
Many dozen phone calls have been placed and documented to try to get M & T Bank to comply with the releasing of the funds to begin roof replacement work, but to no avail. Almost every instance I call M & T Bank, I am advised that the case is still being looked at. It is the only answer that I normally get.
Besides filing a lawsuit against M & T Bank, I do not know what other options I may have. Please Help.
|
| 08/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2022 I went to deposit money to my account thru the drive thru but noticed a sign that read " go to the ATM to deposit transaction with less the 3 items ''. I went into the bank and put my money into the ATM and it started to make noise. I informed the teller since there was no one in the bank to see if she could help. The teller came out and witnessed the ATM spit out a receipt with a {$0.00} balance recorded. She told me that happens and not to worry. The teller then got the bank manger out of his office and they bothwent to the back of the machine to see if they could retrieve it. The bank manger came out with a ripped {$10.00} bill. I told him there was more and I couldn't remember the amount because I'm was frustrated and upset. The amount was around {$210.00} - {$190.00}. there was 2 {$50.00} bills, a few {$20.00} bills, and a {$10.00}. I went back and forth with him about what needed to be recorded or done but he assured me that the ATM has cameras that have a view of 360 degree so not to worry. I again asked if there was a procedure that is suppose to happen because this can not be the first time this happened, he again was rude and said the ATM guy was called to come look/fix at the machine.
XXXX XXXX I called the bank and spoke to the teller that witnessed the ATM spit out the receipt and she informed me that the next customer had taken my money because the machine was never shut done or closed for malfunctioning.
the bank manger called me back about a hour later to tell me that they only found the ripped {$10.00}. I told him that it was more and what did the camera show. He did not answer and was rude and upset that I question the procedure that was not followed regarding the ATM and audit.
No one has gotten back to me as of XXXX XXXX after at least 8 calls to the XXXX and spoke to 2 customer service supervisors. No resolutions to the problem or a answer to where my money went..
|
| 09/22/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
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|
Web |
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My account number is XXXX.
This was a XXXX year rolling XXXX that I have had for some time.
I learned through a letter in the mail that my XXXX which matured on XX/XX/XXXX was rolled without notice into a new XXXX year XXXX at materially below market XXXX year XXXX rate of 0.10 %. This new rate was much lower than the prior years rates despite the XXXX XXXX bank raising short term rates 1.00 % in the last year. Competing rates at other banks are in the 1.3 % to 1.5 % range. The rate provided was also below the XXXX year XXXX offered to other people on the M & T website.
I was never informed before hand and the letter I received from M & T bank dated XX/XX/XXXX ( weeks after the roll ) and received XX/XX/XXXX ( no idea how it takes 9 days to get a letter XXXX was after the grace period to prevent the " off market '' automatic XXXX roll.
Because of the large rate discrepancy between M & T bank and other banks it was economic for me get my money and deposit it elsewhere. This could only be done though going to a branch payment of a penalty. This was not appropriate given the lack of information and lack of opportunity to withdraw with no penalty. I was effectively forced to pay the penalty given the longer term harm of waiting a full year at close to a XXXX interest rate.
When discussing this on the phone with the bank and with the branch representative, they both assert that I received a letter to my home prior to the XXXX maturity which included the terms of the automatic roll. I never received this letter. Additionally it seems that if the impact of doing nothing and letting the older 1 year XXXX automatically roll into a new 1 year XXXX at an " off market '' rate, proper initiative is needed to make sure customers are aware of what is happening.
Explained this situation to their customer service and to the branch representative but was still forced to pay the early withdrawal fee
|
| 08/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
M & T Bank allowed XXXX to charge my debit card in the amounts of XXXX on XXXX/XXXX/2015 ( XXXX late fee ) & XXXX on XX/XX/XXXX ( XXXX autopurchase ) I contacted the bank and advised these were unauthorized charges and disputed the charges. I was given a provisional credit for the charges only to have it reversed and M & T sending me a letter stating the charges were not in error. They also send me a invoice for a purchase my daughter had made on XXXX/XXXX/2015 for XXXX with her amozon account information and email address. Not my account nor did I made a purchase from amozon anytime this year. The book was purchased using my daughter account with amozon and other means as this was not a purchase with my debit card nor did I authorize the withdraws and still am disputing these charges. M & T Bank 's representatives stated many times because XXXX has my account information from a prior purchase they can withdrawn the funds from my account? How can they take money from my checking account and the bank allows this without my authorization just because they have my information. M & T sent me a invoice to show me the reason for the charges was a purchase on XXXX/XXXX/2015 using XXXX XXXX account at amozon in the amount of {$26.00} dated XXXX/XXXX/2015 and shipping slip for XXXX/XXXX/2015 and they reversed the credit for a book that my daughter must have bought with her debit card ( no charge on my account for a book on XX/XX/XXXX or XX/XX/XXXX for the initial rental. I do n't think because the company had my information they should take it out of my account because we have the same address and they assume I have a book? This is not my purchase. The bank should reverse the debit to my account from amozon and not allowed this to happen. I want my money taken from my account returned as they took it without authorization to do so just because they had my account information? That does not make it ok
|
| 09/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
The bank is : M & T XXXX, NY., I have been customer for several years. It seems that in the past couple years, I keep going over my account amount of money. This gets to be quite a lot of money at almost {$40.00} a hit. They sometimes reverse the transaction as a courtesy, they said.
Most of the time, it seems to be happening in the last week of the month.
What I want is if a company that tries to withdraw money ( using my bank debt ), be it auto withdraw or used at a XXXX, and the amount goes over what I have in the account to PREVENT it from going through.
This would save the consumer a lot of money. I do n't know what the financial or legal steps are involved please look into this and see what can be done. Additional, although, M & T ( which is a commercial bank ), has no XXXX and understanding for the " little guy '', I would like the bank withdraws that they have robbed from me for a least the last two years.
Please understand that every pennie is important. I am XXXX XXXX XXXX. My income comes from XXXX monthly. I receive just over {$700.00} per month for several years. No I have no overdraft protection as my credit is poor. Expenses have gone up but my income has not.
I have taken a the steps that I can to make sure the monthly withdrawal are done after the first week. This takes into account weekends and holidays.
They told me it ca n't be done ( block with draws that cause the account to go over. ) I say WHY NOT. Why ca n't it be changed to protect the consumer that lives from paycheck to paycheck or monthly SS. I have tried by best to ask them to prevent theses type of over changes but they refuse to work with me.
Summary, 1. Prevent withdrawals from withdrawing if it causes account to go overdrawn.
2. Return these over drawn charges for the past two years. Not just to me but to all the consumers in the same type of situation.
3. Levi a fine on behalf of the consumer.
|
| 06/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
The beginning of XX/XX/2019 my work computer was hacked with severe viruses. My bank accounts were compromised before our IT Dept could address and fix the issue. This resulted in several issues with getting fraudulently funds returned to my accounts. This issue in particular has been on-going with M & T Bank since XX/XX/XXXX. After reporting the fraudulent charges I was told that I would receive an Affidavit in the mail and to return this to the bank. The closest branch to where I live is over 1 hour away. When I finally received the letter and affidavit from M & T Bank for signature and return the letter was dated XX/XX/2019 with a return to M & T Bank date of not later than XX/XX/2019 - I DID NOT RECEIVE THIS LETTER UNTIL XX/XX/XXXX ( why did they wait so long to mail this paperwork to me??? I phone the bank daily advising i still hadn't received and they assured me it was mailed ) which I immediately reviewed and noticed that out of 6 disputed transactions, they bank ONLY sent me affidavit 's for 5 of the 6 transactions. I signed the 5 affidavits and returned them by fax to M & T 's Fraud department fax number on XX/XX/XXXX and then again on XX/XX/XXXX - all of which included a letter from my employer 's IT Support company explaining the computer hack/virus problem. When I phone M & T Bank AGAIN on XX/XX/XXXX I was informed that they did not receive any of my documents that were faxed on XX/XX/XXXX or XX/XX/XXXX. I again faxed the documents for a third time that day XXXX XX/XX/XXXX ). As of today, XX/XX/XXXX I have not received any positive feedback or refund from the fraudulent transactions by M & T Bank.
Fraudulent transaction list as follows : XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XXXX value of fraudulent charges : {$100.00}
|
| 09/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
|
On XX/XX/2018, my sister had a XXXX XXXX her from talking or moving. A power of attorney was granted to me, XXXX XXXX XXXX, XXXX XXXX in XX/XX/XXXX of that year. The power was notified before my sister had completed the XXXX ( XXXX XXXX ). She was judged to be competent by her physicians. I forwarded this with a request by M & T bank to change the address so that I could pay the account. They refused to honor the power of attorney and would not discuss the reason. My sister was undergoing XXXX treatment and I was personally trying to straighten up her bills. As a result, M & T bank was paid {$3300.00} on XX/XX/2018. M & T bank would not send me a bill or statement. On XX/XX/2018, my sister died and I forwarded M & T Bank a copy of the death certificate and my appointment as Administrator of the Estate. The only bill I could find from M & T bank continued to show a balance and it was repaid again. M & T bank has refused to discuss any dertails of my sister 's account with me despite forwarded their requested information. After 3 phone calls and another forwarding of documents, I finally was asked to personally deliver a copy of the death certificate and my appointment as Administrator. I took pictures of the event. Now two weeks later, M & T bank which has closed the account because I notified them of my sister 's death have collected the debt twice, they still refuse to give me any information, they claim that they hold any excess payments for two months even on closed accounts, and they hold an excess {$2700.00} paying no interest and refuse to add a forwarding address which I have requested. Any excess payments they say will go to the address of the old record, which they will forward to a branch for pick-up should it be returned. The account was in the name of XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, Pa XXXX last four of thye account XXXX. I don't have the complete account number.
|
| 11/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I was talked into a commercial savings account and a personal checking account when I had large cash on deposit with M & T Bank. I was informed that I would make more interest earnings this way and that was the best suited for my needs. It turns out that the combination of accounts was best for the bank manager 's bottom line. The " fine print '' was truly fine print that I could not read with reading glasses, but learned over months that the bank did not care about me as a customer. When the cash dwindled, bank treatment of me as an individual also disappeared. Now I do not access to the " secured '' correspondence on their website to prove the agreement I had with a regional vice president that would have solved this entire complaint back in XXXX 2015. This high ranking bank officer would not answer my follow up correspondence, by being absent on the solution, the wrongful fees were turned over to an in-house collection employee in addition to listing me with a banking industry credit " bad list ''. I 've been banking with M & T for close to 50 years and NEVER got such bad treatment or this kind of threatening action that other financial institutions ( if not credit bureaus ) will deny me checking & savings accounts, when they see my name. I want M & T Bank to come back to the agreement reached by the Regional Vice President and me back in XXXX, remove the bank fees that are outlandish by nature of the types of accounts forced into, and the Bank being prohibited from listing me with that all credit bad lists. When evidence is shown that their employees misled me on the advice I sought for following the account rules, I should not have any charges fee against me on the multiple accounts. I would also request that some of bank employees be coached or reprimanded on their mis-information and their non-action on my requests to cancel ACH 's that seem to only benefit the receiving vendors.
|
| 12/08/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We refinanced our home in XXXX.
We had sufficient homeowner 's insurance at that time ; however, the lender wanted us to have different homeowner 's insurance because the premiums were less. This was the only way for us to refinance.
I contacted our insurance agent and asked them to cancel our policy with the carrier. When I called XXXX weeks later, I found out that the policy had not been cancelled, but the premium had been paid. I told the insurance agent that it needed to be cancelled. I never received any renewal notices and never heard anything additional from my insurance agent, insurance carrier, or my mortgage company.
Fast forward to XX/XX/XXXX, I started receiving notices from my mortgage company that I was behind on my payments. I made a call and finally found out that the mortgage company had paid both premiums- the insurance that I originally had and the insurance that was force placed upon me during the refinance. The mortgage company is demanding that I pay them back the premium for the policy that I originally had and tried to cancel - {$6100.00}.
Since XXXX in the State of Alabama, a dwelling can not have two different homeowner 's insurance policies in place. I've tried to explain this to my mortgage company and they are insisting that I pay for XXXX and XXXX - the years that they paid the premiums. They never contacted me about paying two homeowner 's insurance policies, never cancelled the one that was force placed upon me, and never made any contact about this issue.
I've made every payment of my mortgage for XXXX, never been late and yet, because I haven't been paying the full amount to pay them back for the insurance premiums, they have stacked late fees and penalties against me ... my credit is completely ruined.
I shouldn't have to pay back premiums for which I tried to cancel and my mortgage company willingly and knowingly paid which was illegal.
|
| 09/06/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Hello, I opened my account with M & T Bank on XXXX XXXX. I have a mortgage with this company as well. I went to a trip to XXXX XXXX recently and use the app " XXXX '' I did not know that I had linked my M & T Bank to the app, and I used the service. I thought I was paying from my XXXX XXXX account. They online banking website had been down for a while so I could not check my balance for M & T bank. When I checked on XX/XX/XXXX, my account had a overdraft balance of {$370.00}. I am being charge XXXX ( so far no sure if they will assets more fees ) overdraft fees at {$38.00} each for transactions as small as {$3.00} the largest {$8.00}. As of today ( XX/XX/XXXX ), I have not received a notice of overdraft. When I opened the account online, I was not ask if I wanted to " opt-in '' to overdraft services. I called M & T Bank to ask for an explanation and for refund of the over {$300.00} dollars in fees I am being charged on fees alone in the meter of 3 days for transactions the added up to {$60.00} dollars. The customer service rep said that there is nothing they can do and that I have to pay the fees. This is a violation of the " H.R. 1261 Overdraft Protection Act of 2013 '' approved by the 113th congress. Specially, SEC 4 " 140B.secition ( i ) OVERDRAFT COVERAGE LIMITS - I should not be charged more than one overdraft fee a month and no more than 6. Also, " the amount of any overdraft coverage fee that a depository institution may assess for paying a transaction shall be reasonable and proportional to the amount of the overdraft '' M & T bank is essentially trying to steal my money by charging me all of this unfair fees and in violation of the " Overdraft Protection Act of 2013 '' Please any help you can provide will be appreciated. I am not willing to pay the abusing and excessive fees that M & T bank is trying to make me pay.
Thank you and please let me know if you have any questions
|
| 04/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
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|
Web |
Older American |
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On XX/XX/2023 a message popped up on my screen to call a number XXXX ) to protect myself from suspicious fraud/identity theft They identified themselves as from XXXX as did the pop up. I called the number and they said to secure my accounts I had to do a money transfer and told me I would get the money back in 20 minutes after the transaction to verify the account was locked down. In order to transfer the money they asked me to share my screen to direct me how to set up the transfer through XXXX which I never used then or had an account or app with XXXX. There was a total of 3 transfers.They could see the balance and I only figured out they were trying to take all the money by the 3rd transfer. XXXX XXXX XXXX {$280.00} confirmation # XXXX, XXXX XXXX {$290.00} confirm # XXXX XXXX XXXX {$290.00} confirmation # XXXX ; all sent to me through XXXX confirmation emails. I went to my bank M & T who later denied the claim because I keyed in the transfer even though they admitted they knew 100 % that I was scammed. I filed a police report and have also never heard anything from them either. I was told by the bank that they would escalate my case and it was also later denied for the same reason. Everyone acts like theres nothing they can do but they also knew the money was transferred into a XXXX XXXX XXXX account that is known to be scamming as is the XXXX telephone number. I believe the recipe I clicked into was on the all recipes website. The scammers are still operating with the same number because my daughter called the number and said she received a pop up just like I did but told them she wasnt home. They then called her 37 times within 2 hours to try to get her to give her info or pick up the phone. She then blocked them. The bank told me to file a police report the day after the transfers and I have not heard anything from them either.Police report XXXX XXXX XXXX XXXX, case no. XXXX
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| 08/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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My Wife and I have been People 's United customers for over 16 years and have had a very solid and friendly relationship with them throughout that time. We mortgaged our new home through them and have maintained both savings and checking accounts through them with very strong balances. We also, recently opened a business checking account with them after they continuously promised to provide excellent servicing of the new account.
I then received a letter, in XXXX, from M & T bank stating that they were taking over and no longer wanted to service any of our accounts and that the accounts would be automatically closed by XX/XX/XXXX if we didn't come into the branch and close them ourselves.
We therefore, visited the branch on 3 separate occasions to try to clear up this matter and obtain an explanation. We were told, all 3 times, that we would be contacted by XXXX XXXX, the bank manager, within 24 hours. We never heard from her or anyone else from People 's United again.
We left for a XXXX vacation at the end of XXXX and arrived home on XX/XX/XXXX, only to find that all of our accounts had been closed with no explanation, still. I called the home office and they 'again ' stated that XXXX XXXX would contact us when she returned back in the office after XX/XX/XXXX. We again, never heard from People 's or M & T.
In the meantime, we had direct deposits from my employer that had nowhere to go, as well as bills that were supposed to be automatically paid that fell delinquent.and damaged our exceptional credit rating. And we still have no explanation as to why this happened in the first place.
My Wife and I have never felt so humiliated and have never witnessed such a cover-up of information as to why we were cancelled by the People 's family to begin with. If they had just been honest with us from the start, we could have made adjustments before our trip to avoid this fiasco.
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| 01/13/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I have an FHA loan with M & T Bank that my husband and I used to purchase our home in XXXX. We paid as agreed for 5 years until my husband suddenly passed away in XXXX. He was the sole breadwinner in our home, and I am in dire straits as M & T Bank is moving to foreclose on me. My daughter lives in the home with me along with XXXX granddaughters and she does contribute towards the bills, but not enough that I am able to keep up with the mortgage payment. I have applied for XXXX and survivor benefits and have a hearing coming up soon, but will not receive any benefits until AFTER the hearing. I have tried to explain this to M & T but they have been very heartless. Their agents have called me wondering where the payment is, and threatening me with foreclosure and eviction. I then applied for help through the government FHA programs but M & T has not willing to work with me or consider me for any options.
I have been told that M & T should be offering some type of " grievance forbearance '' due to the death in the family, where no payments are due for a few months in order to get my family affairs in order. However, M & T has not offered this option. I also know there are other types of programs including modification, partial claim and special forbearance, or even " suspended payments '' that could assist me during this difficult time. Once again, M & T Bank has not been willing to give me any help or any consideration for assistance. I assure you, once I have the XXXX hearing and benefits are awarded I will be able to resume making payments. I ca n't believe that M & T is moving so aggressively to foreclose on me instead of giving me a grace period or some consideration for my situation. I ca n't believe that this is allowed. I am sure this situation has happened before, I know they need to get paid on their loan but would expect some consideration and a fair negotiation.
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| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear FTC and CFPB, XXXX XXXX XXXX XXXX XXXX XXXX Illegally harassed and hazed XXXX tenant applicants on Housing Urban Development Statistics.
They have been issued a official complaint number by the Health and Human Services Administration which is illegal for appeal to the Department of Defense.
They attitudes and disfunctional viewing processes stole information from my bank with M & T, they used lures like saying they tried talking to M & T and they never answered when we never signed an agreement into detail that they are allowed to speak or act on behalf of my finances as they are not entitled to that position ( XX/XX/XXXX Continued ).
I have a background in Homeland Security, Criminal Courts, Family Court and Superior Court Civil and have never witnessed such a destructive set of individuals they call landlords.
It is my recommendation Veterans Affairs, Consumer Financial Protection Bureau and IRS XXXX XXXX along with the XXXX before a full census audit against the agency for stealing information through illegal credit reporting screening, which XXXX injured me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
passed Kristen 's Law, which specifies controlled substance delivery resulting in death, carrying a penalty of up to life in prison This chapter focuses on the Hobbs Act ( 18 U.S.C. 1951 ) which prohibits actual or attempted robbery or extortion affecting interstate or foreign commerce.
Anti-Racketeering Act of XX/XX/1934, which Congress initially passed to combat the use of interstate commerce M & T should have never released information to this company without my permission nor should XXXX be Instigating Housing Applicants from Obtaining Housing in a Reasonable 30-60 Window Period. They are Herby flagged with XXXX XXXX XXXX XXXX under Statue 40-11-5 and prohibited from Contacting XXXX XXXX again for Any Reason ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
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| 07/22/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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My name is XXXX XXXX and I have owned my home for 3 years and am in danger of losing it due to servicer negligence and an avoidable foreclosure. I am a veteran of the XXXX XXXX XXXX and was able to refinance this property with a VA loan. Due to a temporary hardship I fell behind on my mortgage payments and have been working diligently to get back on track with my servicer M & T Bank. I made the lump sum payment I thought would get my account current in XXXX, only to find out I was still behind due to all the fees and other charges they had levied on my account ; also, there was confusion due to another change in loan servicers ( there have been multiple changes in the short time Ive had this loan ).
I could not pay anything more and decided to try to get my loan modified. I submitted multiple packages for review and after multiple denials I was finally approved for a trial modification. I made the first two trial payments, but then I was alerted that a small lien placed on my property by my homeowners association ( stemming from the same hardship period ) was going to cause M & T Bank to revoke my modification. That happened on XX/XX/XXXX, XXXXand M & T Bank then felt it necessary to set a foreclosure sale date for XX/XX/XXXX!!! I got them to postpone that sale date, but they rescheduled it for XX/XX/XXXX.
I can make the agreed monthly mortgage payment but M & T Bank is not giving me a chance to get my mortgage back on track by rushing to sell my home so quickly. I am a XXXX XXXX XXXX veteran and am now a hard working employee of the XXXX XXXX XXXXXXXX. I also volunteer often with my churchs XXXX XXXX XXXX. In other words, Ive served my country in the military, I work now in a XXXX XXXX, and I continue to give back to my communityI do not deserve this treatment by M & T Bank. My hardship was temporary and I am back on my feet and able to afford the mortgage payment.
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| 01/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
Servicemember |
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In XXXX 2019, in order to change the direct debit account from which a loan/line of credit at M & T Bank ( XXXX, VA branch ) is drawn, I submitted in person to the branch personnel a completed form providing personal information, and account information for both the M & T line of credit and the account at XXXX XXXX from which the withdrawals were to occur. In XXXX, when no withdrawals occurred, I asked M & T via phone if the paperwork had been processed and was informed the bank would " check on it. '' In XXXX, when nothing still had been effected, I was informed the forms were " lost. '' I asked for an explanation and received the following written explanation : " I have not been able to get a definitive answer as to where the ACH revocation and authorization were routed. Let me explain about how we were routing inter-office mail at the time you submitted your request. We used to physically seal everything within locked bags, at the end of business on the day, those bags are picked up and physically dropped at our internal processing center located in XXXX, from there, they are routed internally to the departments as listed on the envelopes. To my knowledge, at no point are the contents within the bags not handled by M & T employees, unless it is for out-bound for U.S. mail. Most likely, the documents were shredded, meaning I would not be able to get the exact location as a result. '' I remain concerned that the bank has no idea what happened to this personal information which included both personal and account information and it concerns me that the bank has no apparent controls to maintain and track sensitive records. I would assume the bank has an obligation to accurately maintain confidentiality and possession of confidential personal information and am extremely concerned that it lacks adequate controls and may easily lose and/or personal information as a result.
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| 07/02/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On or around XX/XX/2020, I was the victim of debit card fraud. As a result, M & T Bank incorrectly reversed 5 legitimate transactions with the merchants, that were not not apart of the fraud I was victim to. The amount of {$600.00}, was incorrectly reversed from the 5 separate merchants and refunded to my bank account. I explained this error to M & T Bank via telephone on or around XX/XX/2020after it was brought to my attention by a " reversal of payment '' notice from my cell phone provider. I was told by M & T Bank that the bank would withdraw the funds of {$600.00} from my bank account on or around XX/XX/2020 and redistribute the funds accordingly to the correct legitimate merchants. As of XX/XX/2020, the merchants have not been paid, even though M & T Bank collected the funds from my account onXX/XX/2020. I would like my money back so that I may pay my pass due debts that M & T Bank has created. I've called M & T Bank well beyond eight times over the course of 2 months, but to no avail. On XX/XX/2020 I physically went into a branch located at XXXX XXXX XXXX, XXXX, PA XXXX to address these issues in person with documentation I had, and I was unjustly accused by the banker of being dishonest. I politely left the branch, and I have researched other means and entities to address this issue. I would like my funds of {$600.00} reimbursed to me so that I may pay off the merchants that provided me service. I do not trust M & T Bank to re-disburse the funds to the merchants at this time due to their negligence. I am requesting a thorough investigation by M & T Bank so that the proper actions are taken to protect their customers from incidences of abuse like this in the future.
Transactions that were reversed and illegitimately kept by M & T Bank on or around XX/XX/2020 : XXXX XXXX= {$100.00} XXXX= {$40.00} XXXX XXXX= {$10.00} XXXX XXXX= {$390.00} XXXX XXXX= {$57.00}
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| 01/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
Servicemember |
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I currently have a vehicle loan with M & T Bank for my 2012 XXXX XXXX. Due to some unforeseen circumstances, my autopay was kicked back and I missed 3 monthly payments. My car was repossessed and since the morning it was taken, I 've been trying to make a payment to get it back. First I was told that the bank had n't received confirmation of repo and they would call me when they did ; that call never came. I called to get a balance due, including repo fees and still they had no definitive balance. Again, I awaited a call back that never came. Since then, I have called more than 10 times in the last 3 days to no avail. Now the bank is claiming that they can not give me an amount until they have the title of the vehicle because they are the lien holder. I do not have the title, it was registered with the state of Florida upon purchase and the bank is in fact listed as the lien holder. My vehicle has been moved to an auction house and I have yet to get any solid information on how, when, or where I can get my vehicle. I have the money to pay but this is absolutely ridiculous. Every time I call, I get told I ca n't be given a payment amount because if I bring the account up to date, they have to return my vehicle and they do n't want to do that in fear that I may sell it and they lose their money. I 've had this vehicle for 4 years now with no intention on selling. I purchased it with my hard earned, XXXX XXXX XXXX XXXX paychecks and to be toyed with is absolutely embarrassing and disappointing. To add insult to injury, the late fees assessed by this bank exceed the past due amount and have been dragged from a previous late payment and increased each month. I also am expected to pay the storage fees for days my vehicle was at the repo facility because the bank failed to request the balance and relay it to me in a timely manner. This is outrageous and unsatisfactory.
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| 09/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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On XX/XX/22, I visited the M & T Bank on XXXX XXXX XXXX XXXX XXXX, in XXXX Maryland XXXX The teller requested I verbally confirm my social security number to which I responded I was not comfortable doing in a public lobby and then instead I asked for a piece of paper to write it on.
After my transactions were completed, the teller proceeded to place the piece of paper with my personal information that included my name, address, account, and social security number on a pile on his desk. I immediately identified that to be a security concern and asked for it to be shredded. He said he was unable to do so. I asked if he could at the very least cross out my social security number so that it is not just sitting on a desk where anyone could easily access it. He informed me that the documents will be shredded after 90days of sitting on his desk.
As I proceeded to inform him about my concerns and as he continued to justify his actions, the branch manager immediately and rudely interrupts our conversation to inform me that and I quote the bottom line is, this is the banks policy, you can take it or leave it and then proceed to ask me to leave now The very next day on XX/XX/22, I closed out all my accounts at M & T Bank as I will not do business with any company or organization or business that does not value me and my business or appreciate my concerns. Additionally, it is very irresponsible and careless for any business to expose a customer 's personal information in this manner leaving them vulnerable to data fraud and identity theft that could cause severe damages to me.
I am requesting M & T Bank issue a formal apology for how badly I was treated. Additionally, they should reform their policies, processes and procedures for the safety and security of all customers. M & T Bank is responsible for ensuring this at the very least and owe this obligation to customers.
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| 05/02/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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M, AND T BANK BOUGHT MY MORTAGE UNBEKNOWNST TO ME. I MADE A MORTAGE PAYMENT USING MY APP FROM XXXX XXXX TO THE LOAN ON XXXX FOR XXXX AND THE THE NEXT DAY AN AUTO PAYMENT WAS SENT OUT IN DUPLICATE. FOR XXXX. A TOTAL OF XXXX CAME OUT OF MY ACCOUNT IN 2 DAYS. THE SECOND AND DUPLICATE PAYMENT WIPED OUT MY XXXX BUFFER AND PUT ME IN THE HOLE. BUT THE FUNDS WENT OUYT TO M AND T BANK, I SPENT OVER 37 HOURES FIGHTING THIS FOR 32 DAYS SO FAR. I WENT TO MAKJE MY REGULAR XXXX PAYMENT ON XXXX JUST BEFORE MIDNIGHT FROM WORK AND FOUND OUT M AND T BANK SAYS NOW THAT THEY NEVER RECEIVED ANY PAYMENT., THEY KEEP SAYING INSUFFICENT FUNDS BUT IN A CIOUYRT OF LAW THE RECORD WILL SHOW XXXX WAS SNT TO THEM WHATECER THEY AND THEIR MORTAGE TRANSFEWRE XXXX XXXX XXXX DO WITH MY FUNDS IS OUT OF MY CONTROL. NEVER ONCE DI A HUMAN FROM M AND T BANK CALL ME TO HELP. I SPENT ABOUT 37 HOURS AND 20 PLUS PEOPLE FIGHTING THIS. NEVER WAS THERE ANY MORTAGE PROBLEM TILL M AND T BANK GOT INVOLVED. ALL I GET FROM 2 XXXX, A XXXX, A XXXX, AND OTHERS ARE LIES SAYING THEY WOULD CREDIT THE FUNDES BACK TO MY ACCOUNT FOR THE DUPLICATE PAYMENT. IT WOULD HAVE BEEN EASIER TO LET THEM JUST KEEP THE DUPLICATE AND USE IT FOR XXXX. M AND T BANK HAS CAUSE ME UNBEARABLEPAIN AND ANGUISH AND NOT ALLOWED ME TO PURCHASE POST XXXX XXXX MEDICINE FOR A FASMILY MEMBER IN THE BEGINNING OF XXXX. HAVE BEEN FIGHTING THIOS FOR 32 DAYS, NEVER ONCE DID M AND T BANK CALL ME, XXXX KEEP TELLING ME LIE AFTER LIE ANTER LIE. THEY STATED IN MY FIRST COMPLAINT THEIR WEWRE UNSUFFICENT FUNDS, NEVER. THEY RECEIVED 2 PAYMENTS AND EVEN TOLD ME THEY HAD 1 IN 'SUSPENSE ' FOR OVER 2 WEEKS JUST SITTING ON IT. NOW THEY SAY I NEVER EVEN MADE 1 PAYMENT WEHN XXXX DOLLARS WENT FROM XXXX XXXX TO THEIR COFFERS. M AND T BANK IS GOING TO BE HELD RESPNOSIBLE FOR THIS PAIN AND SUFFERING THEY HAVE CAUSED ME AND MY FAMILY ONCE THIS IS SETTLED, IN A COURT OF LAW.
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| 05/17/2023 |
Yes |
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- Trouble during payment process
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Web |
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I have paid off M & T BANK, but they refuse to offset their books to show my account paid in full on XX/XX/2022. In addition to this Writ of Quo Warranto was sent to XXXX XXXX and XXXX XXXX XXXX. Then recorded on the public record.
The deed was reconveyed to me and recorded on the record and signed off of by the chief judge and yet M & T and their XXXX partners are trying to disregard all of this and give the false impression that they have a legal interest in the home. Their shadow title and their claim as the principal XXXX XXXX XXXX attorney in fact has been dissolved and recorded on the record Georgia revocation of Power of Attorney.
XXXX XXXX. is the attorney and debt collection company in this collusive XXXX action. Their CEO XXXX XXXX was also served with a writ of Quo Warranto and he did not answer. He was also sent the recorded revocation of power of attorney dissolving the attorney-in-fact relationship and their fraudulent activity. Seeing that XXXX and M & T refuse to adhere to the law but use a statute ( which is not a law ) to justify their actions I am forced to present them with the attached lawsuit for their criminal activity. XXXX XXXX has been served with a special deposit to access the spendthrift account and offset the account according to the FAS XXXX, XXXX books. I am also ordering the judge to subpoena both sets of boos and all accounts as Banks are known to keep more than one set of books. one liability and one asset. usually, the accounts have no knowledge of the other. So when a complaint like mine comes in they can not fine the offset documented. They will show up in court and sign an affidavit to testify and not lose sleep because they genuinely do not know of the separate books. The other misconception is that banks deal with money... they do not they are in the business of selling securities which begin as promissory notes.
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| 09/12/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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Web |
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In having a very hard month and being unemployed and searching for a job, I check my account balance on a daily basis. on checking my account on a Saturday. I saw that a scheduled charge had gone through on that day, which had made the account negative. I had checked the day before, on a Friday, and the account was not negative. on seeing that the account was negative on Saturday XXXX, for the first time, I proceed to borrow {$20.00}, from a friend to deposit, in the account to ensure that the account wont be negative. I never believe that any account should be in the negative, no matter how dire a situation is.
This action on Saturday XXXX, removed the account from the negative. and all was well. the account was out of the negative. until the following Tuesday after the holiday, to my The bank to my dismay charge me {$40.00}. I am currently seeking employment and have no money to buy food to make. I checked my phone right after I saw the {$40.00} charge ( with no money ) and my account statement indicated incorrectly that I made the {$20.00} dollar deposit on that following Tuesday and not the Saturday of the XXXX. That 's a huge lie!. I have my deposit slip, which proves that the deposit was made on the Saturday XXXX. I then walked XXXX mile to the bank ( no car ) to get an explanation, and they humiliated me, because I am an XXXX XXXX man. any opportunity to humiliate an XXXX XXXX guy who doesnt look " correct '' is most welcome. talking loudly so everyone could here, afterwards then pleasantly dismissing, me. My deposit slip, and they refused to see it. They said the bank ordered them to do so. They didnt care what I had to say. Bank personel must have repeat that they couldnt do anything almost 5+ times. I need my {$40.00}, back as it is all I have left for the next couple of weeks. I am not a liar as they made me out to be. I have my deposit slip.
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| 02/06/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
Older American |
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My checking account with M & T bank has been compromised by XXXX twice in less than three months. It started on XX/XX/XXXX for {$.00}, {$1.00}, and {$19.00}. I was able to report and to leave email telling them to remove the charges but I was upset because M & T had nothing on its menu or online to report fraud.
On XX/XX/XXXX an XX/XX/XXXX, XXXX hit my account for {$.00} and {$3.00}. Again I tried to contact M & T to no avail. Because Covid, reaching customer Service was impossible. I spent hours trying to reach them for over a week! I tried continuously and was really upset because my social security check is deposited in this same checking account!
Finally, I called my local branch and a one of the female employee returned my call and resolved the issues. I told her what had happened.
I received my stimulus check direct deposited into this same account. The check for {$600.00} I never received. I went to the IRS website and saw that I qualified. One suggestion on the IRS website said to ask your bank if they.received the funds.
No answer.
My mother who is XXXX also has an account with M & T. She wrote a check to a charity in XX/XX/XXXX. It was cashed later at XXXX XXXX XXXX and changed from {$100.00} to {$7600.00} in XXXX. M & T told use because it was check fraud, it would take 90 days to return her funds. When we called back in 90 days, M & T stated their investigator was on vacation and it would be handles upon his return. Nothing happened. No money went back into my Mom 's account.
Last week, an investigator from XXXX XXXX called and asked us about the case. M & T had lied to us. They had never done an investigation!! In two days, my mom had her money back. since XX/XX/XXXX!!!!
Something is going on. Senor citizens are being targeted! My mom had a similar problem with XXXX XXXX XXXX for alot less money.
I am XXXX and my mom is XXXX.
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| 05/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
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On the morning of XX/XX/2019 a man by the name of XXXX XXXX hacked into my account and stole an amount of {$600.00}. The man began by trying to take out $ XXXX dollars out of my account using XXXX, which is M and T Banks system for sending money to anyone you wish. The bank had caught this and sent me an email that they stopped these transactions and marked them as fraud. However, later that day the same person began taking smaller amounts of money ranging from $ XXXX dollars. I had called the bank as this man was taking the money to cancel my account as fast as possible. While waiting the man continued to take money. By the end of the phone call the man stole {$600.00}. The bank had told me that they would start an investigation and I should see my money returned within 3-10 business days. As day 10 passed I called the bank to see what the hold up was. I talked to a woman who was the farthest thing from helpful and could care less that I was a client with her bank. She had said that the bank did an investigation and I wasn't going to see my money and that it was my fault and that I sent the money. I began to plea my case stating facts like why would I cancel my own account in the middle of sending these transactions, also why would I sent such small and numerous amounts to this man. Lastly I even got a police report to prove that I wasn't lying but non of this was good enough to get my {$600.00} dollars back. The next coming days I called again because this is absurd that im not getting a dime back. I talked to a gentleman and he proposed taking this man to small claims court, now between court costs and a lawyer I would be well over my {$600.00} lost already, but seeing as this money was sent to this man the bank should have an account number or something as to where the money went but nope, no information is what they said they had on the man.
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| 01/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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M & T BANK HAS CHARGED OVERLY EXCESSIVE FEES TO MY CHECKING ACCOUNT IN THE LAST XXXX YEARS, INLCUDING {$6000.00} IN XXXXXXXX {$3500.00} IN XXXX AND CLOSE TO {$1000.00} IN XXXX ( ALL PRIOR TO THEIR NEWLY REDUCED FEES STRUCTURE IN XXXX. ) I HAVE PREVIOUSLY REQUESTED IN WRITING IN XXXX, XXXX AND VIA PHONE CALLS TO M AND T BANK SEVERAL TIMES DURING THE PERIOD THAT AN " AUDIT '' OF MY CHECKING ACCOUNT BE PERFORMED. MY WRITTEN REQUEST WAS NOT ACKNOWLEDGED AND WHEN I CALLED TO QUESTION FEES, I WAS TOLD THEY DO NOT PERFORM AUDITS. ALTHOUGH THERE WERE A FEW INSTANCES THAT FEES WERE REMOVED FOLLOWING MY CALL, BUT AT NO TIME WOULD ANYONE AT M AND T BANK AGREE TO REVIEW MY ACCOUNT IN TOTAL TO DETERMINE THE ACCURACY OF FEES. .ADDITIONALLY, MY CONCERNS FOR THE WAY MY ACCOUNT WAS BEING ADMINISTERED BECAME ESCALATED WHEN OUR ACCOUNT SECURITY WAS BREACHED. A FRAUDULANT CHECK WAS CREATED, MY SIGNATURE FORGED AND CHECK WAS CASHED IN THE AMOUNT OF {$2500.00}. THIS BREACH WAS FOUND BY ME, NOT M AND T IN XXXX, XXXX. THE FRAUDULENT CHECK CLEARLY HAD RED FLAGS THAT M & T SYSTEM DID NOT CATCH. IT WAS DATED XXXX, XXXX WITH A CHECK NUMBER NOT USED IN SEQUENCE AND NOT CASHED UNTIL FUNDS AVAILABLE IN XXXX, XXXX THE {$2500.00} WAS REFUNDED FINALLY IN XXXX, XXXX ( MORE DOCUMENTED DETAILS ON THIS ISSUE ARE AVAILABLE. ) I AM MAKING THIS COMPLAINT NOW BECAUSE M AND T BANK WILL NOT TAKE ACTION ON MY REQUESTS TO REVIEW THE EXCESSIVE AMOUNT OF FEES ( OVER {$10000.00} FROM XXXX TO THE PRESENT ) THEY'VE WITHDRAWN FROM CHECKING ACCOUNT OVER THE LAST FEW YEARS. ACCOUNT FEES APPEAR TO BE MAXIMIZED BY THE BANKS SYSTEM FOR POSTING DEPOSITS AND WITHDRAWALS AND HAVE BEEN IMPOSED WHEN I HAVE AVAILABLE FUNDS AT THE TIME OF A PURCHASE, BUT HAVE A REDUCED OR NEGATIVEBALANCE ONCE M & T SETTLES THE TRANSACTION. THERE ARE ALSO MANY INSTANCES WHERE MULTIPLE FEES WERE WITHDRAWN IN XXXX DAY.
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| 10/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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Good afternoon, I had a loan with M & T Mortgage and I made every payment on time throughout the 8 years I had the mortgage with them.
I sold the property and the closing took much longer than expected due to COVID and due the buyer and they buyers lender which was out of my control. It actually 3 months to close, so I made two payments during that time. The 3rd month I was advised by the lender and the attorney not to pay the last mortgage payment because they had already called and gotten the payoff and that it would interfere with the closing disclosure at the closing if I made the last payment. We were supposed to close on the XX/XX/XXXX, but something happened on the lender/buyer side and it was bumped to XX/XX/XXXX.
My mortgage company ( M & T ) called me about the payment, and I explained that we were closing on the property the next day ( XX/XX/XXXX. ) He said that would be fine. He did not say, Well you better pay it now or this will be reported to the credit buruea. If he had, I would have gone ahead and paid it and dealt with the consequences on the closing. I have been working very hard to get my credit built up, and now it went down 64 points due to 1 day.
I checked my credit score today and it has dropped 64 points due to the payment being paid on the day of the grace period ending. The balance of the account is now XXXX, so I called M & T and asked them to please consider pulling back the negative impact to my credit.
I was placed on hold and advised that per the supervisor they could not do that and I would just have to deal with it.
I advised them that I was not happy with that and asked if there was anything else I could do and she told me no.
I am asking if there is a way to have this negative report removed from my credit.
I am happy to provide more details if someone can let me know what I need to provide.
|
| 07/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX I cosigned for an auto loan through M & T Bank for my friend. I've never been late on paying anything in my entire life. On XX/XX/XXXX I received a phone call stating the account was overdue, and I immediately paid the balance. They kept asking me to verify my address, but would not accept my address, as somebody other than myself somehow changed my address without my permission. I then proceeded to ask how late the payments were and if this was going to negatively impact my credit. I was told that it already had. I pulled my credit report, and it dropped 114 POINTS. I asked how this could even be possible, why they never bothered to try contacting me until it was too late. I spoke with 7 different people, and nobody could answer the question. All I was able to find out was that this loan has been delinquent since XX/XX/XXXX, that my cell phone had been put on a " do not call '' list, and my address completely removed from their files. I am the cosigner on this loan and we are both equally responsible for this debt, so why is it that I was never informed it was delinquent- and for 8 months?! The moment I finally received a phone call from them I paid the balance! The last person I spoke with said he would file a dispute, but said their response would be sent to that address on file which is not even mine!!! I am severely concerned that a bank of this size would allow my information to be changed or removed without my knowledge- this is a HUGE privacy concern! And for them to act like it's perfectly normal is another issue. I am upset that the bank failed to contact me, had no respect for my outstanding credit history, and additionally the fact they never reached out could have been due to a security breach. I am taking this step to avoid further potential legal action against M & T Bank for damages to my credit character.
|
| 11/06/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
on friday XXXX XX/XX/2020 when i woke up so i got a message from my bank stating that your balance is below certain amount and that is valid as i set notification request for that but when i checked my account balance so someone has transferred certain amount from my account using XXXX without my consent so at once i went to my bank branch so they said its an online matter so we can not deal with that they gave me phone number for online matters to be dealt with so i called them they there was one lady she said your device is compromised so you need to clean your device and close your old account and open new account so i did and she said in the mean while bank will give you provisional credit of the amount which you lose and bank team will conduct investigation and check i said ok.
next day when i went back branch with my new phone as according to them someone hacked my phone so the manager was saying that i am calling them but they are not picking phone to remove block from my online account and i told her that i am waiting she tried again so after some time she removed block. Today when i called online banking to know the status so she said your dispute is closed and request denied for provisional credit so i said when i have not done any transaction so this is the banks responsibility to reimburse me for my loss but she said transfer is from trusted device and thats all and i am asking them for the details of the account to which money is transferred so they are saying there is a block on account we can not see details i am so confused what to doo now as its my hard earned income and bank is not taking responsibility and with that i tried to inform cops so cops said we are not technology person and your bank can help you in this matter so please help me i can provide all the details to my knowledge i want my money back
|
| 04/13/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
With current VA IRRRL interest rates very low, I have tried to refinance my current VA IRRRL at 3.50 % interest, the note for which is held by M & T Bank servicing the loan on behalf of XXXX XXXX XXXX , XXXX. For two consecutive months ( XX/XX/XXXX and XX/XX/XXXX ) extra fees have been posted to my loan payment statement for information sought by those potential lenders in regard to the " payoff amount. '' These fees are nowhere spelled out anywhere in my VA IRRRL documents ( completed in XX/XX/2014 ) as necessary to having the loan paid completely. A careful bit of analysis would seem to indicate this is a form of " ballooning '' the amount of the loan to the benefit of the servicing entity, here, M & T Bank. If they are allowed to continue to do this to all Veterans for whom they provide " loan servicing, '' this will amount to hundreds of thousands, perhaps millions, of dollars taken from Veterans who are on a single income - their VA compensation. I, personally, am not in fear of foreclosure as I have stopped the entire process of seeking a new VA IRRRL as the process had become far more complicated than I was initially told when contacted by these lenders ( there were 3 ). These " fees '' are not huge in terms of my loan, but I question by what authority does M & T Bank believe it has the right to raise the cost of my mortgage to me except through legally required notifications of a prospective change to the loan amount, i.e., I have an escrow account ; therefore, an increase in either or both property taxes and home owner 's insurance would be something which the servicing entity is required to inform me. I have carefully read my existing loan documents and can find no reference to additions to my loan balance either through " fees '' in order to provide information or then consequent increase in my mortgage balance.
|
| 07/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I have filed two prior complaints today regarding M & T Bank. The first was a general complaint and the second was regarding the offensive manner in which M & T Bank communicates with customers. This third complaint is about the multiple sources -- customer service agents, the app and the website -- of false and misleading information stating that my funds are available while they are not.
On XX/XX/2021 I deposited a USPS money order into my M & T Bank account in XXXX, Maryland. I had called M & T Bank 's customer service ( as I am new to Maryland ), to determine M & T Bank 's policies on cashing USPS money orders. The agent told me that the bank could, maybe, cash it for me or it could take five business days for my funds to become available.
I received an extremely offensive letter dated XX/XX/XXXX from M & T Bank basically accusing me of passing a fraudulent financial instrument, stating " We have information that indicates that the check may not be paid. '' Nevertheless, this offensive communication stated that my funds would be available in five business days. Within five business days, M & T Bank 's app and website both stated that my funds are available, but they were not. I called customer service again was was " promised '' that my funds would be available this morning, XX/XX/XXXX. My funds are still not available. I called customer service, yet again, and the first informed agent I have spoken with, XXXX, a supervisor, stated that my funds would not be available until a pending " fraud investigation '' was completed.
M & T Bank 's multiple false and misleading statements by customer service agents, in its offensive written communication, on its app and on its website regarding the availability of my funds from a USPS money order are, at the least, not in keeping with acceptable customer service practices.
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My new complaint is that the credit bureaus have refused to fix my credit report. M & T has caused me to not be able to get access to COVID 19 funding or any type of funding because they incorrectly reported to my XXXX payment to my credit because I'm XXXX American. See original complaint below.
Original complaint XXXX XXXX XXXX M & T Bank Account Number : XXXX Home Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX I called M & T bank in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail.
I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper.
Today XX/XX/2020 I get a notification that M & T bank has reported me 30 days late for the month of XXXX.
In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ).
Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement.
This brings me to my next point. This bank does anything to suppress and attack XXXX Americans. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with M & T. When I complain M & T responds by retaliating. I am XXXX and XXXX of this XXXX XXXX, what it represents and the XXXX that it spreads. I've said it before and i'll say it again. This organization is run by XXXX XXXX.
|
| 12/24/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
While reviewing my online checking account at M & T Bank, I noticed a series of unauthorized withdrawals on XX/XX/2022 ( in addition to petty small change amounts ), listed as " XXXX transfers, '' totaling {$400.00} + change. I notified the bank 's XXXX XXXX. at tel. # XXXX, and they froze that checking account and said they would do an investigation that could take up to 90 days. I received, signed and returned an affidavit by mail to the bank, again claiming the fraud. On XX/XX/XXXX, I called the XXXX XXXX Washington XXXX DC branch and asked if I could transfer the checking account funds to my M & T savings account. I spoke with " XXXX '' who confirmed that the funds could be transferred and she could do so on my behalf. Besides the original {$400.00} fraud amount, there were XXXX amounts in the frozen checking account also to be transferred : {$8200.00} and {$1700.00}. On XX/XX/XXXX, I accessed my M & T accounts online and noticed that the {$8200.00} and {$1700.00} we're transferred to my savings on XX/XX/XXXX, but that the {$1700.00} was then immediately withdrawn on that same date, and those withdrawn funds were not transferred back to the frozen checking account ; I've made numerous calls to both the XXXX XXXX, both on XX/XX/XXXX and dates prior, such as on XX/XX/XXXX, to discern the status of the investigation, but nobody answers the fraud line, and all representative tel. Numbers I call and branch I visit ( at XXXX XXXX ) for this bank keep telling me I must deal only with the XXXX XXXX bank XXXX, but they won't/do n't know how/refuse or are purposely involved in this loss of my funds. Further, upon balancing accounts it appears that the original {$400.00} fraud has not been rectified. Therefore, I am at a loss of not only {$1700.00} but also {$400.00}. Please help me recover the loss of my hard-earned money.
|
| 09/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
Hudson City Savings Bank delayed or colluded to delay our conventional mortgage application to force an increased rate - the very highest in the nation currently - even though applicants/buyers are of the highest credit standing, for a total cost increase of more than {$55000.00}!
We applied for a conventional mortgage in XXXX, finalized in XXXX but a closing date was not set until XXXX XXXX. There are no credit issues with the buyer or issues with the property. Buyers have excellent credit and full financial resources to meet any bank requirement. The loan was placed through a mortgage broker, XXXX, since he helped provide pre approval rather than our bank, XXXX whom we have an excellent relationship with. All papers were submitted to Hudson City by XXXX XXXX. Clear to close was not given until XXXX XXXX.
Upon speaking with a XXXX at the closing office I was told it was my own fault because there is a clause in the mortgage contract, separate from the mortgage contingency, that provides for the sellers to have three weeks AFTER clear to close so they can move. XXXX at Hudson City said she discussed this clause at length with our attorney and that it is our own fault for signing the contract. The deal of four business days will cost us {$26000.00}. Hudson city, had full knowledge and deliberately delayed as is evidenced by their representative 's remarks about our signing the contract. Such behavior is disputable and unacceptable. We are consumers and trust the bank we apply to be honest and forthright with us. We also hire an attorney to protect our rights. Neither has occurred thus far.
Closing is set for XXXX/XXXX/2015 with the rate lock running out on XXXX/XXXX/2015 allowing Hudson City to charge a higher than industry standard rate by a full half percent - or more than {$55000.00} over the life of the loan.
|
| 04/07/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I got My Mortgage back in 2016 with XXXX Mortgage at the time it was a conventional loan but due to student loan they switch it to an FHA last minute so i can close on my loan. I wasn't paying student loan but i had to act as if i was so my DTI went higher my credit score and work history had me at a conventional loan. They told me that once i hit 20 % on either loan i can have the XXXX or XXXX whatever you want to call it removed. I was told the only difference on FHA was i had to ask the XXXX to remove it once in got to the 20 %. My loan since then has changed hands several times over the years. I ask since after year one to have the XXXX removed several time. I even contacted the FHA to ask how that work in my attachment you will see i contacted them and M & T who has my mortgage now several time asking if i can talk to the right person so i can have the XXXX removed due to what it say in the FHA info they sent it say that if the lender and i come to an agreement i can have the XXXX remove with in 15 days. I have showed M & T this several time i don't have the emails or phone call or letter from them from the first few times ive asked. But i due have the ones i just asked them again. They choose to only go bay the rule that says it for the life of the loan which isn't true it can be for the life of the loan in many different ways it say on the info that FHA gave me but at the bottom it also say i can be removed with an agreement between us both. All they really due is blow me off and send me a letter like the one i have attached saying it for the life of the loan once again which isn't true. Please read threw my attachment from FHA and M & T bank and you could even talk to FHA your self and they will tell you the same thing they told me that it is possible to remove the XXXX off my loan Thanks for your time.
|
| 05/23/2018 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After refinancing my home and closing with my new lender on XX/XX/2018, my former mortgage with M & T Bank was paid in full and funded on XX/XX/2018 In XXXX, I was notified by XXXX XXXX and my credit monitoring service that I had a derogatory/30-day late reported for XX/XX/2018 from M & T Bank I contacted M & T and asked them to explain because this was inaccurate. I have never made a late mortgage payment. M & T told me they marked my late because the received payment on XX/XX/2018 and that was 30 days after payment was due. I told them that did not make since and did not coincide with federal laws. M & T told me to file a complaint and they would investigate and get back to me.
A couple weeks later, I received a letter from M & T saying they would not remove the derogatory mark from my credit report and they pretty much stood by the information stated to me previously.
I also received a paid in full letter from M & T Bank stating my loan had been paid in full on XX/XX/18 ( attached to this email ) I filed a dispute with the credit bureaus and M & T changed some of the wording on my credit report but failed to remove the 30 day late from my credit report I worked with a credit reporting agency and had a conference call with my current loan officer, credit agency and M & T bank last week. In that conversation, the rep ( XXXX ) from M & T Bank said in plain language I never made a late mortgage payment and was on time in XX/XX/2018 because the loan was paid off on XX/XX/2018 After our conference call, the credit agency called M & T back and a supervisor ( XXXX ) said they would not remove the late payment from my credit report I have never made a late mortgage payment and I am disappointed with how M & T Bank is handling this matter. I am not in opposition of legal recourse if this matter is not remedied.
|
| 06/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have had a number of issues with this bank since they acquired my mortgage from XXXX in late XXXX. They stopped my escrow account and stopped collecting home insurance and I had to assume payment of it for a bit. I had to point that mistake out to them. Their Insurance department is totally incompetent. During this time, their insurance department sent me a letter asking me to get the Insurance policy information on the building for them. I reached out through social media and said that I am not doing their job for them. I gave them the contact information for the property management company and told them to do it themselves. I live on the top floor of my building. It is a cooperative building, so I own shares but not the actual unit. I had leaking in XXXX which the building poorly repaired, so I had to pay to fix the repair out of pocket. I reach out them that now in XXXX that I have mold. They told me that the Insurance and Legal department told them that it is not the bank 's problem. I am required to have insurance on the unit while my mortgage is in place and they want the building 's insurance policy but do not care that the building is not being maintained. I am attaching the mold violation that the city put on the unit. They should have at least sent me the building 's policy information so I can file a claim. I want nothing to do with this bank. If I did not care about my credit, I would stop paying the mortgage as I am in a building with mold. I honestly want them to stop having people to call me, just to act like they care. I propose that they sell my mortgage or I will just sell my apartment to end this relationship. It literally makes me sick each month when I have to pay my mortgage to them. They are the worst financial institution that I have deal with in my entire adult life and I am XXXX!
|
| 08/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Peoples United Bank ( Peoples ) was the originator of my mortgage loan, and since the origination in XX/XX/XXXX, my HOA has maintained the same insurance coverage. At the time of the origination, representative of People 's communicated directly with XXXX XXXX XXXX to confirm appropriate insurance coverage. I am submitting the chain of emails between People XXXX and XXXX ( note : emails in reverse chronological order ), as well as a XXXX letter issued on XX/XX/XXXX, both confirming that the HOA 's master policy contained " walls in coverage. '' I am also submitted a XXXX letter issued on XX/XX/XXXX, again confirming the same coverage as of that date. Based on these documents, M & T Bank ( M & T ) is incorrect in concluding the master policy contains insufficient insurance coverage.
In the alternative, had Peoples erred in the origination and my HOAs master policy in fact had not included walls in coverage, M & T, as successor to Peoples, should bear the cost of Peoples failure in due diligence. There is no basis in law or equity for a bank to demand its customers pay for the banks own mistakes. I'm submitting a M & T letter dated XX/XX/XXXX, in which M & T stated in its own words that it acquired the loan from Peoples on XX/XX/XXXX but did not provide the first XXXX notice regarding any walls-in lapse until XX/XX/XXXX. M & T 's actions present a serious conflict of interest, as a bank can simply mislead a homebuyer into believing that they had adequate insurance and then, years later, impose a large XXXX premium upon the unsuspecting homebuyer. Note that the actions of M & T 's predecessor led me to reasonably believe I had adequate insurance, and by the time I was notified otherwise on XX/XX/XXXX, I could not have obtained insurance dating back to XX/XX/XXXX, as insurance policies can not be backdated.
|
| 04/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Me and my wife were XXXX from XX/XX/2023 until XX/XX/2023. During this time our LOCKED filing cabinet was broken into and ALL of our personal banking information was taken and used to deplete our checking account of roughly {$36000.00} that was part of a Workman 's Compensation settlement. I'm sure M & T Bank will be able to look on their database and see everything that has been brought up about this case, including ALL the information and documents we have been sending to verify all of this fraudulent activity. We have been claiming this fraud case since XX/XX/XXXX XXXX XXXX, which is the day after we were released. Ive gone in person to file the claim and explain everything that happened and why its fraud. Ive filed with the XXXX XXXX Police XXXX XXXX XXXX XXXX XXXX XXXX for the culprits that broke into our locked filing cabinet and stole our banking information. We even had a family friend call and notify M & T Bank of the fraud that was occurring and M & T Bank did the BARE MINIMUM to prevent it from continuing. We gave the XXXX XXXX Police XXXX Report to an M & T Bank branch in our area and even uploaded a copy to the CFPB complaints. EVERYTHING HAS BEEN DENIED BY M & T BANK. M & T Bank has acknowledged around {$1000.00} as fraud, but my family is still robbed of {$35000.00} FROM FRAUDULENT ACTIVITY. If nothing else is done on M & Ts then we will take M & T Bank to court. We willl acquire a lawyer and M & T Bank will also be responsible for our lawyer fees. We will subsequently file additional reimbursements for time and all additional expenses, including time required to take off work. This case is obviously fraud and we dont understand why M & T Bank would cause such a headache for a family that has been banking with M & T for over a decade. I look forward to a response. Thank you for your time.
|
| 12/20/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/2022 I caught COVID which caused me to fall behind on my mortgage payments. I contacted M & T and initially they gave me a forbearance and told me about the PA Homeowners Assistance Fund and recommended that I apply for them. I applied for PAHAF program and received an award letter granting me funds to get caught up on my mortgage on XX/XX/2022. During the time M & T pressured me into completing a loan modification application for a partial claim. I sent back the documents at the beginning of XX/XX/2022 and made M & T aware that I had been awarded a XXXX through the PAHAF and that PAHAF would be contacting them in order to pay them. From XXXX XXXX XX/XX/2022 I got the run around from M & T Bank stating that PAHAF never sent over the payment and PAHAF was responsible for holding up the payment. On XX/XX/2022, I spoke with an M & T specialist who discovered that M & T made a huge servicing mistake on my account. The M & T rep stating that M & T sent over the wrong documents in XXXX to PAHAF causing the delay of payment. The rep also discovered that I had been provided with false and misleading information from previous reps as no one told me I had to rescind the partial claim that i was approved for in order to receive the grant. Also no one told me that I had to pick between the award money from PAHAF or go through with the partial claim but I couldn't do both. Additionally the rep discovered that I was misled by previous M & T reps who stated that I didn't have to send in a payment at that time because PAHAF was going to cover the payments. The rep on XX/XX/2022 immediately escalated the case to her manager. However at this point I am at risk for foreclosure due to false and misleading information that M & T provided to me as well as sending the wrong information to PAHAF program back in XXXX.
|
| 10/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XXXX sold my mortgage account to M & T Bank. I decided to open a checking account online with M & T Bank. I entered my information ( including my SSN ) and other information. My Mortage account and checking accounts are linked. That same day of opening the checking account, I was allowed by M & T Bank to fund my account with {$250.00} via a credit card ( not sure if that is legal? ).
I've held the accounts for 3-4 months. I recently inquired about closing my account and withdrawing my funds. The bank replied that it would cost {$50.00} to close my account early plus additional fees for mailing a check. The bank then stated that my account was frozen ( so that I couldn't withdraw ) until I submit verification forms of Social Security Card, Utility Bill, Drivers license. I contacted their verification department, and made the point that I was able to open the account and deposit money, so I should be verified since I gave them my ssn and they have a mortgage account for me already. The verification department refuses to unfreeze my account until i " Provide my original social security card '' to them! I told them that I was uncomfortable with doing that and then they emailed me saying, " We need your original Social Security Card and a current bill. The hold will remain on the account until we receive the requested documents. ". Every time I talk with them the verification forms they are requiring changes and I'm not sure why. As provided above, I do not want to give them my original security card as they're demanding but they're refusing to unfreeze my account so that I can close it out which seems pretty shady. Please help with this, I also dont want to take on their huge fees in closing out early and will wait a few months to do so without a fee, but I cant do anything until the account is unfrozen.
|
| 01/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
In XX/XX/2022, our business checking account was debited about {$12000.00} and it was discovered to be a counterfeit check. We were told to come in to meet with XXXX XXXX at our bank, M & T ( assisant mgr? ) and sign an affidavit, which we did. We were told no police report would be filed. Of course, the theft of {$12000.00} is a felony, which was never reported because, to paraphrase, the police have bigger fish to fry. I was shocked by this. We closed the account and moved remaining balance to another account. In XXXX, I made an appt with the bank manager, XXXX XXXX, to find out what the status of the situation was. An effort was made to recover the stolen funds, of which only {$8800.00} was credited back to our account in late XXXX. We were told this was all that XXXX XXXX XXXX offered. This was the bank that cashed the counterfeit check. After a couple more months, I was notified in an email for XXXX XXXX that no additional money could be " recovered and sorry to the bearer of bad news. '' He also asked if I'd filed a police report. Along the way, I was offered fraud protection services, where I pay M & T so that I can do more work everyday to make sure that cashed checks are legit. I opted out. Felt like insult added to injury. I tried to set up alerts so that I would be notified of transactions over a set $ amount, but alerts are not available on my business checking account. When I asked why the remaining money couldn't recovered, I was told there was a window of 48 hours, a very tight time frame, in which M & T is able to return the suspected counterfeit checks for a full recovery. The discovery of this transaction was outside that timeframe. There is so much that happened and was said to me throughout this process that felt unprofessional, if not possibly against regulation or maybe criminal.
|
| 06/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XX/XX/XXXX, my vehicle was struck by another driver who was trying to complete an illegal U-turn on a four-lane highway. My vehicle was deemed a total loss by my insurance on XXXX XXXX. Since XXXX XXXX, I have made several calls to M and T Bank ( finance company ) regarding assistance with XXXX XXXX XXXX ( my Gap Insurance ). My finance company indicated that after my automobile insurance payment the remaining balance was XXXX. I submitted the information to my gap insurance carrier and they only agreed to pay {$3600.00}. If this was correct, I would still be out of pocket {$3300.00}. In addition, the gap provider known as XXXX XXXX XXXX indicated that I missed several payments that were actually paid.
For instance, Gap reported no payments for XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX.
XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was paid on XX/XX/XXXX I submitted payment history to the Gap carrier, and they are not willing to review it. The Gap insurance advised me that M and T was not accurately applying my payments and indicated that some payments were applied to interest only. In addition, the Gap carrier indicated that I was charged interest for some payments when I shouldnt have been ( as some payments were made during the 10 day grace period ).
M and T indicated that the Gap Insurance shorted me {$1600.00} and I've requested documentation from M and T to send back to the Gap carrier but they have not been willing to provide it.
I'm requesting that M and T to help me resolve the issue its almost two months. Ive been hung up on, promised call backs that were never received, transferred back and forth, and now I need both parties Gap and the Finance company ( M and T ) to help me resolve the issue and review all appropriate documents.
|
| 04/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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|
About a XXXX and a XXXX ago, My Lady had come up with some medical issues and we had some medical expenses that were unexpected, we fell behind on our mortgage payment and we tried to catch up for about XXXX months, So after all the XXXX and anguish, not being able to sleep, and My Lady crying thinking we were going lose the house. We were only XXXX month behind all this time. So we decided to ask for a payment plan to catch up. At this point they granted us XXXX, So after XXXX months we were finished with the plan to catchup, So when we went to make our regular payment after the payment plan they said that we were a month behind, and I had asked them how could that be we just got off a plan to catch up, and to this day they can not give Us a Liable Reason for being behind a month " Again ''. This has affected our credit score in a really bad way, in which they said that it would n't while they would be investigating the matter. We have tried to refi the property but the result of their lack of responsibility to resolve this problem has put our credit score to where nobody will even try to help us. this has been a on going problem with them going on XXXX months, I call them at least XXXX a month to see what or where they are with the issue and all they want is the full payment of XXXX months, and when I ask about the matter that is suppose to be investigating they transfer me from XXXX department to another with representative that do n't know what to tell me or have no knowledge of what I 'm talking about and transfer me again, All we want is to get our credit fixed from this and have a local mortgage company carry our loan from now on, we can not go on with this, it 's unbearable and XXXX, We are not the smartest people in the world ... But we do know when things are not right. Please Help Us!!
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| 12/11/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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My former loan servicer, XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX ) XXXX endorsed and cashed an insurance claim check # XXXX in the amount {$42000.00} that was paid out by my homeowner 's insurance carrier XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the insurance claim was related to damages associated with XXXX XXXX. I was not made aware of this claim initiated.
The insurance check received included my name as XXXX of the payees. The check cleared shows that it was endorsed by a " XXXX XXXX XXXX '' with either M & T Bank and/or XXXX XXXX XXXX XXXX XXXX XXXX. The check cleared XXXX XXXX XXXX on XX/XX/2023, however I never received these funds. XXXX XXXX XXXX knowingly cashed a check bearing my name without proper authorization, constituting an act of check forgery.
I sent certified mail letters to XXXX and M & T Bank on or about XX/XX/2023 requesting all documentation related to the Citizens Property insurance claim, but to date, I have not received a response to these letters nor have I received the insurance claim funds.
Furthermore in late XX/XX/2023, it appears that M & T Bank realized what may have happened and began altering my payment records. Apparently the insurance claim funds were applied to my loan balance without my knowledge. The misrepresentation of mortgage loan transactions led to falsified and inaccurate payment history. This deliberate manipulation of records mislead me about my actual payment obligations and affected credit ratings and financial standing.
The evidence presented demonstrates a clear pattern of deceptive practices by XXXX XXXX XXXX XXXX M & T Bank, including check forgery and deliberate misrepresentation of mortgage loan transactions and payment history. These actions not only breach fiduciary duties but also violate established consumer protection laws.
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| 10/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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|
I have had this mortgage since about XXXX and therefore have made over 120 mortgage payments on this account to M+T Bank and its predecessor. I have never been thirty days past due on this or any other mortgage, ever.
In XXXX of XXXX I had approximately {$200000.00} in my checking account and so there is no financial hardship. I have complete ability to pay a {$2800.00} mortgage.
On or about XX/XX/XXXX, I attempted a payment by phone of the mortgage payment at the phone number identified on the XXXX mortgage statement. I have done this routinely over the years without an issue. The payment was noted to be completed and I was then instructed to hang up by the voice system. And so I did, I never received any call, letter or email from M+T Bank that my XXXX payment was missing or that it did not process correctly.
I received an alert in early XXXX from XXXX on a weekend that my M+T account had gone 30 days past due. I was shocked, and I immediately called M+T when business reopened the next Monday. They advised that they had no record of my XXXX payment. They also said they tried to contact me at XXXX which is an old employer phone number. I found that surprising since they had my cell number at XXXX..
M+T was completely unhelpful to me as a customer and failed to take responsibility for the failure of their phone system, despite my exemplary record of payment.
I immediately paid the so called missing payment and the account was brought current no later than XX/XX/XXXX, the first business day after I learned of the problem with the phone system..
M+T is responsible for this payment issue, not me. My past record of payments with them and my checking account funds support the notion that there was no reason for me not to make the payment and it was due to their error that it did not complete.
|
| 07/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
I called MT BANK to discuss options of reducing my credit card debt or monthly payments on a balance that currently requires over {$300.00} of min payment per month, due to the COVID-19 situation in which I was left unemployed. I talked to somebody who just told me to go to a website and get the " help '' from there. I was previously on that website and the only options they have were for mortgages and car loans and the like, and nothing that could be of help in my case, there were hardly any options for credit card owners and the only thing available was if my account was in " bad standing '', to use a form to apply to get it back to good standing. At the present moment, I'have not missed a payment due but I will in the next weeks and my call to the bank was to inquire about the ways to prevent that, by arranging some sort of alternative payment so that I don't lose my " good standing '' status! I am currently under a 0 % promotion, which will automatically turn into default 25 % or something like that if I skip a payment and will automatically incur THOUSANDS OF DOLLARS OF FEES AND PENALTIES, which I am naturally trying to avoid!!! This was clearly explained to the representative, who replied " WE are a business and you can apply for hardship relief only AFTER your account IS PAST DUE '' .... Basically they told me that they WILL CHARGE ME EVERY FEE, INTEREST AND PENALTY THEY CAN, and then start looking into my application to see " if '' they can do anything about that!!!!
After repeating to the representative that I do not want to end up in that " after the fact " situation, she just told me " have a nice day '' and hung up!!!!!!!!!!
I can not imagine a more blatant, brutal and arrogant disregard of somebody's hardship situation and sincere attempt to keep " good standing '' status!!!!!!
|
| 09/11/2023 |
Yes |
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
|
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Re : Misappropriate mortgage payments Mortgage Loan Number : XXXX I am writing to request investigation and correction of the errors described below regarding the mortgage on my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have previously and historically been allowed to submit bi-weekly automatic payments for the mortgage on the above property since XXXX. The mortgage document I signed did not have any constraints on how payments should be made. During the loan tenure with the prior lenders, XXXX XXXX and then XXXX XXXX the {$600.00} bi-weekly payments were received and applied as intended without error and without late fees. The issue prompting this letter started from the moment M & T Bank gained custody of my loan in XX/XX/XXXX. Even though the schedule of the payments has stayed the same, there have been monthly harassing calls from M & T Bank incorrectly stating that payments were missed, and the loan needed to be brought up to date. In these calls, I have expressed that I send {$1200.00} a month for a mortgage that is {$920.00} a month. And, I have asked them these questions : How are payments being missed? Why am I being charged late fees? Subsequently, am I being charged additional interests on the loan principle?
To date, these questions have not been answered. I feel that errors are being made at my expense and that my funds are being misappropriated. I would like for my payments to be investigated and for any errors found to be corrected. If funds are going to be returned, I want them applied to the principle.
Please note that this letter is also being sent to the following entities : M & T Bank, XXXX XXXX, Consumer Financial Protection Bureau, State of Connecticut Department of Banking, and Connecticut Senator XXXX XXXX.
Sincerely, XXXX XXXX XXXX, XXXX
|
| 08/05/2015 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
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In XX/XX/XXXX we had tried to sell our house on our own but it was not worth what we owed. We have a first mortgage through M & T Bank and a XXXX with XXXX. SO we hired an agent and began trying to short sale our home. M & T said we were not past due so they could n't help us until we were. They made us go through a long XXXX month process to try and do a loan modification prior to allowing us to short sale. We needed to relocate due to how far our work is so we did not want a loan modification, we wanted to sell and relocate. So after about XXXX months it got to the next stage of moving to Short Sale. They APPROVED it to go to short sale. After doing everything they advised they finally APPROVED the short sale in XXXX. So we have been negotiating with the XXXX mortgage to move to close. It is now XX/XX/XXXX XXXX XXXX year later XXXX and the negotiator on the file, XXXX, tells us that he reviewed the numbers and they are getting paid off so we DO NOT qualify for a short sale. After 1 year of ruining our credit and doing what they advise and them APPROVING us for short sale etc.. XX/XX/XXXX they advised us we do n't qualify now and they send us a letter stating if we do n't respond by XX/XX/XXXX they will move to foreclose. So they tell us XX/XX/XXXX & only give us a few days to respond and we just got the letter XX/XX/XXXX. So we have XXXX day to respond or they foreclose. After all the XXXX they put us through and they dropped the ball. We could have been negotiating with the XXXX mortgage only and not ruined our credit if they had done their job. How did they not realize this when we started? before we went past due, before doing the loan modification and getting approved for a short sale. They have totally wasted our time and now they move to foreclose? This is horrible business practice!
|
| 12/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I have tried to sell my house know for 5 years and the deals all fall short a few days before closing when the title commitment is expected to be issued. XX/XX/XXXX XXXX claims to have paid off my original purchase mortgage XX/XX/XXXX and for some reason have no financial records to prove that they paid a dime for the mortgage. The mortgage is stamped cancelled with no indication of being satisfied. I have tried to get the release of lien and discharge so I can sell the house but XX/XX/XXXXXXXX doesn't have it. Taking into consideration that XX/XX/XXXX XXXX has no proof of paying off the mortgage it is very hard to believe that the " mortgage '' has been transferred time and time over again to a party that lays out over {$100000.00} and has absolutely no proof of payment to Hudson City Savings Bank. It is very hard to believe that any party would buy paper with no paper trail and pass it from one party to another on a regular basis. Take a look at the attachment that shows in book XXXX page 96 the lot and the block was changed.
I not exactly certain where the fraud is but I am very sure that fraud has taken place.
I need to get ALL the information for my Hudson City Savings Bank mortgage said to be issued on or around XX/XX/XXXX for XXXX XXXX XXXX for my XXXX XXXX XXXX XXXX, XXXX XXXX house. The mortgage origination number was XXXX the alleged mortgage number is XXXX I need to know if the mortgage was actually issued, recalled or foreclosed.
I need to know if the mortgage was paid off and who paid the mortgage off and the ate it was paid off and the amount paid if any.
I also need to know the current status and why there is no release of lien or discharge of mortgage and how to get such records if they exist.
I would greatly appreciate your cooperation with this very serious matter.
|
| 02/27/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/XXXX I got laid off from my job that I had been working at for 18 years, I called my Mortgage Company which is M & T bank and notified them of this and they told they would send me out a modification package. I called a company that deals with FHA housing to help that I got from M & T bank and I started the modifications packet through the hardship housing company called the Neighborhood Project Foreclosure Prevention Program , M & T bank would not let this the company come in and help they kept stating that they wasnt getting the authorization form from the company and it had been faxed to them 4 times with a confirmation saying that it was received by M & T bank. So I had continuously to keep working with them giving them every form or information they needed from. Than they sends me a denial letter stating that Im not enough months behind on my Mortgage so they cant approve my modification I applied for. I was told this over the phone as well on XX/XX/2020 with a manager in the mortgage department. This makes no sense to me that you would deny someone who has got laid off from work and only owes XXXX on there house and only have 2 plus years left to pay. Why would you deny anyone whos asking for help while there in a crises. They put it of on FHA saying it was FHA that denied the modification because I wasnt enough months behind on my Mortgage. I dont know what is the truth at this point. This is the far most worse Mortgaging Company I have ever seen and I owned a house before I became home owner of this house. I wish I can just get some type of help. I dont wan na loose my home. This company doesnt care. All they do is be very rude with you and have no compassion for homeowners. Why would you deny someone of a home modification because their not enough months behind M & T bank?
|
| 10/10/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I no longer have access to transaction details on my account nor am I able to see the escrow balance. I was told that it was due to me being in an active bankruptcy.
My mortgage payments are up to date and bankruptcy should have no bearing on my ability to see what is going on with my account. There have been numerous occasions where my payments were not applied appropriately. I am currently waiting on money to be moved to my escrow account that was paid to M & T on XX/XX/2019 ( {$1200.00} was for my mortgage payment and {$2100.00} was for my escrow account ). I have called 3 times to get this taken care of. The amount of {$2100.00} was a refund from a previous home owners insurance company. I was able to catch this because for several months I had access to online detailed account information. The money was placed in a suspense account when I clearly specified online where the money should go ( there are fields for principal, late fees, escrow, etc. that allow you to enter the dollar amount to apply ).
My escrow account is currently negative because of this. This also affects my monthly payment when the time comes for the escrow analysis. With a negative balance, my mortgage payments will definitely increase.
Trying to call in to make a payment is a joke. It may take 2 days just to reach someone. It appears that because I filed bankruptcy, M & T wants to make it harder so that I get behind, when I was never behind to begin with. My reason for filing bankruptcy had nothing to do with my mortgage or inability to pay.
Not being able to see detailed account information at any time is a problem. I should not have to wait 30 days for a statement in order to catch any errors they may have made. If my payments were applied appropriately each month I would not be as concerned, but, they have.
|
| 11/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX RE : M & T BANK QUESTIONABLE UNETHICAL BUSINESS PRACTICES Residential Mortgage Loan Pay-off Date : XX/XX/XXXX M & T BANK ML # : XXXX LIEN RELEASE INSTRUMENT # : XXXX DATED XX/XX/XXXX County / State : XXXX County, NV Dear Consumer Finance Protection Bureau Support : Subsequent to the above-mentioned mortgage loan pay-off, we requested the stamped Paid Mortgage Note and a copy of the recorded Lien Release Instrument numerous times without success. All required Residential Mortgage Loan Pay-off fees/charges were paid in full through Escrow, XXXX XXXX XXXX XXXX XXXX ( File # XXXX ) as of XX/XX/XXXX.
On XXXX ( @ XXXX XXXX PDT ), XXXX of the M & T Bank Residential Mortgage Department ( XXXX ) disclosed that 1 ) pursuant to State Law , M & T Bank must record the pertinent Lien Release within 30 days of the mortgage pay-off, 2 ) M & T Bank will NOT provide us with a copy of said Lien Release and 3 ) we must contact the XXXX County Clerk directly to submit the appropriate fee ( s ) to acquire said copy of the Lien Release.
We have purchased and sold numerous real properties since XXXX and never had this situation occur whereby a lender & /or the assigned mortgage loan servicing agent does NOT provide the above-mentioned items upon mortgage loan payoff.
Kindly assist us in our efforts to acquire the above-mentioned stamped Paid Mortgage Note and a copy of the recorded Lien Release Instrument.
M & T BANK Contact Information M & T BANK Residential Mortgage Loans XXXX XXXX XXXX NY XXXX XXXX M & T Bank Headquarters XXXX XXXX XXXX, President and Chief Operating Officer XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Thanking you in advance for your responsiveness and assistance.
cc : Complaint Submitted XXXX of XXXX New York XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
|
| 06/03/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I received a letter from m & t. Bank which is the holder of my mortgage stating that I am behind a payment from XXXX of XXXX . Apparently the mortgage company infinite mortgage services requested a payment back in XXXX of XXXX from my bank stating it was owed from over a year ago. Back in XXXX XXXX of XXXX " it is even noted on my account '' I had called the mortgage company and also my bank to pay my first payment. They told me I did n't owe anything until XXXX of XXXX . So I started making my payments XXXX of XXXX . Now m & t is starting the foreclosure process with threatening letters phone calls and visits to my home on an error that was in no way my fault. I had contacted the bank for the past 3 months trying to fix this error and requesting letters to help my fix the issue. I had never heard back from them except the threatening letters when they were supposed to investigate the issue. Also they are reporting the missed payment every month to my credit bureau and ruining my chances of ever having a good credit score . I have had issues with this bank from the start and I feel that in the errors I should not have to make this additional payment because I have kept my payments on time every month since obtaining this house. I should not be held responsible for the banks error of over 1 year ago. This company is ruining my life and my credit and I need answers or some kind of assistance. I have XXXX children and live paycheck to paycheck there is no way no will be able to afford to pa y 2 mortgage payments back to back because of there error also there is no possible way I can afford there insane repayment plan of an extra XXXX $ on top of my mortgage every month. This bank is a joke and horrible at what they do please help my situation. Thank you
|
| 07/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
It is not possible for me to file a complaint against XXXX XXXX XXXX XXXX, so it is against M & T Bank. I was supposed to have ALL overdraft fees associated with a debit purchase that was unauthorized refunded. They were not. The fee of {$37.00} charged on XX/XX/2022 which was a direct result of a charge that was disputed and refunded was NOT refunded. Had I been accurately refunded in the first place, they would have lost out on SEVERAL of their {$37.00} fees as many were {$20.00} or less.
Additionally, they are in breach of their own contract. If money is placed into an account the same day an overdraft fee is incurred, there is not supposed to be an overdraft fee. On XX/XX/2022 I was charged {$37.00} for an overdraft from XX/XX/2022. However, I deposited {$340.00} on XX/XX/2022. The overdraft wouldn't have been charged if they followed their OWN policy. The only reason the account went negative was the 4 {$37.00} fees from XX/XX/2022.
I called the banking center and was refused to have even this one fee refunded.
They have taken 19 {$37.00} fees in less than a month.
If they refuse to follow their own contract, I will take them to small claims court. I would like the FDIC to note that the fees M & T Bank charges are less than XXXX XXXX XXXX, significantly, and they have taken AWAY positive things in my XXXX XXXX contract ( like checks up to {$500.00} being available right away ). How is it legal to take away only the positive things I was offered by my bank and keep the negative ones -- yet I am unable to sue XXXX 's XXXX -- -how is this legal to treat two consumers forced to use the same company so differently? There should be more oversight!!
Additionally, while it is subjective -- FDIC states these fees are not allowed to be " excessive ''. Guess what? THEY ARE EXCESSIVE!!!
|
| 09/10/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I had 3 savings accounts with M & T Bank. On XX/XX/2020 I had all the funds of the accounts transferred to another financial institution. The interest earned on the accounts from XX/XX/2020 to XX/XX/2020 and posted on XX/XX/2020 was : Account 1 - {$.00} Account 2 - {$.00} Account 3 - {$.00} Total {$.00} Instead of closing the accounts and sending me a check for XXXX cents, the bank charged me {$45.00} in fees for Account 1 ( {$30.00} ) and Account 2 ( {$15.00} ) - Account 3 was not charged bank fees but remains open with a {$.00} balance. I have written the bank twice - once in early XX/XX/2020 after seeing the {$45.00} of bank charges on the XX/XX/2020 electronic bank statements, and then in XX/XX/2020 after not receiving any response from the Bank in regards to the requests in my XXXX correspondence - specifically asking M & T to rectify the situation by reversing the fees, sending me the accrued interest and closing all the 3 accounts. M & T has not responded to my request ( positive or negative ) but recently sent me month-end XXXX Statements which indicates that M & T has credited Account 1 & Account 2 ( total of {$44.00} ) for the difference between the inappropriate fees ( total of {$45.00} ) they previously charged my accounts and the interest earned ( {$.00} ) from XX/XX/XXXX to XX/XX/XXXX, resulting in XXXX balances for Account 1 and Account 2.The troubling part is they call the credits " Collection Account Fee, '' which has me very concerned they may be attempting to inappropriately soil my credit record due to their incompetence. In addition, they continue to ignore my request to close Account 3 with a remaining balance of {$.00}. Since the bank will not communicate directly with me and it appears they do whatever they want to do, I have no choice but to lodge a complaint.
|
| 09/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
The bank accepted a lesser payoff, it was not a short sale, this was in XXXX of XXXX. The balance due was {$3000.00}, this was not disclosed until after the sale was completed. For two years the bank accumulated escrow charges on the {$2000.00} balance, the bank paid insurance and property on a balance of {$2000.00} as if it were a property, all this was happening after the purchase was complete, I was no longer the owner of the property, the total accumulated to over {$8000.00} including legal fees for the foreclosure. The bank also took me to foreclosure proceedings because of the unpaid balance. The property was not in my name, the buyer owned it and was paying escrows. I finally agreed to pay off the balance because the property that was no longer mine was going to be foreclosed upon, I would have liable for a law suit from the new owner. I tried for two years to reason with the bank, no success. It was a huge financial hardship for me. I paid off the balance XX/XX/XXXX, I have a letter to prove that. Even after I paid off the balance the bank sent the account to a collection agency. It took me two years to clear that up, finally on XX/XX/XXXX the collection accepted the letter from the bank stating that the unpaid balance had truly been paid. The attorney involved in the foreclosure process bullied me when I called them to inform them that there was no actual property involved, XXXX and XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, XXXX. They said they would proceed with the foreclosure and that the new owner was going to loose his property because of my unpaid balance. The new owners 's name at the time of foreclosure proceeding was XXXX XXXX, XXXX. He had no idea was was going on and that he was in danger of loosing his property. The collection agency was XXXX XXXX.
|
| 10/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX, a XXXX XXXX Transfer was set up fraudulently in the amount of {$300.00} ( x3 transactions ) and {$150.00} ( x1 ) for a total {$1100.00} to come out of my checking account, as an ATM bankcard transfer. I did not set this up. I did not provide my ATM information to anyone and believe my card must have been fraudulently copied or obtained illegally. I notified the bank the same day when I received an email confirmation from XXXX XXXX regarding the transfer. The bank initially closed and refunded the money. However, the bank then came back and denied the investigation stating they found the charges valid. M & T Bank confirmed the money wire was picked up in The XXXX, NY on XX/XX/XXXX. XXXX XXXX claims the money was picked up in XXXX Washington on the XX/XX/XXXX. The transfer was set up in the name of XXXX XXXX XXXX. XXXX is my maiden name which I haven't used legally since XXXX. XXXX XXXX stated XXXX XXXX XXXX ( my daughter ) was the receiver of the funds, but she was not the receiver of the funds. I have sent funds to my daughter in the past in XXXX but it required a confirmation number. These funds did not go to my daughter and I did not authorize funds to be transferred. I believe someone has used previous transaction records to fraudulently set up this transfer. I have disputed this with the bank and XXXX XXXX. XXXX XXXX complaint was filed with them in XX/XX/XXXX and they have delayed the investigation and have not gotten back to me. They asked for a police report which provided in XXXX. As of XX/XX/XXXX at XXXX, Ms. XXXX told me to call back in another week. They always stat e to call later. Several case # s assigned. Bank and XXXX XXXX refusing to help. I had bill pay set up on my account and this has caused significant hardship with overdraft fees and late payments.
|
| 07/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XX/XX/XXXX at approximately XXXX am I contacted the bank about a mortgage application that we submitted. Upon speaking with the representative over the phone at the bank she insisted that she couldn't assist us. She said to call customer service before handing me over to the branch manager who claimed she couldn't assist then when pressed about the reason she whispered disrespectful remarks about us to the representative next to her that could be overheard since she had us on speak phone. The manager XXXX XXXX informed me that she didn't have to assist me even though I have a checking account with them. Meanwhile ignoring the fact she just disrespected me for asking for help. Before she hung up the phone on me I told her I am closing my account today. I proceeded to the bank immediately and requested to close my account. I demanded to speak with her supervisor and she declined and closed her office door on me to which I responded calling her useless. She refused to close my account then called the police to have me escorted out. The police told her that she couldn't call the police for simple customer disputes. If everyone customer service representative called the police there'd be chaos.
Since nothing could be done I left the bank and proceeded to contact customer service once more to no avail. I received a letter on XX/XX/XXXX dated XX/XX/XXXX stating the manager XXXX XXXX has used her authority to close my checking account without due process or any regard to myself and the fact that I am permanently XXXX the manager is taking advantage to avoid consequences for their actions when I requested it it couldn't be done but she can retaliate and close my account instead. Nevermind the damage to my credit score given I have a pending mortgage application.
This should be illegal.
|
| 03/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
On Monday XX/XX/2021 I called a number given to me on the XXXX/XXXX I informed the person that I was trying to connect my prime service to my TV so we could watch movies The person on the other end ask me for the code that i was given on my TV and ask that i open my apple phone and place it next to my XXXX that I was using which I complied next thing I know the person is asking me some questions that had nothing to do with the issue.
I felt something was not right and decided to check my bank and that was when I realized that my bank account had been hacked Someone sent a XXXX payment to a person I do not know for {$1300.00} which cleared my checking account.
They then proceeded to clear my savings account that was linked to my checking account with two transfers one for XXXX and another for XXXX I called M & T Bank right away and reported it and ask them to locked my online access and to issue me new ATM Cards. The following day I visited the bank personally and spoke to the teller who then call the main bank to see information she then ask some questions about XXXX and a XXXX XXXX, I told them that I have never use that service and after a few more question I was told. that I should hear from Bank after 72 hours On Wenesday I went back to the bank and was told my money was back in my account but upon checking I noticed that the savings account money was in back in my account because the hackers couldn't finish the transaction but the amount of the first XXXX transfer was not credited. When I called the bank I was told the credit was denied and the case was closed. I want the bank to refund my {$1300.00} plus {$110.00} overdraft fees charged to me because there was no money in the account when some of my other payments came in.
anything you can do to help will be appreciated
|
| 09/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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City of XXXX. property tax dept. notified me of a refund for XXXX prior years available to me. I was given by the city all the steps to obtain this refund and notified M & T bank/ mortgager and obtain all needed documentation from M & T Bank and sent everything to the XXXX . Property tax revenue dept. I obtained lettered permission for the refund to be sent to me by M & T bank. Followed up to find process/and check was approved but notified that the check will no longer come to me but to M & T Bank per a petition filed by M & T Bank on their own after my petition was submitted. Per the city the check was made out to M & T Bank and has already been sent to them. The bank denies the submission of an alternate refund request and denies of any change in payee. M & T states they will keep the check and not sent it to me but place it into my escrow account and will do a 2017 review and lower my mortgage payments for just one year instead of returning the refund. The bank continues to deny why the switch happen and continues to deny any check received from the City of XXXX Revenue Dept. I have documentation of the approval letter from M & T giving the Dept. of Revenue permission to send the check to me. I believe this is a fraudulent move by the bank to obtain funds for property taxes for a period of 3 years totaling over XXXX dollars that has already been paid through my past and present mortgage payments. I suspect that I am not the only person to expeirence this bate and switch. The City of XXXX Dept. of Revenue and M & T bank are blaimiing each other for this event. Numerous calls to Bank and Dept. of Revenue for the City of XXXX. has not fix the issue above. I need assistance to get the full amount issued to me.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, XXXX XXXX XXXX
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| 11/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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|
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Web |
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Coming on the heels of my several complaints against M & T Bank with your agency, I have just been informed that M & T Bank, in addition to stealing the {$20000.00} that I currently have pending complaints with your office so that they can " return it sometime in XX/XX/XXXX, '' has also dishonestly turned off the notification for any and all credit charge backs through their M & T Bank Merchant Services company, so that I can never even find out if a new credit card charge back has been lodged since they abruptly closed my account in XX/XX/XXXX.
This they are doing precisely because I have won 100 % of all of my credit card charge backs against dishonest thieving former law firm clients, because we always keep signed retainer agreement contracts, detailed billing invoices, copies of hard legal work in well organized electronic and manila files, and other evidence which militates against losing any credit card chargeback.
But M & T Bank, in their continued fit of bad faith, vengeance and retaliation for my having filed complaints against them with your agency, cut off our notifications through businesstrack.com and/or swipesimple.com, and now we have no idea if any credit card charge backs have come through since they shut us down in XX/XX/XXXX, and we can not even respond to them.
This leads me to believe that if, and when, the date comes for M & T Bank to refund our stolen {$20000.00}, that not only will there be nothing left, but in fact, we may wind up owing M & T Bank if they paid anything out to these deadbeat thieving lying former clients who may have done a charge back ( because there was never any response from us ).
Please, as always, urgently investigate this incredibly dishonest bank and its contact XXXX XXXX, XXXX XXXX XXXX XXXX XXXX M & T Bank, and advise.
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| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I received correspondence from M & T Bank dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute.
I asked for documentary evidence for the M & T Bank account reporting on my consumer reports because there is a billing error.
There appears to be a billing error on my consumer credit reports from M & T Bank. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44.
Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records.
Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts.
Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows.
Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements.
Since M & T Bank is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.
|
| 03/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
|
|
I purchased a condo on XX/XX/XXXX in XXXX XXXX NY with my late husband. the mortgage for {$120000.00} was done through XXXX XXXX XXXX XXXX for {$690.00} monthly.
I have continued to pay this directly from my XXXX account monthly.
I currently live in XXXX and received a letter dated XX/XX/XXXX ( received XX/XX/XXXX ) from M & T Bank that my mortgage was 50 days late and I owed over {$5100.00} ( this does not compute with my monthly payments of {$690.00} ) and I was risk of foreclosure.
I called at XXXX XXXX EST on XX/XX/XXXX to discuss this issue and was told I WAS NOT AUTHORIZED ON THE ACCOUNT. the letter was addressed only to me not my late husband and the mortgage was in both name but i was repeatedly told I was not authorized. During all 3 conversations I had with M & T they stated that inorder for me to be authorized to be on my own mortgage I was required to fax my late husbands death certificate and probate documents wait 5 business days and then call back in to find out if they would then speak to me. that they would not contact me at any time to tell me they did or did not have all the information required.
When trying to contact XXXX XXXX XXXX XXXX I found out M & T has taken over all of XXXX XXXX XXXX. my mortgage payments have been accepted each month to my XXXX XXXX account.
I spoke to M & T 3x with the last call taking place at XXXX XXXX est ( XXXX XXXX AEST ) requesting that the supervisor XXXX XXXX to look on the XXXX County Clerk website to show that I was on the mortgage. He refused and stated even if he was to see that he was would still not be authorized to speak to me because I was not on the mortgage. At that point I stated I would be reporting M & T actions to the NYS Attorney General office referred me to the CFPB do to the level of this issue.
|
| 02/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
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In XXXX, I contacted M & T Bank to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the M & T Bank Mortgage department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired 3 different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. M & T Bank did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.
|
| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I applied for COVID forbearance with M & T Bank initially on XX/XX/XXXX. A few weeks later I received a bonus payment from my employer. Since this bonus payment was received, I was able to make the XXXX and XXXX mortgage payments. I called customer service and told them I wanted to make a payment, that call removed me from forbearance.
When the COVID crisis continued and all of my income was effected in XXXX and would continue to be effected for the foreseeable future, I realized needed to get back on the forbearance plan. I applied for assistance on XX/XX/XXXX, see email confirmation attached. Included in this email confirmation was the guarantee that I would not be charged a late fee and no past due payments will be reported to credit bureaus. Instead, my account was charged late fees and M & T bank reported my mortgage as past due during my forbearance, which did not end until XXXX of XXXX.
M & T Bank incorrectly has reported to all credit bureaus that I had a late payment in XXXX of XXXX, well after my COVID forbearance was requested on XX/XX/XXXX. I called and started three separate investigations with M & T bank, every representative I've spoken with understand the error and said it should be corrected but each time the results of the investigation has been that my COVID forbearance ended on XX/XX/XXXX, not taking into account that there was a XXXX forbearance processed and no payments made on the account until XX/XX/XXXX.
Since my account was on COVID forbearance and I have proof of that request, I advised M & T bank that per the CARES act they are not allowed to report my account as past due. My credit score has been greatly impacted by this reporting and the result is being declined for loans and only being offered higher interest rates due to their error.
|
| 11/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
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On XXXX/XXXX/15, I opened a checking account ( {$150.00} cash ) with M & T Bank XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/15 a direct deposit of {$4500.00} went through as well. On XXXX/XXXX/15, I was reviewing my account online and it had a {$150.00} bonus for a new account with direct deposit added. I called customer service and they said that although my direct deposit was new and went through on XXXX/XXXX/15, that my account was opened on XXXX/XXXX/15 and not new. They told me to call the local branch. I called the local branch and spoke with the XXXX XXXX XXXX XXXX XXXX who said although the person who helped me open the account new about the upcoming promotion, she could not tell me. I asked if I could close my account. She said I could not get any money out of my account. I told her she was mistaken. I called customer service back and they told me that I had to call XXXX back and ask for her XXXX XXXX XXXX XXXX. I immediately called XXXX back and she did not even remember me. I said XXXX 4 times XXXX, please just have XXXX call me. XXXX kept asking why and was I mad with her. I asked again XXXX XXXX time ) please have XXXX call me. XXXX called me 2 days later and said she could not help me, but XXXX was incorrect about not being able to access money. She said she would have someone call me back. The next day, XXXX XXXX called me and he said he would waive a {$50.00} closeout fee. This upset me, for no one ever mentioned that. He was rude, I immediately e-mailed customer service and after another week, XXXX finally called. XXXX was rude and said she would do her best to waive the {$50.00} fee and that I was not entitled to the bonus. I asked her for XXXX and afer asking 3 times, she gave me a business address with their e-mail address. She was rude and of no help
|
| 03/17/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
I am under the impression from my mortgage that someone attempted to purchase my home fraudulently or barrier home ( s ) attached to my probate within this mortgage XXXX XXXX XXXX. I have a mortgage so these people ( actors ) can not steal my home and mortgage ( probate ) as they did in Delaware using fraud. The XXXX law firm was involved in these fraudulent practices in Delaware. My probate is from XXXX probate presented XXXX overseas never received alerted of it just recently and asked for a copy from the city. I was a minor in the XXXX XXXX and was XXXX. My ex husband died in XXXX and I never authorized XXXX XXXX XXXX or his XXXX any authority or amendments to the probate. I do not have any XXXX and I am the sole probate holder born XXXX XXXX XXXX no I am not affiliated with any actors. Actually was married in XXXX and my name became XXXX XXXX. I was defrauded of my finances in XXXX by a XXXX of XXXX XXXX tricking me into a divorce. They supplied me with none of my finances and XXXX law firm fraudulently took the home and barrier home ( XXXX ) and properties as well in Delaware. My original mortgage is from XXXX Bank XXXX XXXX, XXXX. This account mortgage was sold to XXXX XXXX XXXX where it stayed for years being juggled through different accounts within XXXX XXXX XXXX. In XXXX XXXX, XXXX I set up for my current mortgage that it was sold to M & T Bank. I believe the fraud is in each time my mortgage was sold these actors fraudulently set-up mortgages on their homes to buy them ( their homes ) and to receive government funds that I never allocated to these premises. Due to the nature of these claims I need the XXXX XXXX XXXX XXXX XXXX for XXXX XXXX staff to be notified and request that this individual has no affiliations with the acting community or the XXXX law firm.
|
| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
M & T BankXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) re : account # XXXX XXXX ) I believe my escrow payment to be too high. My property taxes were greatly reduced to {$3900.00} and while I was given a refund check for the difference in the amount of {$1600.00}, I was expecting the refund check to be much larger given how much my property taxes were reduced.
2 ) The refund check too 4 months after I gave them the new property tax assessment, far too long for this mortgage company to hold on to my money. Companies hold onto money for as long as they can. I also had to call in and request the money 3 or 4 times before a check was actually received.
3 ) My home payment was reduced from {$1700.00} to {$1600.00}. Today I received a very nasty phone call telling me that my payment of {$1600.00} was in suspense and that I owed an additional {$150.00} ( {$94.00} difference and late charge of {$56.00} ). They FORCED me to pay the difference of {$94.00}, but waived the late charge.
I would like for someone to review my escrow account and see if this mortgage company is holding onto too much money. They also need to be investigated to see if they are taking too long for refund payments. XXXX XXXX XXXX called me today in a very mean and demeaning manner saying that I was delinquent on the payment, etc. etc. I'm sure he was trained to do that, but XXXX XXXX XXXX should have also been trained to see that I've always sent my payments on time and he should have also looked to see if there was a recent payment change.
I believe that 1 ) I should be due additional escrow refund and 2 ) that my payment should be lower than what it is at {$1600.00}.
Please let me know if there is any additional information that you require in order to investigate.
XXXX XXXX XXXX
|
| 10/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I opened up a business bank account with M & T for my film production company XX/XX/XXXX. Within that process they sent me checks through the mail. The checks never arrived and I then looked at my bank account to check if my producer wired money to my account. He did, but I then discovered that someone was signing checks and stealing my newly funds. I immediately called the bank. The banker XXXX XXXX said she had called me. I then told her she should had frozen my account because the signature wasn't nearly close to mine. I also told her that she should have reached out and told me that she suspected suspicious activity on account. I then went to the bank to sign 5 Affidavit Of Forgery documents XX/XX/XXXX ( Checks for {$930.00}, {$840.00}, {$890.00}, {$920.00}, and {$910.00} ). They then started me a new business bank account and said they would keep the old business account open until the investigation is done. Months went by and XXXX hadn't helped nor contact me with updates. I then filed a report about the checks to The United States XXXX XXXX XXXX XX/XX/XXXX. By this time branch manager XXXX XXXX then took over the account complaints. She was very nasty to me and sometimes would completely ignore my emails. So I then tried to reach out the bank 's customer service and it didn't help. I then went into another branch and a banker by the name of XXXX XXXX tried to to contact XXXX XXXX and help me and it didn't work. Eventually they also deleted the account where the fraudulent activity occurred and havent reached back out to me. Its been a very long two years of trying to get my money back. I felt so lost that my small business lost this much money causing my business to go into debt. Recently my mom notified me about XXXX so Im now reaching out for help.
|
| 07/28/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
My debit card was stolen from a restaurant/bar in XXXX and the suspect spent almost {$600.00} before I noticed and cancelled the card. Their purchases also caused my account to go negative. M & T credit the money back to me and now after their investigation they advised they are taking the money back out my account on XXXX. After. Multiple calls and associated they told me it was denied because suspects do n't usually steal cards and go use them at gas stations and car washes and XXXX XXXX Department store. I asked multiple times to speak to someone who could help me and there has to be some way I can fight this because if a proper investigation was done, it would show it was n't me using the card. I work hard for my income and am a single mother of twins. Taking this money from me was devestatipng enough to have to work with for the two weeks it took them to refund it and now to take it again is wrong. This is my hard earned money. I 've been a customer for years with that bank and have never been through this before. The fact that XXXX different reps just all said well it is what it is without any real help is not right. To say that the area where the card was used are places I have used before as a reason to deny is not acceptable. Of course when a card is stolen from the area you live in they 're going to use it at the same places. XXXX is not that big! The fact that I 've been in tears for two days and have had to repeat my story repeatedly to the different reps who all say the same thing " sorry claim was denied there 's nothing else to do '' is so demeaning. This money being taken means either my children wo n't eat or our rent will not get paid. I just do n't understand how a company that prides themself on customer service could treat me this way.
|
| 09/17/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
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. ''
|
| 07/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX has a personal interest in the assets, funds, and property of XXXX XXXX ( XXXXXXXX )., which has it primary office at XXXX XXXX XXXX, XXXX # XXXX, Washington, DC XXXX. XXXX established a business checking account with M & T BANK. XXXX deposited monies into that checking account. XXXX stores its financial information, including account numbers, credit/debit card numbers, and access codes in its secure computer system. Though it was first believed that someone had broken into XXXX safe and stolen its M & T Bank debit card and access code it was later, after a thorough investigation, determined that it was not the actual card that was stole but rather the information on the card, which was stored in XXXX computer system. Specifically, on or about XX/XX/2021 XXXX computer system was accessed without authorization. Financial information was viewed and printed. Consequently, XXXX staff became aware that funds had been withdrawn from its M & T Bank checking account without its knowledge or authorization. A claim was filed with M & T Bank, based on the information available at that time ( which was incorrect in that the actual debit card was not stolen only its information ). On the following day, after M & T Bank received the claim, it denied it without any investigation into the incident. Internal investigation as well as police reports have been filed with the appropriate authorities. There were at least three unauthorized ATM transactions from the M & T Bank checking account. They total approximately XXXX dollars. M & T Bank has denied the request for the return of these monies. XXXX XXXX XXXX has an interest in these monies as she is the owner of XXXX. According, she files this complaint against M & T Bank. Additional details are attached.
|
| 06/16/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage company M & T Bank is currently giving me the run around. I am under the Covid 19 Forbearance program. I have asked on numerous occasions that I have various different options to pay back the forb payments. One of the options is a loan modification. I have asked on numerious times for a loan mod. The mortgage agents have told me I do not qualify, I do not qualify for a hamp mod because I have to have my mortgage with them for one year. Finally I called FHA and they told me that I do qualify for a HAMP MOD and I would qualify for a lower rate. So they gave me a case number XXXX. They told me to call M & T back and speak to a manager. Again I call and I finally thought I was making progress I get transferred to a female who said she was a manager and her name was XXXX she told me that I was right and that they never reached out to FHA to see what rate I would qualify for to get the loan mod. She told me that she would do everything possible to assist me and get with the loss mit team and contact FHA to resolve this matter she told me she would call me back in one week. Well today I get a call from M & T bank asking me if I decided on what options I wanted to do to repay the forb payments, when I asked about the manager calling me back and loan mod hamp she told me she did not see that anyone was scheduled to call me back, Again I am getting the run around. I need to file a law suit or take legal action and I need FHA to get involved ... ..I am not getting the assistance that they promised and I continue to be lied to ... ..and I believe that the agents are claiming to be managers but only pass me over to one of their co-workers which is misrepresenting their company. I want to see what I can do legally for M & T bank giving me the run around
|
| 09/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On Thursday XX/XX/23 I took a personal check made out in my name by my brother in law in the amount of XXXX XXXX to an M & T bank to deposit it in my checking account. This was after an attempt to wire the money from XXXX XXXX to M & T bank failed. I was told that due to the amount of the check, it needed to be verified and my brother in law + XXXX XXXX would be contacted to confirm the checks validity. I found out XX/XX/23 that the check was not processed and was told to reach out to the other bank to inquire. XXXX XXXX told my brother in law the transaction was good on their end and the issue was in the hands of M & T. Later that day I lost access to my online banking app and was told my account was on hold. My account was running low so I took another check made out by XXXX for my recently totaled vehicle to M & T only to find out that the Fraud department had my account locked and no transactions could be made. What made things worse was today on XX/XX/23 my direct deposit from work was sent to M & T and I had no access to that or any of my other balance. The customer service representatives said there was nothing they could do and the fraud department said nothing can happen until the investigation was completed which could take anywhere from XXXX days. I am not fortunate enough to be okay with thousands of my dollars being held from me without good reason. I have bills to pay, living expenses, child care expenses that are not being met and its infuriating and utterly ridiculous that I can not access my own money in the XXXX century. I understand there was an issue with the check between the banks, but the issue should have been solved between them. Not taken out on an unfortunate consumer who relies on his biweekly paychecks to make ends meet.
|
| 02/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I was using the ATM outside my banking institution. M and T Bank XXXX XXXX XXXX XXXX NY XXXX. I accidentally put cash in the check slot. Instead of sending the cash back out it ate my money. It also kept my ATM card. I had to go inside to get the card back and I thought they could just give me the cash back. However they said I would have to fill out a dispute and they would give me a provisional credit. I filled out paperwork I put in the dispute they gave me a provisional credit for the {$360.00}. Someone in the bank after I left changed the amount to {$260.00}. I never authourized the adjustment neither had they even completed and audit of the ATM. Some teller took it upon themselves to change the amount. I was livid I went back into the bank they refused to give me the paperwork or even who changed the amount. I can tell you this wasnt my finest hour. My husband had to drag me out of the bank as I was yelling and screaming. I went to another M and T Bank and spoke with a XXXX XXXX XXXX XXXX and showed her the paperwork. She put in an internal complaint because they should have never touched the provisional credit. She said they would put the {$100.00} back into my account. I asked her to please get the name of the person responsible. I looked into my account the next day and the {$100.00} was not in there I again called XXXX. She said to give it time I again asked for the tellers name who changed my provisional credit because I was going to file a complaint with the Federal Reserve Board and CFPB. Within an hour of saying I was going to file a complaint the Branch XXXX from XXXX NY XXXX XXXX XXXX called and said she was closing all 3 of my accounts of 25 years. I believe this was in direct retaliation for my filing complaints against this bank.
|
| 08/21/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
I have complained about M & T bank in the past. The prior complaint number they actually RESPONDED to was # XXXX that time, my complaint was they are not enough branches to service XXXX people XXXX XXXX XXXX XXXX who live in XXXX city. It was my understanding that banks should have branches in all neighborhoods, depending on both geography and racial mix. M & T is an utter failure in this regard.
To recap. In 2013, they closed the XXXX branch, located in Shoppers market. Shoppers had another bank, which M & T bought XXXX XXXX XXXX and within a year, they promptly closed every market branch.
This week, we went to OUR closest branch XXXX XXXX XXXX XXXX that is accessible by car, but not by a viable bus line. That branch was closed with no warning, no signs posted, just the sign saying the branch had moved to the XXXX Road. Let me point out that location is XXXX block from the XXXX XXXX line and another branch is located XXXX, on the same street, less than XXXX miles away.
They have also closed the XXXX branch ( all XXXX neighborhood ).
NO ATM 's have been added in our neighborhoods that accept check deposits, in spite of their lies to the contrary back in XXXX 2013.
I am XXXX years old, my mom is XXXX. Neither of us drive, so for them to blithely point to XXXXneighborhoods where we can do our banking is just not acceptable. Those banks are all readily accessible within a XXXX 15 minute car ride - but why do we have to leave OUR neighborhoods to find a branch? Why do we need to get a RIDE to access our bank? If you can ask them these questions, I would like to see the lies they come up with this time.
I do n't care if they sponsored the stadium. What I want is not to spend XXXX or more HOURS to get to the bank to deposit a check.
Thank you.
|
| 12/31/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
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We built our house in XXXX and we were paying our mortgage with no problem then my husband got sick and we had issues. Back in XXXX we missed a few payments of our mortgage and we tried to work with the mortgage company but they would not work with us. We went to a local company for help and went to a chapter XXXX. We couldn't afford the bankruptcy so we went to a chapter XXXX and our terrible attorney did not inform us that we could lose our car and property if we did not continue paying.
We have applied for 10 modifications with no resolution! Our mortgage company would not let us pay at that point. We hired many attorneys and then after paying a lot of money we were told we need to sue our mortgage company but we did not have the money to hire a litigator. Before the XXXX of XXXX we tried for one last modification which legally is supposed to stop the foreclosure and the sale of the house but of course this powerful bank has hold on our city and our house was to be sold at auction. No one showed up so the mortgage company assumed it. We stressed the fact that my husband has XXXX and is in treatment and still working so we do have income coming in. The company we hired said we need to sue the mortgage company but we are financially strapped with no means of help towards it. Now we have to be out of our home and the amount of money we have to spend to move we could put toward our mortgage! The mortgage company foreclosed on us so our credit is shot! Which means trying to find a place to live is very difficult! We have tried to reach out to every agency here in XXXX NY and no-one would help us!! We have been turned away from every housing agency here. They told us to hire an attorney which we can not afford! We are frustrated and angry!
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| 04/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is an attempt to collect money owed to me by M & T Bank who refuses to return funds back to me, which have satisfactorily been proven to belong to me. This misappropriation occurred immediately following the previous complaint to CFPB.
1. M & T Bank admit they had the money since XX/XX/2022. They did not quickly inform me of this. They did not immediately return it to me. They only brought it to my attention much later, when their computer kicked out an unapplied funds letter.
2. They admit they would not return it to me after XXXX stated it would be sent back. XXXX did not investigate any aspect of my account and in a demonstration of how much M & T is trying to keep these funds : - They took my money and made it a " payment to principal '' after saying they do not accept partial payments and AFTER I had been promised the money would be returned to me.
- They made no attempt to discover where the funds originated until the CFPB complaint - They returned the funds to a third party who has no right to my payments or any further responsibility for my mortgage.
3. They admit they returned it back to the originating loan company, XXXX XXXX on XX/XX/XXXX, instead of returning it to me as promised.
This can only be regarded as malicious retaliation since M & T is aware I have no account any longer with XXXX. How is it not illegal to give my money to someone else, when I should have them sent back, AS AGREED?
I demand that M & T Bank stop this deliberate attempt to prevent me from obtaining my money. Get my money back in the next 24 hours and overnight me a check. Legal action may follow shortly.
Please note - previous PDF response from M & T bank contains no attachments or any documents other than the actual letter of reply.
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| 03/17/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My wife and I were incarcerated between XX/XX/XXXX and XX/XX/XXXX. During that time someone broke into our locked filing cabinet and took all of our personal information, including social security cards, banking information, debit cards, vehicle titles, etc. They then proceeded to drain our checking account of roughly {$37000.00} within 20 days. A family friend of ours even called M & T Bank XX/XX/XXXX around XXXX p.m. in attempt to stop the fraud from continuing, but M & T Bank told him they couldn't do anything. M & T Bank 's fraud department says they do not consider it fraud because our PIN numbers had to be used on numerous transactions. I informed M & T Bank 's fraud department our locked filing cabinet was broken into and our PIN numbers must've been written down on the banking papers. They told us to submit a Victim 's Report from the state police involved in the case. We submitted the Victim 's Report and M & T Bank re-opened the case for only one day and then re-closed it. I also informed M & T Bank multiple credit cards have been opened in our names also and I've had to put our credit on freeze because of all the information that has been taken from us. After we submitted our fraud claim and went into M & T Bank to explain what happened and close out our savings account and recover whatever funds were left over, M & T Bank said they didn't want to bank with us any longer. They were basically warned and informed fraud was occurring to a faithful client that's been banking with them for years with no problems, did nothing about it, and then waited for the fraud victims to come into their bank just to tell them they aren't welcomed there anymore and they can't do anything about getting back the money that was taken fraudulently.
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| 03/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My wife and I were incarcerated between XX/XX/XXXX and XX/XX/XXXX. During that time someone broke into our locked filing cabinet and took all of our personal information, including social security cards, banking information, debit cards, vehicle titles, etc. They then proceeded to drain our checking account of roughly {$37000.00} within 20 days. A family friend of ours even called M & T Bank XX/XX/XXXX around XXXX p.m. in attempt to stop the fraud from continuing, but M & T Bank told him they couldn't do anything. M & T Bank 's fraud department says they do not consider it fraud because our PIN numbers had to be used on numerous transactions. I informed M & T Bank 's fraud department our locked filing cabinet was broken into and our PIN numbers must've been written down on the banking papers. They told us to submit a Victim 's Report from the state police involved in the case. We submitted the Victim 's Report and M & T Bank re-opened the case for only one day and then re-closed it. I also informed M & T Bank multiple credit cards have been opened in our names also and I've had to put our credit on freeze because of all the information that has been taken from us. After we submitted our fraud claim and went into M & T Bank to explain what happened and close out our savings account and recover whatever funds were left over, M & T Bank said they didn't want to bank with us any longer. They were basically warned and informed fraud was occurring to a faithful client that's been banking with them for years with no problems, did nothing about it, and then waited for the fraud victims to come into their bank just to tell them they aren't welcomed there anymore and they can't do anything about getting back the money that was taken fraudulently.
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| 01/18/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
Older American |
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I received a letter stating that my savings account has not been used in an unspecified period and the bank was going to have to turn the funds over to the state in 45 days if there was not activity or if I did not return the letter signed that I wanted to keep the account open. This savings account is linked to my checking account and only used as over draft protection. It is also part of my online banking.
When I went on line to move funds from checking to this savings account I found that this savings account was no longer listed on line. I then called M & T Customer Services and after a significant hold time the customer service rep said she could return the account to active via a hardcopy letter or electronically via XXXX. After multiple attempts to get XXXX to accept my ID the document was approved only to find out that M & T had move my account from dormant to another category that they have and they would only reactivate it after receiving the hardcopy letter.
Essentially they have frozen my funds via an M & T procedure. As I had been on the phone for 55 minutes I asked to speak to a supervisor. After 10 minutes of discussion the supervisor was no help and said that they would not reactivate the account electronically via a scanned document or XXXX or any other way except the hardcopy letter via US Mail. My funds are frozen. I could go to a M & T Bank that is 176 miles away but I am not sure that would help.
I do understand that inactive accounts must be turned over to the state after a specific period of inactivity but this was a linked account to a very active checking account. Also there was not reason to move the account to inactive and take it off the electronic system making it impossible for me to make a transaction.
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| 03/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I financed a car loan at my local car dealer. My source of funds were my XXXX XXXX Compensation and money/inheritance I receive from my mother. M & T Bank has XXXX profiled me. Closed my account due to a defamatory comment by XXXX against me. and Were talking to me about the XXXX XXXX XXXX. They also told me they would take action which to me meant they are working with Police on criminal charges. I will say its hard being a XXXX in America and I can not accept this inequitable treatment anymore. Consumer Finance Protection Bureau of Washington DC you are complacent. I have no accessibility to the car loan I have. M & T Bank even claims they are enforcing a generic Virginia law contract. Its so weird how banks believe they can oppress you- and you know they can because this has caused substantial damages that was overly burdensome more than most men can bear.
I disputed the interest charges from he last time I had accessibility to present time but my dispute has not been processed or responded to in writing. Today I paid {$880.00} on a car loan that I have no access to the loan number or what was charged and for what. I dont know interest rates interest charges per diems or anything since I am a XXXX in America . I just want to let you know that it is my Goal to have a Jury of my peers see the systematic XXXX XXXX XXXX for XXXX in the Financial System. This one is a little different though- this one is a liability, a loan, an obligation. What a sad state of affairs. We are in. CFPB ask them how many hours I had to be damaged to deal with this. This is a recurring problem of XXXX XXXX XXXX XXXX from the FInance System that has caused consequential damages to self which could be described as overly burdensome by the average person.
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| 02/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My wife filed bankruptcy in her name only. I received a letter regarding a loan that is in my name only stating that M & T bank put my account into bankruptcy status, they will stop my online access and stop reporting my payments to the credit bureaus unless I file a reaffirmation with the court.
I didnt file bankruptcy, my spouse is not on this loan, therefore I have no bankruptcy case to file reaffirmation with and the loan will not be discharged in my wifes bankruptcy case because this is not her debt. I still owe this debt. There is nothing to reaffirm.
The bank is saying that because someone used my address to file, they have to put my loan into bankruptcy status. This makes no sense. If she had used my neighbors address to file, would the neighbors loan go into bankruptcy status??? I have offered to send them a copy of the bankruptcy petition to prove that this loan is not on the petition and not being discharged. They dont care.
They have put me in a situation that I cant legally or logically resolve. If I do not compete the reaffirmation, they will damage my credit, but reaffirmation is to be filed in a bankruptcy case for a loan that has been discharged. I HAVE NO BANKRUPTCY CASE TO FILE IN AND THIS LOAN HAS NOT BEEN DISCHARGED. I still am responsible for this loan the same as the day before my wife filed. The only way I can complete reaffirmation is if I myself file bankruptcy and get the loan discharged. They dont seem to understand that one needs to happen for the other to be possible. I did not file bankruptcy and this loan has not been discharged.
They have no instructions on how to file a reaffirmation when you havent filed bankruptcy and why it is required to reaffirm a loan you are still responsible for.
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| 04/10/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I online deposited 2 checks on XX/XX/2020, into my M & T account in the amount of {$240.00} and {$1000.00}, the checks where from FTC v. XXXX XXXX. When I deposited the checks I didn't notice that they had expired, the next morning I contacted the bank Customer Service department to stop the process, I was told to go to a branch location and I did. I went to the branch location the same day and spoke with XXXX XXXX she said that she couldn't stop the process I would have to wait until it was returned and send the checks back and ask them to replace the checks. I sent both checks back to the company asking them for replacements, I then contacted FTC v. XXXX on XX/XX/2020, to see if they received my request and they stated yes, however they would not be issuing replacements because they honored both checks and they cleared on XX/XX/2020. I again contacted M & T Bank letting them know what was told to me by FTC and they said yes it cleared but they were not releasing the funds to me because FTC could ask to the money back and that this could take up to one year for them to release my funds, I needed to get a statement from the company stating that they are not going to ask for the money back and a copy of the cleared check. I then sent another letter on XX/XX/2020, to FTC v. XXXX XXXX requesting a letter stating that they were not going to ask for the money back and a copy of the canceled checks. To date, I have not received any funds and no solution. My M & T online bank account has been inactive since XX/XX/2020, and I don't have any access to my accounts and they sent one on my bill payments back to the company stating that my account was frozen. I have not received a statement since XXXX because I viewed my statement online.
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| 01/28/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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To Whom It May Concern : Since XXXX XXXX XXXX XXXX XXXX XXXX ) a government organization has been contributing {$79.00} every XXXX weeks, which is XXXX a month to my Home Equity Line of Credit Account.
Those payments from XXXX have not been accredited to my account for payment. I told them their payments sent to M & T bank are not being accredited to my account, so where are the funds/payments?
In addition, M & T bank has also been receiving monthly payments from me, and month after month my Home Equity line of credit account balance remains the same, even though, technically they been receiving XXXX payments every month for a year to the account ending in XXXX. Ive been making payments on my Home Equity Line of Credit account for almost XXXX years, and my balance owed remains the same. I dont believe any of my payments in last XXXX years have ever been accredited to my account.
These payments were made my Home Equity Line of Credit account to M & T bank ending in XXXX : XXXX XXXX XXXX XXXX Cashed in the of amount - {$1900.00} XXXX Online Payment XXXX To M & T Home Equity - {$170.00} XXXX Online Payment XXXX To M & T XXXX XXXX - {$170.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$210.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$210.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$200.00} I also have proof of other unscrupulous practices, such as, demanding that I pay them extra payments on my account that was up to date in payments which as unwarranted ; demanding payments and wanting me to notarize a supposedly official documents sent by someone with no last name ( i.e., XXXX XXXX XXXX ; this went on for months.
I would appreciate your help with this matter.
Thank you, XXXX XXXX
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| 10/14/2021 |
Yes |
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- Trouble during payment process
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Web |
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This company has a serious issue with bullying, retaliation and straight up lying to governing bodies.
I have been reporting them to multiple agencies, multiple times for their behavior and they continue to lie and can not provide any documented evidence that they're claiming is the cause of their actions.
After this private company decided as a business to use taxpayer funded dollars by calling the SDPD on me - while I had told them for a month I was out of the country- they have done nothing to rectify the situation.
They have cost me $ XXXX in refi savings by " accidentally '' marking me late with payments during forbearance.
I then worked with HUD to force them to offer me the CARES Act forbearance plan. It was good for 1 month, with agreed and signed contract that all the forbearance/ecrow debt would be added to the end of the term/lump sum lien that could be paid on refi.
Today, they sent a threatening letter about insurance that I had already told them I had paid in full for the year while in the forbearance exit process. And today I went to check my statement and they increased my monthly payment by almost {$700.00} to " spread out '' the forbearance escrow payments.
They completely went against the CARES Act and the contract WE JUST SIGNED AND SUBMITTED.
This company needs to XXXX burn to the ground. Why are they continually harassing us, costing us $ XXXX, destroying my credit for " errors '' and completely changing the payments that we just signed a contract about!
At this point, CFPB, and other governing bodies- this is your responsibility. You allow these people to operate like this.
What in the world are homeowners expected to do in this situation? How much of this are we expected to take?
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| 06/02/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I HAVE JUST REFINANCED A COMMERICAL PROPERTY THAT I PURCHASED TWELVE YEARS AGO. I HAD A MORTGAGE ON THIS PROPERTY WITH XXXX BANK, THEY LATER SOLD MY MORTGAGE TO M & T BANK. AT THE TIME M & T BANK PURCHASED MY MORTGAGE FROM XXXX BANK M & T BANK CHARGED MY MORTGAGE ACCOUNT WITH A TRANSFER FEE OF {$400.00}, WHICH I HAVE CONTESTED THIS CHARGE FROM THE DAY APPLIED TO MY ACCOUNT. ON XXXX/XXXX/2015 I REQUESTED A PAYOFF ON THIS LOAN, PER M & T BANKS INSTRUCTIONS I FAXED THE REQUEST FOR THE PAYOFF WITH MY SIGNITURE. I WAS ADVISED BY THEIR PAYOFF DEPARTMENT I WOULD RECEIVE THE PAYOFF AMOUNT WITHIN 24 HOURS AFTER RECEIVING MY FAX. AFTER FIVE BUSINESS DAYS AND XXXX LENGTHY CALL THEIR PAYOFF DEPARTMENT I RECIEVED THE PAYOFF FIGURES THAT I REQUESTED. ON XXXX/XXXX/2015 WHEN I CONTACTED M & T I WAS NOT AT ANY TIME DURING THIS FIVE DAY AFAIR THAT THERE WOULD BE ANY SPECIAL FEES.
WHEN I MADE MY REQUEST ON XXXX/XXXX/2015 FOR THE PAYOFF I INFORMED THE BANK THAT I HAD A CLOSING AT XXXX XXXX/XXXX/2015. I DID NOT RECEIVE THE PAYOFF UNTIL XXXX PM XXXX/XXXX/2015 AT WHICH TIME IT DISCLOSED THE SPECIAL FEES THAT HAD BEEN APPLIED TO THE PAYOFF ON THIS LOAN. THE {$400.00} CHARGE THAT I HAD DISPUTED, A {$770.00} " 60 DAY NOTICE FEE?? ", {$290.00} RELEASE FEE, {$100.00} A PAYOFF LETTER FEE. THE TOTAL ADDITIONAL CHARGES FOR {$1400.00} I WAS FORCED INTO PAYING IF I WISHED TO CLOSE THIS LOAN I HAD NO OTHER OPTION. I HAVE BEEN PAYING M & TBANK 7.5 % WITHOUT THE OPTION TO REFINANCE WITH THEIR BANK. MY LOCAL BANK PROVIDE A XXXX XXXX RATE ON THE REFINANCE. MY ATTORNEY WHO IS IN HIS XXXX YEAR IN HIS PRACTICE, THE FINANCE OFFICER THAT PROVIDED THE LOAN HAD NEVER CLOSED A LOAN WITH SUCH UNRESONIBLE PAYOFF CHARGES. AS THE CONSUMER DO I HAVE ANY LEGAL RECOURSE?
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| 12/23/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Company closed your account
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|
Web |
Older American |
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We opened a CD using the funds from our existing joint trust account at M & T Bank. The joint trust was set up and there is no issue with it as per the branch manager. A month later we receive a form letter signed by the local branch manager that they are closing our account. We later found out it was only the CD being closed. When I talked to the branch manager, she was unaware of the letter, and she had not seen or signed it. Over the next few weeks, we provided the branch manager with whatever information she requested. She claimed she was working with her back office to resolve the issue. She claimed that M & T has a different way of doing accounts and the people in her branch set it up wrong due to a lack of experience and training. The bank had possession of all the trust document information from our existing account and there is no issue with it. The funds for the CD came from that account. The letter stated if we took no action the account would be closed, but we were very active with working with the branch manager to resolve the issue. Last week we noticed the funds for the CD ( {$100000.00} ) had been removed from our online account. This alarmed my wife and she tried to contact the branch manager who was not available with time off. She sent through an email to the branch manager, and it was answered two days later stating she had escalated this to senior management. The next day she called back and informed my wife the account was closed by corporate, and the money removed without our authorization. She said a check was being put in the mail to my home address. This seems to be a poor way to handle my money and the lack of being customer focused when the issue was their mistake in setting up the account.
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| 04/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint is against M & T Bank. At the beginning of XX/XX/2023 I contacted M & T Bank to let them know that I am paying the insurance in full as it is the only way to get the policy in place. I explained to M & T that they do not need to send the check to me for the insurance as it's paid and to send it to me. Of course they did not listen and sent the check. I went back and forth with them to get my money but made no progress. A year later, I was refunded my {$4900.00}. Not everyone can go a year without having that much money and there is an opportunity cost lost for me.
This year, 2023, they did not pay the insurance in time. The insurer, Reinsure, charged my credit card on XX/XX/2023 in the amount of {$4800.00} so that we were not left uninsured. My insurance agent has been going back and forth with M & T since then. M & T continues not to follow instructions and has mailed the payment wrong 3 times now. I got back {$4000.00} on XX/XX/2023 so I was still owed {$810.00}. Then on XX/XX/2023 my credit card was charged {$410.00} because in order to maintain the policy they had to charge that so now I am owed {$1200.00}.
I contacted M & T through email on XX/XX/2023. Their response is not what took place. They included a number to call to help get it fixed but the automated commands sent me in circles and I could not get someone on the line. I asked them to have someone contact me directly and on XX/XX/2023 they said they would have someone contact me. No one has contacted me.
I am in the mortgage business so I know I am not the only one who has had this issue as we sell some of our loans to M & T Bank. I can share the email communication with my insurance agent to support everything I have included above.
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| 08/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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On XX/XX/2022 I had signed up for autopay with M & T bank after receiving a popup urging me to do so. After doing so, the option to make a manual monthly payment had gone away, so I searched the page to make sure that my payment would still get drafted on time. I Received a letter from M & T about a month and a half later stating that my payments had not been made, and immediately made the payments. ( Including the incurred late fees ) By this time XXXX payments should have been automatically drafted. Today, XX/XX/2022 I reached out to M & T bank because I noticed that it had affected my XXXX XXXX severely. They had admitted that the Autopay was not working as it should have. I had let them know that my credit should not be affected by their faulty system. I had already payed the late fees, and had not asked to be reimbursed for them, just for my credit to be fixed. They stated that they had sent a uncertified letter stating the date that the autopay would take effect, and so they will not help me by fixing the credit reporting despite the fact that I had never received the letter in the mail, and even if I had, it still wouldn't change the fact that this was caused by a faulty system, However the banker I was speaking to stonewalled me and just continued stating that they were not going to help me. I have never been late on a payment for this or any of my other loans, and I feel like the only reason that they don't want to assist me with this is that they can not be bothered to clean up their own mess. This is the second time that I have gone through an issue like this. The last time They had dropped my insurance payments from my escrow without letting me know, which led to my homeowners policy being cancelled.
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| 08/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I just completed a 5 year bankruptcy with M & T Bank. It has been a complete and utter nightmare! Though my payments have not always been on time, they are being made. Since XXXX i have been having trouble with the bankruptcy department giving me correct information and breakdown. I always asked before paying my payment which month it is being added to because i know it is a recorded line and the next time i would call funds would be applied to a separate month and i would have to file a complaint and they would look into it and of course i would end up paying extra money. Now, i have been keeping records and in XXXX they sent me a breakdown of what was owed and i sent a check. Every month i would have to send a check via UPS ( as per their request because they would not let me make payments over the phone ) since it was the end of my bankruptcy and my account was in " suspense '' i kept track of every check in 2020 and in XXXX i sent two checks one for XXXX one for XXXX. M & T Bank held one of the checks in suspense and when i asked for the funds to be applied in XXXX & XXXX, finally in XXXX they applied the funds to XXXX. Now they are claiming i owe for two months and i filed a complaint with back-up documentation including a breakdown that was sent from their lawyer to my lawyer and the representative is still arguing with me telling me im incorrect. I have made monthly payments, lawyer payments, suspense payments and i should be due for my XXXX mortgage payment. I have attached all of the recent payments made and the breakdown sent to my lawyer from M & T bank. I am petrified they are actively trying to foreclose on my home! Please help. i can answer any and all questions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/16/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
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Web |
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In XXXX we received a letter to refresh our account from M & T Bank. On XX/XX/XXXX my husband and I went to the bank sat down with the bank manager. She took both our licenses did a lot of typing on her end handed back the letter and our licenses and say we were good. On XX/XX/XXXX the bank closed my savings and checking. I immediately called the bank which the girl accused my husband of closing the account and taking the money. I told her she was incorrect. She told me to go to the bank. My husband and I met at M & T Bank XXXX XXXX XXXX XXXX. They could not help us because as they were trying they lost power. Later in the afternoon they called to tell me the bank closed our account. I said this was unacceptable at which time I was told I had to call the consumer line to discuss with them because the branch could not do anything. I called Spoke to a supervisor who said give her 24 hours. I called again this morning. XXXX the supervisor said she told me 24 hours and she would call me back and 6 different departments were trying to recreate the account. I was also told they saw in XXXX that I refreshed the acct but my husband did not. 24 hours passed no call. I called they said the account is closed checks is in the mail takes 10 days and nothing about recreating account. They bank was 100 % at fault if the look back on security cameras for XXXX they will see me and my husband together. They are a bank give me my money back immediately in a cashiers check or new account. I have no bank account, no money and already get notifications about payments that did not go thru to pay bills. The bank just points to each other and not helpful or taking responsibility. This is criminal that a bank can do this to anyone.
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| 05/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
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On XXXX XXXX XXXX I telephoned M & T B ank and requested that an ACH stop payment order be placed on any transactions from XXXX ( XXXX ). A week later I received a letter from M & T Bank notifying me that on XXXX XXXX XXXX , a stop payment order was issued by M & T B ank for and ACH from XXXX ( XXXX ) On XXXX XXXX XXXX , I checked my online web banking bank account register and noticed an ACH debit from XXXX for the amount of {$1100.00}. I immediately telephoned XXXX XXXX XXXX XXXX customer service and informed the person who answered my telephone call that Crossroads Financial had debited {$110000.00} from my checking account on XXXX XXXX XXXX and that I had an ACH stop payment order in effect since XXXX XXXX XXXX for XXXX ACH. The customer service person whom I was speaking to then asked me to hold a few minutes while she could investigate my problem. A few minutes later, the M & T Bank customer service person came back on line and informed me that : '' a stop ACH o rder goes into affec t 24 hours afte r the amount is debited from my bank account. '' Really?? That is a bunch of garbage, I have a stop ACH order against a company called XXXX and since that order went into affect on X/X/2017 , no money from XXXX has ever been debited from my checking account. This is just another example of the utterly inconceivable computer programming mess existing at M & T Bank. The M & T Bank co mputer banking software is hopeless stuck in the 1980s instead of being written for the 21st century. It is also a perfect example of M & T Bank customer service representatives not knowing what they are talking about.
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| 07/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I paid my XXXX XXXX, 2017 mortgage payment by mail using the enclosed mortgage coupon and my check. On XXXX XXXX, 2017 I closed on this property using a title company and contacted the mortgage company prior to the closing date to get a payoff amount. I did not have any problems with my account at that time. I have been waiting to get my escrow distribution check back from them and finally called to see what was going on. I was told by the mortgage company that the check had been mailed to my new address, and I had not changed my address so I asked to have the check resent to the correct address ( thinking it was the property address ), and when they verified my address of a South Carolina address, I was asked how did that change I did not change it nor move. I was told by the mortgage company that my address had been changed on the mortgage coupon slip. The mortgage coupon slip I mailed using the us mail service. So I inquired more, and I have now asked for the copy of the coupon used to see the change of address and they do n't have it. I did receive the check from them, In the wrong name with the wrong address, so now I am just waiting for the corrected check from them. This is not the first time I have had to correct information with this particular company. Since I was assigned the mortgage my address has been changed twice, my escrow funds have not been paid properly. They have paid companies that I was no longer with even after a phone call telling them not to pay. They over paid my taxes, under paid my insurance, shorted my escrow account and then would n't refund the surplus. I am glad I do n't have to deal with them anymore, but other people should n't have to go through what I went through.
|
| 12/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
M and T Bank Mortgage department There is no number where you can call and speak to a human. Callers are referred to the web site which doers not help with my issue. I have tried calling the bank repeatedly, but no one answers.
In XX/XX/2022 we were notified that our house payment would increase because the mortgage company was requiring flood insurance so they bought a policy for us WITHOUT our knowledge. Their new policy was {$620.00}. No one called us or contacted us in any way! We already had flood insurance on the house I emailed a copy of the declarations page on XX/XX/2022. The refund went to our escrow account.
On XX/XX/2022 an electronic payment was, made to XXXX, to pay the house insurance. It was paid in full for the year for a total cost of {$3000.00} My insurance agent confirmed the payment was linked to the mortgage we had with M and T bank.
On XX/XX/XXXX, again with out consulting us M and T bank purchased a second home owners policy for over {$3000.00}. The new policy was with XXXX XXXX which charges a much higher rate. Again, It was bought WITHOUT our knowledge. I do notknow what this policy covers, We have received NO letters, phone calls. There was no notice.
On XX/XX/2022, we received a letter from M and T mortgage Department telling us they had bought home owners policy with XXXX XXXX and to cancel our XXXX policy.
I called XXXX XXXX insurance, and their is no home owner 's policy for our home address or under our names.
I tried to update our information, but I get the run around. No one answers the phone. Our escrow account is minus over XXXX because this policy they supposedly bought. I do not know how property taxes will be paid since we have a negative balance.
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| 08/04/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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The name of the bank is MT Bank. They don't provide assistance and most of them are rude. I spoke to them since XX/XX/XXXX. One of the initial letters mentioned that there was assistance for those who were affected by Covid 19. Three options. One adding the missed payments to the end of the loan. Loan Modification and the last one I don't remember. there customer service told me that even though my loan is backed up with an FHA loan I needed to ask them for help not them. They have an online request for Covid 19 assistance and she flat out told me that I didn't qualify. Do you know what forbearance is she said you clearly don't know. I had to call each month to make a payment bc they don't allow any transactions. After my third call they changed it and had to explain my account is in forbearance. Yes they are bill collectors and act like one. I was asking them for assistance only bc my husband is furlough and we need help. We made payments up to XXXX. I had to ask for loans bc Mt Bank didn't want to help us out. We don't qualify for anything it seems. they don't work with me only telling me to wait for a loan modification if I qualify. Others around me my neighbors have FHA loans and they moved 3 to 6 missed payments to their mortgage balance. MT Bank doesn't do that. I just had a call yesterday and there was no message left.
My husband is out of a job so its frustrating using all our savings bc were too afraid of MT Bank. They don't want to help us at all. You don't qualify for nothing. While other banks with FHA loans are sensitive and don't play with you or make you feel like an XXXX. My loan is an FHA loan and I don't feel protected and feel that MT Bank could help more. Can someone assist me?
|
| 09/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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On Friday, XX/XX/2022, I tried to access my People 's United account, which was to transition to M & T Bank over the weekend. I could not gain access. I decided to wait until Tuesday, after the three-day holiday weekend, to try. On Tuesday, XX/XX/XXXX, I did gain access to my account, now with M & T Bank, but the one account -- a guardianship account into which my son 's SSDI payment is deposited -- did not appear on the drop-down menu. This made it impossible for me to transfer his SSDI payment to the account from which all his bills are paid. I tried XXXX times before noon on XX/XX/XXXX to reach the bank, but only got a three-second message saying that the bank 's system was overwhelmed and they were unable to help me at this time. The phone then disconnected.
When I tried again closer to noon, I received a different message from M & T asking for my 10-digit phone number so the bank could reach me in four hours -- the promised wait time. Close to XXXX XXXX ( more than nine hours later ) I received a call from a telemarketing firm hired to call promised callbacks and apologize. That was it. Just an apology and a phone number to call in the morning.
First thing Wednesday ( XX/XX/XXXX ) morning, I phoned and got the original three-second message and a disconnect. I tried two more times with the same result. At XXXX XXXX, XX/XX/XXXX I got a different message and was on hold for more than 30 minutes before I had to go to a meeting and hung up.
I left a message, too, on the " Message '' option on M & T Bank 's webpage for my account on XX/XX/XXXX. As of XX/XX/2022, I have had no response. Finally, my husband went to our local bank branch on Thursday, XX/XX/XXXX, and made the transfer manually.
|
| 03/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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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!
|
| 06/29/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
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My complaint is mainly against M & T Bank 's Loan Officer XXXX XXXX and the team he utilized to work on my home mortgage loan. In Exhibit A, the bulk of my complaint/concerns are outlined in chronological order. To date ( XX/XX/XXXX ), I have not received an apology nor an explanation or answers as to why everything fell apart at the end and why the cost of their neglect fell on me.
M & T violated the three-day closing rule : if the final CD is changed then closing has to be pushed back three days. M & T issued a final CD on XXXX/XXXX/XXXX with closing of {$1300.00} for settlement date of XXXX/XXXX/XXXX, then changed the dollar amount the morning of XX/XX/XXXX when they noticed that they missed the processing fee ( initially {$700.00} then revise the morning of closing to {$310.00} ) for XXXX and added it ( which meant settlement [ per regulation ] should have been rescheduled for XX/XX/XXXX to give the three day change ). The contract extension ended on XXXX/XXXX/XXXX and a new extension had not been sign ( nor was possible to get signed and on the books to push closing back again ; the home was still at risk for foreclosure and an extension would have meant starting the entire process all over again with the short sale approval from the seller 's bank ). It 's inexcusable and neglectful that the M & T loan officers/underwriters were not paying attention and doing their jobs which led to missing the processing fee and then trying to tack it on at the last minute. M & T needs to assume responsibility of the XXXX processing fee and reimburse the full amount that they neglected to add when it was first noted on the XXXX/XXXX/XXXX CD from XXXX.
( The full complaint will be attached in a PDF. )
|
| 10/11/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
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My husband and I have been with M & T bank since they came to our area. We are deeply in debt, but have NEVER missed a payment. I was laid off XX/XX/XXXX and lost my Health Insurance.I then learned I need a new hip. I had to quit my job. While I have found a XXXX % discount on the Hospital bill, it will still be around {$10000.00}. ( Sorry about this info, it just explains our current situation. Our savings are gone. My husband 's XXXX is gone. We have figured out a way to regroup, but we need a couple months. In the course of communicating with M & T bank since XX/XX/XXXX, I have made 9 phone calls. I have gotten Numerous different responses about re-aging two months payments on our Home Equity Line of Credit payment. These calls are all recorded by them. I learned that it 's possible to get Two months payments re-aged. However we can only get one month. I asked why and was told by various people that XX/XX/XXXX payment did n't count, then that XXXX 's did n't count and finally today that XX/XX/XXXX does n't count. I want to know why we ca n't get two months re-aged. Mind you, we have Never missed a payment until now. I asked to speak to the Supervisor, XXXX XXXX I was told I was being transferred to her. Surprise, Surprise - I got her voice mail. I have been trying to deal with this since XX/XX/XXXX. I know we are n't important as customers and that it 's all about money. If I can only get One month re-aged, I at least deserve a clear and coherent answer as to why. Why are they doing this to us? They really do n't want our house. I 'm not a stupid person. I 've never been jacked around so badly in my life. This is hard enough to deal with without such nonsense. I truly hope you can help me.
|
| 01/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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I have spent 2 hours typing this and this webpage just reset itself and your upload wont let me upload so I cant send everything through upload. I will send everything thought the document upload. M & T did not change my account like I asked to have done before I went in for XXXX. I was never informed of there being 2 different free checking accounts and neither was my husband when he went into change his account and our joint account before his XXXX. Because M & T Banks associate was either neglectful or the associate or M & T was extremely deceitful. M & T bank says oops were sorry its a misunderstanding. A misunderstanding where I lost a lot and they gained it. M & T was not up front about their account types or explained what changes were made when my husband changed over the 2 accounts. My husband was unaware that the 2 accounts had been changed to a completely new account type. I am sorry if this doesnt make a lot of sense. I am trying to be fast because the website resets and clears everything and I have to start over and the upload wont let me upload. Only update since that is M & T Bank completely wiped out all the money my husband had put in there for bills. When my husband went to talk to them they pretty much told him ol well we can do what we want If XXXX name is on it. Really? This account has been being disputed since XX/XX/19. Now M & T has taken every account that has my name on it into the negative. They didnt even leave money in the joint to cover the pending transaction. I am guessing every account in my name is in the negative because I have been fighting this since XX/XX/19 and Im not sure who can help me so Im sending it everywhere. M & T has now stolen $ XXXX from us.
|
| 11/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
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In XX/XX/XXXX, I enrolled in Auto Pay on my Mortgage and to be paid on the XXXX of each month. On Sunday, XX/XX/XXXX, I signed into my online portal to confirm my payment was processing and I did not see a payment pending ( i.e. scheduled ) nor did I see anything processing in the portal. The only thing I saw was the next Auto Pay date was scheduled for XX/XX/XXXX. Due to it being a XXXX weekend, I decided to wait until Monday ( XX/XX/XXXX ) to see once the systems refresh if it will reflect the auto pay. On Monday, XX/XX/XXXX, I signed on and again, did not see a scheduled payment for XXXX nor did I see a payment in process so I manually scheduled a payment on XX/XX/XXXX to be paid on XX/XX/XXXX. As the day progressed, I felt uneasy and that a double payment was occurring, so I later went in and canceled my manual payment. After I canceled and received a confirmation of cancellation, when the site refreshed, it showed two payments had now been posted. I called and emailed customer service and they stated there was a site glitch and the payment had been successfully canceled however, obviously, it was not because everything in the portal was showing that two payments were being applied. Nevertheless, to keep this short, due to a site glitch, M & T bank ended up debiting me for two ( 2 ) mortgage payments for the month of XXXX. This was allegedly escalated for further research but I still have not heard back from the company as to what happened and why they debited my account twice. Furthermore, what if I lived paycheck to paycheck, this error made on the bank 's behalf can devastate a Consumer. I want the CFPB to investigate and make sure M & T Bank provides a response to this inqurity.
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I purchased my first home in XXXX of XXXX. 3 weeks after purchasing my home, I was put on furlough through my employer and my hours were cut in half. Unfortunately, I did not qualify for unemployment because I made to much ( even though my income had been cut in half and all of my bills stayed the same ).
I contacted XXXX and they offered to defer the payments, but I knew I could make them ... it just may take a little longer than the 30 days you are given.
I have made every single payment on my home. Whenever I got a stimulus check I put every dime toward my house payment.
Unfortunately, M & T bank took over my loan and even though I was told I would not have any " late payment '' marks on my credit & there would be no fees for the late payments as long as they were made, I now have 7 late payments ( one of which is for XX/XX/XXXX and that payment has been paid ).
My credit score has dropped over 150 points just from those remarks and they have charged me over {$500.00} in fees.
Over the last year, every single payment and late fee has been paid. I will gladly pay the late fee, as a courtesy since I was in fact late. I have spoken to several people at M & T and all refuse to help me with the late fee remarks on my credit. I shouldn't have my credit ruined when half the world was able to go without paying their bills at all ... and the WHOLE world was in the middle of a pandemic.
I would really appreciate it if M & T mortgage would take off all of the 7 late payments they marked on my credit so that I can work toward rebuilding what covid has messed up. I will no longer have any late payments ( I have since returned to work, all payments are current and will stay that way ).
|
| 09/22/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
When Covid-19 started I ended up being out of work for 6 months. We kept paying the full amount of our mortgage ( $ XXXX/month ). Once it got to the point we couldn't pay our mortgage ( 3 months later ) we were put into forbearance for our mortgage. I wasn't able to pay mortgage for 3 months but once I started working again we immediately called and told M & T Bank that we will be able to start paying our mortgage again. M & T Bank told my wife that we would only have to pay {$1300.00} since we could start paying. We told M & T that I work overseas a lot therefore my wife has a General POA to handle anything that comes up. That means banking, car issues, mortgage, and our kids. For the past 6 months mybwife has been calling M & T to pay our mortgage and they have been taking {$1300.00}. Just within the last month we have been informed that the POA isn't acceptable and we are XXXX behind in payments. I understand the 3 months we couldn't pay. The XXXX is apparently the rest of the original mortgage payment that M & T has not been pulling from my account every time we have payed and I'm guessing late fees.
I have tried to work with M & T to get the exact wording for the POA but M & T refuses to give me the wording. When I ask for a letter explaining why they decided to only pull out {$1300.00} for my mortgage payment instead of the original amount I am told to refer to my statement for answers which doesn't address my request at all. The behind payments are because of faulty information that M & T has been using and since I have been paying the asked for amount ( automatically withdraw from my account BY M & T ) there has been no breach or lack of payment as M & T wants to portray.
|
| 08/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
My checking account at M & T Bank showed an unauthorized international ATM charge for {$290.00} and an International Fee of {$8.00} dated XX/XX/XXXX. I did not authorize or make this ATM transaction. I did not give out my pin. I had my ATM card with me at all times. There is only 1 ATM card for this account. I submitted a Claim ( M & T claim # XXXX ), by phone, to M & T on XX/XX/XXXX stating all this. On XX/XX/XXXX M & T sent me a letter saying they denied my claim. Further, they stated : " The information and any documents we relied upon in connection with our investigation are available upon request. '' I have requested this information 5 times - 2 separate letters ( XX/XX/XXXX and XX/XX/XXXX ), 2 phone calls ( XX/XX/XXXX and XX/XX/XXXX ) and one interaction ( XX/XX/XXXX ) with Mr. XXXX XXXX, Senior Relationship Manager - XXXX, NY branch of M & T Bank. None of these 5 requests have resulted in any action by M & T. They have completely ignored my 5 requests. I can prove, with receipts during my travels on XX/XX/XXXX where I was. I need the bank to do one of two things : Either send me the evidence ( country, city, address, local currency, time of ATM transaction ) OR admit they have no evidence and send me a check for {$290.00}. Please note that this fraudulent charge on XXXX/XXXX/XXXX is part of a continued hacking attack on my checking account. In total I have had 19 fraudulent attacks. M & T has honored all my claims of fraud with this one exception. Clearly my account was hacked. Clearly M & T knows this. I need the evidence from the XXXX/XXXX/XXXX ATM transaction. And, I have now pulled all the money out of this account and I have closed the account. End of statement.
|
| 01/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
M & T Mortgage Account ( through XXXX XXXX XXXX XXXX M & T Bank started collecting a property tax escrow, in error, for my parcel number and an unrelated parcel number starting XXXX and, despite several days of phone calls over the last XXXX months trying to rectify the situation, M & T Bank continues to claim the error is being worked on and refuses to correct the substantially higher monthly mortgage payment required which is now 3 days in arrears. M & T Bank also refuses provide their council information or an employee contact for my attorney.
M & T Bank 's escrow error was noticed after receiving an M & T Escrow Update Letter in the mail XXXX. M & T Bank was contacted shortly after reviewing the actual tax amount on the XXXX XXXX XXXX XXXX XXXX website and after a further review of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have on file.
My annual taxes are currently {$2000.00} per year for my parcel # My annual insurance is {$1000.00} per year for my parcel # The first PITI payments for mortgage starting XXXX ( before recent escrow adjustment ) were {$3100.00}. The actual mortgage payment due XXXX, with correct escrow adjustment is {$3100.00}, an increase of {$15.00} per month.
M & T Bank has raised the mortgage payment to {$3300.00}, which includes taxes for a parcel number I am not responsible for, an increase of {$280.00} per month.
I've been passed around from XXXX department to the next and to no avail, M & T Bank is not fixing the problem and I'm not only at risk of going into default but ruining my credit if the inflated payment is not made to M & T Bank.
This is extortion and reason for contacting the Consumer Financial Protection Bureau.
Please help.
|
| 04/05/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX, My husband and I called M & T Bank advising to inquire about options for families impacted by covid. The first representative very blatantly lied when we asked her what Covid options were available. The representative rudely told us that there were no options available for us. I checked the mail and received a notice from M & T Bank. I called back immediately on the same day. ( XX/XX/30 ). I told the young lady that we'd called early and the person on the phone told me that no COVID options were available for me. The new representative apologized and stated that she found no options. We asked the new rep what options were available, and she stated that Covid options had ended earlier in the month. ( XX/XX/XXXX, I believe ). We went through a financial interview so they could provide us with a package to see what options were available to us. It was a detailed interview as she inquired about several of my credit accounts. She offered no such COVID options. When we called today to make a payment, we were informed that we could only make a payment for two months and that they could only take the two months if we could tell them when they'd receive the 3rd payment. We went through a series of questions. The young lady today mentioned to us that we had covid options available.
While I can not be sure, this feels like XXXXXXXX XXXX. We do not have a recent history of non-payment and did not take any concessions during the height of the pandemic. The first two reps discounted what we told them. The 3rd representative attempted to counsel us through a process for repayment despite us telling her we were not unemployed ; we'd just experienced a bout with XXXX
|
| 06/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I came into a XXXX XXXX car dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX. He assured me this was the process. Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , M & T Bank ) without my permission. These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.
My personal information including credit history, social security number, and income was shared without my permission. This needs to be fixed asap.
|
| 01/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
There are 3 people on the loan ( XXXX, XXXX, and XXXX XXXX. My sister XXXX XXXX XXXX started to make payments for us in XX/XX/XXXX due to financial difficulties.
We applied for the forbearance program back in XX/XX/XXXX due to COVID. XXXX lived in a different state and when she came home and noticed that the payments were not being applied as requested, we requested the forbearance program again about XX/XX/XXXX. We received confirmation that forbearance program began XX/XX/XXXX.
We paid {$13000.00} during fiscal year XXXX and the amount due including principal and interest for the fiscal year is {$14000.00} - note that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was not due, due to the forbearance which amounts to {$3700.00}.
We filed a complaint previously w/the CFPB previously and M & T noted that XXXX is not an authorized 3rd party when she is a loan holder and CFPB closed the case. We called M & T mortgage and they said the person reviewing the file had to go to a second screen. It is very frustrating.
To give credit, after the complaint was filed M & T did apply some of the payments towards the principal but now have a {$74000.00} payment unpaid for XXXX. I'm not sure how this was done but now our credit score is negatively impacted even though the forbearance program is not supposed to have any negative impact on your credit.
I have been on the call w/M & T mortgage for literally XXXX to discuss this just today alone which ended up either in a disconnect or a hang up. CFPB was not that much helpful when I called after my frustration that I am in fact on the loan and their response that I am not an authorized 3rd party is XXXX - excuse my language.
|
| 09/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
Received Debit card in mail from M & T Bank over weekend tied to an unknown checking account ending XXXX. Contacted M & T Tuesday morning, XX/XX/XXXX and was transferred to their Fraud division. Per their request provided them with debit card number, and gave them last four digits of CHK account number of XXXX which was on the form with the new Debit card. Informed them that I had NOT opened up an account with their bank and did not want this card activated. XXXX in the Fraud division said that he would close the account immediately. But he also needed MY personal info to authenticate that I was ME. Provided my mailing address. He also needed my social security number and birthdate. Gave him last four digits of my social security number, and while extremely reluctant to share, he also needed my birthdate. In order for him to give me more additional information, I had no choice, and in fact he said that all of my personal data was used to open the account. He confirmed there was {$0.00} in the account ; the account was opened online on XX/XX/2023, and that the Bank automatically closed the account on XX/XX/2023. He had no additional information to provide like the actual location or state where the fraudster opened the account. This should be fairly simple for banks to data mine this info, along with email addresses provided when opening the account, along with IP addresses. He also confirmed that M & T does not have banks in my city. He reassured me that the account was closed, and confirmed that a record of our conversation would be noted on this fraudulent account. Question remains as to how fraudster got any of my personal information as I shred everything.
|
| 03/27/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX, I received an escrow analysis increasing my payment from {$780.00} to {$1200.00} because the company paid not only my tax bill, but a 2nd tax bill for a house in the area. They misappropriated {$2400.00}. When I called them, they told me I would have to prove that they paid taxes inaccurately. When I called the tax assessor for my parish, it turns out not only did they know they made an error, they had already requested a refund that was in process. They received this refund on XX/XX/XXXX. They refused to fix their error until they had the money back ( money I did not misappropriate ). They then told me they would allow me to pay my {$780.00} payment on XX/XX/XXXX and they promise not to mess up and mess up my credit or my amortorization on my loan. I can not trust this. They told my closing attorney 's office ( who called them ) 2-3 weeks and when I called today, they are now stating another 30 days to correct their own error. In addition, they can not read insurance documents ( or they are harassing me ) and sent me a letter that there is not enough insurance on the property. I have responded by fax today placing astrisks where the correct information is on the insurance doc proving the insurance is sufficient. This is the same insurance and insurance company that was approved for my FHA closing. My mortgage rep helped me get it so it would be accurate for my loan. I need my payment fixed immediately. I did not make an error. I did not misappropriate money. The supervisors do not care and expect that I trust they will not misapply the payment for XX/XX/XXXX. I can not trust this company. They can not read and they expect me to pay for my errors.
|
| 04/12/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX XXXX, XX/XX/2021, my PIN number and ATM card were stolen. That night at XXXX XXXX I called M and T bank and put a block on my card and account after realizing my card was missing.
On the next day, Tuesday, XXXX XXXX, XXXX, I walked into my branch of M and T Bank and found my bank account was emptied of its money, about {$490.00}.
At this point, I reported my ATM card stolen. We started disputing individual charges. We did about 3 charges of about 9 charges that were not made by me. Unfortunately, one of the charges we disputed was a charge I actually made.
I came back to the branch on XX/XX/XXXX, XXXX and we disputed the rest of the charges made by the thief.
The bank gave me a provisional credit of {$570.00}.
Then the bank made a decision that the disputed charges were charges made by me because the person used my PIN to make the purchases. ON XX/XX/2021 the bank took that amount, {$570.00} back.
The other potential reason was that some of the disputed charges were charges I actually made. But this was caused by a miscommunication by the branch manager and me.
So the thing is, I reported the card stolen the next day to the bank. I didn't know the PIN was stolen also. The bank should refund me the money for the charges that were made by the thief. I have spoken to the bank 5 times and they refuse to return the money saying I was the one to make those charges since the PIN was used.
The charges were : XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$55.00} XXXX XXXX and XXXX {$30.00} XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX {$13.00} XXXX XXXX XXXX {$44.00} XXXX XXXX XXXX {$10.00} XXXX XXXX {$63.00} XXXX XXXX {$3.00} XXXX XXXX XXXX {$120.00}
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| 07/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I have recently sold a home XXXX XXXX XXXX XXXX CT XXXX held in Rights off Survivorship with a signed mortgage and name on the deed with my husband XXXX XXXX. He passed on XX/XX/XXXX which made me sole property owner. I continued to keep the mortgage current and sold the property XX/XX/XXXX and discovered I was not the legal title owner. The house was held by a Trustee of a XXXX XXXX opened without my knowledge. I received a loan pay off from M & T bank to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX on XX/XX/XXXX and then a 2nd pay off notice on XX/XX/XXXX to XXXX and XXXX XXXX. I repeatedly sent my warranty deed and mortgage documents to M & T telling them this property passed outside any estate and they violated the Truth in Lending Act by not disclosing this illegal change of title. They annually sent me letters to change my home owners insurance to The XXXX of XXXX XXXX which proves the had a Trustee deed. So I paid property insurance for legal owner XXXX XXXX for over 4 years and was not covered because a Trustee held title. The have titled my new home XXXX XXXX XXXX XXXX XXXX CT XXXX in this trust too. XXXX mortgage company included a blank Deed of Trust in all my fully executed closing documents and will not give me the completed deed. This is property theft and illegal. I fear my home owners insurance in invalid. I need an investigation and help to enforce truthful lending. They are telling me I purchased a house but conveying title to probate without be truthful. When I asked M & T to assume the loan note after my husband passed, they sent me a residential sales contract listing three parties and further confirming the property title was held by a Trustee.
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| 12/17/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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For two months now I have not been unable to access my M & T bank accounts online. I rely on online banking to pay my bills. I have made XXXX separate phone calls over the past two months regarding this issue. Every phone call they tried to reset my account and nothing worked. I still get a message after I log in that says, " online banking is temporarily unavailable. We are working to resolve the service as soon as possible ''. No one has been able to help me and each time I have called I was told that they have to put my name on a list and a supervisor will get back to me the next day. That never happened! I have now been delinquent on my bills for almost two months. A couple of them I was able to pay directly. I just saw on a my mortgage lender account that the bill that I paid using my checkbook was rejected for some reason and I have been charged XXXX late fees!!! The representatives that I spoke with each acknowledged that it was a problem on M & T 's end but yet they have n't it in two months. I have n't even received a phone call.
I went to a free standing M & T Bank and they told me that they could not help with online issues. Today is now my fourth phone call to M & T bank. I asked to speak to a supervisor and I was put on hold for approximately 56 minutes now. I am still on hold as I am typing this complaint. I ca n't believe that they would treat their customers this way. In the past I have waited no more than 2 minutes for my call to be answered.
I need this issue resolved as soon as possible. I have never had a late payment to a payee. Now I have a bunch of late fees and counting. My credit is becoming affected by this. Please advise!!
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| 01/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I have been fighting for my home for 8 years now. It all started off with predatory Lending.From XXXX In XX/XX/XXXX I made XXXX and was approved for XXXX loan which I did not see the money. then in XX/XX/XXXX I received a foreclosure notice. I file for bankruptcy in XX/XX/XXXX until XX/XX/XXXX. then I lost my job. ( From XX/XX/XXXX until XX/XX/XXXX my bankruptcy attorney and XXXX Attorney took my house payment they said in " Good Faith ) Then in XX/XX/XXXX I found out they had sold my house to a new lender ( XXXX ) then in XX/XX/XXXX when XXXX tried to evict me and the judge told them they could not evict me because they had sold my home while I was in a stipulation to stay in chapter XXXX bankruptcy. I recieved a Quit Claim Deed and the house was transferred to me for XXXX ( XXXX ) amount. then when I went after XXXX in Federal Court they could not prove ownership ( and neither could XXXX ) my case was dismissed with Prejudice ) and I Remained in my home. In the county Records it states that the home is mine XXXX transferred it to me. Now their is Wilmington trust and XXXX that claim they are to new own and is the note holder the problem with this is there is two different NOTE and the DEED OF TRUST that they have states pay without prevision to XXXX. now Wilmington Trust and XXXX is trying to take my home through Summary Judgement. And they are not a trust connected to my home. The loan number does match and a XXXX for Wilmington Trust stated to me that 'They are the Big Bad XXXX Boys From California and they will get my home '' Im sure that Wilmington Trust has been hit with all kind of housing, deeds and Note fraud. I just want someone to hear me.
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| 09/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I purchase a car for XXXX 3 months later i was in a 5 car accident and the insurance totaled the car then turned around and told me my car is only worth XXXX i said theres no way my car is worth that that banks wouldnt even finance the car for XXXX if it was only worth XXXX i told them no i will not accept i will take my car back and get it fixed they wouldnt allow that or allow me to see my car. While i was in the hospital they called my house and told my mother that they felt bad and they would give me XXXX for the car my mom said oh ok i dont know anything about this this is not my vehicle this is my sons car. I took the loan under my name only no co signers and i was the only one on my insurance plan.then m & t bank calls me up and tells me i owe them XXXX and there turning my auto loan into a personal loan and i told them no thats not happing i paid my insurance from when i was XXXX XXXX XXXX until the day of the accident in 2016 over 15 years they the insurance needed to pay it. They told me to bad thats what happing i waited for the new bill statement to come in so i can fight it with the insurance they never sent me anything and no way to pay it. I been fighting the insurance and m & t bank for 6 years and now when i told gieco i was the only one on my policy and the only one on my car he suggested i get a attorney and hung up on me and im to the point they ruined my credit and im living on the streets .cant get a apartment cant get a decent job all because of this .everything is well documented and the outcome of all this is a XXXX XXXX XXXX and XXXX XXXX XXXX. In the meantime its all a right off for them they dont care about my well being
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| 09/23/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2021, I XXXX XXXX XXXX to discuss a billing error ( not a fraudulent charge ). I dialed the number on the website which unbeknownst to me was a spoofed XXXX site.
After explaining my billing issue, I was told an old XXXX I had traded in was never wiped clean of my banking information. I was asked to download an app called XXXX so he could unlink the old phone. He had me make two transfers from my M & T banks XXXX service - one for {$1500.00}, the other for {$990.00}.
When I asked how I would be refunded, I was told to go to a convenience store and purchase XXXX gift cards so he could refund the money. I had no intention of purchasing them, but I wanted a witness to what was happening. Mr. XXXX XXXX, the manager of the XXXX XXXX in XXXX, NJ agreed to be a witness to this scam.
I went immediately to my M & T branch in XXXX to report the fraudulent activity. Because I do not have a separate XXXX account, my only recourse was to file a dispute with the bank.
My dispute and two appeals have all been denied because I was scammed, not frauded. I have received no written or email correspondence from M & T. I only know about the denials because the branch manager verbally informed me when I kept going to the branch to check the status of my claim.
I believe my rights under the recently published CFPB compliance aid that prevents banks from exploiting loopholes in Regulation E are being violated. In XXXX, the CFPB ruled that a consumer who is fraudulently induced into providing account information has not furnished an access device under Reg E.
I have supplied the two attached articles to the bank, and they are still denying my claim.
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| 02/14/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
Older American |
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My name is XXXX XXXX and I work with XXXX XXXX XXXX. XXXX XXXX and her daughter, XXXX XXXX, have hired our firm to work on their behalf to recover stolen funds at M & T bank. I am acting as power of attorney. XXXX and XXXX have signed all necessary documents to assign power of attorney to our firm but M & T will not honor the power of attorney documents and so far has refused to speak with our firm about the issue.
Someone stole checks from XXXX, forged them, and then cashed them. XXXX mail was diverted by the thief and the fraudulent checks continued to be cashed. The total is in the XXXX dollars. M & T refuses to reimburse the funds under the Electronic Funds Transfer Act and has only offered XXXX a very small amount of reimbursement. So far M & T has refused to put their denial of reimbursement in writing. The fraud was reported to M & T on XXXX/XXXX/2016.
M & T made no effort to contact XXXX, or compare the signatures on the checks with XXXX true signature. The signatures differ substantially. The checks were also outside of her normal spending habits but M & T still continued to do nothing to protect the funds or verify the legitimacy of the checks. XXXX has not given M & T any permission or authorization to honor these fraudulent checks.
M & T has stated to the victims that they would speak with our firm regarding this issue but has so far refused to return calls or letters.
XXXX is XXXX years of age and her nest egg to live on has been cleaned out. We urge M & T to reimburse the full amount of the fraud and go after the perpetrator for restitution. The perpetrator has been arrested and is awaiting court proceedings at this time.
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| 11/02/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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I was a customer of M and T bank for several years. Until recently, I had no complaints. However, I noticed this past month that I was charged a XXXX monthly fee for a service I thought was free. I checked my account and saw that this amount had been taken from my account for the past few years.
When I called customer service, the woman was kind enough to inform me that my account required that I have direct deposit or XXXX dollars to avoid this fee. When I first signed up for M and T, I was told this account was free, and it was, considering that at the time I had my check direct deposited into my account. However, this money has been taken from my account since I left that job which was in XXXX of XXXX. I asked my customer service person if I could end this, she said yes, and that all I needed to do was downgrade my account. I did this immediately, and then asked what difference there would be to my account. She said nothing. My account status simply made me eligible for other benefits which I never used. I calculate that from XXXX of XXXX to XXXX of XXXX, I have paid XXXX for a service that was never used and never requested.
What 's more, upon investigation, I found that in XXXX, M and T was fined XXXX dollars for just this infraction, and paid XXXX XXXX dollars in refunds to over XXXX customers complaining of this same issue.
When I called M and T to ask for this money to be refunded to me, they said that this would not be done. They said that the above infraction did not cover my type of account, which she said was never advertised incorrectly.
I have, however, paid nearly XXXX dollars for a service I never received or requested.
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| 09/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Older American |
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I migrated from Peoples United to M & T bank as part of their take over on XX/XX/2022. On date after transition on XX/XX/XXXX, as instructed by M & T, I checked my new M & T account to see if my scheduled bill payments had transitioned. There were three scheduled payments for XX/XX/XXXX to three different credit cared accounts., and all appeared to transition successfully. On XX/XX/XXXX, I learned that only one of three payments were made as scheduled on XX/XX/XXXX, resulting in over {$250.00} in finance and late fees, and unknown damage to my credit score.. I immediately called M & T to see how they were going to rectify my situation. I was on hold for close to 3 hours. Finally, the individual who answered researched my issues. She told me that " on her side '', they only saw the payment that was made and not the others that were scheduled. It really made no difference to her that " my side '' told me all of the scheduled payments had transitioned. She advised me that it was my responsibility to reschedule any payments that were missing. I repeated that they were not missing when I reviewed my account on XX/XX/XXXX. How was I to know that M & T would " loose '' my scheduled payments between XX/XX/XXXX and XX/XX/XXXXXXXX? In sort, after 30 minutes of back and fourth on the same subject -- " her side '' wins and I am out {$250.00}. I have been through at least XXXX bank transitions after take-overs and have never experienced anything like this. Every transition I have been through, while unpleasant due to manual labor involved, was error free. How does a bank drop the ball like this for so many former Peoples customers and get away with it?
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| 05/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/XXXX I opened my mother`s estate, as she passed away on XX/XX/XXXX. I went to M & T Bank to obtain her checking/savings account information, spoke with a relationship banker & manager at the XXXX XXXX XXXX XXXX XXXX, DE. When she and the manager pulled my mother`s account they both advised me that there were XXXX checks that were fraudulently signed ( mother`s name forged ) totaling {$160000.00}. Therse checks were signed when my mother was on XXXX with XXXX XXXX XXXX. Both the manager and relationship banker advised me to go to the police and to XXXX XXXX ( the bank where the money was deposited ). On XX/XX/XXXX I returned to M & T Bank, per my attorney request to file a fraud claim. Speaking with the same representatives, they advised a claim should be filed, and they did, indicating it would take a week for a response. Less than 24 hours the same representative called to state " That they were unable to process the claim as the account was closed, the account closed due to the fraudulent activity that made her account balance XXXX. These checks should have been flagged/rejected, since the signature is not my mothers and does not match her signature on M & T Bank`s file , and my mother was the sole owner of the account. In addition, to it not being her signature, she never wrote checks that large of an amount and these checks were deposited using a mobile app. These actions should have alerted M & T Bank to flag these transactions. I have been to M & T Bank several times and have not been helped at all, I feel my issue is just ignored and they do not want to help. But I will not give up on trying to resolve this fraud activity.
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| 09/12/2023 |
Yes |
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
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I was in a hardship and went into forbearance on my mortgage that was held by XXXX Mortgage Company in XXXX of XXXX. Before my forbearance began they did an annual escrow analysis. Because they didnt have the new declaration from my insurance company for the upcoming year they estimated the amount. The estimate was inflated by {$9000.00} from the prior year. Obvious mistake and it took my payment from {$1300.00} a month to {$2700.00}. This wasnt made known to me until I was almost 4 months into my forbearance. I contacted XXXX about this issue numerous times without ever receiving any directions to rectify the problem. Finally they stated that they recognized the problem but they were unable to run a new escrow analysis until AFTER I was finished with my forbearance period. In the meantime my balance of what I owe on my mortgage goes up by {$2700.00} a month instead of {$1300.00}. In XXXX of XXXX they transferred my mortgage over to M & T Bank. Ive spent an endless amount of hours on the phone with representatives from every department within the company. Numerous employees have agreed that there was an obvious clerical error on my escrow analysis from XXXX but there still is nothing that nobody can do to resolve the problem. My last conversation with M & T Bank management team member I had, he stated that there was nothing I could do. I would be responsible to pay the inflated amount when my forbearance period was up. I have been postponing submitting my application to the HAF, homeowner assistance fund, because the total I owe is over twice the amount that I actually owe. My forbearance period will be ending at the end of XX/XX/XXXX.
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| 06/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I started a refinance XX/XX/2020. My file went to closing on XX/XX/2020. The closing agent, XXXX XXXX, all but refused to call anyone other than her contact at the title company for almost three weeks. She only called someone else once I complained to my loan officer, XXXX XXXX, and called the title companies in my area. She was informed by the manager of the title company her contact no longer worked there. She then sent the request to a local company, XXXX XXXX. After a few days I called the title company to ask about the progress and was informed there was no open order. I told XXXX and she told XXXX who finally called XXXX XXXX and was informed she was given the wrong contact information and had to resend it. On XX/XX/2020 she was asked some questions but didn't answer until XX/XX/2020 at which time she was asked if a survey was needed. She didn't answer that until XX/XX/2020 by having XXXX contact me to request the survey. I have had to resend documents because they expired and resign documents because they were wrong. Every time a request was made of me I complied. When I complained on XXXX I finally got a call from XXXX to get more information from me and that someone would call me tomorrow ( XX/XX/2020 ). It is now XX/XX/2020 and I have yet to receive a call. It has been two and half months since my file was sent to closing. I finally closed on XX/XX/2020 but still have yet to receive a call from M & T Bank about the problems and delays I had. Throughout this whole process I either talked to or tried to get a reply from five different people. Only one was willing to always return any correspondence either phone, text, or email.
|
| 08/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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Over the past few years, we have had a difficult time paying our Mortgage with Hudson City Bank due to loss of employment. Note : Hudson City does not fall under the US HARP program. During this time, Hudson City would not lower our mortgage interest rate despite numerous attempts to work with them. We also requested help from other financial institutions, but as we were current on our mortgage we could not qualify. Due to this situation, we could not be current on both our taxes and our mortgage. Over the course of a few years, we regained stable employment and our incomes have increased and however, Hudson City rolled our back taxes into our mortgage and rendered the monthly mortgage payment impossible to pay, despite the fact that we can now pay our taxes plus mortgage and a small portion of our back taxes. With new funds now coming in and increased salaries, we can make it work, but not under this new monthly payment. We attempted to send our mortgage payment + taxes into Hudson City, and they refused to accept this payment as they deemed it partial. Our actual mortgage was {$2200.00} our taxes appx {$900.00}, our check was for {$3300.00}. We are desperate for a resolution, be it rolling the back taxes into the final sale of the house, lowering the interest rate of the mortgage, or longer terms ... every time we discuss this with Hudson City Bank, each person states that it is not their department. We can not get to the correct department to find a resolution to this problem. We now will have to spend money seeking legal counsel for a foreclosure lawyer, rather than this bank working with us to assist in a better solution.
|
| 05/18/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
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Web |
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Manufacturers and Traders Trust ( MTB ) is a part of a mortgage fraud against the, ESTATE XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NCXXXX.
Since XXXX, I have been corresponding with MTB about the loan that was cancelled by XXXX on, XXXX XXXX, XXXX, after filing an affidavit for lost note on XXXX XXXX, XXXX .This was ten months later .Because of the time span, this was not likely to have been done in error.
When contacted, MTB repeatedly assured me that they had nothing to do with the this loan.
XXXX, who I believe is a co-conspirator, wrote that they had acquired servicing of the mortgage in XXXX, and had sent payments to MTB, the holder of the note.
MTB wrote, they held XXXX files in their vault, but returned them to XXXX in XXXX. MTB said XXXX XXXX XXXX was the servicer at that time and that they had not received any of the payments made.
Research has shown that MTB was perjuring themselves in all the information they sent me.
Recorded documents show a list of mortgages XXXX XXXX XXXX XXXX serviced for them. The mortgage in question, XXXX XXXX series was on the list. This can br found in BK.XXXXIN XXXX, NC XXXX online register of deeds .I have spoke with people in the lien department and they have denied having this mortgage.
I was told the name, XXXX XXXX, or the address was not in their system.
It appears, XXXX XXXX, XXXX and MTB, are trying to cover for each other.
MTB knew all the time that this note was with them. At first, they seemed to be trying to help me, now I know they were not.
I will send the docs tomorrow.
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX.
XXXX, XXXX XXXX XXXX -- -- -- XXXXXXXXXXXX
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| 04/19/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Fees charged for closing account
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Web |
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Sometime over a decade ago I co opened a bank account with my younger brother thru M & T Bank. He was the primary and he had the only debit card/checks, I never used this account. Apparently in 2017 the acct was closed sometime prior to that there was over draft charges of {$240.00} and change. My brother still has a separate active M & T account that he uses. Fast forward to XXXX weeks ago, I run a speech therapy clinic and needed to be added onto the business bank acct thru M & T, I was flagged that I could not be added due to this past due balance for a account I never used. I was never notified of the acct closure, of the past due balance, or any issue with the acct via mail, email, or phone. When I questioned the bank they could not provide me with any information reg the charges, the date of charges, and if they attempted to notify me or how. They also could not provide me information as to why my brother 's active acct was not charged for this outstanding balanced. Further more this is not on my credit report ANYWHERE so until I attempted to open a new bank acct for my business I would never have known this existed, which is infuriating. This could have affected me getting a mortage in a year or two or opening any additional savings or checking accts with my husband etc. I had to pay this balance WHICH WAS NOT MINE because No one would help me or even give me accurate detailed information. This is unacceptable. There should have been a direct commmunication attempt and if they are claiming I am responsible for this debt I should be able to have access to what this debt is actually for and the dates of origin etc.
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| 12/20/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
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|
Web |
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This is an incident that occurred on XX/XX/22 by an employee at M & T Bank by the name of XXXX XXXX. The description below is the complaint that I sent to the business and I have not heard anything back.
I am writing today to file a formal complaint about an employee of your bank, XXXX XXXX. I have learned from a colleague of mine that XXXX visited my place of employment and began to berate me and attempt to defame my reputation. In addition, she proceeded to call me specifically discriminatory names and created a hostile environment for my colleague at our workplace. I have been a customer of M & T fka Peoples United for over twenty years. I have several accounts as well as a mortgage and I find it offensive as well as an invasion of privacy that XXXX felt empowered to discuss anything about me personally in any location, but, especially at my place of employment. I hope to hear back for someone regarding this unpleasant experience and I need to understand under what circumstances M & T as a corporation allows its employees, especially someone in management, to bully its customers in a public setting at their place of employment. I feel that my confidentiality has been invaded and I hope that this matter is taken seriously. I am happy to provide any more specific information about this incident, up to and including other witness ( es ) to this behavior as well as video surveillance. Amidst all of the controversy and customer experience debacles that M & T has been experiencing, I can not seem to understand how behavior like this would ever be tolerated. I have been violated and discriminated against as your customer.
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| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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XXXX XXXX, Director, Consumer Financial Protection Bureau Attn : XXXX XXXX, Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely.
According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history.
All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1.
There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing.
Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 Thank you,
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| 08/29/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
The financial institution informed me that a person with good credit was offered a home equity line of credit with a 3.49 % annual percentage rate. My situation with this financial institution was that I had an outstanding line of credit in the payback mode at a varying rate which was the prime rate less 0,5 %. or currently 3.75 %. I was under the premise that since I knew that my credit rating was excellent presently then my loan rate should be similar to this other noted individual who received a 3.49 % rate. An appraisal was done where the financial institution had my property appraised. The appraised value was {$110000.00}. The bank then took 85 % of that amount and determined that my line of credit would only be {$93000.00} which was {$6500.00} less than the SUPPOSED {$100000.00} value needed for the rate of 3.49 %. The bank did not recognize my free standing garage as a free standing garage but labeled the free standing garage a shed. This was incorrect since my free standing garage is 20 feet long by 12 feet wide by 13 feet high. The bank was informed of this fact but refused to change the original incorrect appraisal but indicated that an inside the home appraisal would be required .Thus I disagreed with their conclusion and since my faith in the bank 's credibility was now in question. I was apprehensive about the bank giving me a better appraisal value once inside the home since both my kitchen and bathroom .would be subject to criticism since no changes were made to major appliances and real estate fixtures in 25 years. In summary the bank offered me 5.24 % after baiting me with these lower interest rates.
|
| 12/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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Early in XXXX I requested that M & T Bank drop the PMI insurance from my mortgage. I was subsequently sent a notice that the PMI would not be dropped because I had not met 2 of the criteria in order to do so. One of the criteria required me to make an additional lump sum payment towards the principle, which I did. The other requirement was that the loan had to be in effect at least 5 years. I was told verbally by M & T that that period would be in XX/XX/XXXX. When I called in XX/XX/XXXX to find out when I would receive a new payment break down, I was told that the PMI could not be dropped until XX/XX/XXXX because the 5 year mark was on XX/XX/XXXX. The payment statement that I received from M & T shows an increase in the monthly payment due to their escrow analysis, which includes the PMI charge that I will no longer be responsible for. I called M & T Bank today ( XX/XX/XXXX ) and asked again for a new escrow analysis so that I would know what my correct payment should be on XX/XX/XXXX. I was told that I could not receive that new payment figure since the 5 year mark ( XX/XX/XXXX ) had not yet arrived. I asked if I called on XX/XX/XXXX if they would then send me the correct payment amount so that I could make my XX/XX/XXXXpayment on time. I was told that the analysis may take up to 60 days before it takes effect.
It is obvious to me that M & T Bank is stringing us along, and probably thousands of other mortgage holders as well, in order to collect additional PMI payments.
The resolution to this problem is simple. I need the correct payment amount for XX/XX/XXXX that does not include the PMI.
Thank you in advance.
|
| 12/15/2023 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
I contacted M & T Bank in XXXX and again earlier this week. In XXXX, I requested available options to lower my monthly payment to avoid delinquency. The representative I spoke with was so dry, unprofessional, and non-empathic that I disconnected the call. It was clear that she was not interested in helping me. In late XXXX, the company I had just began employment with in XXXX began layoffs. I have now been unemployed since XX/XX/XXXX and recently declared bankruptcy. I contacted M & T Bank this week after receipt of a letter offering options to modify my original note and reduce my monthly mortgage payment through on of their loss mitigation programs. Again, I got a representative that was not at all interested in helping me. I explained to him that I was unemployed and his only response is that he couldn't help me, no other alternative options were provided. Today I received a letter from them again. This time, the options are listed as : repayment plan, unemployment/special forbearance, loan modification, short sale, and deed in lieu of foreclosure. Why hasn't any of these options or alterntatives been offered to me by the two preceding representatives? It is customary in service to exhaust all options available to best help the consumer. M & T Bank has done nothing to try and help me. Considering I am now unemployed, the male representative I spoke with this week could have offered the unemployment/special forbearance. Additionally, they do not explain the options to you or take time to work with you on best fit. I want to keep my home, but a little assistance in trying to do so would be greatly appreciated.
|
| 06/26/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was sold to M & T bank without my knowledge in XX/XX/2019. XXXX failed to keep me informed of the sales. I called XXXX for months in an attempt to pay them and I was told that there " was a problem with my bank app, someone will get back with you ''. Finally, in XX/XX/2019 I was told by a XXXX employee on one of my many calls that my loan had been sold. I immediately requested a copy of the letter they claim to have sent me. I then confirmed that they had incorrectly recorded my business mailing address, which could be why I never received any kind of notice of the sale ... Never mind that they had 3 different email addresses on record that they failed to use to contact me. After multiple requests I finally received a written notice that my loan had been sold via email on XXXX and because I now had a name and number for my new mortgage company I called right away.
The man I spoke with verified that M & T had my correct email, and home addresses and a XXXX XXXX XXXX use for business ( they were one digit off actually ). He gave no reason for why M & T Had not tried to reach me.
When I asked for a loan number, he said customer service would reach out. They sent a letter that I recieved at the house today, XX/XX/XXXX, dated XX/XX/XXXX. The letter is saying I'm now in default.
This is the first correspondence from M & T with any info like a loan number.
Last week I got an invite to sign up for on line banking with M & T. There was no way to make a payment without a loan number. The XXXX XXXX loan number was not working.
Today XX/XX/XXXX I finally have the ability to make a payment on my loan.
|
| 01/31/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am XXXX XXXX XXXX and have been serving in the XXXX for 19.5 years and I have a home that I purchased XX/XX/2005. I have never been missed a payment until late last year when the tenant I had living in my home XXXX XXXX. I was trying to keep up with the payment with me no physically living in the home it became very challenging. Fast-forward I received a phone call from a mail carrier that I know who delivers mail in the area my home is in and she asked me if I knew that my home was in foreclosure and my response of course was no. I reached out to M & T bank and they said that they have been sending notices although I never received anything in the mail. I am not sure how the process work so I reached out to a real estate professional and I was informed to contact the bank again and see what the for sale date is. The bank the referred me to the attorneys who was taking my case. I contacted the attorneys who were handling my date and they emailed me the amount in arrears, the payoff amount and the Foreclosure for sale date. I have tried to work with the bank to get this date postponed as having an active foreclosure and I was told that there was nothing to do. I was told that I did not qualify for the program for military because I bought my house before the program for military was in effect. I do not want to loose my home. I am planning to move into my home once I retire which is in 1 year. I really need help with this matter. I did not work hard to keep up the payments of my home to just finally loose it without any notices at all. I hope that I can get some help in this matter.
Thank You XXXX XXXX XXXX
|
| 07/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
On XX/XX/2021 I deposited a USPS money order into my account at M & T Bank, XXXX, Maryland.
Since then I have not had access to my funds as they are not available, even though M & T Bank 's letter of XX/XX/XXXX stated that my funds would be available in five business days. This letter was quite offensive and basically accused me of the unlawful act of passing a fraudulent financial instrument. Moreover, M & T Bank 's app and website both state that my funds are available.
Unfortunately, I reasonably relied upon M & T Bank 's multiple patently false and misleading statements about the availability of funds my M & T Bank account. These false statements regarding the availability of funds in my account were published in its offensive written communication and on both the app and on the website. Customer service also " promised '' me that my funds would definitely be available on the morning of XX/XX/XXXX.
Therefore, having a reasonable belief that these false and misleading statements from multiple M & T Bank sources were true, I have twice attempted to transfer funds to my other bank. I am unable to complete the transfers and have received additional offensive emails stating that fraud has probably occurred on my account. All this because I had an entirely reasonable belief, based upon M & T Bank 's false and misleading statements that my funds are available ; and was simply attempting to transfer my own funds to my other bank. I called customer service at M & T Bank and was informed that my funds are not available as a hold has been placed on my funds while M & T Bank does a " fraud investigation. ''
|
| 09/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2022, I opened a new personal checking account with M & T bank online. I opened the account under a {$350.00} promo code ( " CF '' ) for opening a new account and maintaining {$10000.00} in the account for XXXX and XXXX. I completed those terms as of XX/XX/XXXX, and when I attempted to log into my account to move some of those funds from my account to another account under my name at a different bank while I was traveling out of state in early XXXX, the transfer was blocked and then my access to my account was blocked. On XX/XX/XXXX, I called into customer service and was told my account was blocked due to suspected fraud and that the only way to regain access to my account would be to go to a branch in person and show a physical ID. I explained that I am currently traveling for a few months and asked for other options for proving my identity and getting the suspected fraud block removed, but after elevating to a supervisor they continued to refuse to allow any other options but to force me to travel back to XXXX XXXX. I now have {$10000.00} of my own money that I can not access while traveling because M & T decided they did not like that I was trying to do online banking while traveling out of state. I did nothing fraudulent and was not even given the option to try to resolve whatever the suspected fraud was. Further, the timing is somewhat suspicious, as I had just completed the terms for the {$350.00} welcome bonus and was expecting to receive that bonus this month. I need to have access to my own money restored and also expect to be paid out for the bonus for which I completed all terms.
|
| 12/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am writing to you about a discrepancy on the final amount owed on my mortgage. I have emailed the company several times and have had several phone calls about this. I started emailing them two years ago about the amount owed at the end of my loan. Somehow {$4700.00} got tacked on the end of this loan. This {$4700.00} is our discrepancy ; I tried to pay my last payment of {$600.00}. They told me I could not pay my payment until the investigation was done. In XX/XX/XXXX they had to look into this further. I have been in constant contact with the company ( weekly ) to get this resolved. I have documented all of our conversations. I was told in XX/XX/XXXX it should be resolved XX/XX/XXXX called and they said they were still investigating it, give them till XX/XX/XXXX. called them today, they said " to be patient '' they have assigned this to a escalations team. I am getting collection calls from their collections department asking why I am not paying the payments, I told them it is being investigated you can see it in the notes. They said this is not being investigated that they sent me a letter saying it has been resolved, ( I never received a letter ) and the company that had my mortgage before them has gone out of business and that I owe the money to them. I was told that today by XXXX XXXX XXXX, he wouldn't give me his last name, said he doesn't give his name to strangers. I have been given several supervisors being told the others are not available. They keep saying it is being worked on. My payoff date for this mortgage was XX/XX/2018. I am looking to find what steps I can take to resolve this.
|
| 10/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
Due to the financial crisis of XXXX my income declined to one fifth of previous years and finally in XXXX I was forced into a chapter XXXX bankruptcy. I got back on my feet and started paying back my creditors 100 % of what I owed. My mortgage was the only thing I was allowed to keep through M & T Bank. In the spring of XXXX I was sent a package from M & T Bank via XXXX XXXX that I had to sign for. It was a pile of documents saying that the Federal Government had told M & T that I needed to refinance my mortgage to a lower rate. I called the number and asked if this would this apply to me because I was in a chapter XXXX bankruptcy. They said yes let 's proceed. They then called and said I needed to get permission from the Trustee and the Judge so I contacted my attorney who did what I asked. About 2 weeks later they called and said they could not refinance me. 2 weeks after that I received a notice that they were charging me attorney fees for asking the court to refinance my mortgage. I called my attorney and she said that it might just go away since they asked me to refinance and they were my current mortgage holder. I went on with my Chapter XXXX and paid it off. 2 weeks after paying off my chapter XXXX I received notification on my mortgage statement asking for payment of a recoverable corporate advance. When I called and inquired about this they told me it was for the attorney fees that they incurred when my attorney asked the Judge about my refinance. I do not feel that I did anything wrong here since they made the original offer. And I do not feel these charges of over {$840.00} are justified.
|
| 07/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I opened a checking acount at M & T bank online, i went to the XXXX branch to make my first {$50.00} dollar cash deposit everything was fine next day i decided to open a secure credit card made an apointment came in deposited the {$250.00} cash required gave them my state of NJ government issued id and social security card and a letter from NJ unemployment i was told everything was fine, after that i deposited another {$500.00} dollars in us cash currency into my checking acount which i was told was open and the following morning another deposit of {$300.00} cash us currency into checking so i could open up a couple of secured credit cards one with XXXX for XXXX i gave them permision to take and XXXX for another XXXX permision after almost 10 days i received a phone call saying the bank needed more identification from me because they were issuing a credit card i told her close the saviings put it in the checking forget the card .knowing i was being discriminated against by people who i believe secretly hate Americans i decided to call and speak with a different branch manager to see if i could resolve the issue i made an apointment with him to come in the following day i asked the problem he told me to bring more identification he called the XXXX manager and made anapointment for me to bring in more identification i even brought my lease and wasted more of my time after taking and copying my paper work i was told my acount s were closed they made me drive to the bank for nothing they knew wthe evil they were planning in advance they admitted to talking to each other until i confronted them about it
|
| 01/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We were in the modification process with XXXX XXXX when it was sold to M & T Bank in XXXX of XXXX. The modification process continued with M & T Bank via XXXX XXXX XXXX. It took M & T Bank/XXXX XXXX XXXX an extreme amount of time to process this modification. The modification was completed on XXXX XXXX. The closing cost was {$14000.00}. The was no detailed breakdown of the closing cost given. The costs were identified as interest, costs an expenses. On XXXX XXXX a late fee refund of {$620.00} was returned to us. We called an wrote to M & T Bank & XXXX but could not get the details needed to explain what we were charged for processing this loan.
A second modification was processed with M & T Bank/XXXX XXXX XXXX on XXXX XXXX. The closing costs for this modification totaled {$11000.00}. We had the exact same problem of not obtaining details of the closing costs of this loan. On XXXX XXXX, due to a " M & T quality review '', {$3100.00} and {$380.00} was returned to us due to an overestimation of fees and costs.Still, M & T Bank & XXXX refused to give us detailed information in reference to the closing of this modification.
In XX/XX/XXXX, we filed a complaint with XXXX XXXX to get closing cost details of both modifications ( Case # XXXX ). XXXX XXXX could not obtain details of the closing costs.
All settlement companies that I have ever delt with, supplied details of the closing costs. We have been trying for years to obtain this simple information.
I suspect that the costs of the first loan were also overestimated. How would I ever know without M & T Bank & XXXX reveling the details of both loans?
|
| 10/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Hello my name is XXXX XXXX XXXX living at XXXX XXXX XXXX XXXX NJ XXXX. I have a home mortgage at HUDSON SAVING BANK from XXXX at the interest rate of 5.5 ( A/C # XXXX XXXX ). From XXXX XXXX M & T bank takeover HUDSON SAVINGS BANK mortgage. Without my permission, now i have a problem with M & T BANK from XXXX XXXX. Every month i received 2 statements from M & T Bank. Saying that one statement says that i owe {$4300.00}. The second statement says that i owe {$2100.00}. MY monthly mortgage is {$2000.00} which includes my taxes. Due to my high interest rate i went to financial institution to reduce my interest rate, due to this two statement saying that i have a late fees on my mortgage. I have all my proofs paid my mortgage on time from XXXX to till date. i never paid any late fee so far. I went to M & T bank with these two statements to XXXX XXXX NJ Branch. I discussed with the manager about these two statements and the manager the other people are whose related to the M & T bank are not responding. Several times i called M & T bank try to explain why i am getting two statements every month but no response from them. With this i am loosing my credit score and no bank coming forward to reduce my interest rate. I am sick & tired with M & T bank. Finally, last two days back i went to M & T bank in XXXX XXXX to get some solution. The bank manager the other people say that " M & T works like this go and do what ever you want ''. I do n't have any choice than you people. I hope you see this complaint and justify. If you have any questions regarding this please call me at XXXX. I hope to hear from you soon.
|
| 11/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account at M & T Bank in XXXX of 2017 at their branch on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I used a promotion code ( XXXX ), which promised {$200.00} dollars after direct depositing {$100.00} or more into a checking account. The woman who helped me open my account at M & T assured me that I was eligible for the promotion and that she included the promotion code in the computer system at the time of opening my account. I arranged the direct deposit within the required 3 months and, as per the promotion, I expected to received my {$200.00} within 3 months of having my $ 100+ direct deposit go through. A direct deposit of {$100.00} went through on XXXX XXXX, XXXX. Three months later, I still had not received my {$200.00} so I called the bank branch. A representative asked me to email them the coupon I had to see the code. I obliged and the woman said that the promotion had a computer-based system with names in it of people who are qualified - apparently my name was not in the computer system.
However, if this were the case, the M & T representative did not inform me of this when I first opened my account and even assured me I was eligible. Furthermore, the coupon mentions nothing about a computer-based system with eligible names ( I attached it to this complaint ). After mentioning this to a representative over the phone ( working at the branch where I first opened my account ), she told me she would call me back after looking into the matter. I never received a phone call or a message/email back from the representative and I never received the {$200.00} per the promotion.
|
| 07/23/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Older American |
|
On XXXX XXXX, 2017 I had an 18 Month CD mature at M & T Bank. The Branch I use is in XXXX XXXX, XXXX XXXX, NJ. The CD originally started with XXXX XXXX XXXX XXXX which was acquired by M & T Bank. The account balance of the CD was {$5500.00}. Last month ( or the month before ) I received a renewal notice telling me the CD was coming due but that the rate I could be paid on renewal had yet to be established, hence could not be disclosed. On Saturday, XXXX XXXX I received a renewal notice in the mail dated XXXX XXXX which disclosed the CD ( Account Number XXXX in the amount of {$5500.00} ) had been renewed for another 18 months at a rate of 0.1 %, which is ridiculously below market. On Monday XXXX XXXX, I visited the XXXX XXXX XXXX XXXX XXXX XXXX to close the CD and spoke to Branch Manager XXXX XXXX who processed the CD Closure and charged {$52.00} in interest forfeiture fees and penalties. I told her that this amount of penalty sounded excessive given the late notice on the new rate and the fact that the new rate would only yield me {$5.00} per annum in interest income. She did n't really reply to that but said I could have closed the CD within ten days of renewal or before renewal to avoid the penalty even though I did not receive notice of the rate until 24 days after the renewal. She was very nice but essentially I gathered she was powerless to be fair about this so here I am. The Bank Official Check I left with was number XXXX for {$5500.00}. I am writing to you to try to get help for myself and the countless other people who were given penalties I deem to be excessive given the circumstances.
|
| 12/01/2023 |
Yes |
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
Servicemember |
|
I purchased my mortgage loan through XXXX XXXX XXXXXXXX. So they sold it to M & T Bank and another company called XXXX. So thats XXXX different companies passing my personal information around at the time me not knowing whats going on. They say they sent letters I didnt received or sign to return. They had my phone number they never called. They didnt have the correct email address so yes I called to correct that. So yes at the time I was confused getting information from XXXX different places and i was wondering why because I had a bank account with XXXX XXXX XXXX and my payment was on auto pay at the time. This is impacting my credit score and im trying to move on with my life and get funding for my business so can I please get this off my credit! I see its a law that banks can pass your information on but i dont think thats fair especially being that I pay a lawyer to read over the paperwork when I first purchase my house. Now to hear that someone can get my information, home and my loan giving to them is terrible and hard to digest this! As you can see after this or even before this issue I never had a problem I truly hope I get this resolved. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Thanks Im advanced.
|
| 05/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account with M & T Bank online on XX/XX/2019. One of the main reasons that I opened this account is because I received a targeted advertisement on the M & T website about a new checking account promotional offer in which the bank would give me a {$150.00} cash bonus after meeting certain requirements. I read through the requirements of the offer and the terms and conditions and decided to open this checking account based on what I read about the offer. I completed the requirements to receive this promotional offer, which included having a minimum {$500.00} direct deposit, which posted to my account on XX/XX/2019. The terms stated that I would receive the bonus within 90 days after the direct deposit posted. I initially reached out to M & T Bank on XX/XX/XXXX because I hadn't seen the bonus post yet. I was told at that time by a customer service representative that, while I did have the promotion linked to my account, the bonus was not eligible in my geographical area, even though I received the advertisement online and there were ZERO geographic restrictions presented in the terms of the promotion, which I thoroughly read through when I opened the account. I responded to M & T with this information and they then said that I should see the bonus post within 90 days after my direct deposit. I waited 90 days and reached out to M & T again on XX/XX/XXXX when the cash bonus still hadn't been applied to my account. I was again told that I'm not eligible for this offer because of my location, but, again, there were no location restrictions in the terms and conditions of this offer.
|
| 09/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Called in XX/XX/XXXX to get payoff of loan a guy told me i had ten days to mail in check to M & T Bank in XXXX XXXX XXXX. I did that and shows transaction date of XX/XX/18 payed the {$13000.00} which the guy told me. then on XX/XX/XXXX, got a bill saying that I owed {$160.00}. Called up again waited 20 minutes on hold and the woman that answered she said that they had no record of me asking to pay it off. I asked to talked to supervision and waited over ten minutes and a guy came on said his name was XXXX at XXXX what ever that means, he said that it wasn't called in for payoff so i would have to pay {$89.00}. I as why it was that cost when i owed over {$13000.00} the interested was only {$88.00}. But i sent a check that day to get rid of that bank. Monday XX/XX/XXXX i got a letter from XXXX XXXX i called the bank again and they couldn't explain what this letter meant and would would have XXXX call me if i gave my phone number. No calls so I called back again talked to a XXXX, she said she didn't know anybody by that name and couldn't help me. I told her i wanted to talk to a supervisor or someone that knows what going on. She put me on hold for over 10 minutes and that guy XXXX came on. Said that was a letter stating that they would begin the pay work ten days after the loan was payed in full but would not let me talk to this XXXX, and showed the extra money was payed XX/XX/XXXX and that they have up till ten working days to start this process and could take a while to do. So i wanted to make this know of this and asked how could there be {$89.00} interest on a loan that sent all the money in.
|
| 09/03/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
On or about XX/XX/2018 I called M & T BANK in XXXX, MD XXXX and spoke with the assistant manager whose first name I only have is XXXX I asked for information on how to close a savings account that I had because I no longer live in the state of Maryland. I did exactly as he instructed me to do. I have a copy of the note. I had it notarized and mailed it to the bank. Upon them receiving the papers XXXX called me and asked me how I wanted the funds I instructed him to just send me a check. After two weeks not receiving the check in the mail I called him I also went to the post office with the tracking number that he gave me but the post office said it didnt exist I couldnt find it in my research either. XXXX then told me he would mail me papers I have to sign to close the account and have notarized but my first question was why couldnt the bank just stop payment on the check. That same week I got a phone call from XXXX telling me that I could Either get a insured bond which I had to pay for or I could wait 90 days and on 91st day he would mail me the papers and then they would re-issue the check upon them receiving them back signed and notarized. I the customer did not lose the check so why should I have to pay any funds at all. He made no effort to even try and locate the check which he said he mailed. It is a substantial amount of money that is now who knows where and he has made no effort on his part to try and find out what happened to the check. That is my money that was in m & t bank And I should not have to wait any longer for my money Or pay anything out-of-pocket. I want my money NOW.
|
| 05/26/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
In XX/XX/XXXX my family experienced hardship and qualified for XXXX relief forbearance. Our previous loan servicer, XXXX XXXX XXXX presented us with the options to either pay off the unpaid sum, place the payment at the end of our loan, or a modification. We continued to utilize this forbearance and had to certify with them every XXXX months. Every time I spoke with them I discussed the same options and voiced I would like it placed at the end of our loan.
In XXXX our loan was sold to M & T Bank, and the records and notes on our previous account were deleted ( purposefully in my opinion ) in the exchange. M & T also said that the previous loan servicer " Didn't do the forbearance right ''. They're throwing blame off themselves for not reviewing our account before purchasing? They called me on XX/XX/XXXX to discuss the forbearance and said they no longer offer the option to place the payment at the end of the loan and we can modify or pay XXXX. I was told the program ended in either XXXX or XXXX for VA loans to utilize that payment type. It wasn't communicated to us that it wasn't an option until XX/XX/XXXX, right at the very end of our forbearance period. M & T sent us a modification notice which is dated XX/XX/XXXX but I checked my USPS mail scans and the document isn't listed that they delivered it. The modification offered wouldn't be affordable by doubling our interest rate and adding over 1k to our monthly payments. I believe they are preying on us. I did file with the California Mortgage Relief program since our forbearance ends this month and they are threatening to foreclose.
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX and XXXXM & T Bank credit reporting dispute : This discrepancy on my credit report was disputed with XXXX. The outcome has resulted in insufficient change to the report. The information that disputed and is indeed false was incorrectly verified as correct by XXXX XXXX to XXXX. This notice is attached ( A ).
This Account, XXXX, is correctly identified on the credit report as opening XX/XX/XXXX. The first payment was made on time on XX/XX/XXXX as evidenced by my bank statement from that time ( Attachment B ). Ive included the second bank statement showing the on time payment ( Attachment C ). I can provide evidence of every single payment being made on time, however it seemed excessive. Especially since XXXX XXXX is WELL aware that every payment was made on time.
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This loan was not included in the bankruptcy. I signed and submitted a reaffirmation letter XXXX XXXX, however they did not sign and return it in time for it to be filed with the bankruptcy.
The month I filed is the month that XXXX XXXX is reporting as the date of 1st Delinquency. Indeed this is not the case as I have provided proof of payment from XXXX XXXX for that month as well as every single month on time from XXXX ( Attachment D ) when the account was sold to M & T bank. Attached is the email from XXXX notifying me of the change effective XX/XX/XXXX ( Attachment E ) XXXX XXXX XXXX XXXX XXXX as serviced by M & T Bank sent notice on XX/XX/XXXX of new account XXXX. Statements showing this change and on time payments since that time are attached ( Attachment F )
|
| 09/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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M & T Bank attempted to foreclose on my family 's property. I believe that the fees, legal expenses, and interest were excessive and the accounting inaccurate. My family hired an attorney to fight these charges and avoid foreclosure. The bank made no effort to correct its fees.
On XXXX, XXXX, XXXX, I paid off the entire amount of {$61000.00} to avoid the foreclosure.
With the foreclosure stopped, I reached out to M & T Bank about the excessive fees.
M & T Bank agreed that some of the fees were excessive and issued a refund check in the amount of {$1300.00} in the name of a deceased relative who has not owned the property since XXXX. The check can not be cashed, as the estate of the relative has been dissolved.
I contacted M & T Bank to re-issue the check in my name, As I had paid off the mortgage. I also indicated that it would be acceptable to issue the check in the Name of XXXX XXXX, who was the current owner and who was also named in the Foreclosure lawsuit.
M & T Bank refused to re-issue the check, nor would they consider refunding any additional fees.
I want the CFPB to examine all of the fees charged and instruct M & T Bank to refund all of the fees in a check that is written to an actual, living person. The check can be made out to me, XXXX XXXX XXXX, as I paid off the mortgage and now own the property or it can be made out to XXXX XXXX, who was a party named in the foreclosure lawsuit, and who owned the property during the foreclosure process.
I have attached copies of the original payoff letter with the breakdown of fees, and deeds showing the chain of ownership.
The
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| 03/11/2022 |
Yes |
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- Trouble during payment process
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Web |
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I Requested a Covid Forbearance in XX/XX/XXXX. I ended my forbearance in XX/XX/XXXX and applied for a loan mod. The bank approved my loan mod with lower payments and completed the partial claim to place a portion of my balance to the end of the loan per FHA guidelines.I had a {$1000.00} in suspense. When they approved me for the loan mod they told me I had to pay ( 3 ) trial mod payments and since I had {$1000.00} in suspense it could be used towards my first mod payment. I was dealing with a manager XXXX who was kind enough to help me get everything set up. She told me my first mod payment would be {$1400.00} but they were using the {$1000.00} already in my suspense bucket so all I had to pay was {$420.00} which I paid. Since then I paid all of my trial mod payments and my XXXX and XX/XX/XXXX mortgage payment. As of today they still have not processed my loan mod in their system I can not make my payments online I do not have online access and they have all my payments in the suspense bucket. I have {$7100.00} sitting in suspense. What makes it bad I get a call from XXXX at M & T bank and tells me I am due for my XX/XX/XXXX paymentI told him absolutely not I am current and owe my XXXX payment. He then said that when I made my first mod payment I was not allowed to use my money that was in my suspense bucketnow I am very angry that was my money I paid during my Covid Forb that loss not told me could be used for my first trial payments. Something has to be done one hand does not know what the other hand is doing and I am tired of being harassed. please help me or do I need an attorney
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| 09/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Case # XXXX-Update I wanted to add more detail to my response to MT Bank response : -XXXX-check received by MT Bank with letter was attached that broke down the insurance checks MT had already and a check for remaining balance was sent to MT as instructed by MT. Check was mailed back.
XXXX XXXX - overnighted check - letter was attached that broke down the insurance checks MT had already and a check for remaining balance was sent to MT as instructed by MT.
-XXXX - Postal tracking confirmed MT received the check. Spoke with XXXX at MT-she confirmed that this payoff needed to be processed AND informed me that SHE was immediately reaching out to the attorneys so that house did not go to sheriff sale. Two days later house listed for sale.
Payment not processed- check mailed back AGAIN- different story every time MT Bank is called.
-Spoke with Attorneys- Overnighted the same check on XXXX/XXXX/16. It is now XXXX/XXXX/16 and account is still not paid off.
-M T Bank has had the first two insurance checks since XXXX.
So there response that they can not waive fees is not only ridiculous but should be illegal. There should be notes all over the account at MT of all the discussions. The time spent on phone calls ( which were usually hour or so long ) is frustrating and stressful. How do they get away with treating consumers like this. There should be a class action brought against M T Bank-reading other consumer complaints on the consumer protection bureau about this same treatment makes me wonder how many consumers were charged more then they should of been or worse yet lost there homes.
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| 04/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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My M & T Bank check card has had several security breaches in the past year. I had several foreign and out of state parties steal my check card number to make online purchases. I contacted my bank to report the transactions as fraudulent. One of the purchases appeared to be for this company XXXX and XXXX internet AG. There were several months of charges from this company made by this fraudulent individual ( s ). I contacted my bank as soon as I realized the fraud occurred. M & T bank replaced my card and resolved many of the charges. However, XXXX and XXXX com did not cease the fraudulent action. I contacted them directly to advise that this was fraud and to cease billing me. I asked them to tell me what the service was form what name was used to open the account etc. They refused to verify the debt with me and they refused to refund my money. I explained again that I dispute the charges and they are fraudulent and they refuse to cease collection. They now call my cell phone, a number that they never had until I called them. And they are even sending collection notices to my place of work -- -an address that I never provided to them. My name is not affiliated with my work address at all and my work address can in no way be construed as a residence. The company is willfully skipping my place of employment and disclosing my debt to my employer by sending collection notices to my place of work. They have refused my request to verify the debt and they have been advised that this is disputed and fraudulent debt. I am at a loss for how to make this company cease and desist their actions.
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| 10/07/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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We applied for and were approved for a loan modification. After the third trial payment was made in full on time we were advised of a judgement/Lien. We took care of this immediately and provided the mortgage company with a warrant of satisfaction which was obtained from superior court. This warrant states that the judgement in question was paid in full and judgement closed. The mortgage company then requested county recording information. As it appears our county does not do this and was unable to provide us the requested documents. The county records clerk provided us with a letter stating this letter was not available, which we also forwarded to the mortgage company. Upon follow up, we were advised that our modification was closed, they would not allow us to talk to loss mitigation, actually refused to transfer to that department. After stating our obvious disagreement, we asked mortgage company to send out a workout package. We called to follow up because we did not receive the packet, and was advised to print it out. A few days later we received a letter stating the sent our file to attorney to commence foreclosure proceedings. This is absolutely unfair.
In addition our mortgage company did not record our mortgage with the county until approximately 4years after obtaining it. They want to hold us accountable for not being timely submitting a document that does n't exist for us but can not be heldheld accountable for their insufficiencies with the same entity ( county ) I feel we are being bullied and not properly treated. Any assistance will be greatly appreciated. Thank you
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| 09/06/2017 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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XXXX XXXX has " PAID '' electronically on XXXX XXXX, 2017 the amount of XXXX XXXX XXXX dollars and XXXX cents {$520.00} towards my M & T Mortgage loan ( ending in XXXX ) for the month of XXXX 2017, and I am responsible for the remaining balance of {$350.00} as this is my last homeowner assistance payment per the letter I received on XXXX XXXX, 2017. On XXXX XXXX, 2017 I called the M & T Bank General Customer Service phone number and spoke with M & T Bank employee XXXX whom stated that the payment is not there. I called back again after speaking with XXXX XXXX XXXX XXXX and I last spoke with M & T Bank employee XXXX XXXX, supervisor ( so stated ) in regards to my XXXX XXXX, 2017 mortgage payment. XXXX XXXX whom stated that works in the Mortgage Assistance Department with M & T Bank that she would need to send an email to another department that receives the Mortgage assistance payments and will note my account. XXXX XXXX XXXX program stated that the payment was sent electronically to M & T Bank on XXXX XXXX, 2017 in the amount of {$520.00}, and The PAYMENT is THERE. I find it ludacris that with all that I spoke with at M & T Bank today, XXXX XXXX, 2017 claims they can not find the payment made by XXXX XXXX. Later I went ahead and paid the full amount of the mortgage of {$880.00} online for the month of XXXX 2017 mortgage and want the amount of {$520.00} " CREDIT '' towards XXXX 2017 mortgage payment. The last XXXX XXXX Assistance payment should not have been returned and the employees I spoke with at M & T bank claims that the last homeowners assistance payment is not there.
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| 07/24/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On Sunday XX/XX/XXXX I received a call from M & T Bank 's Fraud Department advising me my checking account has a recent charge for {$41.00} and asked me did I authorized the charge. I advised no I did not and the representative stated the account will be close due to fraud, a credit would be given to me for {$41.00} and the {$39.00} overdraft fee would be waive, a new card will be sent, and I would also receive a form to complete to explain the fraud activity as not my own. On XX/XX/XXXX I received a letter stating the provision credit of {$41.00} would be deducted from my balance since I did not send in the fraud form. I did not receive any fraud form in the mail. I called again and a represent stated an email would be sent the fraud department asking them to send another form and not to deduct the {$41.00} from my account on XX/XX/XXXX. However the charge was still deduction and when calling on XX/XX/XXXX the representative said the {$41.00} can not be added to the balance on my account until the fraud forms are received. Its to my understand that when a person is notified by the bank of fraud activity the fraud charges are the customer 's responsibility and there is a 60day review time before a final decision is made. M & T bank did not give me 60days. They initiated the call since there system recognized the fraud activity yet I am being penalized for being a victim of fraud. I did not order any magazines not did I authorized any reoccurring charges on this account with M & T. Can some assist me with the matter. I am asking for the {$41.00} to be added back to my account.
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| 06/14/2016 |
Yes |
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- Settlement process and costs
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Web |
Older American |
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In 2007, I applied for a reverse mortgage loan secured by my personal residence from XXXX XXXX Bank, who has since merged with M & T Bank. The purpose of the loan was to cover catastrophic healthcare medical costs for my daughter, who had a XXXX that make me incurred in medical expenses in excess of {$9000.00} a month.
After being told that I was approved, I executed multiple loan documents that the Bank communicated were to document the reverse mortgage loan. In reality, the Bank has instead given me a commercial line of credit that was made to look similar to a reverse mortgage and that allowed them to draw on such line of credit and have agents of the Bank invest on the drawn funds. The funds so invested were wiped out and the loan fell into default.
The original Loan amount was {>= $1,000,000} and the Initial draw 's monthly amount was {$10000.00}. From this amount {$6500.00} was used to pay first the interest on the mortgage, and I would receive the remaining {$3500.00} The Bank has now threatened to initiate foreclosure actions against me for defaulting on a loan that was doomed to fail from the very beginning. I relied on the Bank representations that they were going to invest the loan proceeds and that through their financial savvy I was going to have income for life.
I did not have the capacity to understand the complex commercial transaction that the Bank induced me to sign. The commercial line of credit that they induced me to sign for allowed the Bank to invest all of the loan proceeds in the stock market ; and to my detriment, they lost more than {$400000.00}.
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| 03/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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M & T Bank mortgage. Our home is in Florida. We received one month 's mortgage forebearance after Hurricane Irma on XX/XX/XXXX because my husband was out of work for almost a month. M & T referred us to XXXX who advised us to overpay our mortgage payments in XX/XX/XXXX and XX/XX/XXXX in order to avoid having to go on a payment plan. We did so. In XX/XX/XXXX, we realized they had applied the overpayment to the principal, not the missed payment. Called M & T was assured it was sorted out. In XX/XX/XXXX, I called M & T upon making the final portion of the missed payment to ensure all the money was directed to the missed mortgage payment. Was assured that it was. In XX/XX/XXXX, we received a {$59.00} late fee, notice of missed mortgage payment. Called again. Was refunded the {$59.00} late fee and assured AGAIN that the overpayments were applied to the missed payment. In XX/XX/XXXX, had ANOTHER {$59.00} late fee and notice of missed payment. Spent another hour on the phone with rep. It now appears to be sorted out ; however, our XXXX statement of mortgage interest for XX/XX/XXXX is understated by one mortgage payment or approximately {$800.00}. Was assured on Monday, XX/XX/XXXX that the statement would be corrected and would be available in a couple of days. Called again on XX/XX/XXXX and was told the statement hadn't even been ordered. My taxes are already with the accountant and the amount will have to be estimated now. I would like to know how to report M & T for fraudulent business practices. Misreporting mortgage interest on a federal form would seem to be a crime to me.
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| 06/09/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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I applied for a mortgage modification on XX/XX/XXXX , and was denied on XX/XX/XXXX . I was told via phone by XXXX XXXX XXXX , a home assistance representative from M & T bank, XXXX , that I was denied because my debt to income ratio was over {$2000.00}. The banks decision was not based on the completed budget sheet that is required in order to have a completed mortgage modification application. Moreover, I was told that even though my budget showed that my income could meet the monthly mortgage payment, the standardized, according to XXXX deduction, stated by XXXX XXXX XXXX , was used to make the denial decision. In addition, I was approved for a loan modification XX/XX/XXXX , which was based on {$2100.00}, which I was approved for a modification. The modification was based on an income of {$3000.00} which I was not receiving at the time. Currently, I had a decrease in income of {$800.00} dollars. This is why I am asking to M & T to modify my mortgage for a second time.
I wrote to the mortgage company to request that my mortgage be subsidized and if the lender could make use of the PMI for the money loss as a result of the missed monthly payments that have not been applied to my account. Additionally, I asked that the mortgage refinance and write down my mortgage so that I can stay in my home.
I currently have a foreclosure mediation date scheduled for XX/XX/XXXX and hope tht this complaint is resolved before that date. In addition, my source of income is Social Security XXXX , which is my primary reason for the change I am requesting.
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| 11/18/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I closed my credit card and checking account with M & T in XX/XX/2019. The balances of both accounts was {$0.00} when they were closed and I was informed by the bank that no further charges could be made on the accounts. On XX/XX/2019, I received notices from credit monitoring services of a past due amount associated with the credit card account. I do not have access to this account and received no notifications related to any collection attempts. In addition, there should be no balance since I closed the account at {$0.00} and your bank should not have accepted any further charges, consist with what I was told when I closed the account.
I contacted the bank via email ( XXXX ) on XX/XX/XXXX and have not received a response. I called the customer service line ( XXXX ) and spoke with XXXX on XX/XX/XXXX and discovered that the total balance due was approximately {$100.00}, with {$35.00} of that being from late fees, {$57.00} in charges, and the remaining amount being from interest. The customer service department agreed to reverse the late fee and forwarded me to the collections department to discuss the balance due. I spoke with XXXX in collections and was informed that the account was no longer accessible to the collections department. She indicated that the company 's policy was to keep the account 3 months in collections and 3 months in recovery, but my account had apparently been handed off to collections after 3 months and M & T no longer had access to it. To reiterate, I have not received any notifications of any type from either the bank or a collection agency.
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| 03/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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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.
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| 10/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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|
I have had numerous problems with this bank, M & T Bank, mostly with fees. Over the past few years I have had thousands charged to me in fees. Albeit a lot is due to overdraft charges due to financial struggle related to the pandemic, but I have had my statements changed around to depict me over drafting my account when it was actually M & T charging me account service charges.
I have had deposits essentially go missing, in part or whole, and have never gained any assistance from the bank or even any concern over my well-being, though that is purely a customer service issue.
Recently I deposited a $ XXXX check that was a 1 day clear check from a bank and customer Ive dealt with before so no issues of available funds from the issuer of the check. I was told the check would be available after the holiday and that the holiday delayed it, which I havent had issues with before, and then today I was told a four ( 4 ) day hold was placed on my account, although they are allowing other charges to go through and continue to overdraft my account which will cause me to have even more fees.
I am convinced this is retaliatory, unfair and continues this trend of M & T causing their consumers to be charged fees, which in my research I have found this bank has had legal troubles in the past with this same issue. This action leaves me with no money, is inconsistent with hundreds of other deposits Ive had with this bank with no issue and is causing me even more financial hardship with the charges this will create.
I believe this bank is acting, in the very least, unethical.
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| 03/30/2021 |
Yes |
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- Struggling to pay mortgage
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|
Web |
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XX/XX/2020 : I received a letter correspondence from my mortgage company stating that I was qualified for the home modification process.
The following week I received a call from the mortgage rep confirming that I was qualified for the mortgage modification and was given specifics on how much my interest rate would be and the total amount due each month, starting in XXXX.
I then proceeded to inform him that those figures were not on the correspondence that I received from the mortgage company the previous week. His next words to me had me wondering about M & T.
He stated to me that the letter was incorrect. It could be an advertisement, and if not, it was sent out in error. With my insistence of the validity of the correspondence I received from M & T he asked if he can put me on hold and check with his supervisor.
He then came back and stated " oh yes I see it, but that was sent in error '' " we don't offier that rate anymore.
He could not tell me who sent it out, when did they stop offering that rate.
What was intriguing its the amount that I did mention in previous conversations that is feasible.
I am not quite sure where do I go from here. Do I pay the amount they are telling me over the phone or the amount that is listed on the correspondence from them.
I was told if I do not start payment I would forfeit my modification.
Can they change their minds in the middle of the modificaiton?
Do I believe any of the correspondence that I have received from them?
I believe they should be held accountable for the information in the correspondence.
|
| 03/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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|
In XXXX of 2017 I transitioned into a new job. Almost immediately at my new job I experienced inappropriate behavior by my superior which caused me to quit. In the coming months I experienced XXXX, XXXX and gained XXXX pounds. I also was struggling to pay my mortgage due to loss of income and the XXXX. Finally at the end of XX/XX/2017 I was able to get a job. I have called the mortgage company, M & T Bank, to start the process of catching up on my mortgage payments. I offered to make payments to M & T Bank every other Friday until my mortgage is current. On the day that I called the representative stated that they had placed my mortgage in foreclosure that very day. Literally the day that I called. I told them that I find it no coincidence that the day I call is the day they place my house in foreclosure. I again offered to make payments every other week until I'm caught up. I said I would give them all my money for the next couple of months. She stated that I would need to send them over {$7000.00} that day to stop the foreclosure. My only other option is apply for a loan modification loan, which offers no guarantee I will be approved or that the foreclosure will be stopped. While they decide to approve me for the loan modification, the foreclosure will continue to proceed. M & T Bank has a consumer who is very willing to make payments to bring their mortgage current. I do not want to be homeless, I just want to pay my bills and take care of my family. They have made a very difficult last few months infinitely worse. Please help me save my family and our home.
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| 10/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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On Sunday XX/XX/2022 I contacted M & T bank formerly Peoples ' United Bank since they did not move any bank statements from People 's United to their computer system and only have 60 days worth of transactions online to view. I asked for at least the last years worth of statements. I received a message that the statements were ready but that was only for the month of XXXX. So now I have XXXX and XXXX of XXXX. So I called and spoke to a pleasant customer service rep who said she could not do a full year but could transfer me to a specialist who could probably help. So after all the waiting I speak with the specialisXXXX and told her the situation and explained I need this info ASAP. She tells me it's in process since I made the request 2 days ago so I only have 8 more days to wait since it's 10 days for this request. I explained that is not going to work as this is my bank info and I needed it in the next day or so. She explains that it is my fault that M & T sent a message to the future customers that it was their responsibility to grab their statements from Peoples United and she could not help me. I explained that this was not reasonable and that just because- And as I was trying to explain this she hangs up. And it was a definite hang up. I will be closing my account with M & T but I need my statements that should have come over from my previous bank and sooner than 10 days. This should have already been done when switching over the systems as was done when People 's United took over United bank a few years ago when we had to go through this process then.
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| 10/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Applied to refinance our home with XXXX XXXX NMLS # XXXX at M & T Bank.
We were never told about paying points. When estimate came to us it had {$3700.00} in points on it. It took us emailing and calling 10 days to XXXX with finally a response. XXXX tells us on the phone dont worry about it because our appraisal ( we paid for {$550.00} on XX/XX/XXXX to M & T ), the LTV was so great, we dont have to pay points anyways. XXXX told us to sign the estimate docs to keep process moving forward and he will fix it. This refinance is going on almost a 2 month process. The next estimate we get from title company still has points. XXXX XXXX, Mortgage Processor NMLS # XXXX, was assigned and I told her from the start the points were supposed to be fixed to Zero points before the settlement estimate is completed. XXXX tells me that on XX/XX/XXXX the underwriter submitted the change and she never followed up. XXXX tells me she never heard back from us-I shouldnt have to constantly keep on top of M & T Bank to make sure they are doing their jobs. We have back and forth emails with us asking them is it fixed? When can we close? Etc. XXXX follows up and tells us XXXX lowered the points by half ( which would still be {$1800.00} approx ) out of our pocket and he also reduced our loan amount by {$500.00} without speaking to us! XXXX has never followed up or spoke to us since XX/XX/XXXX. All communication has been through XXXX since this date. XXXX has requested XXXX to contact us twice in which he has failed to do so. This whole process has wasted almost 2 months of our time!
|
| 12/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
XX/XX/XXXX I took out an auto loan with regular payments being made on time. As of XX/XX/XXXX I missed a few payments due to changes in my work hours. XX/XX/XXXX M & T Bank granted me an extension on my auto loan which took my two months that I was late and pushed them to the end of my contract agreement. Which in most if not all cases XXXX out those months and XXXX out any late fees that may have been calculated for those months. Well in my case they did not do that the company just added those fees to my next months bill. XX/XX/XXXX through to XX/XX/XXXX over {$1000.00} to get everything caught up to date. This company has attacked my credit score status stating that my account is delinquent and no payments are being made ruining my credit score. Their account system is very inaccurate 7 months out of my account are dated incorrectly. M & T Bank also claims that they are a debit collection agency which seems to be a conflict of interest if they are a bank. The harass you by calling multiple times a day within a week. It seems like no matter how much money I try to put on my account it does n't seem to get caught up to date. It also seems like no one knows the TRUE POLICY when a customer sends money in early. The also do not let you state where you wish your money to be sent or disbursed. I do not know how to attach copies of all my paperwork but I can mail it to you if want a copy. M & T Bank also makes it very hard for any other banks to buy out my loan they either do not answer the phone or they hang up on the bank that is trying to buy out from them.
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| 06/29/2017 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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I submitted a request to modify my loanXX/XX/XXXX to M & T Bank via XXXX XXXX XXXX because I was having financial difficulty. The modification was not completed until XX/XX/XXXX and the foreclosure process was initiated in XX/XX/XXXX. The loan company did not allow me to stop the modification process and enter to a re-payment plan. They stated that I was still in good standing and the loan modification was ready for completion in XX/XX/XXXX. However, the company continued the loan modification process requesting the same paperwork numerous times and allowing critical paperwork to expire. Missing documentation letters they claimed to have sent to me were not sent but manufactured after the fact. I have requested that a list of dates that requested documents were received and scanned to compare them to these documents. I believe it would show that the documents they claimed were not received were in fact in their possession. After assuring me I would not go into foreclosure, the foreclosure process had already begun. The company refused to send this info as it would show that the missing documentation letters were addressed in a timely manner and the delay was on the part of XXXX XXXX XXXX. When the trial modification was complete, the loan was higher than the previous loan I was trying to modify. I was ordered to pay {$470.00} instead of {$440.00} per month, a net increase of XXXX and I also have to pay {$4700.00} in foreclosure fees, which could have been avoided if the organization would have been able to process information for the loan modification.
|
| 10/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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On XXXX XXXX, XXXX, I noticed a fraudulent transaction on my M & T checking account. I was charged {$1000.00} by a company I have never heard of called XXXX 's XXXX Fix. I immediately called the customer service line, and was told by the representative that the transaction did look suspicious, and that my card would be replaced, and the funds given back to me.
On XXXX XXXX, I received a letter from M & T Bank, saying that the transaction was not fraudulent, and that they were taking the {$1000.00} back from me.
I immediately called the customer service line, again, and was told that my card number, cvv, and signature were used in the transaction. Note that the card was not present for this fraud. The representative then told me to submit my work time verification, because I was at work on the day of the fraud, and an affidavit disputing the transaction. I was told if I did this then the case would be reopened.
I had submitted the time sheets with a formal affidavit to dispute this fraudulent transaction, and have not heard from M & T Bank since.
At the time of the fraudulent activity at XXXX 's XXXX Fix, I did not own a vehicle. M & T has since threatened to close my account and give me a " unsatisfactory '' on my record because the fraud has left my account negative.
This transaction is not legitimate, my money was stolen, and M & T Bank is choosing to threaten and attack me because I am an individual. They have done nothing for me, and have sent me no reply since I have sent them the documents they have requested. Please help, thank you.
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Dear CFPB, I am writing to express my concern over the lack of proper handling of personal information at XXXX XXXX XXXX XXXX , M & T Bank XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX. Thus, The Credit Bureaus have failed to uphold their duty of the Fair Reporting Act.
I have been a customer at XXXX XXXX for many years and was never informed about their mixing of business and personal bank accounts and allowed to lock both accounts. I wish to know how this happened and how it is going to be handled moving forward.
XXXX XXXX had failed to inform me about a charge off about to happen which hurt my credit and must be notified before that action takes place.
M & T Bank in XXXX XXXX DE, has not used operating agreement to pull two credit scores and never submitted our XXXX. A previous Bank Branch Manager at the XXXX XXXX, DE, Lied about the process hindering our growth.
True access capital in XXXX, DE had wasted three month of our valuable time and we had stopped growth because of this. There non transparency had made the business shift gears in the wrong direction They miss more documents that are paid up and are losing grip of growing and sacrificing personal credit for the business. We are afraid of the banks breaking rules and taking funds illegally. If I can remain anonymous as to who made the inquiry to protect my business especially XXXX XXXX, much appreciated.
Please look at 12 USC 1431 at how businesses are entitled to some amount. Thank you!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX Peoples Bank became M & T bank and without my permission or knowledge they withdrew all the money in my account {$5400.00} and closed my checking account.
I filed a claim and it was denied. Banker said it was a debt owed to them by my ex Husband. I have not seen my ex since XXXX and know nothing of his debt and I am not responsible for it. MT needs to contact him.
That was my money and my paychecks that I deposited, which I needed to feed my children and pay my mortgage. I am a single mom with XXXX kids, working every day to support her kids by herself with no child support. MT bank has no right to steal my money and needs to return it immediately!
MT bank stole my paychecks, Stole my money. they are thieves. I worked for that money to raise my children. they stole the food from my childrens mouths.
I want my money returned. They had no right to steal it.
This caused a reaction of returned payments on credit cards. I was charged fees and had accounts closed. Including my loved XXXX XXXX which offered 5 % discount on all purchases. I used this account to buy all our groceries and home and personal needs.
I am asking for my money back XXXX plus {$3000.00} for fees and hardship caused by MT banks actions.
BANKS SHOULD NOT BE ALLOWED TO STEAL MONEY FROM SINGLE MOMS AND DESTROY LIVES!!!
DID THE BANKER AND HIS KIDS GET TO EAT? DID THE BANKER PAY HIS HOME?
Please help me and my children get back on our feet and return what is rightfully ours.
Banks should not be bailed out! Humans first!
I thank you in advance for your help XXXX
|
| 04/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I was trying to send payment to a company ( XXXX in XXXX, FL ) I had problems with bill pay and XXXX. It tried to send payment twice. I was able to cancel one payment and the other did not seem to go through so I upgraded so I could send a check to the company electronically. Then the web payment went through as well. I called M & T who is my bank and they said they would stop payment on the web payment. The check seemed to be processed as expected. I saw that the check had cleared and thought all was well. I heard from XXXX today that they never received the payment. I have a copy of the check on line from M & T that has no information on the back regarding who or where it was cashed. I spent over 3 hours with M & T today, talking with various people, none seem to have a clue what happened except my {$2500.00} is gone. I finally found someone who said the policy is to submit a form to have the bank investigate what happened. First I was told I had to go to the branch office. I live XXXX miles from the branch office. Then they said they could mail it to me but could not email it. Then they said it would have to be notarized. I work as a XXXX M-F XXXX, good luck getting it notarized. This M & T Bank has shown themselves to be pretty inefficient in the past, but releasing my funds not knowing to whom or where it is going is inexcusable and now it appears the money is lost and M & T does not want to own the blame. I did everything right and they did it wrong. I need some assistance with a bank that is not safe to be holding peoples money any longer.
|
| 11/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
This is ridiculous and unacceptable. My card got STOLEN, and XXXX & TXXXX Bank made no attempt what 's so ever to contact me through phone, or direct message to my mt bank account. This is crazy I ca n't trust a bank to help me, when indeed my card got stolen and funds taken out!! Of course the transactions were processed correctly, because the money came out the atm, but not into my hands!! I am complaining about my money being stolen, and I need my money back asap!! I work too hard, and with my dad just passing away all this is crazy! I will need resolve to this problem soon, because I will seek further means to get my money back. This is bad business, and banks practices in not helping their customers new or old!! I will contact the consumer financial beraeu, and keep going from there to get my resolve. I am here waiting and thinking the bank is helping me, and instead you do n't notify me until I called or messaged you guys. SICK! YOU WILL HEAR FROM ME EVERYDAY, until this fixed. They said they sent a letter the XXXX that I never got! They did n't call or anything for additional info, they say 10 days to issue a credit, but do their process in 3 days dending your claim.How is that right. I dint have a police report, because the kid who stole my money got fired on the spit for stealing. They have all these terms that as a customer you have XXXX liability for fraudulent charges, yet nothing is done to help me. At that they keep charging my account fees! How is this right in any way?! I will pursue them everyday until I get my stolen money back.
|
| 02/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Property address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original loan XX/XX/XXXX {$650000.00} with Hudson City Savings Bank at a fixed rate of 5.375 % for 30 years Sometime in XX/XX/XXXXHudson City Savings Bank was merged with M & T Bank. During the entire loan time we made mortgage payment on time every month. During the next few years M & T Bank indicated that some months we were short on payment and we sent in additional payment to cover without asking why. In XX/XX/XXXXwe changed insurance providers for the coverage of the house and the bank and insurance company didnt communicate and we got charged additional fees {$500.00} per month for several months. Once we provided proof of insurance without any gap in the policy they only gave us partial credit for the insurance and still demand us to pay the balance for the insurance. The insurance for the home is paid directly by us. In XX/XX/XXXX we received a invoice indicating that we owed {$19000.00} M & T bank. This was a complete shock to us and we started to see look into what is going on. Well the first thing we see is that the bank changed the rate from 5.375 % to 6.375 %. We immediately contacted the bank and all we got is run around between transferring us from one person to another person. We gave up and went to local branch to see a someone in the branch to help us. We got similar run around indicating we need to schedule an appointment with an agent to see if they can help us.
Hudson City Savings Bank XXXX Account XXXX XXXX M & T loan account # XXXX
|
| 09/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On Monday, XXXX XXXX XXXX, I tried to get a passcode from M & T Bank, to access information about my bank accounts, instead of having to provide the first 5 digits of my Social Security number. I did this on the advice of the local police department, which advised citizens to take this action in light of the XXXX hack. I spent hours on the phone and even visited a local branch of my bank. I was given wrong or contradictory information on the phone and in the bank and was kept waiting on the phone and in the bank for inordinate amounts of time. I never was able to register my concerns about bank security or get a passcode.
On Wednesday, XXXX XXXX, I phoned my Congress member 's local office to ask for their help. They tried to contact the appropriate department of M & T Bank but were also given a run-around. I 'm very concerned that an identity thief could easily gain access to my account information via the bank 's automated customer service on the phone, and the bank appears to be completely unconcerned about this big hole in its security system. M & T Bank should stop using social security numbers as identifiers and provide any customer that asks for one with a passcode. It 's also frustrating that the bank systematically conceals contact information from its customers, making itself inaccessible and unaccountable. It 's impossible to find relevant phone numbers for its security office on its website or from phone customer-service personnel. Because of the XXXX hack, the bank should take action to correct these problems as soon as possible.
|
| 07/26/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
M & T Bank XXXX XXXX XXXX XXXX MD XXXX I have Home Equity ( HE ) Line of Credit with M & T Bank, we have been paying regularly and never been late. In XXXX we received a call from M & T bank that due to COVID 19 hardship we can have 3 months payment suspension and bank will not report it late. They deferred the XXXX payment but in the month of XXXX, they took out XXXX payment {$450.00} on XX/XX/XXXX2020 from my M & T checking account made me negative balance in my M & T check account. On XXXX XXXX I was charged XXXX as over draft fee and my total negative balance become - {$310.00}. I called the bank, after the long hold and transferring me to few departments in HE they told me it is M & T HE department fault and they will reverse the XXXX amount soon. As of today XX/XX/XXXX20 ( after 15 days ), I am still in negative balance of - {$110.00}, as last week my direct deposit of {$200.00} came in. M & T is keep on charging me {$38.00} of over draft fee. From XX/XX/XXXX I have been calling M & T every other day, On XX/XX/XXXX, they filed a complain ( # XXXX XXXX name XXXX ), upon my request. I have spoken to M & T representative ( s ) : -XXXX XXXX -XXXX XXXX and XXXXXXXX XXXX . Some the customer service representatives were very rude and unprofessional. My checking account and HE are in M & T bank but I am surprise no one knows there how to reverse and fix the issues.
I am very disappointed with M & T Bank as I have to spend almost 2 hours to get hold and talk to M & T customer server rep. every other day starting from XX/XX/XXXX.
Thank you.
|
| 05/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My name is XXXX XXXX. I am baking with M & T bank, with the branch located in XXXX, PA. A month ago on XX/XX/2018 I went to the ATM next door to the banks branch to try to deposit money. After putting a {$50.00} bill inside of the ATM, the ATM spit out a receipt wasting error on it. Without giving me my {$50.00} dollars back. I called the offices of the bank and told them what happen. They on return gave me my money back which appeared on my card on the XX/XX/2018. Now today over a month later XX/XX/2018as I am preparing to go home from college for summer break, I check my account and its the {$50.00} have been taken out. When I called them bank they told me my dispute has been denied stating that they wont investigate any further and how it may be possible that someone could have gotten the {$50.00} on there card if they came into the place after me. After basically agreeing to this the told me they wont investigate no one else card because no one else filed a dispute. I mean of course no one will file a dispute if extra money appeared on there card. They also told me they viewed the cameras and couldnt see what I was doing on the ATM Machine. Which is outrageous because what is the use of the cameras. They told me they wont give me my money back and wont investigate any further. Although {$50.00} May seem like little money to be complaining about losing, I am a student who is struggling and need that money to get home. I am also a customer with this bank and for them to not help with finding my money because it benefits them is ridiculous.
|
| 12/12/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Ref : CFPB Consumer Complaint ID # XXXX.
I have been a customer of M & T Bank ( and Wilmington Trust which it took over ) since XXXX. M & T Bank insists it needs additional information from me such as my drivers license number and my occupation in order to comply with XXXX, and XXXX regulations.
However, all public information I can find says that is not the case.
All indications from the government is that the XXXX only applies to new customers ( after XXXX ).
Here are links to back that up : XXXX XXXX XXXX XXXX # XXXX Since I have been a customer since XXXX, I am not covered by those rules. Please provide me a link to information indicating I am wrong if you disagree.
Note : I have attached the letter I have received as a result of you sending them my first claim. But as you can see the letter is just a restatement of their claim that they are required to collect this information but does not address all of the links from government sources that say they do not. They state that XXXX regulations require that but yet another link XXXX # XXXX directly refutes it. So if the CFPB just sends my complaint again to M & T Bank it is not clear to me how I am going to get anything more than just another similar letter that just claims they have the right to collect information with vague reference to rules that they claim say they do without providing clear enough references ( links ) that I can look-up and validate their claims or something that shows that the multiple references I have consistently provided are in fact outdated and incorrect.
|
| 01/29/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello, M & T Mortgage has given me the run around. I have a VA loan and I am also working with a HUD Housing Counseling Agency. I was out of work and since XX/XX/2019 I started a new job. I have resolved my reason for delinquency and have provided the mortgage with all required documents. I have since XX/XX/XXXX have been told that they do not have my paystubs and then the reprehensive that I speak to finds them and then tells me they have everything. This is every day since XX/XX/XXXX. I was told on XX/XX/XXXX that my file would be escalated to the Intake Department. I am still getting told they do not have my paystubs to this day and then told they have them. My housing counselor was also told that there is not a required timeframe for follow up concerning the escalation. So in other words they are stalling and not communicating to me or my HUD housing counselor what is going on with my file and are telling us that there is nothing we can do about it and that we are not able to speak to anyone to get the issue resolved. My housing counselor also requested to speak to the office of the president and was denied. The mortgage company is not helpful and will not provide accurate information to help mitigate the issue. Please help. If this is happening to me I assure you it is happening to thousands of others. I have also reached out to the VA and they are trying to help with the issue but any additional help would be helpful. The lack of communication between mortgage companies and borrowers is completely out of hand and should be addressed.
|
| 06/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2023 in the afternoon before bank closing time the bank manager located on XXXX XXXX XXXX in XXXX, NY XXXX refused to allow the withdrawal of funds when given a photo identification and other proof of identification at the branch location. The funds in the bank are in the amounts of {$320.00} savings and {$5.00} checking. Both bankers were very rude, and questioned me regarding the transactions on my account. They suggested that I was receiving illegal money for the deposits made to the account, each of the deposits are the same payor as it has been for the last five years. The bank was abusive to me, made me sit in the middle of the bank while the manager went into her office and then came out questioning me in front of other customers about by account. She then said she had a " meeting '' and that I would have to wait. The next person who came out to assist then took me over to a cubicle where the identification and transaction confirmation, statement review was done to show that there have been several deposits made and this is not illegal for someone to have money in their bank account. Being this person was supposed to be a banker, I should not have had to explain myself regarding why I had money in my bank. The questions were innappropriate and the banker was very abusive. She refused to allow me to have access to my own money or bank account and she is a contributor to human trafficking in New York state. I have been humiliated and assaulted as a result of this and other incidents regarding my own personal bank accounts.
|
| 04/11/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I had a boat loan with M & T bank and was making on time payments. I received a letter from them stating the loan had matured XX/XX/XXXX and I owed a Principle balance of XXXX and late payments of about {$2700.00}. They never sent me anything previously and I was making on time payments at the time payments that they were stealing them and putting towards the late payments. Because they stated I could no longer make payments, I had to pay the balance off. This caused the 60 delinquency which shows on my credit report for XX/XX/XXXX and XX/XX/XXXX. Further, they refused to let me pay off the principle of {$820.00}, stating they would take nothing but the full amount, principle and late fee, which I had disputed several times and do not agree with. They forced me to make a deal to pay off the principle and half the late fee or else they would continue to report this as delinquent every month. Again, I was making on time payments and have no idea how they could say the loan matured and force me to pay not only the principle but late fees I do not believe I owe.Please find the bill they sent me XX/XX/XXXX which only had the principle on it and find the release which is dated in XX/XX/XXXX, but they state I made no payment that month even though I paid them {$2100.00}, much of it that I do not feel I owed. I only paid it because they threatened me with continuing late payment charges, late payment reporting to the credit bureaus and then repossessing the boat. All threats they made to me and told me my only option was to settle the account.
|
| 10/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have a business checking and savings as well as a personal account with M & T Bank which has been open for roughly XXXX years. When I opened the account, I was incentivized to have any fees waived by opening a business and personal bundle. XXXX accounts waived a {$25.00} business checking fee and a {$14.00} personal account fee. This occurred until the middle of this year.
As noted above, the {$25.00} dollar charge and {$14.00} charge stopped being waived without explanation. I called the bank each month to ask why this stopped and was told that I was compliant with the bundle policy communicated to me upon opening. On XX/XX/2022, I noticed additional charges and called to inquire. Today ( XXXX ), I was told that there is now an account minimum which I do not meet ( and have never met ) and that the branch manager was waiving this fee at his /her discretion.
These changes were never communicated to me in any written or electronic form. Previous interactions with live customer service representatives - as recently as XXXX / XX/XX/2022- indicated no account balance minimum or bundle waiver issue.
I was told today verbally by a customer service representative that they will now send me something in writing- only after the charges have been imposed to both my personal and business checking.
Arbitrary enforcement of bundle fees with no communications is clearly a misleading effort by M & T Bank to sell/ bundle their accounts and boost account opening stats.
I'd appreciate if there was an inquiry into these types of practices.
|
| 08/09/2019 |
Yes |
|
|
|
Web |
Servicemember |
|
I recently paid my mortgage in full in which I had a loan through M & T Mortgage. I requested a payoff quote a few months ago and there were specific wire instructions that I had to follow explicitly. The wire was submitted on XX/XX/2019. I received a notification that M & T reported my account as closed and delinquent on XX/XX/2019. This dropped my credit score by 72 points. I was livid. Of course, I contacted M & T immediately and was told that because my payment was received on XX/XX/2019 that I was 30 days delinquent. When I know that M & T doesn't report until the first day of the following month. I'm not sure what the motive is, but I need this corrected immediately. Can you imagine paying your mortgage for 20 years on time each month and the mortgage company reports you 30 days late on your final payment? M & T made it as difficult as possible to wire the funds. My bank attempted to wire the funds several times until I finally took the letter to the bank and we literally wrote everything on the wire submittal several times in several different areas. At that point M & T had no choice but to accept the wire. I called M & T on the day at the time the wire was sent to verify that it was received, and I have a receipt from my bank. It states on my credit report that I was delinquent, paid on time, and consumer closed account. Versus stating paid in full. I did not close the account and I was not delinquent ; I paid the account off over a 20-year period. I would like this correct immediately to state paid on time and paid in full.
|
| 10/28/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Lien Release Request : My home of fifteen years is currently in " Foreclosure '' with a Conventional Loan that has a 15 Year Balloon Payment, which has reached it 's maturity due date. I have been, met with several challenges attempting to refinance and / or modify the Balloon Lump Sum Payment that has come due. So, I decided to listed my home for sale to avoid Foreclosure.
After doing so, I did received an offer, and entered into a contract to close on the property within 45 days or less.
However the Title Co. revealed XXXX Liens. A First & Second. The Second Mortgage Lien had been " Written Off '' XX/XX/2012 and has exceeded the Statute Of Limitations for collections in my State.
However the Title Co. would not complete and close the sale of my home without a Lien Release for the " Written Off '' Second Mortgage Lien.
Both the Title Co. and myself made separate requests and follow up requests for a Lien Release to be issued. Our requests went unanswered, and the Lien Release has yet to be issued which resulted in several contract extensions, and ultimately the buyer losing patience, interest, and confidence that the " Lien Release '' would ever be issued.
Currently the Lien Release has not been issued, but instead a statement of the amount of debt that was due at the time of the " Write Off '' which has been time barred from collection based on my State 's Statute Of Limitations laws. The Lien holder 's lack of cooperation in this matter is hindering the success of any sale or closing and my ability to avoid foreclosure.
|
| 03/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Older American |
|
reopen. XXXX. This is a checking account that I reported fees on my account because you refused to accept the data that was used on my account. XXXX was credited on my account. there were other fees that you refused to investigate. so I investigated after I received that you reported to the collection of credit. I responded to the collections office that you reported me to. there was about 3 and each time I got the charges off the bank account. I noticed that the amount was credited to my account but you didn't take off the over-drawn changes. one amount was XXXX that was over or closed to 200 dollars. the car was favor on my behalf but could not take off because they said that you should have given me my money back and they couldn't because I could not prove that you did not give me the funds.
I spoke to your corporate office and was told that you should have taken the charges off and they did not understand why. again I asking you for the funds that you owe me and to take me out of the credit collections.
I requesting all data from this bank account all credit collection notes. all fees that has a credit to my account and the amount that was taken off. you indicated that I owe you you must report all the information I asked for. send you all information in the paperwork also the car wash charges me twice for one car wash so the proud was if I purchase a monthly bill why would i get a wash if you investigate this the car wash knows that I cancel. just by seeing the double charge. again NSF fees.
looking forward to my refund.
|
| 10/11/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Servicemember |
|
I hope this letter finds you well.
I am writing to you as a concerned citizen and constituent of Texas, seeking your assistance and intervention regarding a grave issue I have been facing with my mortgage company, M & T Bank.
My husband and I are both Veterans of the XXXX XXXX. I recently discovered alarming discrepancies in my attempts to make appropriate payments to my mortgage company and am working exhaustively to rectify the situation. However, there are several issues and potentially unlawful actions by my mortgage company, which have led to significant financial losses for my family.
The issues I have encountered include M & T Bank rejecting my payments and not returning them, giving my husband and me incorrect information as to where our money is and how to obtain it back, conflicting communications and timelines, and stating that they can only call either my husband or myself, once per day. These actions not only violate the terms of our agreement but have also placed an unjust financial burden on my family and put my home at risk.
My husband and I have made copious attempts to address these issues directly with M & T Bank, but their response has been unsatisfactory and uncooperative. I believe that my mortgage company 's actions may be in violation of state and federal laws, and I am seeking your assistance in holding them accountable for their actions.
I appreciate your attention to this matter, as our home and our XXXX children are at risk. Thank you and I hope you have a good day and God bless.
XXXX XXXX
|
| 05/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
M & T mortgage is billing me for things, increasing my payments then charging me late fees. M & T stated my home owner insurance lapsed due to lack of payment. My insurance agent stated it did not lapse. My payments are done thru escrow so it is paid by the mortgage company. If it was n't paid then they did n't pay it. My insurance agent says it was paid and never lapsed. I did change insurance providers thru my agent for a better rate and additional coverage.
M & T charged me {$4300.00} for lack of insurance then did a partial refund of {$2900.00}. They have done escrow assessments every 2-3 months ( this seems excessive is n't that once a year? ) increasing my payments every 2-3 months so my auto payments are short. Then, M & T does n't apply my payments since it is not the full amount and holds it in " suspense balance '' then charges me a late fee of {$470.00}.
I have called repeatedly to resolve this. I get a different person every time and I am bounced from department to department with no resolution after days and hours on the phone.
I think M & T has questionable practices making money on this repeated escrow assessment increasing payments, billing me for insurance I have and charging late fees on the payment increases they incurred. And I can not get it resolved so I keep getting charged more. I need help with this. I would like M & T investigated for these practices and a refund. So far I do not believe I have been reported to the credit bureau but that is a concern as well ... that they will ruin my credit rating
|
| 10/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
Older American |
|
We have " Old '' XXXX bonds in our IRA accounts.
There have been some disappointing distributions.
We fear that the choice of the Wilmington Trust to represent the bondholders ( we had no input ) is another political mistake.
Wilmington Trust appears to be interested in drawing out the liquidation process and making huge fees from those of us that have already taken a loss.
Please investigate what is going on ( or not ) with the " Old '' XXXX liquidation and distribution process.
We are still waiting on bondholder distributions while Wilmington & XXXX liquidate XXXX securities that should be given to the bondholders.
Order Approving Motion to Liquidate Securities, Use Dividend Assets and Extend the Duration of the XXXX XXXXOn XXXX XXXX, 2015, Wilmington Trust Company, as Trust Administrator and Trustee, filed a motion with the Bankruptcy Court for the XXXX District of New York seeking entry of an order ( i ) authorizing the XXXX XXXX to sell certain New XXXX XXXX ( and use dividend cash received in respect of such New XXXX XXXX ) for the purposes of funding projected costs, fees and expenses of the XXXX XXXX, and ( XXXX ) extending the duration of the XXXX XXXX. The motion was approved by order of the Bankruptcy Court on XXXX XXXX, 2015. A copy of the motion and order can be found here.
It is sad that there is no oversight by the administration to insure that bondholders get paid.
Please see what can be done about getting payment for XXXX bondholders.
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX / Home
|
| 10/27/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
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M & T BANK received my cease and desist on XX/XX/2021. I, the consumer, demanded that all forms of communication ( calls, emails, letters, communication to third parties such as consumer reporting agencies ) cease through any and all mediums. M & T BANK has not ceased communication. M & T BANK has sent another attempt to collect a debt on XX/XX/2021. M & T BANK sent communication through the mails stating they will continue to send correspondence by mail. M & T BANK stated they will continue to furnish this alleged debt to third party consumer reporting agencies. This is a direct violation of 15 USC 1692c ( b ) and 15 USC 1692c ( C ). I the consumer refused to pay this alleged debt and demanded M & T BANK XXXX out the balance on this account ; return all payments that have been made on this alleged debt, which was a consumer credit transaction and it is a positive balance, back to me the consumer by check pursuant to 15 UC 1692h ; Delete this inaccurate account information being reported to all my consumer reports. M & T BANK had no permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ) nor did I give M & T BANK consent to have my nonpublic information which is identity theft pursuant to 15 USC 1681a ( q ) ( 3 ). I demanded an audit trail ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) for this account. These are my specified remedies pursuant to 15 USC 1692c ( C ) ( 2 ).
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| 07/12/2018 |
Yes |
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- Trouble during payment process
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Web |
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This has been a very long stressful 7 years fighting to save my home. After fighting throughout these years in and out of court the only way I could stop the wrongful foreclosure was to file for bankruptcy. I finally had my day in court to provide proof I have made all my payments and was not delinquent on my payments and the only payments I owed were all the payments that were returned back to me by the bank. As you can see on the attachments the judge ruled in our favor. I have recently requested for a payoff, so I can leave this financial institution and I had to request twice thru my attorney and had to send a request in writing thru registered receipt and it took over two months to finally receive the request. And the payoff is incorrect! They are currently charging me for bankruptcy fees and cost, when they are the reason I had to file to begin with because they gave me no choice, it was the only way to stop the wrongful foreclosure! Also, throughout these years, even when the account was with XXXX, I have had an overage on my Escrow and this payoff does not reflect that overage. M & T Bank is holding a claims payment from the insurance to repair our roof for {$13000.00} that is not reflecting on this payoff. The statements I have been receiving is reflecting I am late on my payments again..how many more times are they going to do this and when will the harassment stop! I am current and I have all the cashed checks to provide proof if needed ( there are too many to attach, but I will provide them upon request ).
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| 09/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My mortgage is serviced by M & T bank. On XX/XX/XXXX I set up automatic direct deposit for my payments. They claimed to have sent me a letter on XX/XX/XXXX stating that the direct deposit was would deposit XX/XX/XXXX instead of the Mortgage payment due date of XX/XX/XXXX. I did not receive this letter. I contacted the bank on XX/XX/XXXX via email and then by phone as I was confused about the payment process. I was directed to their servicing department. I was told everything was ok. Eventually in XXXX I received a phone call asking me to contact M & T bank. They stated I was behind on my mortgage payments. They said that they had not received payment. I disputed the credit report and paid my mortgage that day. They denied my request to amend my credit report. They stated that they sent a letter to me stating this which I did not get. They also said the website clearly states when the payment is due. It is actually confusing and I called to make sure everything was set up correctly. They gave me the wrong information. When confronted with this the supervisor says " I cant speak to this ''. However, they should have record of the conversation.They also stated that they called me to contact me about my late payment. I did not receive a single notification via mail, email or phone about my late payment and they had the wrong phone number on file. I have attached phone records indicating I received no phone calls and email records indicating I recieved no emails about my late payments. In addition I received no letters.
|
| 08/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX, I called because my card was not working I was informed due to an previously overdrawn account and inactivity there was a hold placed on my debit card. But since my direct deposit was available and had satisfied the overdrawn amount the hold was taken off my card. My debit card worked all day XX/XX/XXXX. On XX/XX/XXXX, I tried to use my card at an atm and the atm said the transaction was cancelled please contact your bank. I tried to call the Telephone banking Center, which was having technical issues causing an automate voice to tell you they were having issues and to call back later. It was a few minutes before closing at the physical bank. I went through the drive through since the lobby was closed I explained what was happening and that I had the available funds to make a w/d but needed a counter check. The gentleman smiled and said sorry we ca n't help you because the lobby is closed. I pushed back and requested if an exception can be made due to the circumstance and he said no. Nor did he attempt to see why my card was inactive or present any other option. I later called the telephone bank center after several attempts and almost a half an hour wait I spoke with a representative who was great. He was able to find out that my card was closed for on XX/XX/XXXX due to more than 30 days of inactivity. Which confused us both since I used my card the day before, XX/XX/XXXX. He kindly gave me a number to contact XXXX directly to see if they could get me funds since the issue with my card was an error.
|
| 11/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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Complaint targetted to XXXX and M & T On XX/XX/XXXX, I initiated several XXXX transactions at M & T Bank ( Manufacturers and Traders Trust co ). After the XXXX transfer it locked my account under a fraud detection software. I called and waited on hold for XXXX hours and the representative resolved the issue and I completed the XXXX transaction. The next day I attempted to initiate another transfer and again it locked my account. I waited on hold for XXXX minutes and did not get through. That evening I called again and waited on hold for XXXX minutes and never got through. I called the regular customer service section and they said they could not help me they would need to transfer me to the fraud detection group and that I should be prepared to wait over an hour. I tried again XX/XX/XXXX and only waited XXXX minutes. I called a local branch to attempt to go in and handle the issue in person and they told me don't come, there is nothing they can do. The manager shared with me that he personally had to wait an hour and XXXX minutes for his own issue and that I should consider waking up really early on Saturday and trying to call then.
I then called the XXXX XXXX XXXX XXXX and they indicated that M & T " Bank '' is not really a bank and they had no jurisdiction and I would need to follow up with federal regulators. This feels deceptive to me.
These payment are for my mother 's caregivers. She is a joint holder on the account and requires 24 / 7 coverage. When we don't pay timely they do not show up the next day.
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| 02/05/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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M & T Bank set up a set of conditions making it impossible to pay off a commercial loan I had without paying a {$3100.00} fee even though the loan was sold as no pre-payment penalty after 5 years. I am only allowed to pay off this note on 12 individual days during any given year AND I have to give 60 days notice for that day. Here is an exert from the letter I sent them outlining the issue. ; I received a payoff letter from you on Loan # .... dated XX/XX/XXXX for an upcoming closing on the subject property. On that letter was a fee marked " Other Funds Due '' totaling {$3100.00}. I am disputing this charge and request that it be removed prior to my closing on XX/XX/XXXX. I was told in a phone conversation on XX/XX/XXXX that if I closed after XX/XX/XXXX, thereby satisfying the 60 day notice requirement, there would be NO PENALTY. This new charge did not appear on the previous payoff letter and was never mentioned during that lengthy conversation with several bank officials.
To evoke a " 60 day notice '' clause AND a " close on one particular day '' clause is completely unreasonable and probably undoable. The closing date is mostly dictated by the buyer. To be able to predict 60 days PRIOR that we will be able to coordinate buyer 's attorney, bank attorney, seller 's attorney, title company, buyer, and seller to all be available on one particular day 60 days forward is ridiculous at best and certainly highly unlikely to be attained.
I also feel this is tantamount to usury, robbery, and using a license to steal.
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| 05/17/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2021, I reserved a hotel stay at the XXXX XXXX located at XXXX XXXX XXXX, XXXX MD XXXX for 30 nights from XX/XX/2021 to XX/XX/2021 totaling {$2000.00} ; The reservation was made through my membership account on the XXXX XXXX app. It stated that a credit card was required for the reservation in which I provided my M & T debit-credit card ending in XXXX, and the reservation was processed with a reservation # XXXX, and with check-in starting at XXXXXXXX XXXX
However when I attempted to check-in on XX/XX/2021, the front desk at the XXXX hotel informed me that my debit-credit card was declining the {$600.00} charge-hold that they were attempting to process. I attempted to call M & T bank customer service over the phone however I kept getting a prompt system stating that they were experiencing high call volume therefore would not be able to connect me so I would have to call back another time.
I attempted to call M & T bank customer service the next day XX/XX/2021 and was finally able to speak with an M & T bank representative who informed after looking into the issue and confirming that my card had rejected my hotel reservation, informed that because the account was recently opened, there might have been a limit put on my debit-credit card. XXXX hotel attempted to process a {$600.00} hold ; additionally, I attempted to process a payment of {$5700.00} to XXXX XXXX on XX/XX/2021 and such was also declined.
M & T Bank is engaging in illegal acts and subjecting me to unregulated practices and procedures.
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| 07/11/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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We purchased our home XX/XX/XXXX and M & T bank was assigned as our mortgage company. We recently discovered on XX/XX/XXXX that our monthly mortgage payment has increased by {$310.00} a month without any notification via letter or email from M & T bank due to our taxes and homeowner 's insurance increasing by {$1300.00} for the year. However, M & T bank created a reserve escrow account in which they are collecting {$3800.00} for the year rather than {$1300.00} which is a difference of {$2400.00} extra. They said they do their escrow analysis every XXXX but we NEVER received any correspondences from M & T bank that our monthly mortgage payment would increase due to a reserve escrow account until we logged into our account on XX/XX/XXXX to make a payment and discovered it increased. Then when we called M & T bank on XX/XX/XXXX we discovered that we were supposed to have received a refund check in XXXX of XXXX for {$540.00} that we NEVER received! This was due to paying over in our escrow as well! M & T bank said they would reissue the check for {$540.00} this month to us and that we will go through the same process again next year for this years overpayment in escrow! They are charging us DOUBLE in escrow for the year what we need to pay!! My husband is a Veteran of the XXXX XXXX and this is a VA home loan and we have NEVER experienced anything this shady before! We have been with XXXX XXXX, XXXX XXXX and a bunch of other lenders and this is the first time we've encountered anything like this! Please help us!
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| 04/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
|
XX/XX/2021 I, XXXX XXXX, meet with Bank Representative, XXXX XXXX at Manufacturers and Traders Trust Bank, XXXX NY to discuss the compromise of my checking accounts.
She creates new account numbers and files for new bank cards. Within days, I receive the cards and within two weeks my car is broken in to and my new banking information -- which was left in my briefcase elsewhere -- was sitting on the front seat of my car. I reported this to the XXXX NY Police Department ( other items were removed from the car including clothing, pruning shears, etc. ).
Now that I have received the new checks, my car was again broken in to and my new check book was removed from the car. At this time, both accounts are compromised.
Also, I was traveling at this time ( between NY and NJ ) and when I arrived at the M+T bank in NJ, I was asked by the bank representative when the last time was that I used the checking account. She stated that my account was used just prior to my arrival at the bank ( a debit of {$.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.
|
| 01/05/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
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Web |
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This Lender was stopped from reprocessing my Vehicle ( an RV ), because I got them satisfied but they picked my RV earlier ( repo ) than they agreed, and in the process of driving/towing moving my RV they they ruined my RV. I got it back because it was drivable but ... I did not realize they damaged it so severely but they did ... .The wheel came off at XXXX MPH and destroyed the rear axle, I then SAID I DO NOT WANT THIS ITS RUINED They take it and have had it since XXXX, no auction yet they say its awaiting ( Fixed or Still Damaged ) They Send me this email..telling me I still owe the entire amount of the original contract on a vehicle they rendered worthless. Below is their email to me. No auction I want an almost as nice RV as I had before they ruined it, or all of my over {$30000.00} already paid to this Bank, and my credit rating corrected.
Installment Loan Collateral : XXXX XXXX XXXX repossessed/at auction Status : charge off Good afternoon XXXX XXXX XXXX Please be advised that my records indicate this collateral was repossessed XXXX/XXXX/XXXX, and is at auction awaiting sale. Your current balance is {$31000.00} good through XXXX/XXXX/XXXX with a daily per diem of {$6.00}.
Please contact me directly @ XXXX if you have any further questions or concerns.
Thank You, XXXX Last name removed XXXX Last name removed XXXX XXXX XXXX XXXX XXXX XXXX Management Dept.
XXXX XXXX XXXX XXXX N.Y. XXXX Phone # XXXX ext. # XXXX Fax # XXXX email : XXXXXXXXXXXX M & T Bank- '' Understanding What 's Important. ''
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| 09/23/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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Companie 's response : " The XXXX XXXX Police Department ( XXXX ) was called to your residence because we received numerous emails from you that mostly contained verbal threats and curses. Because of this we contacted the XXXX to perform a welfare check. We take full responsibility for this mistake and apologize for any inconvenience this has caused you. '' 1 - They do not say how are you taking responsibility, or if the people who made this decision are being held responsible.
How are the XXXX taxpayer dollars being reimbursed? How are we being made whole?
2 - I dont live in XXXX XXXX XXXX You can not even get basic info correct.
3 - what THREAT did I make? EVER? SHOW ME.
You XXXX LIAR. When you cost someone XXXX in refi interest savings from incompetence or maliciousness, you WILL PROBABLY GET CUSSED AT.
4 - I told you 50 TIMES I was OUT OF THE COUNTRY. WHY would there be a " wellness check ''? I am doing WELL.
YOU called the POLICE to HARASS my TENANT OVER DEBT that you REFUSED TO allow me to pay by not correcting the balance AND INCORRECTLY PLACING MISSED PAYMENTS DURING FORBEARANCE ON MY CREDIT REPORTS.
That cost me the chance to save {$1000.00} in MONTHLY MORTGAGE PAYMENTS starting in XXXX.
Multiply that over the remaining 25 years.
YOU used the XXXXPD as your personal XXXX to harass my tenant while I TOLD YOU I WAS OUT OF THE COUNTRY.
How could you find a " threat '' in those emails ( SHOW ME ANY THREAT ), AND NOT ALSO SEE THE INFO THAT I WAS NOT IN THE COUNTRY AT THE SAME TIME.
|
| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
XXXX XXXX XXXX M & T Bank Account Number : XXXX Home Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX I called M & T bank in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail.
I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper.
Today XX/XX/2020 I get a notification that M & T bank has reported me 30 days late for the month of XXXX.
In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ).
Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement.
This brings me to my next point. This bank does anything to suppress and attack XXXX XXXX. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with M & T. When I complain M & T responds by retaliating. I am sick and tired of this crime syndicate, what it represents and the poison that it spreads. I've said it before and i'll say it again. This organization is run by XXXX XXXX.
|
| 08/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Thanks to m & t bank my car insurance is now lapse in coverage and now i cant drive due to not paying the bill i will make sure this get brought up in court.I have been using XXXX with m & t bank for friends and family that pay me back because i like to go out and eat a lot and lend out money to family and friends, and they pay me back through XXXX because its easier for me. The problem is m & t bank has frozen my account for more than 1 month because of these XXXX transactions. M & t bank are saying the other partys of the XXXX transactions is trying to do a chargeback of the transaction saying its a unauthorized transaction when they authorized the transaction which is a lie.I cant get into contact with my friends that did this.M & t bank didnt call me email me or notify me that the other party reported the transactions so i had no clue until they took money from my account. In XXXX terms & conditions XXXX payments are non refundable with no proof M & t refunded XXXX XXXX transactions in different amounts totaling {$3900.00}, With no proof that what the other party is claiming which is unauthorized transaction is actual truthful. In the terms conditions of XXXX it states XXXX transactions are non refundable so Im not sure how m & t bank was able to do this. I filed a cfpb complaint and and they didnt answer my response basically ignored my response. This is m & t bank regional security manager that responded contact information XXXX have not been able to pay bills because of this frozen bank account.
|
| 06/06/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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In XXXX 2010 I got a mortgage through M & T bank on a home thatneeded some repairs so I took extra money out to do repairs thebank told me it would make my loan go faster if I got a contractorsquote I asked them several times if I could still do the work myselfwith a contractors quote they told me yes well needless to say itdid not turn out that way after the closing I never received any of theextra money. I could not live in the home until these repairs wheredone and the bank knew this. XXXX years ago the bank tried toforeclose on me I got a lawyer and we went to court the judge toldM & T they had to redo my mortgage at the original purchase price.
My lawyer sent M & T everything they needed to redo the loan.
A month later my lawyer calls me and says M & T sent him a letterstating that they did n't get everything they needed but did not tellhim what we where missing when he called no one got back to him.
Now I have to go through this again and I must say I 've had enoughM & T to this day has yet to send me a mortgage statement. Now theysold my mortgage to XXXX and I have called them and left messageand no one calls me back.
I have e-mails from M & T about getting the extra money I borrowedI have XXXX that says they mailed my check out when I did n't receive itI called the lady and she told me that e-mail should of never went outif that 's the case why was it even typed up and sent.
At this time I have no idea of where to turn. Although I am sure I shouldbe able to sue M & T for predatory lending.
|
| 11/15/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
XXXX XXXX a tree crushed our house. My mortgage sold my property loan at the same time. I was informed that my Loan would now be managed by M & T Bank. Long story short we received a large check from the insurance company to start repairs and it had to include the mortgage since there was a loan in play. M & T uses a XXXX party to manage these type of funds. The XXXX XXXX XXXX XXXX is XXXX XXXX XXXX They have a reputation for holding funds online, I called the bank to inform them I was not comfortable with using them and I was told it was not optional. Since that time it has been a nightmare, I could write a book. I have placed XXXX XXXX complaints and nothing has changed. They have to have more documentation every time we call, this has been since XXXX XXXX and repairs are held up as we are out of money and have called multiple times, requested that a supervisor call several times and they continue to need things in order to release funds.
They are absolutely heartless and just want to hang onto the money while we work normal jobs and then work on the house till its too dark. We are tired and would like to complete our home and not have to be dealing with this company. We need help! Disaster victims should not be treated like this. I am constantly having to upload documents and if you call, just getting to someone is at least XXXX minutes as they try to direct you to the website several times. Supervisors never call back and when they do they do not listen or care they just want something else.
|
| 08/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
On or about XX/XX/XXXX, or XXXX, I called M & T Bank ( XXXX ) XXXX to the consumer management payment dept to ask if I could get a lower payment for my account ending in XXXX.I was told on that day, I should have not started back making payments.
The XXXX $ that I am paying is only XXXX or XXXX dollars toward the balance of {$2500.00} because of the interest rate. I had no Idea this was going on when I would call to make payments, they never told me the balance only the payment amount. The young lady XXXX XXXX, XXXX, XXXX, stated she spoke to her supervisor and her supervisor stated it is a closed account, nothing could be done.
Monday, XX/XX/2022, I called back requesting to speak to a supervisor I reached someone by the name of XXXX at XXXX. Then I was transferred to XXXX, Again I was transferred to XXXX, XXXX or XXXX she refused to let me speak to a supervisor and told me the account is active, I should speak to that dept, where the active accounts are. I feel I should have been able to speak to someone with higher authority, I closed the account out and was not able to pay. M & T bank called me several times about making payments. So I tried to be in compliance with the bank, but I am not getting in where, soon the amount will be XXXX or more if this keeps up.
I sure the bank has these recordings of the conversations on both days.
Furthermore, I thought this dept was to help customers when there is a problem with their accounts, M & T bank called all day and evenings for collection.
|
| 06/09/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Made scheduled payments according to agreement but now Bank saying I missed payments last year. I have Bank statements but the say I need cancelled checks. I tried to explain I have a checkless checking account so there are no cancelled checks. They accepted a XXXX payment in XXXX and the I sent XXXX in XXXX that they refused. I have had this problem several times before and always look for a way to come to a settlement in which I end up paying thousands of dollars upfront and large payments following months. Then once I 've satisfied my agreement they come up with something new. I can provide more indepth detail about events over the last few years if needed. I feel the Bank is doing this to me intentionally and I feel it 's based on discrimination and wonder how many other XXXX Americans are having/have had the same problem. If I had missed payments the way was the XXXX not applied to that rather than to the current month s ( XXXX , XXXX , & XXXX ). I forgot to mention that they refused payments back i n ( XXXX , XXXX , & XXXX ) of 2016. Th ey refuse all these payments and then require me to pay them all in a lump sum upfront payment. I 'm not a wealthy person and a single parent who basically lives paycheck to paycheck. I need to know if I ha ve a legal avenue to file a class action suit or what can I do to stop this type of recurrent action. Why did they accept my XXXX payment in XXXX and then move to foreclose on my home? Why did n't they say something then?
|
| 04/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/2023, I submitted the requisite documentation request for an extension of my Simple Interest Installment Loan. The request was made due to my recent diagnosis with XXXX and a XXXX disorder. I had previously been informed of my eligibility for the extension, but subsequent communication with a customer service representative was not favorable. The representative 's behavior was unprofessional, and I strongly advise that the company consider improving their training. After the unsatisfactory interaction, I was informed that I needed to submit a form to process my request. Accordingly, I completed and submitted the form on XX/XX/2023, providing all necessary information. I was issued a confirmation number ( XXXX ), which indicated that my form had been received and was under review. I was advised that I would be notified of the status within the next three business days.
I would like to point out that I submitted a promise to pay as well since I was behind on my payments due to the aforementioned circumstances. The cost of my XXXX medication has increased significantly, and it is the only medication that works for me. Despite my best efforts to stay current with my payments and cooperate with the company, I have not received any timely communication from them. I have made several attempts to reach out to them, but to no avail. Given the misinformation I received earlier and my proactive efforts to resolve the issue, I am requesting that my request for an extension be approved promptly.
|
| 02/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We originated a refinance mortgage with M & T Bank, settling in XX/XX/2020. During the origination process ( which took almost 3 months ) we received our appraisal and immediately questioned the value, which was low, and pointed out that the appraisal had factual inaccuracies that caused the value to be low. We were told by our originator that there was nothing we can do. The low value caused us to have to pay PMI of XXXX {$200.00} per month. We reached out to the Bank after closing and asked to have the mortgage insurance removed, and were sent a form to fill out which also authorized the payment of {$550.00} for a new appraisal. We authorized the charge, and a new appraisal was performed on XX/XX/2020 for an updated value that we felt was accurate, and lowered our Loan To Value to below 80 %. However, our request to remove the mortgage insurance was denied because we have not made at least 24 payments, and because the increase in value was due to market appreciation and not repairs or enhancements.
This is completely unfair to us as consumers. First, when speaking to the bank we were upfront that the request was for a new appraisal due to errors in the original appraisal. We were never informed of a requirement that the loan must be seasoned for 24 months and requires improvements to the property. Second, the whole reason for doing this soon after settlement is that we were told we have to accept the value of our initial appraisal, even though we pointed out numerous factual inaccuracies.
|
| 10/26/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I received a letter from M & T Bank stating that I am required to have H06 insurance coverage. I have had this mortgage loan since 2009 and have NEVER been required to have this coverage. There is not anything in the original mortgage documents that I signed in 2009, that states I am required to have this coverage. M & T bank states that " Section 5 of my closing documents states this information ''. They were also unable to clarify what page of the closing documents this is on nor were they able to provide me with a date of when I signed acknowledging and agreeing to having this insurance coverage. They did tell me if I do not get this coverage, they will obtain it for me and charge me three times the amount and apply it to my escrow.
This conversation happened today. The phone number I called was XXXX. I spoke to XXXX XXXX ( who proceeded to call me a XXXX to her co-worker ) so I requested to speak to a supervisor. I was transferred to XXXX XXXX who is a team lead. He stated that I could reference this agreement I made in my original closing documents. My understanding is that when M & T Bank purchased the loan from the previous lender ( XXXX XXXXXXXX XXXX ) NOTHING changes from the original loan and should anything change, I am required to acknowledge those changes. This was not done nor have I signed anything acknowledging this. This appears to be a fraudulent scam that M & T Bank is using to charge more money to mortgagees escrows in an effort to make more money on existing mortgages.
|
| 01/06/2024 |
Yes |
- Mortgage
- Other type of mortgage
|
- Closing on a mortgage
- Delays with the closing process
|
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Web |
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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.
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| 02/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/XXXX I called in to change my weekly payment of {$550.00} to biweekly payments of {$900.00}. I was under the impression my next biweekly payment would be auto drafted on XXXX.
To my surprise another weekly payment was auto drafted on XX/XX/XXXX. I called in on XXXX and was told by a banker that my biweekly change was not processes and they asked if I received a letter that I was supposed to sign and mail back. I was told they can not make the change with a signature, unless I make the change online. I never received a letter to sign and the banker I spoke with on XX/XX/XXXX never mentioned anything about needing to sign a cancelation notices and mail it back.
The Baker walked me through how to change my payments online and I schedule the next biweekly payment to be auto drafted on XX/XX/XXXX. I thought my change was processed and everything was good.
Then on XXXX another weekly payment was auto drafted from my account. I called the bank on XXXX and the banker advised that I was set up on biweekly payments, but the {$550.00} weekly payment was processed on XXXX because I had to call in XXXX business days before the auto draft to cancel it and I called in 2 business days. The banker I spoke with on XX/XX/XXXX never informed me of this and I was under the impression my next auto draft payment would not occur until XX/XX/XXXX.
Luckily the 2 unexpected auto drafts did not create and NSF but even so the bank should have informed me of the processes and educate me on what to expect.
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| 08/19/2019 |
Yes |
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Web |
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Had a home mortgage through XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, then was switched to M & T Bank in XX/XX/XXXX. No notice was given to this switch until I was placed into foreclosure XX/XX/XXXX. The loan from my understanding was eligible for me to drop the insurance hazard insurance fee almost $XXXX dollars extra/month due to me paying off atleast 20% of the price of the phone. There was also another $XXXX in late fees carried over to M&T bank when I was never delinquent with XXXX XXXX. However, when I discovered the loan was with M&T the $XXXX late charges were billed from them plus an additional $XXXX of late payment fees plus still no removal of the $XXXX hazard insurnace. I had my Attorneys from XXXX XXXX XXXX XXXX write a letter demanding adjustment of these fees. There was no response until I received a phone call from M& T Bank on XX/XX/XXXX stating that if I did not pay 5 total payments of mortgage valued over $XXXX dollars then foreclosure would be accelerated and I would lose my home. I explained I just received notice of this and they said I could pay 4 months because XXXX was not due yet. I payed the four months to take this out of foreclosure and spoke with an XXXX and it was agreed upon paying these 4 months would not get me reported to the bureau. As ofXX/XX/XXXX, M&T reported me delinquet for XX/XX/XXXX Payment when I paid the mortgage through XX/XX/XXXX. This caused my credit score to drop almost 90 points and kept me from getting an XXXX Credit card.
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| 11/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek assistance in resolving an issue related to my mortgage account with this bank. During the COVID-19 pandemic, I faced significant financial hardship, leading me to request a modification of my payment plan. Unfortunately, despite multiple attempts to contact the bank, I did not receive any response, leaving me unable to afford the high payments.
Post-pandemic, the bank finally responded, and we were able to establish a new payment plan. Since then, I have consistently made on-time payments without any further late instances. However, I have noticed that the late payments incurred during the pandemic have not been removed from my credit report.
While I understand the importance of accurate credit reporting, I am currently unable to provide supporting documentation due to the circumstances. I kindly request your assistance in reviewing this matter and facilitating the removal of the late payments from my credit report, considering the extenuating circumstances surrounding the COVID-19 pandemic and the subsequent resolution with the bank.
I appreciate your understanding of the challenges faced during this unprecedented time and your assistance in rectifying this matter. If there is any additional information required or if you have further questions, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ].
Thank you for your time and consideration.
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| 11/03/2022 |
Yes |
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- Trouble during payment process
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Web |
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I closed on a VA loan assumption with M & T Bank on XX/XX/2022. I have run into multiple issues with M & T Bank both before and after closing. Most recently : 1. The loan number provided to me prior to closing is different than the loan number now referenced on a letter dated XX/XX/XXXX and addressed to me. The loan number referenced on the letter is the same loan number as that which belonged to the former/original borrower.
2. Because I was given the wrong loan number, my homeowners insurance declarations page references the wrong loan number in the additional interest information, potentially creating future issues with escrow payments and/or payments for insurance claim proceeds.
3. I can not register for online account access with EITHER loan number. I receive an error message either way that the information I entered does not match the information they have on file.
4. The aforementioned letter was mailed to the mailing address for the former/original borrower. I have never provided that address as my own mailing address. Because of that error, the letter was received by the former/original borrower first and did not get to me until XX/XX/XXXX, after that person returned it to XXXX.
5. The aforementioned letter indicates payment in the amount of {$1400.00} is due XX/XX/2022. My closing statement confirms I paid that same amount as part of my closing costs on XX/XX/2022, and on the closing statement it is specifically indicated that the amount was for the XXXX payment.
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| 10/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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Multiple time we have faxed the Authorization to Release Loan Information, Listing Agreement and the Offer multiple times to no avail to M & T Bank, at the time, date and fax numbers below. I have proof that the faxes we successfully transmitted. One successful email was sent as well.
Here 's the date, time and fax number or email : XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( successful transmission return email ) One must wait 3 days to call back to verify to they received it, which is wasted time because they said they did not receive it.
Called back in to find out they have no record of such and re-faxed at the below fax number.
XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) You have to wait 3 days to call back to find out if the fax/email were uploaded into their system.
XX/XX/XXXX at XXXX mst at XXXXXXXXXXXX ( Delivered/Confirmed via XXXX ) XX/XX/XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) My assistant also faxed multiple times, but she is out of town and could not supply that information to me at this time.
Here 's the challenge - because we needed to get the Authorization, Listing and Offer in within 37 days of the foreclosure sales date to M & T Bank, which we could have done had they acknowledged receiving the faxes and email. The XX/XX/XXXX foreclosure sale would have been postponed giving us time to get whatever else that may have been required. We are now a week away from the sale on XX/XX/XXXX.
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| 05/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My mortgage was issued in 2005 with XXXX XXXX XXXX and subsequently sold to M & T Bank.
M & T Bank has been servicing my mortgage for over 5 years. This past XXXX M & T Bank force placed their Insurance on property as a result of them stating H06 Insurance was always required.
Year over year the bank has requested my Master policy, been provided my Home Owners Association and have never requested a H06 Policy.
As a result, my mortgage increased by over {$400.00}. I contacted M & T bank to file a complaint where a rep called me back once, I responded to her call multiple times by telephone with no call back from her. Weeks later I was sent my original mortgage documents with a clause highlighting that if my mortgage is sold to another company, I must comply by their rules. Which they were enforcing over five years later.
As a result of M & Ts action of neither requesting or enforcing their H06 policy rule when they purchased my mortgage, the insurance I was offered through an Insurance company was almost as high as the Insurance Im paying M & T Bank. This is due in part to having no prior Insurance and an owner for over 10 years. In addition M & T Bank has collected {$1000.00} dollars from me over a 2 month course on a mortgage balance of Less than Ninety Five Thousand Dollars.
These practices are unfair customer treatment and I feel they should be reprimanded for their actions.
I most definitely will be joining the class action lawsuit regarding this Insurance matter.
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| 12/18/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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the problem is with M & T bank since XX/XX/ 2022, and they never tried to help me, iI am so tired of this, went in person several times to 5 different branches traying to get help but, the bank was a mess that until this date nobody helped me to get my money back I am so upset, frustrated, very sad.
in XX/XX/2022 I called my credit card and asked for an ACH deposit transfer to my checking account the amount was {$4800.00} but XXXX XXXX XXXX send the money to a wrong account number, I provided the wrong account number to M & T clerks and managers and they told me that XXXX XXXX XXXX need to do an ach reversal wich XXXX XXXX XXXXXXXX did like 5 times but M & t bank keeps rejecting them. and told them that they will fix the problem with me not with third parties, now my credit is damaged because M & T kept my money, money that XXXX XXXX XXXXXXXX wants me to pay and it is not fare because I never got that money.
I provided to M & T bank transaction number and date the wrong account number were money was deposited all they had to do is move the money to the right account number they never did that, I spent hours and hours on the phone and lost hours of work time its very sad they didnt care.
months have been passing and nobody cared.
M & T ACH department tried to help and everytime send me to XXXX XXXX wich is a manager from XXXX branch, they told me that she will be able to transfer those funds to my account and she never did, all she said was that was that was XXXX error.
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| 08/20/2021 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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Web |
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On XX/XX/XXXX I deposited money into M & T Bank. The funds were due to a personal injury settlement. There was a Court Order requiring the funds be placed into a restricted account with no withdrawals prior to 18 without prior Court approval. On XX/XX/XXXX I received a letter from M & T stating they would be closing the account as there was no activity for a period of time. On XX/XX/XXXX I signed a paper stating the account should remain active and again explained that the account wouldnt be accessed until my daughter was XXXX. I again received a letter in XX/XX/XXXX stating the same thing. I called M & T on XX/XX/XXXX and told them to keep the account active and again she would not be accessing the account until XXXX. In addition, I requested our address be updated since we moved. Today, XX/XX/XXXX, my daughters XXXX birthday, I called M & T to determine what I needed to closed the account. I was told that the account had been closed on XX/XX/XXXX because the state requested the funds and there wasnt anything further for them to do. After further research, I located the funds at the Pennsylvania Treasury Departments Bureau of Unclaimed Property. This account was opened per Court Order when my daughter was XXXX years old. They accepted the funds and opened an account knowing she wouldnt be touching this account for 8 years. Now we have to go through the unclaimed property department to collect money, which failed to gain interest for the past 6 months due to their error.
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| 11/28/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I contacted the mortgage company approximately 2 months ago requesting assistance with paying my mortgage, since I had recently become unemployed. I provided all the requested information on XX/XX/XXXX
They requested proof of being on unemployment, which was provided. They then requested the same information two or three times, extending the process. I was informed that in order to be approved, the mortgage had to be in current standing. So, I have really struggled to keep the mortgage current while awaiting the approval for assistance.
I received a letter finally on XX/XX/XXXX. It stated that M & T Bank had received the additional information which was requested in order to complete the Loss Mitigation application. They stated they were in the process of reviewing the documents to determine if I qualified.
I made a call into M & T this afternoon just to check that they had all the documents they had requested, and was informed that they had denied my application due to the fact that I did n't have a job. Well, yes, THAT was the REASON I was asking for assistance. They have offered no other options. I am at a point where I can not pay next month 's mortgage, which puts me in fear of not qualifying for assistance once I send in a request for review of the denial.
I am flabbergasted that the programs designed to assist the homeowners when the times are temporarily difficult, would be unavailable due to the lack of income. If I HAD my job, I would not be asking for help!
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| 10/04/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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On XX/XX/XXXX, my wife paid her car loan from our joint account with M & T Bank, which recently bought out our bank her in Connecticut ( Peoples United Bank ). She used the new bill pay app from M & T. The old app added the decimal point to the left of the last two digits input, the M & T app added the decimal point at the end of the digits input. This caused an overpayment to XXXX our loan company of {$57000.00} on a payment that should have been {$570.00}.
M & T bank never notified us of the overdraft, and we didn't learn of it until receiving the title to the car in the mail.
We immediately went to the bank on XX/XX/2022 to have the charge reversed and they claimed there was nothing they could do as it was an ACH transaction and we would have to talk to XXXX to get our money back. According to ACH rules, a reversal is allowed because there was an error in the dollar amount. ( ACH Rules Quick Guide ), as long as the bank is notified by the fifth business day after the transaction. We asked for the reversal on the fifth day in person at the bank, therefore there should have been no reason for not reversing the payment.
I suspect that due to the number of problems they have had with the buy out of our bank and the substantial number of errors they have made, that they told us there was nothing they could do in order to keep their percentage of ACH reversals under the threshold for scrutiny. This may or may not be true, but certainly fits the facts of this case.
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| 12/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Our former bank, People 's United, was acquired by M & T Bank and the merger was completed this fall. We moved most of our banking accounts to another institution but left about 17 credit cards with M & T.
We have attempted to made timely payments on our accounts each month ( XXXX through XXXX ) and there have been multiple issues every month. Including : *Checks cashed but not applied for over 15 days.
*Checks said to be missing ( so we paid another way ) then found and later incorrectly applied a month later.
*Online payments that said " accepted '' later not posted ( resulting in late fees ) with no notification of the decline or the payment.
*We have attempted to may payment at a branch ( told impossible ) It has left us with literally no way to make a timely or accurate payment and hundreds of dollars in late fees and charges. The bank is working with us to reverse these but it has taken days of our very limited resources to work out. I'm told we are not the only customer experiencing this. The processor is a company called XXXX run by XXXX. I don't know if it is the fault of a rough merger integration, something in XXXX or what but I do know that as a consumer, I'm trapped in unavoidable fees and a circle of accounting problems.
We are moving our cards to another institution but I thought it important for the CFPB to check in with M & T and ask how it is going.
Thank you, XXXX XXXX
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| 04/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
Older American |
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I had/have been trying to get a modification of my mortgage since XXXX. I kept asking and asking to no avail. Hudson City Savings Bank said that since they did not take any " XXXX '' money I ( and every homeowner through HCSB ) was not entitled to any of the government programs that COULD AND WOULD have SAVED my house. I 've now spent {$15000.00} on an attorney for the past 2+ years ( and I am on XXXX and get a small amount ). My house is now up for Sheriff 's Sale. I am now trying to get a modification through M & T Bank who bought out/merged with HCSB I do not know what will happen with M & T. But I should not have suffered all these years with calling and writing letters every month asking for HELP.Through all these years HUDSON CITY SAVINGS BANK did NOT offer any alternative programs to HELP save my home. They never even responded to any of my numerous letters or phone calls to discuss options. It was as if I never existed. This is NOT how a BANK that profited during the financial crisis should treat their customers. When the " late '' CEO XXXX XXXX got an average salary of $ XXXX a year ( over a 5 year period of time ) during XXXX, see Forbes article, and overall $ XXXX in stock options.
" The Financial Crisis Inquiry Commission Report '' XXXX says and concurs that the Banking/Financial/Investment institutions WERE at Fault and caused this economic collapse ( and they benefited in the millions of dollars ) so why do I and every other home owner now suffer.
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| 02/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
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on XX/XX/23 I purchased a cashiers check of XXXX from M & T bank XXXX XXXX XXXX ( I had over XXXX ) in the account. I deposited the check at XXXXXXXX XXXX XXXXXXXX XXXX XXXX.
I went to withdraw funds from XXXX XXXX XX/XX/23 and there was a fraud alert on my account because M & T " did not honor the cashiers check '' which I always thought was as good as cash.
I went back to M & T bank XXXX XXXX XXXX and the Manager told an elaborate lie of how it is not their fault and XXXX XXXX is to be blamed. The new teller who did the initial transaction stated that he made an error and withdrew from a closed account, the manager shut him down and insisted it was not their fault and asked me to go back to XXXX XXXX. Although I made the manage aware of the seriousness of what is at stake, he was rude and not helpful.
Two weeks later, I still have XXXX taken out of my M & T bank and I don't know where the funds are, XXXX XXXX has closed my account accusing me of being a fraudster.
I work so hard for every dime in my account and I need help in resolving this issue.
1 ) To retrieve the XXXX from and M & T 2 ) Restore my bank account with XXXX XXXX and let them know that I did everything right and i'm not a fraudster.
3 ) I'm asking for help because I know M & T will not help me. Unfortunately my experience with them has not been that great. Please help me I feel devasted and have been very stressed with this situation. I will appreciate any help I can get from anywhere.
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| 10/15/2021 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Older American |
|
I have had a forbearance on my home mortgage since the beginning of COVID. I have also been unemployed since the beginning of COVID. I was told on XX/XX/2021 by a bank employee that if I made 4 payments and got my missed payments down to 12 that I would be eligible for an unemployment forbearance. I was also told to call after the Federal holiday in XXXX and arrange the 4 payments and then I would not have a payment due until XXXX. I called today, XX/XX/XXXX, and talked to 5 different bank employees. The first 4 denied that there was any unemployment forbearance available and that all payments were due in full immediately. I was told that I would NOT qualify for anything else because I was still unemployed and already have a second lien by HUD on my mortgage. The 5th person I talked to said there is an unemployment forbearance available separate from COVID that exists for customers. I said that is what I need. I was told that I would not qualify and it wouldn't help me. He said that at the end of the month demand letters would be going out to all people who are 4 months behind in their mortgages. He said " If you want us to put handcuffs on you, we will. '' This is an outrage. I am able to make 4 or 5 or even 6 payments today. He told me that those payments would not help me and I would just lose the money. This is predatory lending. This is a problem. I hope the United States Dept of Treasury hurries up and puts in place some protections for people like me.
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| 07/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with cash advances
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|
Web |
Older American |
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on XXXX XXXX Someone took cash advance off my credit card XXXX plus cash advance fees XXXX in XXXX XXXX XXXX XXXX XXXX XXXX I was not in XXXX XXXX on this date I live in XXXX and was home during this time. The next day on later on this day not sure I wanted to use my card and it was denied I called and ask why the credit card people said there was suspicious activity on card and we cut it off was it you I said no it was not me Im in XXXX They said we will send a new card out! Then I get the bill for these charges XXXX cash advance charges and fees I call I dispute these charges they said they investigate within 4 days they denied it said I had card still in my possession I said but I didnt do it they said a card with my pin was used I said I read in XXXX skimmers are being found with cameras on them that is how peoples pin stolen they still denied it. Now weeks before this happen I was in XXXX visited a friend used atm at a XXXX XXXXtore ATM outside to get cash but his was weeks before maybe a month no where near this XXXX XXXX area on this date. I am a honest man I would not say it was not me if it was What M & T credit is calling me is a XXXX and XXXX and I won ; t stand by for this I did not do this!!! Im so upset I dont know how this happen I would never go into this high crime area and withdraw cash I sent them police report # and my GPS info and still they denied said i have to pay I cant do this on fix income and I cant because i did not do this!!!
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| 07/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 03/08/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
|
In XX/XX/XXXX, I nearly lost an M & T Bank savings account with a balance of {$16000.00} to " escheatment, '' defined as " reversion of property to the state when no legal heirs or claimants exist. '' I had opened the account in XX/XX/XXXX, signed up for online banking, regularly went to the website to get my monthly statements, and suddenly discovered that only my checking account remained. I called my M & T branch to investigate the missing savings account and was told it had been deemed " dormant '' and was reported to the State as " abandoned funds '' because I had not made a deposit or withdrawal since XX/XX/XXXX. ( Under Maryland " unclaimed property '' laws, the State can legally grab bank-reported " abandoned '' accounts after only 3 years. ) This was an eventuality no one had warned me of when I opened the account, and I had never received a notice from M & T Bank -- written or otherwise -- that my savings account was in jeopardy owing to " inactivity. '' When I went in person to my M & T branch to show ID, sign a form acknowledging I own the account, and prove I was still alive and kicking, the account was restored to " active '' status, and my savings account reappeared online. I set up $ XXXX monthly transfers from my checking account ( always very active ) to my savings account to prevent escheatment ever happening again. I want seniors to hear my story. If you think your nest egg is safe because it's in the bank, you should double-check.
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| 12/03/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
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Promissory note was sent to the company and accepted ... never returned, the M & T Bank is a third party, I have no bilateral contract with M & T Bank, does not have the right or authorization to foreclosure, they are not power of attorney because all previous power of attorney was revoked in XX/XX/2019, no right to assign, loan was bifurcated, violations of 15 USC 1692, fair debt collection practices act, the GAAP Act, Deceptive Trade Practices Act, the Georgia Residential mortgage fraud act by creating false document without authority and is the the original creditor, never loan any money or gave value to be able to attach to collateral, violation of UCC Article 9, request name and address of Original creditor by way of securitization transaction audit on mortgage for proof only. Not a party to promissory note. Talked with them and said they were waiting to accept the promissory not, never returned and is being traded because never returned and trying to steal my house in fraud. I will not accept any thing but a forensic audit from non affiliate of M & T bank, and cease and desist from debt collection or threats to sell my he without legal or equitable title as all power of attorney to able to create any Deeds to conveyance of my home. In accordance with 31 US 3123 the secretary of the treasury is supposed to pay all obligations of the public debt because u can not pay a debt with a debt instrument. And the note was sold illegally and not assigned.
|
| 10/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American, Servicemember |
|
Opened a joint savings & checking accounts on XX/XX/XXXX then my wife decided she no longer desired joint accounts with M & T since she had her own accounts with another local bank. On XX/XX/XXXX I opened my own savings and checking accounts with my current debit card now linked to my new M & T accounts-there was {$1900.00} transferred to my new checking account and {$5000.00} to my new savings account on XX/XX/XXXX or so I thought. On Sunday XX/XX/XXXX my debit card was declined three times because there where no funds in my new individual checking account. All my monies had been mystery transferred back to both joint accounts. Over the next ten days I had to call at least seven times to get my monies moved back to my new accounts from the joint accounts. I don't know who-what-when but this was ridiculous. I was also in XXXX XXXX on personal business and won up with two blown tires trying to get to nearest M & T branch in XXXX XXXX, PA [ near XXXX XXXX ] and found it to be under a remodeling event with no assistance there. When I got back home between the four accounts I was told I should have kept track of my individual spending when I didn't know what accounts had my money and then M & T takes 3-5 to post charges. Tried to explain this on phone to their customer service rep " XXXX '' she hung up on me.I closed my accounts now I'm being bombarded with late fees on my two accounts. Who at M & T kept moving my money? Could never get an answer
|
| 07/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Due to loss of income from the COVID pandemic, I utilized the forbearance option with respect to my mortgage from XXXX of XXXX until XXXX of XXXX.
While trying to negotiate a modification with M & T Bank, I have been unable to submit my Borrower Financial Report, which includes a summary of my entire financial situation, as well as statements for all of my bank accounts and paystubs for multiple family members, it is a treasure trove of financial information and should be treated with utmost confidentiality by a financial institution.
I have tried to mail it but after two weeks they claim that it has not been received, and due to this reason, I will need to deliver it in an expedited manner requiring electronic delivery. The only other delivery options available are to ( a ) fax it, which requires the additional expense of using a third-party service ( who will retain a copy ), or ( b ) to e-mail it. Either of these methods leave my financial data exposed and easily accessible to hackers.
Time constraints will require that I compromise my financial information in this manner and I am shocked that a large bank does not have a means of securely delivering confidential information available. I am gravely concerned that in this day and age a financial institution is requiring the delivery of sensitive financial documents containing Non-Public Personal Information by such insecure means. I am certain that they are a ripe target for a data breach.
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| 02/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
We utilize Regions online Bill Pay, and made a payment to M & T Bank on XX/XX/2016 for an RV loan. In XXXX of 2016, Regions put the payment amount of {$670.00} back into our account because M & T bank never cashed the payment. We have not been able to get an answer from M & T Bank as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year.
We did not get any notice from M & T of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but M & T chose to ignore that, and churned the account with late fees.
I contacted XXXX about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XXXX. Because M & T did not cash the payment, XXXX could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to M & T Bank, which I believe M & T Bank ignored. The letter is attached.
I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months.
Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.
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| 11/09/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
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Company : M & T Bank Date : Week of XX/XX/2022 Amount : ~ {$1000.00} Action : I have spent hours on the phone with M & T Bank trying to transfer funds to complete a bank to bank transfer. Their customer service is terrible and I do not recommend banking with M & T.
At first they did not know why my bank to bank transfer wasn't going through on my online account. Then they told me information was not matching up, but they didn't know why because my account numbers were. I suggested it may be because my middle initial was not present in the M & T account ; they agreed this could be the issue but refused to add my middle initial to solve the problem. I called my other bank receiving the transfer, and they changed my middle initial immediately to match up with M & T. Then, I tried logging into my M & T account ( as their staff instructed me to do ) and I was locked out of my account for " security reasons '' despite inputting correct credentials.
Throughout this process, I have had to provide security codes over and over to log in to check if the transfer would go through. I've been on hold for several hours ( over 30 minutes and waiting with a current call ). M & T service is terrible and I am concerned they are not allowing me to transfer funds since I told them I would be closing my account afterwards ( after moving to a different state ). I have followed all their instructions and they have put up every roadblock they could along the way.
|
| 03/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
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Web |
|
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In XX/XX/XXXX, I was contacted by XXXX saying my M & T mortgage was 3 months late and was up for foreclosure. I should have checked, I was actually only 2 months behind, almost. They instructed me to do a modification mortgage. They said, " Do not make your XX/XX/XXXX payment and the modification can start and lower your monthly payment drastically ''. I did as instructed like an XXXX. XXXX was to b my first payment. They set up a time and date for me to call in my payment. XX/XX/XXXX and XX/XX/XXXX was the same appointments. I was only allowed to talk to XXXX. No one else could take my payment. At the end of XX/XX/XXXX, they told me to wait on a letter and mail my payments with the slips to M & T. XX/XX/XXXX I finally get the letter. They said my payment would not be counted late since they did not have the paper work ready. But even though I mailed in my payments when they said for XX/XX/XXXX, XX/XX/XXXX and XXXX, they counted them late. I paid my payments to who they said and did what they said when they said and they reported me as 120 days late on my credit reports. Then, they tell me to give it time and my credit report would straighten itself out. No, it still has not. And my payment went down only XXXX bucks and they added XXXX grand to my mortgage. I have petitioned the credit bureaus twice about this unfair reporting and M & T 4 times and XXXX refuses to talk to me. I just want the six months of on time payments to show as on time.
|
| 06/06/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
In reference to complaint XXXX In my previous complaint I explained My name is XXXX XXXX I have a mortgage with M & T Bank XXXX I recently had problems with the property tax where the house was built on 3, 25ft lots and the 3rd lot wasn't properly merged by the city with lots 1 & 2. Lot 3 was sold for tax proceeds without my knowledge. M & T provided a lawyer since they also had interest in maintaining the property, to assist with resolving the problem. The tax bill was XXXX ( including interest and additional fees ). I recently found out I am being charged XXXX for and attorney 's fee and my mortgage has changed from {$400.00} monthly to {$1700.00}. M & T is also charging me {>= $1,000,000} in addition to the above amounts as a recoverable corporate advance. I have talked to them asking them to provide a fair bill but this is excessive and well beyond the amount of the taxes or attorneys fees. Please help me. I am a XXXX XXXX XXXX widow on a fixed income and I think they are trying to take my home with excessive fees beyond my income. I have not missed a mortgage payment, I have always paid my taxes until I became exempt I can not loose my home.
They still havent detailed why I am being charged XXXX that is separate from the legal fees. They lowered my payments to XXXX but thats still XXXX more than what I was paying and again Im on a fixed income and XXXX XXXX XXXX. Please help. They are trying to take my home my making it unaffordable.
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| 07/25/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
M and T bank sold my mortgage. I in error sent an electronic payment to them instead of my current mortgage company. M and T took the money, when I realized the error and called them it took multiple calls over 5 days, including escalating to supervisors to try to find where they put the money. They refused to do a conference call with my bank to figure out a way to prove they took the money, they refused to confirm they received my documentation proving this, all because I do n't have an active account with them. They then told me they sent the money back to my bank but could provide a tracing number to prove this. I then forced a conference call, was told they would call back with the tracing number, then they called and said they realize they still have the money, they were looking under someone else with the same name. They were unable to explain how they have someone with the same exact name who accidentally sent them the same exact amount of money on the same date from the same bank. They then reported they could only mail a check the next day, they could not electronically transfer the money despite trying to tell me that they had previously done an electronic transfer. When the money had n't arrived 11 days later I called to find out they had n't sent it the next day as agreed, but rather 8 days later. This was a clear attempt to keep money they knew was n't theirs, and completely unethical behavior for anyone but especially a bank
|
| 03/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am writing to express my disappointment and frustration with a recent experience at one of your branches and to request the immediate lifting of a hold on my account.
I have been unable to access my funds due to a hold placed on my account, despite having proof of a legitimate deposit. I recently deposited {$4500.00} into my account via XXXX XXXX from my XXXX XXXX. I have attached screenshots to this email as evidence of this transaction.
Upon returning home from a trip, I discovered that my work cell phone had been stolen from my car. I promptly reported the theft and any associated fraudulent charges to your bank and informed the representative about the situation. Despite providing this information, my account remains inaccessible.
Furthermore, I visited your branch at XXXX XXXX XXXX XXXX, Washington, DC XXXX to address this issue in person. Unfortunately, the staff members I interacted with were not only unhelpful but also extremely disrespectful, asking inappropriate questions and exhibiting rude behavior. I have recorded this encounter to document the level of unprofessionalism I experienced.
As a popular gamer with over XXXX XXXX followers on both XXXX and XXXX, I have a significant online presence and influence. I am hopeful that this matter can be resolved promptly and without further escalation. However, if I do not receive the necessary assistance, I will be compelled to share this incident with my followers.
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| 09/20/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Fees or costs during the application process
|
|
Web |
|
|
Me, my son XXXX and daughter in XXXX XXXX XXXX just purchased a property that was serviced by M & T bank, that had an assumable FHA mortgage attached to it. The loan number is and was XXXX.
The facts surrounding this process were unremarkable, up until just before closing. M & T approved our assumption, and XXXX of the lender 's conditions were that the buyer ( XXXX ) were to pay the XXXX payment for a closing date of of XX/XX/2023.
It is well settled and understood that mortgage payments are made in arrears, which means that M & T 's requirement that WE pay XXXX 's payment ( which is XXXX 's interest ) is wrong on three fronts : XXXX ) It interfered and changed the contractual agreement between the buyer and seller, which did not provide for the buyer to pay the seller 's interest payment for the month, which in tort is an interference in contractual relations.
XXXX ) Violated well established nationwide practice by all closing agents, mortgage companies, and industry professionals, 3 ) Violated FHA rules as it relates to assumptions. According to the XXXX, FHA forbids a mortgage company to charge the buyer on an assumption any more than {$900.00}. M & T 's requirement as a condition of closing that we pay the XXXX XXXX payment violates this rule in addition to the above mentioned transgressions.
It is therefore requested that M & T either refund us the XXXX, or apply it as a credit for our XX/XX/2023 mortgage payment.
|
| 09/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Pertaining to the invasive typo you sent me.
" Agency was instructed that accounts were low in their account for XXXX Statement and that you would close accounts if a deposit was not immediate '' Which is because of XXXX XXXX that I became victim of, Then they sent out a abusive letter threatening to close my account, I am a human trafficking victims and investigators are assigned to this case to correct the problem, you did not experience any inconvenience on this case and as instructed before, were told not to allow overcharges on my account if it were ever even the fashioning last point imperial that funds would be so low, I have been ever so courtese to your company and your behavior is not of someone or something that cares about the integrity of animals or humanes who are under crisis rescuing on their volunteer hours.
Please stop Harassing Me.
I formally took care of Several Agencies Life Insurance Accounts including XXXX XXXX, XXXX XXXX, FBI, CFPB, FTC, Police Unions, Fire Unions and XXXX XXXX and have not been paid the 10 Year Salary They Owe me on top of the Mandated Reporter Fines owed by compensation against XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX + XXXX XXXX Wrongdoing from XXXX XXXX Outlandish Behavior.
XXXX The account has been replenished of the funding and do not contact through mail under Confidentiality Requests, as it is Inappropriate and I have had problems with people opening my mail as of lately.
|
| 06/23/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I got letters and the mortgage statement from different address and XXXX different banks MT & Bank and XXXX. And sometimes they do not send me the mortgage statement how I have been requested several times. I sent to MT & Bank XXXX e-mails asking them how much do I have to pay in XX/XX/XXXX and they answer me {$820.00} in XXXX. in the second e-mail they said me {$550.00} in XX/XX/XXXX because the ESCROW is {$260.00}. If you check the letter from XXXX they say the ESCROW is {$120.00}.
I sent my payment on XX/XX/XXXX ( BEFORE XX/XX/XXXX ) waiting for the bank answer about pay my bill in XXXX monthly payments how I requested to the bank for my economic situation ( HARDSHIP TIME ) that I am not working, I live with a minor and I do not want to loss my house.
Today, XX/XX/XXXX I got a letter from XXXX saying I have not paid XXXX. Check the attachment, please. Plus, I have to pay {$820.00} on XX/XX/XXXX when I supposed pay ONLY {$120.00} OF ESCROW. Then the payment for XXXX IS NOT {$820.00}.
XXXX, after I called to MT & Bank XXXX XXXX to set up my monthly payments arrangements because I was going through for a hardship times, XXXX XXXX up and starts sending me documents. My account and my payments are on the MT & Bank website. I suspect they are charging me more because I have never stopped making my monthly payments.
*******And these inconsistencies can be seen and compared in the M & T Bank XXXX and XXXX mortgage statements.
|
| 02/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
2 years ago we purchased a new build. We were told the mortgage payments would be approx {$1100.00} per month. For the 1st year, they came in around {$900.00} per month as they had not had our taxes assessed yet. The 2nd year they came in around {$900.00} per month as well. I contacted the county and they said that they had done the tax assessment on our new house. I assumed that maybe it was already included in our mortgage. Last week we just received a " Shortage Coupon '' from M & T Bank wanting us to pay almost {$5000.00} in back escrow payments for 1 year and a half of taxes that were assessed. They gave us the option of paying around {$1600.00} per month or paying the entire {$5000.00} up front. I called them and asked if I could work out a payment plan that was closer to $ 1200-1300 per month. They said I could not and recommended that if I could not make the payment, I should sell my house. I told them that it was their fault that they waited so long to make us pay the assessment. At the time of purchase, we were told it would take about a year. We have been in our house for around 2 and 1/2 years and just now got the increase. I will find a way to make the payments, but it will be a financial hardship. I don't have {$5000.00} lying around to pay them in full, and I new in a million years would have signed up for a {$1600.00} a month mortgage payment ( which is what is staring me in the face for this upcoming year ).
|
| 09/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
M & T bought people 's bank, in beginning didn't have problem for first 2 days, then couldn't access my account to see balance, couldn't call XXXX number kept getting a automated male voice saying due high call volume please try back and would hang up so couldn't hear balance. Used as debit for immediate fund removal since was always told by peoples to do that. They held debit purchases for several days and somehow my account went negative {$78.00} when card should of been declined. Finally was able to get threw there was a rude customer service rep only thing she said was need money to spend money which I get and when asked why card wasn't declined her answer was they don't do real time deductions. Basically prevent us from accessing our online feature and from us calling to hear balance then hit us with overdraft fees when they held payment purchases. I've never had a problem with peoples bank. Over past 2 days they've sent the over draft post cards not sealed so every person who came contact with the overdraft post card was able to see my balance and part of my account number, this is horrible customer service and privacy violation, I want the overdraft fees waived since they wouldn't let us in accounts and wasn't able to check my balance on phone either and also with however any people who seen part my account number I'm not comfortable and want account closed. Attaching postcard that was not sealed and delivered open
|
| 09/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
My uncle had a little house is XXXX XXXX. The lenders kept sucking him into cash out refinance and continued to attempt to do it even after being told he had XXXX. I am a real estate broker and quickly ran comps. He was upside down during the time they were still trying to cash out refinance. The house was worth about XXXX and he owed XXXX. I cleaned up the house so he could go home to live his final days and I cleaned it out more upon his death. I live in XXXX and this involved several trips and time away from my business to do so. The bank then tried to get a default judgment on me even though I was never living in the home, never a signer on his bank account, and never on his mortgage and I lived over XXXX miles away! I had to spend thousands of dollars defending myself from this legal action. My husband and I were in the process of building a home a home here, and this would have messed up our financing! Despite a court order dismissing me from the case, the bank continues to try and collect from me. My uncle passed on XX/XX/XXXX and I 'm filing this complaint on XX/XX/XXXX. M & T Bank is a predatory lender on elderly veterans, and XXXX XXXX XXXX is unscrupulous company that is violating the debt collection laws. Also, note that I left the house cleaner than any repo I 've handled in my 17 years in the real estate industry.
Please note : I put my personal information on this form. My uncle was the retired veteran.
|
| 03/24/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
I am writing to alert you of fraud concerning my mortgage. I was alerted through a letter from M & T Bank that a pay off statement was requested from them. I received a letter to this regard dated XXXX XXXX, 2016. This is the letter stating now fnma-lakeview now owns my account. Which I never authorized any transfer of such things. There is a XXXX law firm constantly involved in fraud concerning a probate attached to this loan. My home is involved in a large plot of lands. I in no way afforded such people to own or transfer anything from my account. I have this mortgage merely to stop this kind of fraud from happening. I own these lands outright. There should not be any mortgages on any such properties or lands within this probate. Nor should the address or authority have changed. The parcel associated with this loan is XXXX or community XXXX panel number XXXX. I found a group boasting that they stole the probate through the transfer of the home attached to the loan. Please check into these things. The XXXX law firm attempted to steal a home attached to this probate in Delaware in previous years. They were unsuccessful. I would like any loans associated with this loan and homes or parcels checked into. There was only XXXX mortgage, it just got sold and resold never authorized. I show that many of these mortgages were placed on other parcels using the probate funds to pay such mortgages. I am the owner of this mortgage.
|
| 05/10/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
This is in regard to a XXXX Account that XXXX XXXX created. I am the Successor of the Trust and have the Power of Attorney for XXXX XXXX. On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX branch in XXXX and met with XXXX XXXX to gain access to this account. I provided legal documents as needed which were copied and sent to their legal department. I was told that I would be contacted in a week. After 2 weeks I went back to find that nothing had be accomplished on this transfer. a day later is was contacted and told that this was completed and to return to the bank to complete some other bank forms. Upon my return, I was told that my social security number was not correct and I had to return with my social security card. the card was then copied and sent to the lega department. I was then refered to XXXX XXXX to continue you with this. He told me that he needed the original Power of Attorney. I told him that I had provided it to XXXX, but he told me it was copied at that time. I brought it to him again and he copied it and sent it to his legal two weeks ago. I stopped in last week to ask him for an up date and he said that he did not receive any new information on this. I called him on Monday of this week and left a message as I would like to have him call me. He did not call and I called him again today. I left a message and he has not called back. I am frustrated and believe that there is something fraudulent going on.
|
| 07/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On Wednesday XX/XX/XXXX I contacted my bank and reported my debit card stolen and I requested a new pinI then was connected to the fraud department and I disputed atm withdrawals made on my account that I did not doI explained the last time I physically used my debit card at ATM was XXXXI explained there were two ATM withdrawals made that I didnt makeI noticed two which were the following on dates XX/XX/XXXX amount XXXX and XX/XX/XXXX amount XXXXI spoke with the representativehe didnt give any further steps or anything he just explained to me that the bank will issue a credit for the charges I disputed and the bank has 90 days to do a formal investigation..so today is XX/XX/XXXX and I contacted my bank gave them this claim number XXXX because thats the claim number he gave me on XXXXand a representative today said can I help you and I said yes Im calling to check the status of my claim filed because my bills I paid are now being returned and she said the bank denied my claimand I asked why she said she didnt know whyand I asked her what do I do nowthis has never happened to mesomeone stole my card went to the atm and took my money out my account and I didnt give anyone any permission to that..and my bank didnt do any formal investigation and I am due a provisional credit and the bank is supposed to do a formal investigation and that is what the first customer service representative explained to me on XX/XX/XXXX
|
| 02/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I am the executor/personal representative of my aunts estate and she passed away, on XX/XX/XXXX, with an outstanding balance of roughly XXXX points ( equivalent of {$880.00} ) on her M & T Bank credit card. I reached out to M & T Bank customer service to get information on the process to close the checking account and to get a check issued for the points balance on the card. I was instructed to deal directly with a branch representative ( no mention that there was an estate services division available to help with such issues ). I sent an affidavit on XX/XX/XXXX directly to the branch with attention to a specific representative, including instructions/inquiries on how to monetize the points on the account. I then followed up with at least 6 phone calls over the next few months dealing with the same Branch representative, but never got a resolution. When I finally gave up with dealing with the representative, I reached out to the credit card customer service. I had to specifically ask if there was an estate services area in order to get them to take any action. Once I inquired with the estate service directly on XX/XX/XXXX, they rejected my request to receive a check, given I was outside the 45 day time frame that was required to make such requests. On a separate note, it took XXXX XXXX XXXX less than 2 weeks to issue a check on credit card points in the estates name after I started the process with that bank.
|
| 06/29/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I called M & T Bank at the onset of COVID-19 to inquire what their options were going to be in the wake of the pandemic due to the possibility of my husband potentially losing his job. Their website stated they would process deferments, when I asked about that, they said it was an error and they would not do deferments, only no negative credit reporting and forbearances. I thanked them for their time as we were not certain at that time if my husband would lose his job. In XXXX of 2020, I received a call from M & T bank inquiring our financial situation as our FORBEARANCE was coming to an end. I told the agent that I never requested a forbearance and had made all of our payments on time. She said she took us out of forbearance even though I never asked for it. The next week, I get another call for the same purpose. I said the same thing, that we never should have been in forbearance, I repeatedly asked how that even happened and she said when I inquired about payment options that they put us in forbearance to help us out. I told her over and over that they legally can not do that. I work in XXXX and I am aware of the implications of a forbearance. My husband went to pay online today and it gave him an error that he can not pay on the mortgage due to forbearance restrictions. I called again and she said the payment is in their system. I would like a letter from M & T Bank stating we were never in forbearance.
|
| 10/29/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have requested that my mortage company MTB remove the pmi from my account since the loan was originally signed in XX/XX/XXXX. This would allow me to drop pmi if 80 % of the original value and loan in good standing. Currently my mortgage company quoted me this " Message Details To reply to this message, click Reply. To delete this message, click Delete.
Send a Message| View Secure Messages Message DetailsDateXX/XX/XXXXFromXXXX - M & T Customer ServiceToXXXX XXXX XXXXSubjectRE : RE : Mortgage PaymentsMessageDear XXXX XXXX XXXX , Thank you for your inquiry.
Please be advised, I have confirmed your loan does not yet qualify for early termination of Mortgage Insurance ( MI ). To qualify for early termination of the mortgage insurance, your loan must be at least five years of age with a Loan to Value ( LTV ) of 78 % and no payments more than 30 days late within the prior 12 months. Since the XX/XX/XXXX was more than 30 days past due, we are unable to accommodate the request to remove the mortgage insurance according to the Department of Housing and Urban Development 's ( HUD ) requirements.
If you have any further questions or concerns, please feel free to contact our Customer Service Department at XXXX.
Sincerely, XXXX XXXX Mortgage Customer Support Retail Loan Servicing '' My loan is already at 80 % and they are in violation of the fha line terms. My original loan amount is XXXX. I am currently at XXXX.
|
| 11/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I am writing to respond to M & Ts reply to my XX/XX/XXXX complaint # XXXX as well as to CORRECT my complaint. I did not correctly explain the situation in that complaint and I attest that the following is what I meant to express in my initial complaint : I just learned in XXXX, XXXX, that back in XXXX, XXXX, when I was XXXX years old, my parents had my signature forged onto a mortgage note so they could buy a home.
I did not sign that note or any documents related to the purchase of the home. I was only XXXX and I was out of state at college at the time. I had no idea my parents were using my personal information and my income ( as an employee of their company ) to qualify for the mortgage.
The loan information never appeared on my credit reports, nor was my name printed on any monthly mortgage statements. I only learned that my name was on the account when the account started reporting to the credit bureaus in XXXX, XXXX. As soon as I learned I could make a complaint to the CFPB for assistance I filed my complaint. I did not accurately describe the problem in my XX/XX/XXXX complaint. I also alleged predatory lending practices but I didnt mean that M & T had engaged in anything predatory ; I meant I felt something was wrong if parents can forge their teen-aged childs signature and buy a house. If there was any wrongdoing, it was likely on the part of my parents, their lawyers and their mortgage broker.
|
| 06/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My home was foreclosed on by M & T Bank on the following date, XX/XX/XXXX. This was after a six year process with both M & T Bank ( the current holder of the mortgage loan ) and Hudson City Savings Bank ( which merged with M & T Bank in XX/XX/XXXX) submitting multiple loan modifications. I received via regular postal mail on XX/XX/XXXX the 'Notice of Demand Of Possession ' attached in this compliant - three notices total as you will find addressed to XXXX XXXX , XXXX XXXX , and Tenant/Occupant. Within these letters, both M & T Bank and M & T Bank 's legal counsel ( XXXX XXXX XXXX XXXX ) included incorrect and carelessly exposed information on the following : a ) The property listed as : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is listed on two of the three documents sent. This is not the correct property associated with this case and sensitive matter. This is a breach of privacy and a violation of bank privacy laws ( federal and state ) against both myself and my spouse ( XXXX XXXX ), as well as the residents of the above stated property which was carelessly exposed. b ) The date of Sheriff Sale is incorrect on all three documents. XX/XX/XXXX on two of the documents, and XX/XX/XXXX on the other are all incorrect. My expectation at this time is that M & T Bank will conduct a full internal self investigation on this entire case ( File # XXXX, Loan # XXXX ) and the CFPB will act as the liaison. Sincerely, XXXX XXXX
|
| 12/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Last week we logged into an account we do not use much, it is solely for paying the mortgage, maintenance and taxes on a building. That is when we found fraudulent activity, where someone was able to clearly get in via online banking, link other accounts such as XXXX, XXXX, etc to pay off bills ( likely from a stolen identity ). We notified M & T immediately, went to the branch, got them involved, and signed all documents. They started to state it could be internal hacking on our side. We are a software company -- and know we are fully protected, but for proof, we ran full scans of our network, of the only computer that could access the account, and came up 100 % clean. Our network is locked down and secure. Furthermore, the bank could easily check IP Addresses that logged into the account, and beyond that, see there are multiple credit card payments made from our account rope in those companies and see who holds those cards. All they keep saying is " its under investigation ''. They sent a letter today refusing the credits, but their VP said " its still being investigated ''. In a matter of 2 weeks, there was over {$11000.00} stolen from my account. XX/XX/XXXX {$1300.00} paid to XXXX. XX/XX/XXXX {$9500.00} paid to XXXX. And XX/XX/XXXX {$980.00} paid to XXXX again. I am beyond disgusted that they are refusing to refund the money, and keep telling me its under investigation, and could be for up to 90 days.
|
| 03/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We purchased our mortgage with XXXX XXXX Within the first month the mortgage was sold to XXXX XXXX. The servicing contractor is M & T. They reached out to us and advised us that the homeowners insurance is XXXX and the principle balance is XXXX and we needed to get replacement value coverage. I reached out to my agent for the insurance and they advised the dwelling structure coverage is for replacement cost of XXXX. The land is not insurable.
I spoke to XXXX XXXX at M & T ; they are demanding we get gap insurance for the difference between the principle balance and the dwelling cost. My insurance agent is not able to increase the value of the replacement cost without proof of significant improvements since purchasing in XXXX. We have not improved the property. M & T are advising they will purchase an additional insurance at our cost if we do not increase the amount. I have been advised by my insurance agent and XXXX that this is a common issue with M & T and that the Florida Law is not being followed : Florida Statute Section 690-167.009.
No Mortgage lender shall, in connection with any application for a mortgage loan in this state which is secured by a mortgage on residential real estate located in this state, require any prospective mortgagor to obtain by purchase or otherwise a property insurance in excess of the replacement value of the covered premises as a condition for granting such a mortgage.
|
| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
i have disputed this with the credit bureaus 3 times i have contacted the bank ( m & t bank ) over 20 times over a 3 month period starting in XX/XX/2017 when i had the loan originated with XXXX XXXX XXXX who you bought it from there was supposed to be 4 months of reserves. 3 days before closing the terms were changed by the underwriter and i was not informed.
after M & T Bank bought the loan i had assumed this went through. i did not receive in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX stating that my payment was due. in XX/XX/XXXX i received a tax bill from my town and a mortgage bill. i call m and t and asked why i received the bills and if there was money in escrow to pay it, I WAS TOLD YES THERE WAS. in XX/XX/XXXX i received the 30-day late notice from my credit report and immediately call m and t to find out what happened. they explained that there was no money in escrow for mortgage and that when i was told there WAS they were only referring to the tax bill. I IMMEDIATELY PAID ALL 3 MONTH OF BACK MORTGAGE TO CLEAR UP THE MISUNDERSTANDING.
The 30 days late was not my fault, it was not m and t fault but a tragic misunderstanding by both parties and i should not be penalized for this. I have provided documentation from both the originating bank ( XXXX XXXX XXXX ) and emails stating this.
the only response i get from M & T Bank is " we looked into the matter and believe the reporting is correct ''
|
| 05/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
I ' am have a problem with M & T Bank, now my husband and I do not have that much money to speak of but for some reason M & T is charging us over draft us overdraft fees of {$38.00} for transactions that should come out when you make that transaction and when I check it on line it is pending, but the next time I check which sometimes is the next day or few days after we are charged these fees for overdrafts. I do my banking online and sometimes I get message stating that the on line banking will be down because of updates and every time this also happens I get every more overdrafts, we also get overdrafts on the same day that my husbands direct deposit goes in even if it is with in mins of the transaction happening. So last week XX/XX/2016 I got my XXXX check there was two hundred and some $ of overdraft fees which crossed as my check was being deposited. It seems to me it is every time we have a direct deposit or they do an update it costs us so much money and I thing this should be checked out, I did call their service department and asked them why this was happening and she said " I do n't know what you want me too do you need go in and talk to someone at your bank " will why are they called the Customer Service Department? Like I said in the beginning we do not have that much money and we come really close in my banking but it is coming to much of a pattern and I think this should be looked into.
|
| 05/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
I bank with M & T Bank for over 10 years. I received a letter sometimes in XX/XX/2023 stating that I needed to call the bank to update my personal information on our joint account. I did so via phone and was asked to provide my citizenship and employment information. When I asked if my spouse needed to update here information as well, I was told that no need for that as I was the only person that needed the update. On XX/XX/2023, I found out that M & T bank froze all of our accounts, rejected my direct deposit from my employer, returned couple of payments ( credit card and car payment ) I am now going through a financial hardship as a result. I called the bank and spoke to a supervisor as he was able to identify the issue. He removed the hold that was placed on both of our accounts and advised that I will need to deal with employer and the other companies who payments were rejected. We have never received an official notice that our accounts are going to be frozen nor we received any notice about updating my spouse personal information. I need this matter to be investigated and requesting a remedy from M & T bank to compensate for this financial hardship that was caused as a result of the lack of communication and disclosure to consumer. Thanks in advance for your assistance with this matter. A Congressional complaint will be filled against M & T bank followed by this complaint to your organization.
|
| 12/13/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/2021 I, the consumer, received communication from M & T BANKXXXX XXXX XXXX XXXX with obscene and profane language threatening to to take my property to coerce payment of an alleged debt that I do not owe them. These individual actions are a direct violation of my consumer rights under Title 15 Chapter 41 subsection 15 USC 1692d.
I sent debt validation letters to M & T BANKXXXX XXXX XXXX XXXX and XXXX XXXX XXXX by certified mail with green return receipts on XX/XX/2021. They were received and signed for on XX/XX/2021 and XX/XX/2021.
I, the consumer, am disputing the validity of this alleged debt and pursuant to 15 USC 1692g, I am enforcing my right to refuse to pay this alleged debt pursuant to 15 USC 1692c ( C ). I am demanding an audit traiI pursuant to 12 USC 1831n and 12 USC 5562C ( 10 ). Please provide documentary material as defined by congress showing proof of this alleged debt ( The term documentary material Includes the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) name and address of the original creditor and verification ( The term " Verification '' means a formal declaration made in the presence of an authorized officer such as notary public under oath ) or a copy of the judgement of the alleged debt be mailed to me the consumer.
|
| 07/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I received a loan to purchase my truck from M & T Bank. I tried to go on line to set up automatic payments, but in order to schedule online payments I had to go into an actual branch and complete paperwork. On XX/XX/22 I went into my local M & T Branch located at XXXX XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX. I completed the paperwork, but because my XXXX payment was due on XX/XX/XXXX I was told I would still need to make that XXXX payment because the paperwork that I just completed would not go into effect until XXXX/XXXX/22. I went online and scheduled my XXXX first payment for XX/XX/22 for the full amount of {$680.00}. On XX/XX/22 there were XXXX transactions of {$680.00} charged to my account. Only XXXX were taken out from my bank account. I contacted the bank immediately when I noticed this. I spoke to the branch XXXX, XXXX, and she said that the money would be deposited back to my account within XXXX business days. It took them until XX/XX/XXXX to finally deposit the money. This put a financial hardship on me. I had to borrow money to make ends meet. When I contacted the corporate office and told them the situation, I spoke to a XXXX XXXX XXXX on XXXX/XXXX/22. He told me someone would call me within 1-2 days before the week is up. No one ever called me. I received a letter on XX/XX/22 apologizing for the inconvenience. An apology does not help with the struggle I endured to make ends meet.
|
| 03/14/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
According to Colorado Revised Statute XXXX ( XXXX ), in the case of a foreclosure sale by the Public Trustee, a sale date can be no less than XXXX calendar days nor more than XXXX calendar days after the date of recording of the notice of election and demand, which is this case was recorded on XX/XX/XXXX.
Also, according to Colorado Revised Statute XXXX ( XXXX ) Dual Tracking Prohibited Defendant received confirmation from servicer, M & T Bank XXXX during the first week of XX/XX/XXXX ( letter dated XX/XX/XXXX ) that a loss mitigation application had been received and that it was complete. In addition, during the same time period, M & T Bank stated in multiple phone conversations that foreclosure proceedings were suspended pending the " process of being reviewed to determine if you ( I ) qualify for assistance ''. The Public Trustee was NOT notified of such status so the foreclosure process was continuing in the " eyes '' of the Public Trustee, therefore Dual Tracking.
Some time during the second week of XX/XX/XXXX the defendant was notified by M & T Bank that the application as submitted by defendant was not accepted, and that a new application could be submitted, which is currently in progress. The XX/XX/XXXX notification set in motion the foreclosure proceeding that was recorded on XX/XX/XXXX, setting at sale date of XX/XX/XXXX, which is only 57 days from the recording date of XX/XX/XXXX.
|
| 06/18/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Today at XXXX California Time I received a call from M & T Bank stating that I need to pay {$960.00} for the month of XXXX mortgage or else I would be charged fees. I explained to this caller that my mortgage was transferred from XXXX XXXX Bank and when the transition happened I was assured by letter that my payment status quo with XXXX XXXX remains the same. I pay my mortgage every two weeks in the amount of {$960.00}. Henceforth, the payment that I made through my XXXX XXXX Account on XX/XX/2019 is the first half payment for the month of XX/XX/2019 and that I am not late. I was told that I should have made this arrangement with them but I was assured that the transition will not affect my agreement with XXXX XXXX. I also made a telephone call before the transition and asked if there is anything I should do but was assured that if I have no changes on my mortgage it will be okey. The mortgage bank information is M & T Bank XXXX XXXX, loan XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. I have been diligent on my mortgage payment every XXXX weeks through my XXXX XXXX Bill Pay. Although I was transferred to a customer service representative that its been fixed that I am not late and my next payment this XX/XX/XXXX will be applied for the month of XXXX I cant trust their word on this. Please investigate this. Thank you.
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
|
| 01/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
M & T Bank made a breach on my XXXX Credit Report profile page. When reviewing my XXXX Credit Report file XX/XX/XXXX, I was stunned to discover an unauthorized land line phone number was listed under my home and cell phone numbers. I disputed the unauthorized phone number on XXXX website & called XXXX on XX/XX/XXXX to confirm the disputed report and have the number removed from my profile page. The XXXX agent stated that M & T Bank added the unauthorized phone number one month after my husband and I took out a loan for a recreational vehicle, which would have been XX/XX/XXXX. I immediately contacted M & T Bank, the first Bank representative made a lame suggestion that the unauthorized phone number was likely a bank branch number, but the nearest branch is 129 miles from my home, and the area code is the same as mine. I hung up & called a 2nd time, requesting to speak to the Fraud department, in which the bank representative did find the unauthorized number on M & Ts file in my name. The number was removed. I wrote a letter to M & T Bank XX/XX/XXXX explaining the above and requesting HOW this could have happened. I checked the other credit reporting agencies & only XXXX had the unauthorized phone #. I check my credit reports annually, did not notice the phone number until XX/XX/XXXX. I am aware that M & T Banks ATM accounts were hacked and wonder if other systems within the bank were hacked?
|
| 03/23/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
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
|
| 09/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
As a Peoples Bank customer i have gone through the nightmare that was the transition or lack there of to M & T Bank.
See XXXX XXXX article dated today : XXXX XXXX XXXX As an FDIC approved personal checking and business account holder I have not had access to my accounts since last Friday as branches and mobile banking were closed due to the transistion.
Tuesday, I waited more than 16 hour and finally received a call back from M & T after hours which was impossible to respond to. I still do not have access to my mobile accounts and the mobile app repeated crashed. The customer service numbers did not function at all and when I went in person finally to a branch they were not able to assist me and directed me to call customer service which I explained was impossible.
M & T Bank botched this transition and demonstrated a lack of execution, leadership and planning of staff allocation to accommodate what should have been foreseen as a high demand client service event.
The fact that this is an FDIC insured bank and we have essentially been locked out of our accounts over the XXXX XXXX weekend should be investigated at a minimum. I dont recall receiving any document which stated accounts would not be available.
This is what happens when your small community bank continues to get bought out by larger banks. You lose quality customer service and see an erosion of your banking services.
|
| 03/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
From the period of XX/XX/XXXX- XX/XX/XXXX. I have been getting over draft fees from M & T Bank. I put this period time line as this is the frame of my complaint. M & T Bank has been charging me over draft fee 's unfairly when I could have just transferred the funds into my account to make sure that said payments would be taken out from the merchant. I have a total of XXXX accounts with them and they are very misleading when opening business accounts as well. They did waive four fees for me, but the others are not justifiable. I believe a total of {$3800.00} or more of fee 's have been taken out of my account with M & T Bank. There banking practices are unreasonable and unfair when it comes to fee 's. From this particular period I didn't have overdrawn account protection due to the pandemic. It's been very challenging for me and I have been banking with them for over 5 years. I understand that this is a corporation. However, they have some very unfair practices with over draft fee 's. I made a payment on XX/XX/XXXX for {$27.00} and transferred the amount in my other account because normally it takes 2-3 days for the merchant to receive the ACH and M & T hit me with a {$36.00} over draft fee in my account. I don't understand how banking works and I keep up with my account. This is getting out of hand with them charging fee 's in under 24 hours of transferring funds into another account.
|
| 08/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
My perception is that the M & T XXXX XXXX XXXX XXXX Bank at XXXX XXXX XXXX XXXX, DC, XXXX, is engaging in an illegal practice of charging an unauthorized fee to customer checking accounts. I opened an account with this bank XX/XX/2019, and specifically stated that I did not want checks. On XX/XX/XXXX, when reviewing my account on-line, I saw that on XX/XX/XXXX M & T had charged my account for {$16.00} for unauthorized checks. Not only was the charge not authorized, the deduction from my account invalidated a promotion to keep the account balance at a specific dollar amount.
I asked to speak to a manager and was told he was unavailable. So I went to the branch XX/XX/XXXX to speak to the Branch Manager, XXXX XXXX XXXX. Mr. XXXX had no explanation as to why the charge was put on my account, nor why the charge appear almost a month later when it might not be noticed by the average consumer. Although he did reverse the charge, he could not guarantee that I will not face a new problem when the promotion comes due XXXX.
I also called M & T 's corporate customer service, XXXX, and was stone-walled. The supervisor to whom I spoke, XXXX ID # XXXX, refused to escalate my concern to the manager level, refused to leave a message for a manager to return my call, and refused to accurately record my complaint/concern by omitting my comment that he would not pass on this concern to a higher level.
|
| 04/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mom passed away XX/XX/2017. And willed the home to my XXXX niece and nephew and made me executor of the estate. Prior to my mom 's death we quit claimed the home so it was in my niece and nephew 's name. The mortgage company now is giving us the major run around and not allowing us to transfer the mortgage over into my niece and nephews names and pretending both my parents are still alive. We have sent both death certificates and they acknowledge the got both death certificates. Along with the death certificates I sent the quit claim and a notarized will claiming me as executor and that the house is to be willed to my niece and nephew. And all this was sent certified mail and the U.S. Post office shows the entire package was delivered.
So they are intentionally now are threatening foreclosure. My mom was my niece and nephews PAYEE for thier SSI and social security held back atleast three months of payments after my mom passed to find them a new payee. So there was a delay in payments but it was because of the Social Security Administration not by us. But either the way the mortgage bank is going to proceed with foreclosure and will not communicate anything about the mortgage because they are claiming my parents are still alive. This is very illegal what they are trying to pull. And we can not afford a attorney. We have a very limited income as I am a XXXX veteran. Please help us.
|
| 01/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
Between the dates of XX/XX/XXXX-XX/XX/XXXX someone used my business debit card to purchase $ XXXX {$7000.00} worth of high cost items. 38 charges for random products such as shoes, batteries, child face shields, dog boots and more. My account was taken down to only {$900.00} left in the account. I only realize what was going on when I started receiving these packages. Not once did the bank call me or freeze the account. They just watched someone continue to run charge after charge all day long mainly on XX/XX/21. Charges were not small items. Charges were XXXX, XXXX and more. I want this incompetence looked into. I am just a small middle class mom of 2 trying to run my own candle business. Im appalled at the lack of action of M & T bank. It took me months to grow the amount in that account by working 16 hours a day for the pay several months, just to have someone drain it in 48 hrs. I have contacted the police and filed a police report and I have also contacted the FBI. Whoever did this is having all of these packages ( 38 of them ) delivered to my home. It has been advised to watch my home as we are not sure if someone is watching my house to collect these packages if they can. I cant even begin to explain the emotional stress this has caused let alone the bank is only giving me back at this time 13 of the 38 charges. I am looking into further legal action against this bank as well.
|
| 03/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
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.
|
| 01/09/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Recently I received notification from M & T Bank ( creditor ) that our escrow account was short. Our two options were to make a payment in full to satisfy the escrow shortage, or make monthly payments to satisfy the deficit. My family and I decided to make additional monthly payments. Three additional payments were made towards the escrow shortage. Separate checks were written and I specify on the memo section of the check that these additional payments should be applied towards the escrow shortage.
M & T chose to apply my escrow check payment towards my principle & interest payments, therefore, they have failed to apply my escrow payments correctly. Several unsuccessful attempts have been made to resolve this matter. During my last attempt to contact them in XXXX 2017 I was finally promised that they would reverse the escrow payments that were previously credited to my principle and interest. Unfortunately, about two weeks later we were contact by the creditor, this time to inform us that they will not be able to correct their mistake since the error occurred more than 90 days prior.
Again we have made several attempts to resolve this matter within 90 days prior to receiving the last letter from creditor.Furthermore, creditor is reporting that I am 30 days late on my mortgage based on how my account was credited. This erroneous reporting can be a detriment to my credit scores.
|
| 08/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have a home in XXXX for 15 years with my wife. My wife passed and i had to go get the home changed into my name. M & T bank knew that and after a long court case got it into my name. I was working with XXXX XXXX XXXX XXXX and they approved my claim and was trying to work with M & T bank on a loan modification. We had been talking for 3 months working to get a deal done and M & T bank had a servicing company call XXXX which was supposed to service the loan but XXXX XXXX XXXX XXXX doesn't work with servicing companies only with banks. M & T was to talk with XXXX to keep them updated on what was going on with the deal we were trying to make but M & T never kept XXXX in the loop. XXXX then lied and said they spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX and stated they got a denial letter from XXXX XXXX XXXX XXXX. I talked with XXXX XXXX XXXX XXXX and they said they never spoke with XXXX and that my case was still pending. Neither me nor XXXX XXXX XXXX XXXX recieved and type of foreclosure notice or even a letter stating forclosure was immenent. On XX/XX/XXXX they forclosed on my home and took away any options i made have had which included short selling. They didnt wait the 20 days they are supposed to and have started to remodel my home. Im looking to get the foreclosure reversed so i can take my home back and either keep or sell. I would love to have help in this dire circumstance
|
| 12/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Since M & T Bank took over my Peoples Bank Account there is a continuous problem accessing my account through their online banking system. When I login I keep getting locked out of my bank account and when I call their customer service rep ( that is if their customer service center is open ) they have no answer for the lockout. The rep will unlock my account and all seems fine for a few hours and then it goes back to being locked out again and again day after day and its been for 5 days straight now and this has been happening since the change over to M & T Bank. The reps keep stating that it is a sensitive alert system and they start to laugh or chuckle at me!! This also happens every time I try to send money through their XXXX online banking program and I mean every time! I constantly get a fraud alert and get locked out!? I am logged into my own account using XXXX from my own account and I get a fraud lockout!? How is it fraud if I am successfully logged into my own account at the time!? And then locked out of my account again and the kicker is M & T Bank does not have a XXXX hour customer service center to call to unlock my account after XXXX XXXX so I cant access my own money till the next day!? A XXXX hour service needs to be set up to resolve account issues after XXXX XXXX especially for account lockouts!? This is a serious problem that has been going on for far too long!!
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In late XXXX I received a Strange call from M & T bank which stated my account has been compromised and they would be sending me out a new debit card. They also suspended my my online banking which revoked my access to all my account associated with M & T. Now mid way threw XXXX i receive another call saying my account was over drawn I told the rep i will not verify anything over the phone and I would like to call the number on the back of my card which i did right after the call and the rep said my account was fine and not overdrawn. Now XX/XX/2022 I received another strange call saying my account was over drawn again so i said ill go into the bank and I will not be talking to anyone over the phone because something weird is going on. So XX/XX/XXXX I went into the branch to clear everything up. After sitting with the rep they wanted to make sure I was the one that made certain transactions which we confirmed they banker then removed all the blocked on my account and online banking. That same day I made a payment of {$340.00} to my credit card account in which I've never been late on. Now today XX/XX/XXXX I receive an alert on my consumers report that I have a late payment reported from M & T Bank which is not true. I would like this matter resolved and the late payment removed from my consumers report. I will provide proof of my payment and how my account was not pass due ever.
|
| 04/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I received a letter dated XX/XX/XXXX from M & T Bank advising me that they were closing my checking account as of XX/XX/XXXX. The letter said not to call them because they would not give any further information. I did call on XX/XX/XXXX when I received the letter without giving my name just to ask in general what reasons might be for the bank closing an account and the clerk would give me no information whatsoever. I have had a relationship with this bank for at least 25 years and have never bounced a check. My husband and I direct deposit our paychecks into this account and have since the day we opened the account. I checked my credit report and there was a soft inquiry from them on XX/XX/XXXX. I have no idea why they checked my credit and would like to know why. However, there is nothing on my credit report that would negatively impact me having a checking account. All of my debt is current and with the exception of a 30 day past due from my XXXX XXXX credit card for an amount of {$32.00} in XXXX, XXXX, there has never been even one late payment on any of my accounts. I would like to know if there is something on my record that is incorrect or fraudulent so I could take care of it. This also will cause a huge problem with my Stimulus check from the Treasury Dept. This account is my bank account for my direct deposits to the IRS. If they are bounced back, I will never get them.
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| 08/23/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
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I applied for NH Homeowner Assistance Fund ( HAF ) on XX/XX/XXXX ( I previously had help from them on XX/XX/XXXX to pay my mortgage ). On XX/XX/XXXX my application went into review. XXXX came around and it was still in review so i contacted HAF to see the status of my case. I was informed that I was approved, but M & T bank, my mortgage holder failed to fill out the amount past due on the V Record, causing it to fail. I have been calling weekly, both M & T and HAF and the same thing. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX twice M & T sent failing ( missing information ) V Records to HAF. HAF keeps telling me that they have been prepared to pay ( now including XXXX payment ) since XXXX, but M & T is keeping me from receiving my right to a federal grant. M & T has since been sending me foreclosure letters/default letters. I feel like they are trying to get me to take a higher percent mortgage redo because mine is only at 3.4 % right now. Everytime I speak with M & T now they record me saying I can not bring my account current today. I know M & T knows how to fill out the V Record correctly because they have already received payment from HAF for me. I feel M & T is being unethical and trying to strong arm us. Please help, I have already put in a complaint to the NH banking Department, which sent me to The NY state Department of financial services, which has now sent me to here.
|
| 06/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American, Servicemember |
|
Date : XX/XX/XXXX Name : XXXX XXXX XXXX, XXXX Address : XXXX Fletchwood XXXX XXXX MD XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX, XXXX, MD XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX disclosure department, XXXX XXXX XXXX, XXXX, Ga XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To whom it may concern : I am writing to dispute the following information in my file : Account # : XXXX Open : XX/XX/XXXX Balance : XXXX High Balance XXXX Payment : XXXX Account Home Loan.
Premises address : XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX XXXX XXXX Account identifier District XXXX account number XXXX My then wife with the help of the women batter center in XXXX , Md file a file XXXX charge of XXXX against on the compliant file my XXXX XXXX XXXX . I was XXXX and XXXX, I was order to never return are put one foot on the property are I would go the Jail. This was XX/XX/XXXX, on XX/XX/XXXX I was found not quite of all charges since they were made up away, but the damage had been done I had lost everything including my current job. I file a lawsuit against my employer for wrongful termination and won. All the creditors came after me filing garnishments and I was already paying back child support by garnishment. I had know other course but to filing a ChapteXXXX XXXX. Now by credit is suffering because of a lie five years later.
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| 04/02/2019 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
|
|
I submitted documents to M and T Mortgage for a loan modification, as I had fell behind because of unexpected hardship expenses. Im not finally ok, she just want to get my mortgage back on track.
About 10 days after I submitted the documents via the banks email system for modification applications, I called the bank to check on the status. I was informed by the agent that they do not see my documents. I assured the agent I emailed them 10 days prior and got confirmation of that. The agent then asked me how many pages I submitted, because he explained that if its more than 20 pages, theyd system will not transmit, and that it has to be 20 pages or less. I told him I submitted more than 20 pages, so it was decided I would resubmit the application in smaller amounts of pages. I did so, and they got them.
I made sure to point out that the bank can not penalize me for missing a 37 days guideline, cause its not my fault their system only transmits 20 pages at a time, and the bank never advised me of this, nor was the info on their site. The agent explained that the system failure would be taken into consideration.
Now I realize it was not, because the sale date was supposed to be placed on hold and it was not, because they claimed I missed the 37 days deadline! Even though its not my fault! Now I have a sale date hanging over my head BECAUSE OF A SYSTEM FAILURE AT M AND T BANK!
|
| 07/25/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I am a XXXX XXXX whose home was destroyed in Hurricane Ian & my XXXX is a XXXX. 14 days after the hurricane, our mortgage was bought out or transferred to M & T Bank. Ever since then, we have had nothing but issues with this mortgage company. Every time you call their loss draft dept, you get a different answer. Some of their agents are not trained right.
It's been almost a year since hurricane Ian & we have completed extensive repairs to our home so we can move back in. Our home is approx 90 % done right now, however M & T Bank claims it's only 50 % done ( per their inspector ). Because of their inspectors report, they will not release any more insurance money to us. However, their inspectors have only done " remote '' inspections & have never been to our home.
Last week I requested an in-person inspection be done and M & T bank cancelled my inspection request. Now they claim they need another " scope of work '' from my insurance co XXXX XXXX XXXX XXXX XXXX ) which went out of business in the state of FL. So now I have forced placed insurance thru M & T Bank but their agents don't seem to know that. One customer service agent tried calling my old insurance company, even after I told her I had forced placed insurance thru M & T Bank.
M & T Bank seems to make every excuse so they can keep the insurance money as long as they can. I'm sure they " make money '' off of it.
|
| 06/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
M & T Mortgage failed to send the entire tax payment to the tax office from my escrow account. They were sent two tax parcels and failed to make the full payment. They also failed to contact me via letter, phone, or email to inquire or rectify the situation. They admit to receiving the two parcels from the tax office and failed to take any action to contact me. I had no idea they did not pay the full tax amount owed until after it was past due. I received a delinquent letter with late charges from the tax office in the amount of {$300.00}. They instead send me a partial refund way after the delinquent dates. In XXXX, I received a letter after I made a complaint with mortgage company that they do not feel like they are responsible for the late charge and have added the {$300.00} to my escrow account. I filed another complaint with the mortgage company and never heard back. I then followed up again on XX/XX/XXXX and was told they still didn't want to refund the {$300.00} to me for their mistake and inaction. I never chose this mortgage company in the first place. I will never use them again if they do not take the proper corrective again and pay the late charge that was their fault in the first place. I have no problems filing a complaint with the XXXX XXXX XXXX, other financial consumer complaint websites, making sure they get bad reviews for improperly handling this matter.
|
| 07/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American, Servicemember |
|
I am the XXXX of a nonprofit organization in Massachusetts called the XXXX XXXX XXXX XXXX XXXX. Beginning last XXXX, just before M & T Bank acquired People 's United Bank, we began having fraudulent ACH transfers steal funds from our checking account. By the time we realized this was happening, M & T owned People 's United. I went to a local branch in XXXX, Massachusetts and filed a claim.
Over the next XXXX months, we closed and opened XXXX checking accounts as the fraud continued. M & T was very slow to give us our money back and in XXXX of this year I filed a claim with CFPB. M & T then returned {$20000.00} to our account.
Our accountant worked for months to rectify the money stolen and the money returned by M & T. On XX/XX/XXXX I wrote to the branch manager from XXXX, XXXX XXXX now moved to M & T in XXXX, Massachusetts, about how to proceed to rectify the difference between what our account says the bank still owes us and what they had given previously. I got no response to XXXX emails so I called and was told she wasn't available ever.
On XX/XX/XXXX I emailed the president of M & T Bank, XXXX XXXX, to ask for help straightening out the discrepancy. I have not received a reply to my email.
Our accountant says we are still owed {$5400.00}. We are a small, spiritual organization with a small budget and we can not afford a loss like this when we did nothing wrong.
|
| 08/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I signed up for a promotion for M & T Bank under which if you leave {$10000.00} in the account for XXXX and XXXX, they would pay a {$350.00} promotional bonus by XX/XX/XXXX. The bonus code I signed up under was " XXXX '' but I later called to have this changed to " XXXX '' which also included an extra {$100.00} for having a {$500.00} direct deposit made tot he account. This bonus was already received.
I transferred {$10000.00} to the account by XX/XX/XXXX and did not remove any funds until XX/XX/XXXX, so I met the terms of the promotion for earning the {$350.00}.
I received a letter in the mail dated XX/XX/XXXX that my account would be closed as of XX/XX/XXXX. The letter did not contain any information about why M & T was closing the account. I suspect it's because they do not want to pay out pursuant to the terms of their promotion.
I spoke to 3 separate customer service agents today, and each one had a different take on whether the bonus would be affected, so I am writing to the CFPB for clarity on this issue. It would also be helpful to know why M & T is closing my account and to confirm that it will not adversely impact my credit score or any other reports or my ability to open bank accounts in the future. I do have a recording of the last call in which the agent indicated that the payout of the bonus would not be affected by the subsequent closure of my account.
|
| 08/24/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am writing this to inform you that the funds from escrow were not sent to my account.
After the loan for XXXX XXXX XXXX XXXX NY was paid off in XXXX after being sold, {$71000.00} was supposed to be given to M & T bank as paid off.
When I called about it, I was told that the escrow department used the remaining to pay off the loan in XXXX according to XXXX XXXX.
However I have made the payment on {$1100.00} for the payment in XXXX.
Keep in mind, I was not asked nor did I give any instructions to apply the remaining Escrow funds to be used or applied to any loan balance. I was expecting the remaining money to be deposited to my checking account after it was paid in full.
I request information on where the remaining money went to and I request that the remaining money be deposited to my checking account.
I am sending documents that support what I stated.
According to the Consumer Financial Protection Bureau ( XXXX Timely escrow payments and treatment of escrow account balances. ), within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control.
This is not the first time that M & T Bank failed to provide accurate balance information.
If you have any questions, let me know.
|
| 06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hello, MT Bank has my mortgage account and they have been incorrectly reporting my balance to the credit bureaus. My current outstanding principal balance is {$300000.00} according to my statement, MTBank website and their customer service representative. MTBank reported to credit bureaus on XX/XX/2020 that my balance is {$310000.00} and on XX/XX/XXXX it has reported my balance as {$310000.00}. Please note that according to MTB statements and their customer reps my balance is still {$300000.00}. My credit score dropped by more than 10 points over this balance adjustments that are incorrect. I spoke to MTB rep in XXXX, who was very rude and told me that he doesn't know who is reposting this that I should file paperwork with XXXX. I did, and XXXX came back to me saying that this is a correct amount according to lender. I spoke to MTB again in XXXX and was told to fax them my credit bureau information. I did it the same day and was promised to hear back by XX/XX/XXXX. Today is XX/XX/XXXX and I still haven't heard back from them! Also in comments on this account on XXXX it says - " Student loan - payment deferred '', which is WRONG, it is not a student loan. I don't know who is doing this but they need to be retrained to not make mistakes on customers ' credit files. This is an unacceptable mishandling of my information and I expect it to be fixed immediately. Thank you
|
| 05/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XXXX XXXX , XXXX I sent a certified letter to M & T bank loan modification dept ( CERT MAIL # XXXX ) That letter was in response t o a trail m ortgage period in which the loan was NOT modified from its current status. Namely, the bank wanted {$1200.00} per month and the original loan was about the same payment. I received NO consideration for my changed employment status. Specifically, the bank did not change in the interest rate, change in the principal amount of the loan, change the length of the loan nor the total amount of the payment each month. The banks letter specifically stated that if I was unable to ma ke the trail payments that I should contact the bank for additional options. I never heard back from them. My attorney filed an appeal to the NYS appellate court to challenge mistakes in the county court and in response to this appeal which was to be heard on XXXX XXXX , XXXX the bank forced a foreclosure sale on XXXX XXXX , XXXX in attempt to obtain the property before the legal questions were answered. These questions included : 1. Did the plaintiff comply with the strict requirements of XXXX XXXX and XXXX ? 2. Has the plaintiff proven standing to commence a foreclosure action?
3. Was it error to grant summary judgment when the defendant had served discovery demands and the plaintiff never responded?
|
| 10/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My home caught fire on XXXX/XXXX/2016. The insurance settled in the amount of {$86000.00} which was less than cost of estimated restoration.When informed, XXXX from M & T Mortgage Loss Draft Dept., suggested that I payoff remaining principal on mortgage first and remainder will sent back to me to repair house. I signed check and mailed to M & T bank as directed by Loss Draft Dept., According to USPS, the check was received and on Wednesday XXXX XXXX, 2016. Till date M & T has refused to inform me when the balance of settlement check will be returned to me. In the meantime, I am suffering further losses in my house due to theft and vandalism.
Note prior to sending the settlement check to M & T bank, I called its payoff department requesting a payoff amount for a future date of XXXX XXXX, 2016. I received a fax stating payoff as {$20000.00} if paid on or before XXXX XXXX, 2016. This date is exactly seven business days after M & T bank received check from me. I am afraid M & T bank is trying to take advantage and not close my account on time and in the process may ruin my good name. I have inquired of M & T bank 's Loss Draft depart., and also Customer Service Dept. , and received the same answer " We are working on it ''.
I would like M & T Bank to credit payoff amount within 7 business days of receiving check and send balance back to my mailing address of record.
|
| 11/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have been a member of m and t bank for a while. I was recently charged several XXXX dollars in overdraft fees for purchases on this account. I understand that the funds were not available in my account for the transactions, but I don't think its fair or in the best interest of the consumer to have the fees far surpass the amounts of the purchases. for example I was charged a {$38.00} fee for XXXX, but the amount for the subscription was only {$12.00}. there was a {$38.00} fee for XXXX XXXX, but the purchase was only {$13.00}. I got gas at XXXX XXXX for {$10.00}, and {$5.00}, but was charged a {$38.00} for both of those transactions. when I called the bank to see if there could be any reversals they reversed three of the fees which at that time totaled approximately {$240.00}. She also recommended that I turn off the option to not have transactions post if the funds are not available. a day later I received more fees-although I had not used my card for transactions or made any purchases. I had automatic withdrawals set up that were debited from my account which caused four more overdraft fees in the amount of {$38.00}. I called the bank once again this morning to see what could be done since the fees totaled almost {$400.00}. they removed two more. I feel like this financial institution waits to post charges so that they can intentionally acquire overdraft fees.
|
| 01/13/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
After a previous complaint on XX/XX/XXXX regarding the amount of time M & T Mortgage was taking to complete the foreclosure on my FHA-back property, the bank moved very quickly to convey the property back to HUD. I followed up with the FHA Resource Center on the status of the matter, and on XX/XX/XXXX, I received the attached communication confirming the conveyance of the property and that the insurance claim for the house was paid on XX/XX/XXXX. As you can also see, FHA is requesting additional information to support my request for a CAIVRS Suppression, because they are using the XX/XX/XXXX date to start the 3 year wait before I can qualify for another federally-backed mortgage ; not the actual foreclosure sale date of XX/XX/XXXX.
I immediately contacted M & T Mortgage requesting a disposition of the account to include 1 ) the foreclosure sale date, 2 ) the date the property was conveyed back to HUD, 3 ) the date the insurance claim for the mortgage was paid to them, and 4 ) what, if any is their financial interest in the property or me as of the date of my call in an effort to add that to my request for a CAIVRS suppression. On XX/XX/XXXX, I received to attached communication from M & T saying they could not honor my request, and referred me to the XX/XX/XXXX document, also attached, but clearly no longer relevant in light of the recent actions on the account.
|
| 01/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
Originally I got behind after my XXXX XXXX death and I caught the loan up around or about XXXX. In XXXX I asked for a loan modification. They sent me a loan modification packet, I filled it out and sent it in and they came back and said it was not complete, but as it turned out they did not send me a complete packet. I completed the packet and sent it to them on XX/XX/XXXX. We have the receipt for the fax but could not get it to download. I had XXXX on or about XX/XX/XXXX and told the law firm handling the foreclosure, they told me they would have to talk with M & T bank and get back with me, but they never did. Then they informed me that there was not enough time for the modification as they had scheduled the foreclosure sale for XX/XX/XXXX. I then asked for a payoff so that I could sell the house and not go thru foreclosure as I had a buyer and I had quite a bit of equity, however, they kept giving me to different people and never would give me a payoff until it was too late to close on my house deal and it went to the foreclosure sale. However, it was not purchased at the sale and I reached out again and told them I had a buyer and could close, but again they just kept sending me back and forth to different people and then said there was nothing they could do. A friend of mine actually called the head of mortgages at M & T Bank, but she would not help either.
|
| 03/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I reported a charge to my account that I did n't recognize. I reported this to M & T Bank. I received a provisional credit and a case number. Then I received a form asking for more information which I filled out and returned. I did n't hear anything for a while and then the credit was removed from my account and a couple days later I received a letter saying that the case was closed. I called to find out why, and spent over 20 minutes on the phone. I was told that the card was swiped and there was nothing I could do about it. I emailed from my account page and was told that the investigators never received the letter requesting more details. Eventually I was told to go in to a branch and fill out a form. I did so. Again I inquired about the status because it seemed to take a very long time, and I was told that the second letter was received, but the bank did nothing with it because they had already previously closed the case. So I asked for the case to be reopened, and was told that there was no evidence suggesting fraudulent activity so my claim is denied. This has taken 3 months and wasted a lot of my time and I do n't believe M & T has done anything to investigate this. The transaction took place when I was at work and I could not have been at the XXXX subway spending {$68.00}. Furthermore, I 've only ever been on the XXXX subway once and that was XX/XX/2015.
|
| 05/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
There are two complaints. One against XXXX Mortgage, and the other against M & T Bank. XXXX sold the mortgage to M & T.XXXX stated in their response to my complaint they are waiting on documents showing my payments since XX/XX/XXXX and insurance amounts to M & T in order to resolve the issue of not paying my escrow account in full in XX/XX/XXXX. M & T signed the certified request I sent asking for the documents ( XXXX, signed by XXXX XXXX M & T ) .M & T told me on XXXX they have not received any letter from me.I have the certified return reciept # XXXX.Both compaines have caused grievous harm to me as a homeowner.XXXX violated their obligation to me when they did not pay my insurance in full. Then sold the loan because the insurance was canceled.XXXX and M & T have no quality controls to identify errors in their business, they are both " severely flawed '' and " ineffective '' .The problems are excessive and the error rate on my loan is unacceptable.I have been able to stay in my home with the help of family members.My fixed mortgage continues to go up due to the forced lender insurance and the tacking on of illegagle fees.I spoke with 4 people on XXXX attempting to get from M & T what XXXX say they need to resolve their part of the issues with my loan.M & T in their response stated they need 60 days to review this.I want the Attorner General to review the case
|
| 01/10/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In XXXX XXXX, I entered into a modification agreement with M & T Bank, a modification I believed was to make owning a home affordable for those who have had trouble in the past making mortgage payments, all it did was start my mortgage over again as if I 'd just walked out of settlement. I 've gone through bankruptcy trying to keep this property out of foreclosure and all this bank tries to do is sabotage this mortgage every chance they get. I received a notice telling me that I have not fulfilled my modification agreement and that the property will be entered into foreclosure. I have spoken with an M & T Bank representative and have asked for the latest date my payment can be in that bank, I was told no later than the XXXX. My XXXX XXXX payment will be made via walk in branch on XXXX XXXX, XXXX or via electronic online delivery, nonetheless, it will be in office before XXXX XXXX, XXXX. However, I do n't recall reading my agreement and seeing that M & T Bank is required to call me every month to ask me when I plan on forwarding payment. One month, I believe XXXX XXXX, they tried to tell me they had n't received payment ( typical M & T bank procedure ) I also noticed that for that month, a date was n't stamped on the check they cashed, things that make you go hummm?, why was that? I have made every payment since the agreement and XXXX XXXX will be no different.
|
| 08/30/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
This is a reply to my original complaint : XXXX ; documentation was not included. The actual loan- we were not aware that the loan was a balloon payment. My husband was an XXXX for over XXXX yrs, and he would not voluntarily choose to enter into a balloon payment. I found out the loan was a balloon payment when I took over the bills in XXXX of 2018. M & T had just sent the first letter letting us know that the payment would be coming due. We reached out to them which they do not have a record of- we went through multiple people at M & T without there offering any assistance or alternatives to help us. Each time we called it was a new person with no record of any previous calls. Hopefully, the process has improved, however, at this point, it was not helpful. Eventually, after attempting to reach an amicable solution, the loan became due. It took 3 months from the last payment- which we couldn't pay as the system locked down since the loan was due - for the loan mod to take effect. The terms raised the loan amount from XXXX to XXXX with a 7 yr term. A single-income family and the payment was double. One of the letters mentions an anomaly with the loan. This MTG was purchased from a small bank that went out of business. There is something not right here that needs to be addressed. Further, the frustration with the terms when they had our financials isn't right.
|
| 04/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I wrote M & T Bank this letter on XXXX XXXX, XXXX and mailed it the same day. As of today, XXXX/XXXX/XXXX there is no response.
This letter is in regards to the Mortgage Insurance on my loan. This loan was originally done in XXXX by XXXX Bank. It was sold to M & T Bank within the past year or XXXX. When I originally got the loan, I was told the PMI would go away after 5 years OR after reaching 80 % LTV on the home.
As of today, the home value has increased enough to be at 80 % LTV and the 5 year mark will be this XXXX XXXX. I did a XXXX Refinance to lower the rate, which I was also told would not affect the timeframe. I was also told if I wanted to get rid of the PMI sooner, I could have an appraisal done proving the equity was there.
I just got off the phone with a representative today ( XXXX/XXXX/XXXX ) who told me I would not be able to get rid of PMI until XXXX. According to this representative the guidelines are different. She mentioned I have to be at 78 % LTV AND 5 years with the property. According to your system the 5 years started after the XXXX ( I was told it would not make a difference due to the type of loan ) The balance on the mortgage has to be at 78 % LTV from the purchase price, around {$120000.00}.
In this case, there is enough equity in the home to meet the 78 % and this XXXX will be 5 years. The PMI should go away in XXXX XXXX.
|
| 11/14/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I've completed a Private Administrative Procedure/Dispute, Affidavits, Notices and Defaults all that where mailed to the corporate office and received on XX/XX/XXXX & XX/XX/XXXX, addressed to CEO XXXX XXXX XXXX his CFO XXXX XXXX XXXX REQUEST FOR VERIFICATION & VALIDATION OF MORTAGE DEBT AFFIDAVIT & ALL DOCUMENTS SECURITIZATIONS & INSTRUMENTS FOR MORTAGE AGREEMENT. Also Informing them about the fraud that was found, within and throughout their mortgage process. None of my affidavits or notices where answered, also the request for the refunds of all payment including the fees for a copyright violation that they keep on violating so for in an excess of XXXX XXXX Dollars ( {>= $1,000,000} ), wherein Defendants have failed to respond said completed Private Administrative Procedure and thus have acquiesed to the commission of all offenses listed below as well as those in the Private Administration Procedure /Dispute. M & T Bank is in violation of 18 U.S. Code 241 Conspiracy Against Rights 18 U.S. Code 242 Depreviation of Rights Under Color of Law 18 U.S. Code 1349 Attempt and conspiracy 18 U.S. Code 1028A Aggravated Identity Theft 18 U.S. Code 1344 Bank Fraud 18 U.S. Code 1341 Frauds and Swindles 18 U.S. Code 63 Mail fraud and other offenses 18 U.S. Code 1951 Interference with commerce by threats or violence 18 U.S. Code 1343 Fraud by wire, radio, or television
|
| 06/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Two years ago XXXX, we applied for the First Home Club savings program through M & T and were subsequently approved by the representative we worked with ( who is no longer an M & T employee ). Since then, we have successfully completed the program, making the monthly payments on time, and have completed the required counseling sessions. At this point, we have met with our loan officer several times, had all of our documentation in order, and successfully procured a mortgage loan. We were informed yesterday of a condition of the First Home Club program that would have disqualified us from being accepted into the program ( One of us was a XXXX within 6 months of enrolling ), yet M & T approved us anyway. We were never shown or had access to a document that listed this condition, yet the representative that we worked with, filled it out for us, marking that we met this condition, without confirming with us if that was accurate. He had us sign what turned out to be the XXXX page of that document, and never showed us or had us initial the XXXX page. As a result, now that we 're ready to move forward with our mortgage, we were told by M & T that it was very unlikely that FHC would approve us for the grant that would give us an additional {$8000.00} toward closing costs. We were told by M & T that there was little they could do, despite the mistake being theirs.
|
| 10/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I recieved a promotional " preapproved '' credit card notice on XX/XX/XXXX. Was declined on XX/XX/XXXX from M & T bank. The language in the application process when I entered in the promo code and supporting information stated that due to the preapproved status it would not be a hit on my credit report if I was declined. I asked the representative on XX/XX/XXXX at around XXXX XXXX after being declined if my credit would be hit she said basically it would but could not say if it would be a soft or hard inquiry. I went to look back at the language of the actual application stating my credit would not be impacted was locked out of the application since it was, completed and given the phone number I just called. I could not see if the terms and conditions were different from the advertising. I think someone should investigate the whole " preapproved '' credit card for existing customers process at M & T to see if they are giving misleading information or maybe blurring the lines to go under the radar of the FCRA. They may be ok here with their terms and conditions but I couldnt review them again due to being locked out of my application to doublecheck and the reps confusion to my request. Thats why I think its worth looking at their whole process to see if they are advertising their offer per the guidelines of the FCRA. Thank you for your time and attention.
|
| 01/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I made a zelle transaction to a friend of {$100.00}, whom I sent to the wrong recipient. I used their phone number instead of their email, in doing so I called what I thought was XXXX customer service support phone number XXXX XXXX XXXX XXXX XXXXXXXX in attempts to try and reverse the payment. The person who played the XXXX representative lured me into sending {$490.00} to a name of XXXX XXXX and said to me that this was just a generated number to reverse the first payment I had initially sent to my friend. I only caught onto the scam once I realized the money had been taken out and they had me on hold to confirm funds were received. While back on the line with them I heard them taking screenshots and photos of my screen that I had shared with them which is also a dangerous thing I had done. They had even asked me to go to my XXXX ID settings so they can access more information. I was oblivious to this scam and to sharing my information with them in attempts to try and earn back {$100.00} all to lose {$490.00} on top of that. I filed a dispute with my bank M & T in hopes of receiving the funds back and theyve given me up to 30 days to hear back. I hope the CFPB can help many people like me to prevent scammers from taking hard earned money from people. XXXX should be more of a protected payment option instead being so easy and accessible for scammers.
|
| 02/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my home at closed escrow at the end of XX/XX/XXXX. My new mortgage lender paid my installment of taxes due as they needed proof that they were paid however my old mortgage lender M & T Bank had already dispersed the taxes due ; {$4200.00} to XXXX XXXX County. I have called several times since then to find out where my refund is and the first time spoke to a XXXX on XX/XX/XXXX who told me it would take about 30 days to receive it. Then I spoke to a XXXX on XX/XX/XXXX that told me they should be mailing it out by XX/XX/XXXX and also to a CSR named XXXX on XX/XX/XXXX that told me they should be sending it out in a week or so. Then I called again on XX/XX/XXXX and spoke to a XXXX who told me that they verified that XXXX from XXXX XXXX County said that they refunded M & T the {$4200.00} for the taxes. NOW I am being told it may take up to 8 weeks to get a refund? This does not seem right as I paid off the loan successfully, paid on time and even sent them proof that my new lender paid the taxes as well via email on XX/XX/XXXX. Why send them proof when they are just going round and round. I just want my refund for my impound account sent back of {$4200.00} ASAP and I hope that I do not have to wait 8 weeks when my loan was paid off as mentioned XX/XX/XXXX and the taxes were paid in full as well for the XXXX installment.
XXXX XXXX XXXX XXXX
|
| 09/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
On M & T Bank 's official website, it was offering a {$150.00} bonus when you open a MyChoice Checking account by XXXX XXXX, 2015. Since this is a public offer so there is no mailer required to open an account. I opened my account on XXXX,2015 and also set up the direct deposit with amount of {$100.00} to satisfy this bonus requirement. I sent a message to M & T bank online customer service to check my bonus status on XXXX XXXX, 2015. M & T bank 's CS confirmed that I am qualified for the bonus and all I need to do is wait for 90 days after the initial direct deposit which was XXXX,2015.
I waited to XXXX XXXX, 2015 and I did not see any bonus on my account. Therefore, I messaged M & T bank CS again. To my surprise, the CS declined my request by saying I am not qualified and I need to have a mailer with the bonus to bring to a branch to verify my status. M & T bank always puts up this type of promotion on its official website and no mailer is required to open on account online. For example, if you go to XXXX, you can see the current promotion they are running. NO mailer is required.
I strongly believe the customer service from M & T bank was lying to its customer and tried to avoid fulfilling the promise they made to award the bonus. I have attached the confirmation message sent from M & T confirming that I am qualified for the ongoing bonus.
|
| 10/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
This is the third time I've had problems with this company trying to keep the money the state has given me to help me during these trying times. I have filed a complaint before which is the only reason they didn't steal all my money the first time, which by the way they still didn't apply the money how it was suppose to be applied. The money from the state is to pay my mortgage payments, they took half of it and applied it to my principal which isn't what it was put there for. It was to pay 12 months of my mortgage but they only applied it to six and then took the other six months and applied it to the principle. Now the state has sent more money to help and the mortgage company is trying to keep this money. I really need this help. I hate to see the people who don't know how to stand up being taken advantage of. What they are doing is wrong. This money is to help people like me who need the help, not for the mortgage company to try and pocket. They make people jump through hoops to get the money applied to where it is suppose to be applied hoping we fall short so they can keep it. The money was sent to help me and pay my mortgage. The money is sent to take care of my mortgage payments, not for them to apply to my principal which does not help me because it's a 30 year loan. It's to help me now, not for the mortgage company to decide to keep it
|
| 12/23/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I went to the ATM on XXXX the XXXX and deposited XXXX checks XXXX for XXXX and XXXX for XXXX which brought my balance to over XXXX. I pulled my account up on line the next day Monday the XXXX, and my statement was showing my Balance as XXXX and my available balance as XXXX. My deposits were pending and so were my debits. XXXX Monday night they put all my debits through including a check for XXXX at XXXX. Then at XXXX they released my entire deposit. According to the person I spoke to at the bank ... they put the withdraws through first at midnight, but do n't put the deposit in until the am. They claim it was XXXX different days. Therefore purposely over drafting my account, and charging me XXXX. But yet if you pull my statement you will see no where, where I was in the negative. I called the bank to ask that they waive the XXXX they refused. They also did this back in XXXX. I had a direct debit come out of my bank at XXXX XXXX, and at XXXX in the morning I had a direct deposit come through my bank. They said I did not have enough money on the XXXX Knowing that I had a direct deposit coming through in the am ... something needs to be done about this how can you overdraft knowing there is a deposit coming through hours later. I think this is very confusing the way they are doing business, and they purposely do business to confuse the consumer.
|
| 02/25/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
M & T Bank has consistently been harassing me for the last 4 months. They call and agressively indicate that i have no choice but to provide my information when I 've clearly inidcated I am who I am. The first 3 months they called almost 4 times daily. I was delinquent in my mortgage due to a documented illness and out of work for 6 months. They offered me a forbearance despite knowing that I was unemployed and that my STD benefits were often delayed due to a delay in my medical provider provided the necessary documentation. Once the forbearance went into effect, they abruptly cancelled it when I returned to work and without notification. When I indicated that the constant calling would not immediately resolve the issue they began calling more. Then I paid them over {$3600.00} and they still failed a foreclosure notice for the remaining {$2600.00} because I failed to continue to take their harassing calls. This situation is impacting my health and the ability to continue to get well because they refuse to deal with professionally, and did not empathize or offer a amicable temporary solution when they were well aware of my medical and finance situation. I want M & T to cease harassing me, threatening to foreclose on my property even after they have been paid and ask that my mortgage been sold to another more professional financial institute.
|
| 03/24/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
On XX/XX/XXXX I paid off in full, including late fees, a residential mortgage held by M & T Bank and was given a receipt for the payment. M & T however did not record the payment until XX/XX/2017 and notified credit companies that the mortgage was more than 30 days delinquent. My credit scored dropped by approximately XXXX points and credit card companies reduced my available credit to almost XXXX. I have discussed the mistake with 5 different representatives of M & T. Depending on the rep I spoke with I was told a ) there was nothing they could do about it ; b ) I had to contact the credit agencies ; c ) It was my problem, not MTBs ; d ) I should contact the Branch Mgr where the payment was made ; e ) MTB did not maintain records of when receipts were issued for payments made ; f ) ( myl last call ) I should send them a copy of the receipt by fax. Since I do not have a fax, I delivered the receipt for the pay off to the branch manager who said that while he could not do anything, he would see that it was faxed to the department I was given, called Mortgage Customer Support. This was on XX/XX/XXXX. I waited ten days and called the Mortgage Service Dept and was told the fax was never sent. I then called the Branch Mgr who said it had been but he would do it again. This occurred XX/XX/XXXX, more than two months after I made the initial call.
|
| 10/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
Manufactures & Traders Trust Company absorbed XXXX XXXX XXXX XXXX which was my bank for 20 years. I receive many messages that the changeover to M & T Bank would be a smooth an easy transition. When the change actually occurred, I was locked out of my account. I tried calling the bank many times and the wait was over XXXX hours on the phone. I went to a local branch, where an employee tried to help me by sending me a temporary password, so that I could try signing in. What I finally found out after several visits to the bank is that M & T did not probably prepare for customers to have a special character in the online usernames, even though XXXX XXXX required that. I was told that it take several days to a week for them to resolve this issue. What eventually occurred is that I was locked out of my account from XX/XX/XXXX to XX/XX/XXXX. What I finally learned after another phone call is that M & T Bank changed my username without telling or notifying me. If I knew this, I could have had access to my account. I feel that the way that they handled this merger and change over from XXXX XXXX was extremely unprofessional and lacked the service and care that was needed at this crucial time. How a large bank can take over another bank and not know that many customers would have special characters in their usernames is extremely shocking to me.
|
| 09/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
This letter is to complain about service I recently received from an M & T Bank branch in XXXX, NY. On Wednesday, XXXX XXXX at around XXXX XXXX, I had used the outdoor ATM drive-thru at M & T Bank, ( XXXX XXXX XXXX, XXXX New York, XXXX. ) Since I had dropped something on the ground. I backed up my car to retrieve it, and when I checked the ATM, it had swallowed my card.
My bank card is issued from XXXX bank, my branch is at XXXX XXXX, XXXX XXXX, NY, XXXX. I immediately went into the bank branch to retrieve my card, and was told that customer service would not return my card to me. They told me that the bank policy is to destroy the card since it was from a non-M & T bank.
I was very angry and frustrated. This did not seem right to me, as I had all of my identification and would have been able to easily prove that I was the owner of the card. This has happened before once or twice in my life, and the bank in question has always been cordial. ( This happened to my wife at XXXX last year using a non-XXXX card, and the bank returned her card by the end of the day to her. ) Your employees at M & T bank, however, were rude, unreasonable, and completely unhelpful. Normal policy or practice would seem to be to help the customer.
Although I have received a new card from my bank, I am not pleased about the service that I received at your bank.
|
| 07/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
An offer was sent to receive a {$200.00} bonus for opening a checking account. The terms stated to open the account by XX/XX/2018 and make a direct deposit of {$500.00} or more within the first 90 days to receive the bonus.
An attempt was made to open the account online on XX/XX/18, but there was an error and said to finish by calling or going to a branch. On XX/XX/18, we went into the XXXX, MD branch to complete the application process using the promotion sent in the mail.
Following the terms and conditions, a direct deposit was made on XX/XX/18 for more than the required amount in the promotion. After a few months, M & T was contacted via online secure messaging on XX/XX/18 to confirm if the bonus would post. An agent replied on XX/XX/18 that the bonus should post by XX/XX/18 if the account is in good standing and the requirements have been met. No bonus posted by XX/XX/18, so another secure message was sent on XX/XX/18 to inquire. M & T replied on XX/XX/18 stating that the offer was not for the primary account holder but the joint account holder. As a result, they said the bonus would not post.
Based on this, they never set up the account correctly in the branch by not making the primary account holder the name on the offer. After speaking with the branch on XX/XX/18, they continued to insist that they would not give the bonus.
|
| 05/19/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
About a month ago, a XXXX analyst from M & T called to verify my identity. The rep swiftly gave out my entire SSN, DOB, and XXXX without my permission. Not long after there was fraud on my debit card, and prior to the transaction posting i called M & T to advise them. They placed a fraud status on my debit card, and assured me my auto billing would still go through, i would receive a card quickly, and the credits would appear quickly. A week later- no card, no credit, billing was declined. I called on XXXX different occassions and was told " no card since you are overlimit due to fraud '' - which makes no sense. Then they said they are allowed to wait 10 days to post a credit so they are waiting 10 days. Manager after manager failed to be helpful and provide a reasonable solution for me to access my checking account. I was told it was not their problem with my bills being declined, and they refused to give out the Executive office phone number. They allowed me to go almost 10 days from the reported fraud to send a card and provide a provisional credit, and only when prompted did they apologize. To add insult to injury, i jsut received a letter from them stating " Let us manage your account '' and inside it informed me that i was over my credit limit- which was due to fraud!!! Such a terrible experience for a customer from over 15 years.
|
| 02/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
On XX/XX/2021, {$7600.00} was fraudulently withdrawn my M & T checking account. On XXXX XXXX, I went into the branch to fill out an " XXXX XXXX XXXX. '' While in the branch, it was determined an electronic check was created, and cashed at a XXXX Bank, unknown location. On XX/XX/2021 I went into a local branch of XXXX Bank to see if they could help with this. They provided limited information. On XX/XX/2021 a second attempt to withdraw money ( this time {$28000.00} ) was denied by the bank as a " no debits on the account '' was placed. On XX/XX/2021, {$7600.00} was deposited back into the account.
On XX/XX/2021 the NY XXXX Police XXXX XXXX barracks took a report from me re this situation. Report # XXXX. On XX/XX/2021, the {$7600.00} was taken back out of the account. When I inquired with the M & T branch as to why, I was told it was done by XXXX Bank as the transaction is not considered fraudulent. I was referred to XXXX Bank, but when I went to the branch no assistance was offered, all questions unanswered, referred back to M & T. M & T told me in XXXX that this is an open investigation. The local branch can not ( or will not ) provide me with some division within their company as to who I may consult with this. The NY XXXX XXXX XXXX assigned to the case stated to me he has met with much resistance from XXXX Bank re this matter.
|
| 08/16/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
I spoke with my branch of M & T bank on XXXX XXXX in XXXX XXXX. I was told that I could not add more than one beneficiary to any new account. That in order to have my husband and XXXX children as beneficiaries as I had done in the past when the bank was XXXX XXXX, I would have to open XXXX separate accounts whether they be checking, money market or cd. I called other M & T Banks in XXXX XXXX and XXXX, XXXX and they do not have this rule. I called the M & T Service hotline and they connected me to XXXX XXXX XXXX in XXXX, XXXX who is the VP of XXXX branches XXXX XXXX XXXX. He said that this was true as an internal decision and there was NO written confirmation for account holders and he would n't give me internal memos. The bank claims that ALL banks in the US will soon be doing this. Not only is opening XXXX accounts cumbersome record keeping, it prevents me from accessing higher interest rates that vary with the amount of money held in a single account. This internal rule would also require me to make XXXX withdrawals every time I did to keep the accounts even to be fair to my beneficiaries. I argued with XXXX XXXX that this was an account change and should be in an account agreement and he said no it is an internal change. There is NOTHING in writing for consumers. Needless to say, I will not continue to bank at this M & T branch.
|
| 04/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On XX/XX/2023 a credit of {$190.00} was posted to my checking account as Pending with the funds stated as accessible on XX/XX/XXXX. On XX/XX/XXXX they were still Pending and not accessible to me. On XX/XX/XXXX, the status on my account remained Pending but he posted date changed to XX/XX/XXXX and accessible funds date changed to XX/XX/XXXX and the funds are still not accessible.
I brought it to the attention of the XXXX XXXX and she didn't understand why the funds were not available either and the date changed the first time this happened. Then I knew this was a problem.
This is the second time I'm having this issue with XXXX XXXX XXXX XXXX. The previous time was with XXXX. They submitted a credit to my account. XXXX XXXX XXXX XXXX held the funds as Pending for 5 days, kept moving the Pending date for 3 days until the funds were available to me. Each time XXXX XXXX XXXX XXXX claimed it was a problem on the company 's end not theirs which was completely false.
This time I made the mistake of not taking pictures each night with my phone to prove my point but I am going to do this tonight. The intentional illegal withholding of funds for whatever reason is a practice of theirs which needs to be investigated. Since this is the second time, I'm filing the official complaint and not discussing it with their corporate office again.
|
| 09/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/22, I initiated a bank to bank transfer of {$1000.00} from my checking account at People 's United Bank ( now M & T Bank ) to my savings account at CT XXXX XXXX XXXX XXXX ( " XXXX '' ). The transfer shows as having gone through on M & T 's side, but as of today 's date ( XX/XX/22 ), my money has still not arrived in my XXXX account. I called M & T on XX/XX/22 and was on hold for 3.5 hours before I finally got through to someone. The representative told me that transfers not going through is a " known issue. '' She suggested that I wait a couple of days to see if it ended up processing through on its own, or said I could go to a branch to cancel the transfer. I opted for the second option. On XX/XX/22, I went to a physical M & T branch to cancel the transfer, but was told that there was nothing that could be done because their system showed the transfer was completed. At that point, I opted to close my accounts with M & T Bank. I also filed a dispute with M & T regarding the transaction. This is completely unacceptable. {$1000.00} is not a small amount of money. There is no reason why somebody should have {$1000.00} of their money sitting in limbo for 2 weeks and counting. This has caused me a great deal of stress, not to mention at least 6 hours spent trying to get it resolved on the phone and in-person at the bank.
|
| 08/01/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
The M & T Bank sent me a letter offering a pre-approved personal loan up to $ XXXX which I did not reply, later it sent me an email with the same offer and again I did not reply, then the Bank gave me a phone call with the same offer and I accepted based on the offer declaring that it was to be based on no collateral and that it was to be for my own personal expenses with a very easy criteria. As it declares for using the money like this = " ... or simply be prepared for the unexpected. '' Then after I met the criteria including a XXXX credit score, and this Bank refuses my request of a small loan for {$2000.00}. ( the lowest available amount ) based on this reason, quote = " Ineligible Purpose For Loan Request. '' If I had wanted to buy an old used car for $ XXXX then I would have got a car loan, and if I wanted to buy a product then I would have used my M & T Credit Card which has a {$2500.00}. limit, but the offer was for a " personal loan '' and the Bank refuses the loan when I am doing exactly as their pre-approved offer asked of me. As such the Bank lied to me from the beginning through till the end as the loan rejection is a lie too because I met the criteria in full. I can not say if this breaks a Banking law but it was a breach of contract with myself, because the Bank broke its own words, broke its agreement to me.
|
| 07/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I created an M & T XXXX XXXX Checking with Interest Account online on XX/XX/2022, with a {$250.00} cash bonus code. Before the bonus was applied, the M & T website confirmed I was eligible for the zip code where I resided.
The terms of the offer stipulated the {$250.00} bonus, would be paid out, within 90 days of a {$500.00} direct deposit posting to the account. A direct deposit over the {$500.00} requirement was posted on XX/XX/2022.
I called M & T bank customer service on XX/XX/XXXX to confirm that I would receive the bonus and that the requirements had been met. The representative stated I had met the requirements and would receive the {$250.00} cash bonus within the stated 90 days, call reference number is XXXX.
I called back today on XX/XX/2022, call reference number XXXX, and the customer service representative stated I would not be eligible for the bonus of {$250.00}, even though I had successfully opened my account with the bonus.
In summary : In XXXX, I opened an M & T checking account with a {$250.00} cash bonus code. I verified the location I lived in was eligible for the bonus at the time of account opening. I fulfilled the direct deposit requirement on XX/XX/XXXX and confirmed with M & T of fulfilling the requirements on XX/XX/XXXX. Now on XX/XX/XXXX, M & T states I am no longer eligible for the bonus.
|
| 10/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
When I was XXXX at the direction of my XXXX mother I signed my parents mortgage application. The mortgage itself never had my name on it ( on the monthly statements ) and never reported on my credit score or personal income taxes. In XXXX my father was diagnosed with XXXX making him unemployable. My parents fell behind on their mortgage payments. Fast forward XX/XX/XXXX the bank using the initial loan application files a lawsuit against me. Now the mortgage that has not appeared in my credit score shows up and shows over 6 months overdue. My parents are about to now go into foreclosure and I am afraid it keeps getting me dragged into this financial liability I never shouldve been involved in. I never even had title on the house giving me no legal right to even remedy the situation. My parents are about to become homeless as I am the only surviving child that earns any income. Please help me fight this. This is a prime example of predatory lending. As someone who works in banking today, I can tell you with confidence this is not allowed today as predatory lending laws now prevent this but doesnt work retroactively even thou the loan started in XXXX. While my family struggle to potentially fall into severe financial crisis, banks are allowed to continue to practice remedies afforded to them. How this is not a financial crime?
|
| 12/07/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX - I contacted M & T Bank ( XXXX NY ) to close out a CD ( {$25000.00} ) account. They could not find a record of the account. Account was originally with XXXX XXXX ( XXXX, MD ). XXXX Bank folded in the financial crisis and their bank assets were sold to M & T Bank in XX/XX/XXXX. M & T Bank said they would " research the CD and contact us with results ''. They gave us no point of contact or any identification number/name for who could be contacted about that action. We heard nothing for over a month.
XX/XX/XXXX - I mailed a certified letter to M & T Bank asking them to give us a point of contact or other information so we could be kept informed of progress. A copy of the CD was included with the letter. I received no response to that letter.
XX/XX/XXXX - Having heard nothing, I called M & T Bank Customer Service to find out the status of the CD search. I talked to several people ( who checked with their supervisors ). They had no record of the certified letter I sent ( I have the USPS receipt that M & T Bank signed on delivery ). They did not know anything about the CD or what was being done about it. The phone call ended with no explanation of what could be done next to find out what, if anything, is being done to find the letter or otherwise resolve this problem. A copy of the letter to the bank is attached.
|
| 09/20/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
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|
I no longer use my M & T account. I accidentally selected it to pay a bill online and it became overdrawn. M & T did not notify me via email, despite the fact that that has been their standard practice for fraud notifications and updated statement notifications. They deliberately chose not to use that standard form of communication to collect excessive overdraft fees. The bill was due XXXX/XXXX/15 the last time I had checked on the M & T account had been XXXX, and they are showing the bill in question coming out of the account on the XXXX, which is not correct or was outside business hours. I only found out about the overdraft because I could not see where the bill came out of my main bank account on the XXXX. I immediately scheduled a transfer of funds from my main bank account and called M & T they told me that since I was a good customer they would waive the overdraft fees. Despite this conversation which occurred on the XXXX, I was hit with a 5 day extended overdraft fee. I believe that M & T 's deliberate choice to not contact me via email when the overdraft occurred as well as charging me a 5 day overdraft the same day they told me they would waive the overdraft fees amounts to a UDAAP violation for deceptive practices. I would like the 5 day overdraft fee to be waived and for this account to be closed immediately.
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| 04/02/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I XXXX XXXX am trying to avoid foreclosure by doing a short sale. I am working with my Realtor to XXXX XXXX to resolve this debt. I am a US Veteran and am currently unemployed. I need to do a short sale to decrease the damage on my credit and for relocation assistance. I have been unemployed for several months and have been unable to maintain my property. My property currently has damage in the interior and has not been review by M & T Bank or the Veterans Affairs ( VA ). We have been told by M & T Bank that an exterior appraisal has been done and came in at {$240000.00}.
The appraised value of {$240000.00} is for a condo in that complex that has upgrades and in excellent condition. The appraisal that is being used is incorrect and we need to have an interior inspection completed. This current value of {$240000.00} is either a mistake or a fraud value. This situation will cause XXXX XXXX a foreclosure. It is impossible to sell this condo in its current condition at {$240000.00}. As we have told M & T bank several times there is not a buyer on earth that will ever pay {$240000.00}. We believe the current value to be {$230000.00}. We are sending a current sale in the same complex that recently closed a {$230000.00}. XXXX XXXX was in excellent condition. Please keep in mind due to COVID-19, were a down market, not up.
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| 09/06/2017 |
Yes |
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- Trouble during payment process
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|
Web |
Older American, Servicemember |
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AT THIS WRITING PLEASE BE ADVISED THAT I HAVE TRIED ON NUMEROUS TIMES TO GET CLARITY IN REFERENCING TO THE SERVICING OF MY MORTGAGE LOAN : -PROBLEM STARTED WITH THE SERVICING OF MY LOAN FROM XX/XX/XXXX-XX/XX/XXXX BY MT BANK SEE ( exh.A 8 pgs customer activity statement printed by MT BANK-showing current balance {$230000.00} ) - on XX/XX/XXXX requested a qualified written request ( " QWR '' ), never received a reply.
on XX/XX/XXXX because of limited funds I seek free services from XXXX XXXX XXXX XXXX XXXX A 501 ( 3 ) non-profit XXXX XXXX XXXX. who followed up on my request in reference to my request, and XXXX XXXX rec.the following attached dated XX/XX/XXXX ( exh.B ) refusing to reply to my request.
- see ( exh.C ) XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX showing no late payments.
-on XX/XX/XXXX see ( D ) on XX/XX/XXXX case information summary from XXXX County Clerk of Circuit Court Electronic Docket Search the alledge servicer XXXX XXXX XXXX stated that they is the morgtor and MT BANK was the servicier and they was directed to file foreclosure complaint by their fir t attorneys XXXX XXXX XXXX which later merged with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX.
on XX/XX/XXXX XXXX send a payoff which was not ordered by me stated that cerified funds needed to reinstate is XXXX. XXXX withdraw from the case XX/XX/XXXX
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| 05/12/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I applied for a refinance through M & T Bank. Everything went well till they stopped complete communication with me. The last email i received was one stating that everything was good and that we should be closing within 24 days approximately. As of today, I have not been provided with anything in writing, other than emails as to why they are denying my refinance. According to emails, they claim that the value of my home is too low, but i would think they would have known this since the very beginning. They charged me {$780.00}. I feel that i was mislead since they were the ones that insisted for me to refinance. They are my current mortgage lender, so I think them being in this business would have known that my home would not qualify. I currently owe about {$190000.00} and value came in at {$290000.00} which i also questioned since most homes in my area are currently for sale at {$350000.00} prox. I sent our original loan officer 4 emails asking for status and never received a response from him. I had to request management who finally reached out to me, but never received any assistance and just proceeded with denying my application. Not sure if i have a case or not. But, after researching them online it appears that they have been sued in the past due to overcharging customers. they also have very negative reviews.
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| 05/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
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per the FCRA as a federally protected Consumer I am now Opting out of ANY and ALL Authorization I the consumer may have giving you Written, Unwritten, and none verbal agreement. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
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| 12/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American, Servicemember |
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Complaint part A. On XX/XX/XXXX, M & T Bank notified me that the owner of my loan was XXXX XXXX XXXX. On XX/XX/XXXX M & T Bank notified me that the owner of my loan was XXXX XXXX XXXX XXXX AS TRUSTEE. At some time after XX/XX/XXXX, and before XX/XX/XXXX, my mortgage loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX AS TRUSTEE in M & T Bank 's records and in their notices to me. However, I have not received the Mortgage Transfer Disclosure required by 12 CFR 1026.39 ( b ). I requested that M & T Bank provide the date of the mortgage transfer ; the name, address and telephone number of an agent or party authorized to resolve issues concerning my payments on my mortgage loan ; where transfer of ownership of my mortgage loan to XXXX XXXX XXXX XXXX AS TRUSTEE is or may be recorded in public records ; and the partial payment policy of XXXX XXXX XXXX XXXX AS TRUSTEE. See attach_1.PDF M & T Bank replied by denying that a transfer of ownership had occurred and deceptively asserted that somehow a master servicer ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX AS TRUSTEE were the same owner. See attach_2.PDF Complaint part B. I requested copies of any correspondences that M & T Bank received from XXXX concerning my mortgage loan. M & T Bank did not provide the correspondences that they received after XX/XX/XXXX.
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| 12/15/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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|
Web |
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Frivolous debt collection attempt against me and co defendants.
Facts of the case : Alleged loan # XXXX. Address : XXXX XXXX XXXX XXXX, KY XXXX Name : XXXX XXXX 1. Originator of the alleged loan admitted that it did not lent money. Table funded loan. Fraud in inducement. Predatory and Fraudulent lending. No consummation of the loan happened. RESPA violation.
2. No assignment to the Trust is legally possible.
3. Wilmington Trust misrepresented the character, amount, and legal status of a debt, in violation of 15 U.S.C. 1692e ( 2 ) ( A ), and used a false representation or deceptive means to collect or attempt to collect a debt, in violation of 1692e ( 10 ). Wilmington Trust violated the Federal Debt Collections Practices Act.
4. On the XX/XX/2015 note maker notified Wilmington Trust N.A. by Truth in Lending Rescission Notice. Wilmington Trust refused to fulfill the obligations under regulation " Z ''. See 1026.23 Right of rescission. By operation of law on XX/XX/2015 the Note and a Mortgage become void. See : ( XXXX v. XXXX XXXX XXXX , XXXX XXXX XXXX ( XX/XX/2015 ). Continuation of attempt to collect on void instruments constitutes Statutory TILA violations. No standing.
5 Attempt to collect on discharged debt. FDCPA violations. ( Violation of the Bankruptcy law ) 6. Violation of constitutional rights.
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| 03/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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|
Web |
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I have been banking with M & T bank, and have been using the same account, for almost 25 years. On Tuesday XX/XX/2019, I received a letter stating that M & T bank will no longer be able to conduct business with me and they would be closing my debit card on XX/XX/XXXX, and my account on XX/XX/XXXX without any explaination.I have another joint account with my wife, and that account has been already closed. Ive been to my current branch as well as another branch, been given 4 different numbers to call, and spoke with at least 10 different people, and no one knows a XXXX XXXX thing. No one can even answer a simple question : " WHY ''. Its incompetance at its best. NOBODY from M & T cares and after 25 years, now i have to close my accounts and bank with one of their competitors. I have requested total activity paperwork on my account from many years back so i can at least start my own investigation on why this happened and i will do it with out no help from M & T bank. Fine, They just kick loyal customers to the curb because some XXXX that sits and watches a monitor all day suppossedly saw something that " didnt look right ''. Okay, so instead of working with bank manager to figure out, M & T would rather say see you later and dont come back! UNBELIEVABLE!!! Can not believe this is happening. So UNPROFESSIONAL!!!
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| 04/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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|
Web |
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On XXXX I accessed my XXXX account to remove a closed bank account and add my new bank information to transfer {$500.00}. During this process, I pressed the wrong button and XXXX sent the transfer to the closed account. Within five minutes, I tried to cancel it thought XXXX, but I was unable to do so. I was told that if it was sent to a closed account, it would be returned to my XXXX account in 5 days. XXXX does not offer XXXX recalls but has provided me with the trace number for the transaction. I have spoken to Peoples United bank which merged with M & T Bank after my account was closed approximately every three days since. They have confirmed that my money has been deposited into someone else 's account at M & T Bank that does not belong to me. Every person I have spoken with has given me a different story as to why this is taking so long and I have to start over from the beginning of the story every time I call them. I have given them old addresses, account numbers, social security numbers, the actual trace number for the transaction which they have confirmed did not go to me. They refuse to let me speak to anyone in their ACH department and are now telling me I have to file with small claims court and file a police report to ( maybe ) get my money back. I am hoping that filing this complaint will help.
|
| 10/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
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I logged in my XXXX XXXX to down load the XXXX XXXX. I was given a code to put in XXXX Then I was directed to call XXXX and find out why I cant log in to the XXXX XXXX XXXX XXXX. That is the first picture.
Then the guy on the phone said that my XXXX account was compromised that there was {$6000.00} charged to my account. He listed a bunch of states that my account was in. He then had me download the cash app, rainbow app, rockitcoin and XXXX. And XXXX app too. He had me use my XXXX and downloaded all the apps. He watched the XXXX screen when I put in my bank card numbers and then my passwords and email. I started to get suspicious when he was pushing me to go fast. My husband told me to hang up and I did. He continued to text me. XXXX pictures. There were names he had me send money too. He said they were the people who purchased on my XXXX aXXXX XXXX XXXX and XXXX XXXX. The bank is refunded me all my money except the {$2500.00} that was sent by the scammer that hijack my computer and sent money through the XXXX app. I have made several requests for the bank to refund my money but they are refusing.
I filed a police report and had to change out all internet equipment because my IP address was compromised. I have the police report but I am unable to get to it because I am out of town for the next week.
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| 09/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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|
Web |
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M & T Bank recently acquired People 's United Bank. The transition has been a disaster and has left me unable to access my personal and business bank accounts. We had plenty of warning that we would not have access to our online banking until this morning. However as of this morning their online banking website is " temporarily unavailable ''. I tried calling multiple times and the wait times are so long I decided to drive down to the nearest branch ( XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ). There was a gentleman in line there who said the ATM ate his card and he was unable to access any of his accounts. I talked to the manager and she said they were having problems as well. She could access my information to confirm my money is safe, however I could not do anything with it since the branch had not received any bank checks and whoever was supposed to swap out their equipment over the weekend didn't finish the job. Unfortunately that leaves the workers at the branch ( manager and tellers ) unable to assist with many basic banking functions or to answer any questions.
As it stands I and many others are now locked out of our accounts and especially for business owners like myself this is very devastating. Please investigate M & T because this should not be allowed to happen when livelihoods are at stake.
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| 07/29/2018 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
I fell 3 years behind in payments due to severe XXXX injury & hospitalization from the XXXX war while on XXXX XXXX in the XXXX XXXX.
I paid only XXXX for the home in XX/XX/2007. This date and the original purchase amount is also reflected on ALL of the original financial documents ( deed, etc ).
M & T bank took over the loan and literally ADDED each and every payment ( plus interest ) that I fell behind on to the XXXX original purchase price. They, as a result, fraudulently ballooned the Home loan to almost {$590000.00}!
M & T bank then put my payments from XXXX/month to almost $ XXXX/month and literally erased all 8 years of equity ( on time payments ) that I made on the loan.
M & T bank then claimed that I must sign the agreement to pay almost $ 4000/month or face absolute & certain foreclosure.
M & T bank ALSO INCREASED the number of years to pay the loan back to 30 years!
I could not keep up with these payments and M & T filed foreclosure. This is fraudulent predatory lending.
The length of the 30 year loan should have been extended by only 3 years in order to keep the monthly note the same, $ XXXX/month. The 8 years of equity ( 8 years of house note payments ) should be credited towards this loan in full. The original purchase price of XXXX for this Home should not have been changed.
|
| 12/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I was added as a co-owner on the account on XXXX and set up with online banking. When trying to do a XXXX transfer from M & T checking account to XXXX XXXX XXXX account, the transaction would not process. I contacted M & T fraud dept on XXXX as instructed by email that I received on XXXX. I was advised that I needed to change the phone number I assigned for XXXX to my email since I was already using my cell for BOA XXXX. After changes were made, I was still unable to transfer funds. I called M & T fraud back and was instructed because of the original account owners age, I would need to provide Power of Attorney.
I was added as a co-owner by my mother on XXXX in person with a XXXX XXXX XXXX who asked my mother at the time if she wanted me on as co-owner or POA.
The fraud agent refused to approve a small transfer even though I am a legal account co-owner as of XXXX. I understand the need to protect customers from elder abuse but to block transactions based on someones age rather than mental capacity is discriminatory. My mother is starting to have vision and mobility issues which is why I she added me to her accounts so I could pay her bills online and I could transfer $ from her M & T account to my XXXX account to pay me back for her grocery shopping etc instead of continuing to write me checks.
|
| 10/27/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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I wanted to get money from XXXX of my checking accounts, some in cash and some in an official checkI provided identificationI was told I needed to pay {$4.00} to be provided with a check before paying more money for the official checkI had no problem paying for the service of receiving an official checkI told them I did n't need a check, I just wanted access to my fundsThey said I would have to pay if I wanted access to my money in a checking account, although I could use a withdrawal slip and pay nothing if I had a savings accountTo make the foolishness continue, I said I would open a savings account, transfer the money into it, withdraw it, and close the savings account if that was what they wanted since it would be free.
Waited on the line to open a savings account and was told I would n't be able to draw on it since the funds would n't have cleared. The clear funds in my checking accountSo I tried to close my checking accounts. They would n't let me do that since I still had a direct deposit that would be coming through before I could get it cancelled. They would n't allow me to set a future date to cancelHow can it be legal for them to refuse me access to my funds without a fee? I just wanted ( some of ) my money? They had withdrawal slips, they just choose to make them savings accounts only.
|
| 11/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
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On XX/XX/18 and XX/XX/18, I was out of town and tried using non M & T Bank ATMs to withdraw money from my checking account. Unfortunately I was unable to access cash since my ATM privileges were blocked by M & T Bank.
On XX/XX/18, I spoke to an M & T Bank representative regarding my inability to access cash using my ATM card while out of town. I was informed that I had to put in a travel notice prior to leaving town. After I spoke to the representative, I was able to withdraw money from the non M & T Bank ATM.
On XX/XX/18, when I logged into my checking account online, I was surprised to see that I was hit with 5 different inquiry fees. In using the other bank 's ATM, I only agreed to pay the non M & T Bank ATM fee. I did not expect to be charged for 5 different inquiry fees and was not prompted by the ATM to accept any of these inquiry fees. I called an M & T representative to challenge these fees and the representative was only willing to reverse 3 of the 5 inquiry fees.
I find it very unfair that no only was I blocked from accessing my account from another bank 's ATM, but that in my attempts to access cash, I was also hit with inquiry fees multiple times and in each case was not informed that I would be charged an inquiry fee. All XXXX inquiry fees should be reversed, not just 3 of them.
|
| 03/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
Due to inconsistencies in the amount owed that I was told by M & T Bank and the amount that was reported to the credit reporting agencies, I was advised to write a good will letter in order to address the issue and request the negative entry be removed from my credit report all together. I had a vehicle that was stolen and it was declared a total loss by insurance company. The insurance company and the GAP insurancw companypaid the outstanding balance of the loan, but I was told by M & T Bank that there was still a balance due on the loan. In good faith, without having received any proof as to why there was still a balance, I made a partial payment towards the remaining debt. I then sent the goodwill letter still offering to pay the remainder of the debt, but in exchange for the removal of the negative entry on my credit report. At one point, in XXXX 2015, per my credit monitoring agency, it showed a delinquent balance of {$0.00}, but when I checked my credit report again on XXXX XXXX 2015, there was a delinquent balance of {$1400.00}. The monies from the GAP insurance and my insurance company has been paid, M & T Bank says that I still owe {$620.00}, of which {$210.00} has already been paid. I contacted M & T Bank via return receipt mail, but I have not been given the courtesy of a response yet.
|
| 10/23/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Servicemember |
|
I had a checking and savings account with M & T bank in XXXX. My account experienced some overdraft due to how M & T was posting ACH 's and due an unauthorized merchant charge in which an investigation was launched and M & T was sent correspondence that the charge was in fact not authorized by me. I have tried on multiple occasions to no avail to rectify this negative balance M & T says I owe to them of {$230.00} in overdraft fees. They have told me that there is nothing they can do I have to pay the money. I do n't owe this money no XXXX will help they will not allow me to speak to a manager. I need assistance in getting this account cleared. I received a refund check from M & T bank last year for another account due to a lawsuit so I do n't understand why they would issue me a refund but will not handle the issues with this account. Its very unsettling that no one at M & T will do anything to help me and they have acknowledged on several occasions that they received the correspondence from the merchant and that at the time the way my items were being posted was incorrect. Its just ridiculous how much the ball has been dropped on my account even at the branch I went to see a branch manager in XXXX XXXX, MD and she was going to work on this for me and never got back to me I called her for weeks.
|
| 11/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XX/XX/2023 : Notified M & T an unauthorized {$200.00} XXXX charge appeared on my bank statement. While on the call, the bank representative noticed another charge of {$67.00}, also from XXXX made the same day of the call.
The XX/XX/2023 call with M & T about the unauthorized charges was made from my car, with my son, driving back from the XXXX XXXX in XXXX MD.
On XX/XX/2023, my account was closed, card cancelled, and replacement reissued.
I was in position of my physical card at the time of the call.
XX/XX/2023 : Filed XXXX separate claims for the unauthorized charges : Claim Number XXXX ( {$67.00} ) and Claim Number XXXX ( {$200.00} ) XX/XX/2023 M & T sent letter denying the {$67.00} claim, while concluding the {$200.00}. claim was valid.
XX/XX/2023 : Called M & T to protest their denial of the {$67.00}. Customers Service Representative informed me their reason for denial was " because the physical card was used ( and PIN ) to make the purchase. '' Explained that was impossible, because the card was always in my possession, and I did not make either XXXX purchases. The XXXX store involved in this dispute is located in XXXX AR.
M & T 's claim my physical card was used to make a purchase in AR while I was driving in my vehicle in XXXX Maryland ( with the card in hand ) is mind-blowing.
|
| 06/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
In 2013, I open a M & T account for direct deposit. Without notice, a lawyer somehow put a freeze on my checking account. I was n't aware of the freeze until I went to use my check card. I was not given any notice that my account was going to be put into a freeze status. After I went to court and explained to the judge what happened, he released the freeze from my account. I closed the M & T checking account because I was not happy with the way they put my account into freeze without letting me know first. Later, I was charged by M & T bank for extra fees for some very small unauthorized charges. I 'm not sure what these charges for or why they were put on my account, but I was held accountable for them being charged {$38.00} fee on a {$1.00} charge, etc. This was done three times for very small charges. I was n't made aware that I had a balance until I went to have my name added to account with my husband at XXXX XXXX this year. XXXX XXXX would not allow me to establish a joint checking account with my husband because they said I had an outstanding amount to pay at M & T. I need these charges to be investigated because I feel they were unrightfully charged against my account at M & T and wrongful bank fees were applied giving me a negative rating with XXXX XXXX for minor unauthorized charges.
|
| 08/28/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
Hellothe issue is that we were doing a modification that started with XXXX and then it was given to M & T Bank for continuation. Towards the end of our modification, our house was sold, although we had received papers from the court that they were giving us a date in court to stop the foreclosure sale that was suppose to happen the following week. Yet, our house was sold a week BEFORE the court hearing was suppose to take place and when all papers shows that the modification was taking place. I wrote to the court but they replied that hearing was final. I also appealed the courts final decision and the appeal was denied. I asked for a rehearing and that too was denied. Since the beginning I have tried to explain all the process to them. I haave sent and resent papers with proof of what I 'm saying with very detailed explanation and it seems that it has fallen on deft ears from banks to courts to everyone. I found your article in XXXX magazine and decided to write to you about it as a last recourse. I still have hope everything can be undone. They had also told me that if I showed something had changed they would take it under consideration when we were still in the modification, but although I showed my husbad was now working nothing was taken into consideration and nothing changed.
Thank you
|
| 11/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
This company is constantly trying to steal the money the state sends to help me and they do whatever to cover their tracks. First time they told me I had to get paperwork filed and notified, which cost me money. I told them I was waiting for help from the state and they said I still needed to have to paperwork done and they would figure it out when the money came. They tried keeping the money and using the excuse that I had that paperwork done which they told me to do. I had to file a complaint to get it applied to where it should be. Now the state sent more money and they stole that and said it went to my escrow shortage, which by the way they went up significantly on my mortgage using the same excuse about an escrow shortage. I have already talked to the state who sent the money and the said the money was sent to help me with monthly payments. There is no way I was {$9000.00} short in my escrow but this company will do whatever to cover their tracks to keep the money. I need genuine help, I need to know who I can go to to really get this resolved. They are stealing from people who need it. I was in a bad accident and have my neck, back and a rib broken and can not work right now. That money was sent for my mortgage payments but this company practices shady tactics to steal money from people
|
| 01/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
This agency representative XXXX called me back in XXXX saying she was from XXXX XXXX and XXXX, claiming that M & T Bank was going to take action to sue me for a charge off that that I supposedly had in XXXX. I said I know of no such debt and she said call M & T bank charge off and recovery to straighten out. I did call them and they search my name all the way back to XXXX. No charge off was ever placed against me, and that thay use their own collection service that its probably a scam. Then Yesterday again I get this call from XXXX XXXX with same information. When I told her I talked with M & T bank, she got uptight and said with charge offs and recovery, I said yes and she said is this the last four digits of your ss number and stupid me said yes, but I have no debts and that M & T bank told me it was a scam. XXXX immediately said said your refusing to pay, I said I owe nothing and she told me they will proceed with legal processing and hung up. I have the phone numbers off my phones that I do not recognize but believe is how they called me and left the voice XXXX and XXXX, the number to call back was XXXX. I called her back and said they are to cease a and assist calling me that I was hiring legal lawyer to handle this matter. What scares me is they have my ss last four digits please advise
|
| 01/27/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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|
A bank in my locality provided a deplorable and disgusting service. Insulting and discriminatory in term of race, color and ethnicity. This matter was verbally reported to CFPB associate over the phone. I visited M & T bank branch in my locality to deposit a check into my personal checking account maintained at that bank. That check was issued by my own business account from different bank. The payee is myself. The teller and another female bank employee took my check, shut the window down, refused to provide me receipt for check deposit and called in police by providing falsified information that I have been trying to deposit fraudulent check. The insults, disrespects and reckless violation of the rights of a citizen was not ended by that point. The bank employees continued to provide wrong information to the law enforcement with an evil intent that could have caused severe physical damage and harm like that of " XXXX XXXX '' of XXXX, MN. The bank practiced an imminently disgusting racial discrimination by using law enforcement as tool and confiscated my check by force, refused to provide me official receipt with seal and stamp. I did not authorize for that transaction. Later, I found out that the check was " QUIETLY '' cleared and deposited without my consent and knowledge into my account.
|
| 03/30/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened an account for my business own by me, me, online with M & T bank, as the bank was having a promotion. At one point I believed my checks were loss so I called to put a hold on the account. As instructed by the representative, I will need to personal go into the bank with ID to obtain funds. Which I did, however I was rudely greeted by XXXX XXXX whom introduced herself as the manage later to find out she isn't. I was asked to basically open a new account with all documents that was already provide and which I didn't have on my person.in addition I will need to go to the court to get reissued because so have been misplaced. I have my ID, that matches the account so what is really the issue? first to mention I had a sweatsuit on because I feel comfortable wearing but I was being profiled. she begin to question where I get my funds from and I answer freely but she asked mutilple times as if something wasn't correct. At this point, I'm unable to access my account, pay employees, pay rent due to this issue. I'm at a loss and I need one access to my account and compensation for my loss. oh lastly she, XXXX at the XXXX XXXX location and the real manager XXXX whom refused to service me, offered to send a new card to my home address but I WONT BE ABLE TO ACCESS MY FUNDS. MAKE THIS MAKE SENSE
|
| 05/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Yet again M & T bank is pre-dating transactions ( specifically checks ) with the intention of removing the opportunity for account holder to add needed funds before an overdraft fee occurs. I have an entire folder of proof of this scam.
I'm a bit of a night owl, I always check my accounts after XXXX, and very very often after XXXX. It's not a matter of the checks going through at a later time. They sit on these transactions, they are nowhere to be found, not even in " pending transactions ''. They lengthy agreement I signed with M & T bank promises the opportunity to deposit funds by XXXX to avoid fees. They hold these checks and do not post them to account ( pending or otherwise ) at least not on account holder end. Their staff maintains they can see them the day before. Even worse. They can see them predated, account holder can not. This is why I take screenshots and save every ATM receipt.
Just today a check took my account negative. The check posted with yesterday 's date. I checked my account at XXXX, nothing pending. This morning after XXXX, check posted with yesterday 's date and negative account.
Please let me know where to send the rest of my screenshots, receipts, and other docs I have confirming this scam. I attached only 4 screenshots, I have too many to add all of them here
|
| 09/03/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XXXX payments were sent to M & T BANK for XXXX XXXX XXXX BANK on the date of XXXX XXXX, 2015 in the full amount of {$270000.00}. However, M & T BANKXXXX XXXX XXXX BANK did not credit my account ( Account # XXXX ). In fact, M & T BANKXXXX XXXX XXXX BANK did not even have the courtesy to return my instrument. Therefore, this is an apparent case of tax fraud, racketeering, embezzlement and extortion. See attached Exhibits for further details. As a result, M & T BANKXXXX XXXX XXXX BANK is in violation of tax law as well as a few others such as UCC 3-603 ( b ), UCC 3-411 ( b ) & 31 USC 3302.
As mentioned above, although a payment was made but was refused. According to UCC 3-603 ( b ), a payment refused is still discharged or settled. In addition, according to 31 USC 3302, custodians of money who or officials or agents not complying with subsection ( b ) of this section may be removed from office.
Furthermore, according UCC 3-411 ( b ), " a bank which refuses to pay a dishonored teller 's check, the person asserting the right to enforce the check is entitled to compensation for expenses and loss of interest resulting from the nonpayment and may recover consequential damages if the obligated bank refuses to pay after receiving notice of particular circumstances giving rise to the damages. ''
|
| 04/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
To whom it may concern ; This complaint is in regards to a dispute I filed with M AND T BANK in reference to a purchase where I never received the product.
On XX/XX/XXXX I made an online purchase at XXXX XXXX for a XXXX XXXXXXXX mini bike. I found the process concerning because I never received a statement for purchase. Not only that but the address and phone number they provided me was not legitimate.
On XX/XX/XXXX I contacted M AND T and expressed to them my concerns and requested my bank card to be replaced and I requested a dispute for the amount of XXXX.
On XX/XX/XXXX I checked my account and found they reversed the charge despite me not receiving the minibike and title. I visited the local branch on XX/XX/XXXX for more information, the information they provided me was startling and proof of fraud.
First I was shown the receipt. The company told the bank that I picked up the bike on XX/XX/XXXX at XXXX. Next they said I signed an agreement but the signature was not my own. Lastly they used my address but changed the state to make it seem as though this was a local pick up. Despite all the red flags the bank still decided to give a company that was proven to scam customers money for an item I never received.
I am asking to be assisted with this matter.
Sincerely XXXX XXXX
|
| 05/25/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/XXXX I closed on a cash out refinance with M & T Bank. Unbeknown to me, the FHA HAMP loan I received in XX/XX/XXXXwas missed during the title search by the title insurance company that M & T hired. In XX/XX/XXXX I was contacted by HUD that my HAMP loan became due when I refinanced. I did not know this. They want me to pay {$2700.00} a month in addition to the {$2600.00} I pay for my mortgage. I am not in a financial position to to that. I was working with M & T for two months and they filed a title insurance claim. Last month they told me to get an attorney as they are only concerned with their rights not mine. I had to borrow {$2000.00} to pay an attorney and she is working with HUD on getting a lower payment plan. Now HUD has put this HAMP loan on my credit report as a collection account which has caused not only my credit score to go down but I am unable to cosign a student loan for my daughter who is a straight A student and supposed to start college in the fall. All of this is happening because M & T and their title company made a mistake. I never should have been approved for the refinance. I need help with M & T as they need to take some responsibility in this. If the title insurance company grants M & T 's claim then I should benefit from that relief. PLEASE HELP ME!!!!
|
| 08/28/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Each year since M & T purchased my mortgage from XXXX XXXX they have significantly increased my monthly mortgage. This year alone my mortgage increased from XXXX in XXXX to now currenly over 1000 monthly. Initially they said it is because they had no prove of HOA insurance which I provided immediately. Then they said there was an escrow shortage because my taxes increased to over XXXX this year which only amounts to a XXXX increase. My home was purchased in XXXX. I have been in my home now for almost 14 years. The increases are fraudulent and a way to try and force me into foreclosure or remodify my loan so they can add more years. They have refused to take payments from me. Even with the forced insurance they are trying to apply to my account which was XXXX annually an increase of only XXXX $ month the extra XXXX per month they are charging still would not add up. Mortgage increase has been over 30 %. They have treated my mortgage as if it was XXXX instead of the fixed rate it is supposed to be. Once again I have proof of insurance which they have been provided and they still have outrageously increased my mortgage along with associated late fees because they knew mortgage would fall behind. Initial complaint filed in XXXX file number XXXX. Only months after they purchased my mortgage
|
| 09/02/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We are in the process of losing our home we built. Because of the bank stating after 8 yrs our loan matured. Even though we have signed legal doc. stating we have a 30yr fixed loan with at date of XXXX. The bank wants the payment in full but no one can explain how or why this is happening. They are forcing us into Foreclosure and the latest they ask if we would deed the house back to the bank. We have the house on the market trying to short sale it, our realtor XXXX had it on the market for XXXX. We had an offer but the bank refused the amount and counter XXXX. The buyer did not take that offer. We have had an mortgage specialist tell us we can afford that price but M & T bank will not work with us. After several attempts at a loan modification they approved us, but the payments were over XXXX a month. First all of that is unrealistic and totally unacceptable. They stated refusing our payment and would send the checks back to us. I had to file bankruptcy to stop them selling the house. Then they realized they did n't serve the paper and follow proper rules. I DID NOT go through with the bankruptcy but its showing up on my credit report and It will be a long time before I can provide a home for my family. I have a daughter that just graduated from XXXX XXXX and my other child is XXXX
|
| 09/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
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Summary : Accounts are continually opened online in my name at M & T Bank On XX/XX/, from M & T Bank a checking account was opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently. M & T closed the account and sent me a letter. I received a bank account Statement and saw that {$280.00} was deposited and withdrew from this account before it was closed On XX/XX/, another account from M & T was opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently on XX/XX/, XX/XX/, XX/XX/XXXX same exact issues with M & T bank, accounts from M & T were opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently - I begged that they flag my name and notify me and do not open the account - they indicated they could not because it was done on line.
M & T indicated they have my name, ssn, address so they can open account - again I pleaded my case that they do not automatically open and account and call or email me- they said they can not
|
| 08/18/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Starting XX/XX/2021 we have been trying as a family to get our funds out of people 's bank with many road blocks, a year later we still have no resolution.
The banks manager?, XXXX XXXX, at Peoples BANK, NOW M AND T keeps stalling, sending forms to incorrect addresses, asking for more items to be notarized, or for my XXXX XXXX XXXX mother who is no longer in the state to come and pick up a check.
As of last correspondence the most recent info to be notarized was sent to my incorrect address even though we gave him the address record- - it seems he intentionally, maliciously changed the street # misspelled the town and gave the wrong zip to stall.
we need resolution quick as this is putting undue stress on my mom who is XXXX XXXX XXXX and caring for her ailing husband who doesn't have long to live.
A TRIP OUT OF STATE TO THE XXXX BRANCH IS OUT OF OUR ABILITY AS WE ARE CARING FOR A VERY SICK MAN.
PLEASE LET US KNOW OUR OPTIONS FOR GETTING THE MONEY OUT WITHOUT HASSLE.
WE HAVE PROVIDED NUMEROUS FORMS, REVOCATIONS OF TRUSTS, PROOF OF NAME CHANGE, NOTARIZED SIGNATUUES ASKING FOR THE MONEY,.
I think honestly we are dealing with someone who for some reason is acting illegally and unprofessionally holding back our money and we ned help.
thank you XXXX, XXXX, XXXX and XXXX
|
| 01/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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M & T XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX XXXX The negotiator is playing games on this file and forcing a cancellation that is unnecessary. The fully executed Arms Length Affidavit was sent in on XX/XX/XXXX. Yesterday she claimed that escrow didnt sign it. In fact, the negotiator did not bother to look at the last page, which escrow signed separately. Today, XX/XX/XXXX, she came up with yet another excuse to not work on the file, claiming the agents employing broker does not have the right to sign for him.
Firstly, it is obvious the negotiator is playing games -- -- - she didnt ask for the agent to sign instead of the broker yesterday, and all of the sudden today she is cancelling the file. -- -- She is cancelling the file without giving us the opportunity to provide the requested documentation!!!!! She just arbitrarily cancelled the file so she wouldnt have to work on it.
Secondly, she has decided to prohibit the agents employing broker to sign for them even though the broker is legally responsible for all of their agents. This is in fact a violation of CA State Law regarding the rights and responsibilities of the employing broker in a real estate transaction.
I want the short sale re-opened and reviewed IMMEDIATELY. This should never have been cancelled.
|
| 06/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Last year I refinanced my mortgage with the bank that was servicing it M & T Bank. M & T Bank had bought the servicing from XXXX. I was very careful to make sure the new account number got on the Bill Pay I use from my XXXX XXXX checking account. M & T claimed they did n't receive the very first payment after I refinanced. After many calls and submission of payment information I ended up in a XXXX way call with XXXX XXXX and M & T before M & T went back and found the problem. I was told the payment somehow got posted to an internal M & T checking account instead of my mortgage, which is why they could n't find it since they were only looking at the mortgage accounts. This has happened XXXX times in a row now. The way I have fixed it the last XXXX times was to call the lady at M & T who solved the problem the XXXX time. They are after me again for a payment I have already made calling me on a Saturday at XXXX. My fear is if I lose my contact at M & T ( the lady who cleared it up the first time ) I will have to deal with incompetent people who have no clue. It 's in my account record what has happened in the past. Does n't it seem logical that they, number 1 fix the problem so it ca n't happen again and 2 if it does happen again, check to see if the error just might be on their end?
|
| 01/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This CFPB complaint is in regards to my Checking and Savings account with M & T Bank. I deposited money into my accounts in XXXX and XXXX of XXXX My current balance is {$49000.00} in my Checking and {$45000.00} in my Savings, a total of {$95000.00}.
There has been a hold on my account since at least early to mid XX/XX/2022. I am not able to even transfer money from my Checking to my Savings, or withdraw money from M & T.
Despite a visit to an M & T Branch and many phone calls to customer service, M & T has been unable to put me in touch with the department who placed the hold, and this department has made no attempt to ask me for any type of verification. An employee at a local M & T Branch, located at XXXX XXXX XXXX, XXXX, VA XXXX, has been trying to help me. She has been very responsive ; however, she has informed me it is up to an internal department who is very difficult to reach. Therefore, no progress has been made.
In summary, I have a total of {$95000.00} frozen in my M & T accounts. The M & T department who placed the hold has never officially communicated this to me, and has made no attempt to resolve it, despite my constant attempts for the last 4 weeks. I need to access this money.
Please ask M & T to unfreeze my account so I can access my funds.
Thank you.
|
| 09/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a new checking account online couple of month after a dealership financed my new car thru them and by having this loan, I was under the understanding that I was already a customer, but the bank failed to inform me otherwise and also failed to inform me on a clear and timely manner that my account founds will be unavailable until I provide them with a copy of my drivers license and social security card.
By the time I discovered the issue, I was already out of cash, the bank was closed and all my available funds stuck on this account. To correct the issue, I promptly provide the bank with the requested documentation, to which the reply by email saying the issue will be resolved within a day ; however, is been three days and I'm still unable to use my funds because the bank hasn't care to clear my account and the two times I called, they haven't been able to resolved the issue.
The last call I was told the will lift the restriction on my account as soon as they can but can not provide me an exact date because they are too busy and this process could take several days ; yet I have an email of them from three days ago saying that it will only take a day and the issue hasn't been resolved.
as of today, I haven't been unable to access my funds for six consecutive days.
|
| 12/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
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.
|
| 12/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I opened a checking account on XX/XX/20. I set up a login and password, and was able to login.
On XX/XX/20 I tried to login, and was unable to. I got a message " M & T has blocked online access to your accounts. If you would like to request that we reinstate access, or if you feel this block was placed in error, please call an M & T Online Customer Service Representative at XXXX ( Mon-Fri XXXX, Sat-Sun XXXX ET ). '' So I phoned and, after about 20 minutes on hold, spoke with XXXX.
XXXX asked me to verify my identity by giving her the first 5 digits of my SS #. This is very suspicious, as usually I am asked for the last 4 digits. I gave her the first 5 digits, and she looked into my account. She said that she would send me an email to further verify my identity.
Per the email, I received a text requesting a photo of my driver 's license. This is also suspicious. I took a photo of my drivers license and sent it to the number that texted me. Then I realized that the text asked me to click on the link in the text to send her a photo of my driver 's license. I clicked on the link, which brought me to a page explaining how to take a photo. I clicked on " continue, '' but it didn't continue - after several minutes the page still hadn't changed. This is also very suspicious.
|
| 04/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We have attempted multiple times to contact M & T Bank mortgage servicing ( XXXX ) regarding a claim check in which their name was put on it by our Insurance Company, XXXX XXXX XXXX. In the attempts in which I have spoken to someone we have received many different responses, 1 ) we find your mortgage paid in full so you need to contact our customer service department and request a mortgage clause letter so that it releases our name fro the check 2 ) we found that your mortgage was transferred and we have no further information so we can not release our name at this time 3 ) Per representative, I can not find a mortgage with you as lender so I will need to request an investigation which an take 15 days, and someone will be in contact with you at completion of investigation.
Now here 's the issue, we have not ever had a mortgage with this company and have no idea how they have ended up on a insurance claim check. I have contacted the insurance company and their response is they receive this information from a third party fax machine in their office and without investigating or asking client they just add company to the policies.
It would be helpful to get to the bottom of this issue so that we could claim the check and get it reissued. Thank You for this consideration
|
| 02/14/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Last XXXX my mortgage company contacted me during my forbearance to see what my intentions were at the end of my forbearance. I conveyed that I was requesting it be extended for the next six months. At that point they said just contact them before the end of XXXX and it will be processed then. So i contacted them and they began requesting financial documentation through their loss mitigation department. I explained to them that a forbearance request DOES NOT REQUIRE DOCUMENTATION. It was argued that they did and if not they would begin several different processes to determine my eligibility, but only if i provided typical loan documentation. So they wouldn't process my new forbearance if I didn't provide the documentation, or pay my remaining forbearance balance. So we took every XXXX we had, and paid the two payments that remained on my balance. We literally had to choose between food and shelter, we chose shelter. Now we are approaching the end of forbearance # 2 and the calls are coming and I am petrified that they are going to take adverse action against me. I can not sleep, I am getting collection calls from them, this is no fun. We are more than likely going to sell our home to protect our family from more stress due to my mortgage companies aggressive tactics.
|
| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2021, my credit was ran without my permission. I emailed XXXX XXXX in XXXX, NY about a XXXX XXXX vehicle. I never said I wanted to submit a credit application and I clarified many times that I was looking to only put a deposit down. I already knew which bank I was going to finance through and expected this process to be done in person, at the dealership when the car arrived. XXXX, the salesperson I was emailing, also mentioned that in order to move forward with the DEPOSIT, he needed certain information which is why I provided it. That information was used for a credit application, which I wasn't trying to do. Please see my attachment for reference, I highlighted it many times where I mentioned a deposit. As a result, M & T Bank XXXX and XXXX XXXXXXXX XXXX XXXX are on my XXXX and XXXX XXXX ( bank ) is on my XXXX. I have reached out many times since XXXX. XXXX XXXX has not tried to help. This is very frustrating. XXXX XXXX, Assistant Sales Manager, responded " As soon as someone gives us a deposit and a credit app we submit the information to the banks to get an approval ''. The thing is I never submitted a credit app OR gave them approval!! They didn't even try to help me remove this. I want to make a formal complaint against XXXX XXXX for doing this.
|
| 12/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On XX/XX/XXXX, I changed my internet service provider to XXXX. Since then I have not be able to access my account online at M & T bank with who I have banked for nearly 20 years. I only use one computer that is hard wired to the router to access my account for security reasons and it stopped working after I changed to XXXX. Earlier in the day on XX/XX/XXXX, when I was with my previous internet service provider XXXX, I was able to access my account.
When the account login in failed, the website tells me to call the online service center which I called on XX/XX/XXXX and spoke to XXXX with id XXXX. He told me that some fraud alert was triggered and I have to just wait and try again but could not tell me how long to wait for security reasons. I asked if there is a set of steps I could follow that would unlock the account and he said there was none. Only way was to wait and try again. I spoke to manager XXXX XXXX XXXX who also confirmed the same.
I waited a week and on XX/XX/XXXX I tried to log in again and it failed. I went to the local branch and spoke to XXXX XXXX who called the online banking center and they confimed the problem to be systemic with no resolution. Multiple customers who changed internet service providers have the same issue with no solution.
|
| 06/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XXXX/XXXX/16 my bag was stolen containing all of my bank cards as well as my ID. I filed a police report with the XXXX XXXX police Dept. in XXXX. On XXXX/XXXX/16 in filed a claim with M and T bank making them aware of a number of fraudulent charges which had placed my account into a negative balance ( XXXX ). After several days I inquired with M and T Banks Dispute Claims Dept. and they informed me that the claims were denied. I asked the phone representative why they were denying the claim and they said I needed to write, sign and submit a statement saying that I did not make nor was I aware of the charges stated in the complaint. I immediately yet still the claim is being denied. In the interim my direct deposit from my employer went into the account which was immediately consumed by the existing negative balance. M and T did initially issue a credit for XXXX of credit card transactions however the bulk of the charges were ATM cash withdrawals. My PIN was not on the card however all my cards use the same PIN. Any review of the ATM cameras associated with these transactions should easily show that I did not make nor was I aware of these withdrawals. Your help in resolving this matter is greatly appreciated.
Case ID XXXX and continuation of the Case ID XXXX
|
| 01/23/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX at XXXX XXXX my bank credit card was charged for a XXXX purchase of {$36.00}. This purchase is valid. On the same date and time my bank credit card was also charged {$200.00} by a XXXX XXXX XXXX XXXX XXXX This transaction was not authorized. The XXXX employee charged my charged my card on his personal cell phone after he charged my card for the XXXX purchase. I disputed this charge with my bank where they gave me a provisional credit back to my account. I was then notified via letter that my bank denied my dispute stating it was an authorized transaction and withdrew their {$200.00} provisional credit. On XX/XX/XXXX I want to the bank and spoke with an employee who was able to print my transaction history showing both purchased were done at the same day and time. She said she would reopen the dispute on XX/XX/XXXX. After I left the back onXXXX I went to the XXXX location to see if I could handle this issue civilly. The XXXX manager told me I needed to file a police report as I'm not the fist victim this happened to and there is already an investigation into this now terminated employee stealing customers money. My bank should of done their due diligence as it clearly shows on my account both transactions were done on the same day and exact time.
|
| 03/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
My husband and I applied for a refinance with our existing mortgage company -- M & T Bank -- in XXXX of XXXX. We worked with mortgage lender Mr. XXXX XXXX who submitted our application for the refinance. We were told that the best interest rate we could obtain on the refinance was at 3.1 percent. We submitted all of the information requested by the bank for the refinance, and paid fees to obtain our credit reports and the appraisal. Since that time, we were told that the refinance loan was approved on XX/XX/XXXX, and that we would soon close on this loan. But, as of today, we have not closed on the refinance. I have sent numerous e-mails on this mater and also asked if we could obtain a lower interest rate because we were told that the have gone down between 2.5 to 2.75 percent. Overall, M & T bank does not respond to our questions on the status of closing or whether we could obtain a lower interest rate on the loan. I talked to Mr. XXXX the last time on Wednesday, XX/XX/XXXX, but he could not tell me when the closing would occur. As I have explained to M & T Bank representatives it does not and should not take over 6 -7 months to close on a refinance. Especially when this is our current mortgage company and we have an excellent payment history with this bank.
|
| 09/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I discovered in XX/XX/XXXX that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXX for my mortgage with M & T Bank.
At that time, I had a medical emergency that required that I be hospitalized for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment.
Because I was XXXX at multiple and extended periods between XX/XX/XXXX and XX/XX/XXXX, I was unable to communicate with M & T Bank to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to M & T Bank as the mortgage servicer that I was experiencing a XXXX hardship and other complications caused by a XXXX diagnosis and subsequent extended XXXX
I became aware that I was entitled to attest to financial hardship during the COVID-19 emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the COVID-19 Emergency.
Up until the medical emergency, I had an on-time payment history with the M & T Bank since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being released from the hospital.
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| 08/02/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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M & T Bank has refused to close my M & T Tailored Business Checking despite multiple attempts. Per their website ( attached ), " non-interest bearing business accounts with a XXXX balance can be closed by calling the M & T Contact Center at XXXX, or by submitting a request through Online Banking. '' On XX/XX/23, I called the M & T Contact Center at XXXX to close my M & T Tailored Business Checking that has a {$0.00} balance. I was told by both a CSR and supervisor that they could not close business accounts via phone, and I would have to close in a branch or by mailing a letter to my local branch since I am out of town.
On XX/XX/23, I also sent a secure message through Online Banking attempting to close my account, but was told " you spoke with an Telephone Banking Center representative about your concerns '' and was referred back to the M & T Telephone Banking Center.
On XX/XX/23, I mailed a letter asking to close my account to the local branch the M & T Contact Center told me to send it to.
On XX/XX/23, I called the local branch to confirm my account was closed and they told me they were unable to close the account from a letter and I would have to come into the branch to close it and there was nothing they could do while I'm unable to visit a branch.
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| 12/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We are 10 years into a home mortgage, originally with XXXX XXXX, sold to XXXX XXXX XXXX, then sold to M & T Bank ( XXXX, MD. ) One payment was late in XXXX and M & T Bank then refused to accept our payments and told us to work thru their Mortgage Service agent : XXXX XXXX XXXX.
XXXX told us not to send payments until the paperwork was completed on their side, which never happened.
We made a catchup offer at that time which was ignored.
We retained a lawyer who advised that we start a Ch. XXXX Modification plan to protect our home from foreclosure actions, which we did but we kept our house outside of the mod plan and made every payment. M & T Bank 's lawyer filed a document at the discharge of our case XXXX XXXX that all payments ( arrearage and payments XXXX were current.
M & T Bank accepted/cashed our XXXX XXXX payment and now has not accepted/cashed our XXXX, XXXX, or XXXX payments that our lawyer instructed that we send to their lawyer to make sure they would cash them. It has been two weeks and they are still not cashed. This has damaged our credit ratings, made it impossible to re-finance, and jeopardized the bills that are paid from our escrow. Their actions are unethical, borderline illegal, and violate the directions from our Ch. XXXX case judge.
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| 12/06/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Banking errors
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Web |
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On XX/XX/23 I went to my local branch M & T to get a medallion stamp. The branchs Manager questioned the form when its a Fiscal Form from the Treasury. This particular Branch has been known for discriminatory behavior, Lying to their customers about only notarizing statements because their not familiar with the customer. The unprofessionalism and discrimination will not be tolerated at this Branch. This particular form the manager stated she has to check with her legal team as she can not sign on behalf of the bank when the Bank is the Trustee! It was explained the nature of the form and she shouldnt be questioning me about it when it clearly states the purpose of the form. The last page just asks for a stamp. The manager had no issue with stamping any of my other forms except this one! As the Trustee of said Bank its her duty to fulfill its obligations and leave her personal discretion out of business. The staff at this location displays unprofessional behavior when customers of color enter the branch! Notarys are only to identify the persons signature as well on the Fiscal Forms! Its contents unless otherwise specified the notary shouldnt read due to privacy. These practices will not be tolerated by its customers who is making money for this institution!
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| 03/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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XX/XX/XXXX - Initiated Short Sale with XXXX XXXX. XX/XX/XXXX - Spoke with XXXX to winterize the property. XX/XX/XXXX - Spoke with XXXX, short sale packet received & house confirmed as winterized. XX/XX/XXXX - Attempted to call XXXX XXXX, not at desk. XX/XX/XXXX - Received email from : XXXX XX/XX/XXXX - Offer received by bank and in review phase. XX/XX/XXXX - Spoke with XXXX, escalation clause submitted. Checked to see if house was winterized b/c recent showing by local agent said she noticed condensation on the windows. XX/XX/XXXX - Spoke w/XXXX. Appraisal done yesterday. 2nd mortgage on file that must be cleared. Negotiator : XXXX XXXX ( not helpful ). XX/XX/XXXX - Spoke w/XXXX.Lien is no problem.Offer still in " review. '' XX/XX/XXXX - Spoke w/XXXX.Property not winterized! First time I or the borrower was informed that it was the borrower 's responsibility to do so.Most short sales, the bank maintains the property. Short sale denied, home not in salable condition.It was when the offer went in.Moved to foreclosure status.Submitted all paper work a XXXX time, offer not accepted, no counter.Bank wanted home listed at {$97000.00} appraised value, when it was there was no interest.Price point it is now, there is a lot of interest.Moved to foreclosure status.
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| 04/06/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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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.
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| 04/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with M & T Bank ( M & T ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. M & T was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) M & T started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX XXXX and have not yet received a response as to a decision ( 90 days since reporting ) M & T has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!
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| 02/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I deposit a business check for work performed for a customer on XX/XX/XXXX, I was told it would 10 days before check cleared, after the funds cleared XX/XX/XXXX, I removed enough to cover expenses for the job. On XX/XX/XXXX the check had returned. M & T without any word withdrew all my money putting me in a minus XXXX balance which in return bounced my bills that were scheduled to come out. Also, M & T hitting me with service fees {$38.00} another {$38.00} and another {$38.00}. This negative balance also took a direct deposit of XXXX from a tenant for rent that brought my negative down to XXXX. M & T took it upon themselves to credit my account temporarily, I left the credit alone, after contacting M & T and discussing the fact that this is fraud, I feel its half their fault that I'd be taking more of a loss than them, the agent informed me that my account would be closed. I haven't heard a word from them till my mother called me XX/XX/XXXX in a panic stating that M & T had shut her debit card off on her account with no notice other than her bills paid with the card bounced and going to see what was wrong. Since her name was on my acct they weren't opening issuing a new card and that they were going to take XXXX from her social security check deposits.
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| 09/23/2021 |
Yes |
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Web |
Servicemember |
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XXXX XX/XX/XXXX I entered the COVID Forbearance relief program on XXXX XX/XX/XXXX for one year. I have since successfully made the XXXX ( XXXX XXXX Trail payments starting on XXXX XX/XX/XXXX to qualify for a loan modification. I have continued to make on time payments every month and on XXXX XX/XX/XXXX will be 8 months of on time payments.
I have made five request to M & T Supervisors to receive my loan documents to close on a loan modification with M & T Bank. Each time the Supervisors submit an 'escalation ticket ' which amounts to nothing. M & T 's has stated on numerous occasions that I have provided all they need for the loan modification ; however, my loan modification documents is held up with a third party reviewer.
It is my belief M & T Mortgage is slow rolling my loan modification documents because I have made it clear I am refinancing my loan under the VA XXXX program and M & T does not want to loose my higher monthly payment ( {$4000.00} ). Each month I could have a lower VA Mortgage payment by 1 % point but I am powerless against M & T Bank.
This written correspondence will serve as my notice to M & T Bank 's tactics to undermine homeowners by holding loans hostage so to profit on higher interest rates. There is no other explanation.
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| 09/08/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I applied for a modification over a year ago at M & T Mortgage Company. It was a long and grueling process, but I patiently and cooperatively did EVERYTHING THEY asked me to do, and I was approved for the modification. I made my XXXX trial payments on time, as required. Then I got the final modification documents to be signed and notarized. I did just that. I did n't notice that they were requiring my wife to sign on the documents, due to the fact that she is not on my loan nor Deed, so I did n't think I needed to look for a place on the documents for her to sign. So I signed, notarized, and returned documents to the bank, and I also continued making my payments as required. To my surprise, almost 3 months later, M & T Mortgage informed me that they have cancelled my modification because my wife did not sign the documents. PLEASE TAKE NOTE ... THEY NEVER SENT ME ANY NOTICE OF AN OMMISSION OF ANY SIGNATURE, OR IT WOULD HAVE BEEN DONE, and sent back in a timely manner. They had the documents for months and never bothered to contact me about the missing signature, instead, they went ahead and cancelled my modification, JUST FOR A MISSING SIGNSTURE OF SONEONE WHO IS NOT EVEN ON THE LOAN, AFTER I WENT THROUG SO MANY MISERABLE MONTHS TO GET THE MODIFICATION.
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| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX close to XXXX of 2022 I traded in my camper to XXXX XXXX for another camper.
the camper I traded in was with M & T bank. Once the trade was complete it showed that my account was closed and I financed my new camper with another bank. As of end of XX/XX/2022 i was receiving phone calls from M & T bank to call them, Once I was able to talk to someone they told me that i was 4 months past due on making a payment. I told them there is no way thats possible cause the loan i had on that collateral was traded in to XXXX XXXX that I even dont own that camper anymore. So i called XXXX XXXX They called the bank and spoke with them and sent them all the documents that the camper was traded in and resold to another customer. During this time i was promised by XXXX XXXX and M & T bank that while they were trying to figure all this out that my credit was not going to be impacted. Well as of Friday XX/XX/XXXX was notified by XXXX XXXX that there was a change in my credit so i looked into it and shows that M & T bank has reported me as deliquent on payments with them. This is falsely reported considering This account shouldnt be open or even in my name. I was told to file a report before taking legal matters as to where this has hurt my credit tremendously.
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| 01/28/2024 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Servicemember |
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The mortgage company was late paying both installments of my property taxes through my escrow account. They ended up paying the original balance but did not pay the late fees that came about from paying both installments almost two months late. They paid {$3700.00} on XX/XX/2023 when the payment was due by XX/XX/2023. Because of this late payment, a late fee was due by XX/XX/2023 that I got in the mail on XX/XX/2023. I contacted M & T and told them I felt more comfortable paying the fees and getting reimbursed because if they were not paid within the week then my property taxes would be sent to auction. I spoke with a representative and was told on the phone that I would get reimbursed once I paid the late fees and submitted the required receipt. I paid the tax fees to the county directly and submitted my receipt to get reimbursed. After submitting all paperwork, I received a letter saying the penalty was not charged to me, therefore there was no overpayment and I would not be refunded. I contacted them on separate occasions and asked to speak to a manager to clear this up and was told a manager would call back within 24-48 hours, however a manager never returned the calls, and I have been unable to speak to a representative to help with this matter.
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| 07/27/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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On XXXX 2015 we decided to refinance our home so we call our bank they assign me to a sales agent but it was really hard to get a hold of him after a month we call again so they can assign our loan to somebody else they did and the lady sent us an estimate of how much our interest was going to change we agree and they charge my account for the application fee, appraisal and record but they never ask me anything they just told me that it was pretty much approved that everything look good that they needed to send to underwriting for approval they charge my account almost {$900.00} after 2 weeks they call me and told me that they denied my case because a part of my house was modified and that the money was n't reimburse I told the mgr why did n't they told me before they charge my account the requirements to approve a loan they never ask me this questions and they are some lenders that they do accept this if I would know I would n't done it and she told me well we ASSUME that there is no problem with the house and if we ask this questions the process is going to be longer. They need to be more professional by asking questions and letting the customer know that if something goes wrong they are going to lose the money by the way the mgr is really rude!!!!
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| 03/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
Older American |
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The M & T Bank blocked our checking accounts in XXXX caused us checks to be bounced and mortgage payment to be delayed without any notifications and proper reasons. To resolve this issue, we had spent more than 4 - 5 hours calling several M & T Bank operators and managers at XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXX. However, none of the M & T Bank representatives were willing to tell us why our accounts were blocked nor helped us to resolve the issue. As a result, I filed a complaint to the Consumer Financial Protection Bureau to resolve this issue on XX/XX/2023.
XXXX XXXX XXXX on behalf of the Office of the M & T Bank President emailed me to contact XXXX XXXX for assistance with our account concerns on XX/XX/2023. I called XXXX XXXX at XXXX XXXX on XX/XX/XXXX, and got no response. So, I left a message on his answering machine. On XX/XX/XXXX, I called XXXX XXXX at XXXX XXXX again and got no replies. So far, we have never received his calls or voicemails. It has been more than a month that we still have not received the proper reasons why our accounts are blocked, and none of M & T Bank representatives would try to resolve this issue for us.
Nevertheless, we really want to move on beyond this agony and depressed problems with the M & T Bank.
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| 11/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
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|
Web |
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Completed a mortgage modification on XX/XX/2023 with M & T bank. Payment was correct for first three payments. Mortgage payment has fluctuated on every payment since. Loan balance has gone up and down from month to month. Bank has stated we have been late on several payments even though we direct wire funds from our primary bank to pay the mortgage every month. They have tacked on bogus fees for unknown reasons. We have spoke with the bank representative holding the mortgage, ( XXXX XXXX XXXX ) who informs us the error is on M & T banks end due to a merge with another bank that occurred earlier in the year. Has been saying for 11 months the back office is sorting out the mistake and would be resolved. Also stated we would receive a letter from M & T bank stating we have never missed a payment and it would not affect our credit. Still to this date, no letter has been received and the mortgage balance and payment are completely incorrect, even though every month M & T states this will be the month they resolve the issue. Balance has changed by nearly a XXXX dollars. We keep meticulous records and have all mortgage payments made, and texts and emails from bank stating the error is their fault. Again it has been almost an entire year with no results.
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| 07/25/2016 |
Yes |
- Bank account or service
- Checking account
|
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Web |
Older American |
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( 1 ) What happened : On XXXX XXXX, 2016, M & T Bank honored a {$700.00} fraudulent " digital check '' against our joint checking account. On XXXX XXXX, I found this check in an online review of our account and immediately notified M & T Bank of their negligence. We were told that the withdrawal was made against a " digital check '' which the bank was permitted to honor although it contained no signature and no endorsing signature on the back. The check number was higher than any check we had had printed for this account. We did not authorize this check or provide our bank account and/or routing number to the payee- or to anyone else- in writing, by phone, fax, or online. We visited our local bank the next day, as instructed, where we filed an Affidavit of Forgery and where we were advised to freeze the affected account and open a new account- which we did.
Freezing our account meant that Social Security checks, which were automatically deposited, would not be available to us until the SS Administration is able to reroute the checks XX/XX/XXXX.
For many XXXX, all of this could have been an impossibly time-consuming process and a catastrophic financial situation, perhaps affecting access to funds for medications and other living necessities.
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| 10/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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On XXXX XXXX XXXX, my wallet was stolen from me. I immediately reported the incident to the police and to the bank. The bank replaced my debit card. The person who stole my wallet had my account information and my debit card and have used it to purchase some items for {$250.00} from some stores. That money was credited to my account by the bank.
However, the person who stole my wallet went to an M & T bank branch at XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX and withdrew {$7000.00} from my account using a withdrawal slip by faking my signature. The date on the withdrawal slip is XXXX XXXX.
The statement indicates that the money was withdrawn on XX/XX/2023. The bank claims that even though the fund was withdrawn on the XXXX, the date on the statement is the day it was posted. I was at the XXXX XXXX, MD branch on the XXXX, but the money was withdrawn from the XXXX XXXX. I was at the XXXX branch on the XXXX. to make a deposit but not to make a withdrawal. They showed me a camera footage of me at the casher window. No proof that I made a withdrawal on that date. Furthermore, why would a cash withdrawal take six days to be posted? It doesn't make sense. That is why this clam by the bank has to be investigated. Thank you for looking into this matter.
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| 01/26/2024 |
Yes |
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
Older American, Servicemember |
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After XXXX years here in XXXX. I went home ( XXXX XXXX ) after I retired from United States Army to visit my XXXX XXXX XXXX brother and my uncles wife who was still alive and admitted in the hospital. After I came back I missed 1 month mortgage payments and on XX/XX/XXXX I received M & T Bank stating : Under the repayment plan, you must pay the regular monthly mortgage payment of {$2100.00}, along with an additional amount of approximately {$710.00} and XXXX of each months. The following payment schedule provides the specific repayment plan terms : Plan 1 Date : XX/XX/XXXX XXXX : $ {$2800.00} Paid Plan 2 Date : XX/XX/XXXX XXXX : {$2800.00}. Paid Plan 3 Date : XX/XX/XXXX XXXX : {$2800.00}. Paid After I paid the last payment plan 3 on XX/XX/XXXX they want me to pay {$2100.00} regular payment. I called the mortgage multiple times telling them Im retired 23 years XXXX and XXXX vet so you know I get paid every end of the month therefore, you cant do this to me. I told them I also have bills to pay and also food, gas and I asked them these 3 plan payments should be able to cover one month missed payment. So the next payment should be XX/XX/XXXX or XX/XX/XXXX. Please HELP they are still calling me telling me Im behind one month payment. Thank you
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| 01/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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M & T Bank refuses to call me back regarding my request to modify my home mortgage and remove PMI. I 've followed their requests to pay for an appraisal of their choosing, and when the appraisal was completed I received an autonomous letter signed " Sincerely, Insurance Servicing ''. When I call the only number provided, there is no choice for the topic of my inquiry, and I have had to spend excessive time navigating the automated system that has no mechanism to direct me to a human M & T representative. When I go thru an option that is not why I 'm calling, I finally speak to a customer service rep who is not even allowed to provide me their complete name. They have no authority, they just put me on hold and eventually I speak to a person who just reads me back verbatim what is contained in the autonomous letters signed XXXX XXXX. When I ask to speak to someone in XXXX XXXX, I 've been told it 's not a department. I 've never felt less regarded for my business and my existence as a fellow human being. I 've been waiting two weeks now for someone with direct knowledge of the letter 's I 've received to call me back and discuss my account. M & T has no regard for me as a customer, and I would never recommend doing business with this bank.
|
| 01/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American, Servicemember |
|
I was debt free with a paid for house when I got married. My wife 's name never appeared on the deed to the house. Yet she fraudulently obtained a {$97000.00} loan from XXXX XXXX XXXX in 2007 by forging my name on the mortgage application. The notary seal is n't even on the same page as the signatures. I am currently making {$780.00} payments to M & T Bank.
My wife took out several credit cards in my name and opened an account at a big box store. She also removed {$21000.00} from her XXXX retirement account without my required signature. In total she stole {$250000.00}. She was charged with identity theft and XXXX counts of credit card fraud. She pleaded guilty of identity theft and the other charges were dropped. In total she was ordered to pay me {$5000.00}.
My divorce lawyer called me a liar concerning the mortgage fraud and continually told me to shut up and stop whining. I do not have the money for an appeal. I have filed a complaint with the Attorney Grievance Commission of Michigan but I am not optimistic on that course of action.
Recently M & T Bank contacted me to offer a reduced mortgage rate loan to lower the 7.75 % I am currently paying. Then they told me that they could n't give me a loan because my credit is so terrible.
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| 06/17/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Due to losing my job we have had to apply for a customer workout to try and keep our home.
Having never to go through this before, I filled out the paperwork and on the paperwork it indicated approximate and verified. I did not fill out the verified amount because I sent in all our bank statements. I thought the bank will verify the actual total. We were given a ridicously amount to payback, I spoke with their representitive XXXX ID XXXX and was told that is the amount we need to pay to keep our home. I asked how is it possible for a family of XXXX to live on {$500.00} left over a month. I said I can not even buy food for that amount. He said I did not list spending any money for food. I advised that I thought they would verify the amount from our bank statements and he said no. I said isnt that a little ridicously to believe that a family of XXXX would not spend money on food? He said no for all he knows we grow our own food. I said that is far fetched he said its my fault I did not feel out the verify amounts. I am furious that I have been calling and calling to give all information needed and have been trying to get this resolved to no avail. M and T received XXXX XXXX in tax bailout money and they will not help with an FHA loan.
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| 08/07/2017 |
Yes |
|
- Trouble during payment process
|
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Web |
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M & T Bank has stolen payment of {$89.00}, XXXX from me as they have received a lump sum payment and is in violation of many laws including pyramiding late fees, escrow violations and misapplied payments. M & T Bank 's refusal to correct their records since spring of XX/XX/XXXX has resulted in my credit suffering and my land being auctioned in a tax foreclosure sale for M & T Bank 's failure to pay the property taxes. I received a mortgage bill as recent as XX/XX/XXXX that billed for taxes and insurance, etc and for what? There was a home fire in XX/XX/XXXX and no insurance has been needed for that vacant lot that has remained since XX/XX/XXXX. Why have I been billed for insurance that is not possible to obtain? Why am I billed for property taxes they failed to pay and now my land is foreclosed upon? Why do I get offers to modify my loan, yet no simple correction and return of my funds. Why does M & T Bank bill for maintenance when the lot was maintained by the City of XXXX? Per the attached records, not only was the property foreclosed on by XXXX XXXX in XX/XX/XXXX for UNPAID taxes I received a mortgage statement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so on ... None of these statements have removed taxes and insurance from them.
|
| 12/31/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
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My IRA was due in XXXX so I wanted to rollover the account to a different bank. I had another IRA due in XXXX so I suggested I put the IRA into a term to coincide with the XX/XX/XXXX IRA. I can have only one rollover for IRA a year. When they were due, ( XX/XX/XXXX IRA ) and XX/XX/XXXX ( grace period 10 days ), I suggested a transfer of one into the other to meet the one rollover a year Internal Revenue rule. They let me do that, but would not let me have the money since they said it was XXXX AND THE SYSTEM WOULD NOT LET IT GO THROUGH. I waited 2 hours to get that answer. I WAITED till XXXX XX/XX/XXXX, since the previous XXXX ( bank closed ) and XXXX the system would not go through ( they said ). When I went to the bank on XXXX, they said because it was a transfer of one IRA into another IRA I had to wait a period of 7 more day ( XX/XX/2017 ) or incur a penalty. I said because of the delay I would incur another penalty since the IRA ( due XX/XX/XXXX ) had transferred into the ( 13 month due XX/XX/XXXX ) instead of closing in the 10 day grace period because of their delay. They assure me they would waive the penalty, but I am not so sure. I am not so sure I will be getting my check for the total the coming XXXX ( XX/XX/2017 ) at all.
|
| 11/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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Someone did a mobile deposit of XXXX on XX/XX/XXXX into my and my sons joint checking account. My son called bank to inform them this was not right. The check got returned due to being drawn on a fictitious account. In the meantime we got charged XXXX fee for depositing a bad check that neither one of us did. Now his account is frozen. They will not give me the # of the mobile phone that did this nor the IP address it was done from, They will not refund the XXXX.
The check was made payable to my son from some lady in XXXX NM, Check was not endorsed by my son, check was signed with a different name than whats on the account. I tried to contact this lady, but did not have any success with her home or work numbers I located online. I feel this is wrong to charge my account a fee for a scam check that was not deposited by myself, my son or anyone we know. They will not give me the information of where this deposit initiated from. How unfair for an honest person to be treated like a scammer and a liar. If you should need copy of this scam check or any other information please reach out to me. I have contacted local branch, they said they would get back to me and never did. I then called the XXXX # and still could not get any answers.
|
| 09/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
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Web |
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Homeowner XXXX XXXX submitted a loan modification application to her servicer, M & T Bank, on XX/XX/22. She received a letter dated XX/XX/22 from M & T stating that her application had been deemed complete as of XX/XX/22. On XX/XX/22, she received a letter from M & T stating, " While we have reviewed all the documents and information that you have submitted, we are still in the process of obtaining third-party information that is necessary for us to make a determination on your application. '' The letter specified that the required information was " Investor Approval [ and ] MI Approval. '' As of today, more than six weeks later, M & T says that the application is " still in underwriting. '' As the application was deemed complete more than two months ago, M & T is not in compliance with 12 CFR 1024.41 ( c ) ( 1 ), which requires the servicer to review and render a determination on a complete modification application within 30 days. XXXX XXXX ( who suffered a COVID hardship and was extended a COVID forbearance, but whose income has resumed ) is very able to afford to pay her mortgage once the arrears are capitalized and the term is extended, as her complete modification application with its supporting documentation demonstrates..
|
| 07/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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Behind on payments, moved to a different house, listed house with Realtor, had two different offers and both offers fell through due to buyer 's lender 's underwriting requirements that came up 30+ days into the sale. Offers fell apart. Realtor tried to get M. & T. Bank ( lien holder XXXX ) to pre-approve a Short Sale but bank refused said not allowed. During the process of trying to work with M. & T. Bank on both offers, various employees of M. & T. Bank had different information on the process, took weeks at a time to respond, refused to work with the Realtor ( even though all forms were submitted to give permission to work with ). No straight answers, no person capable of making decisions about offers were ever available to speak with, no email addresses ever available nor direct phone numbers. When calling M. & T. Bank it was a circular phone message no parties ever answered. The bank denied even knowing the company they hired, XXXX XXXXto assist with Sale. XXXX XXXX ( XXXX -- XXXX ) said always have to deal directly with M. & T. If was a " Circle of Nothingness '' Any person that you could reach by phone was unable to make a decision and they required an offer in hand before they would stop the clock ticking on the process.
|
| 02/07/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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The phone team again messed up my account. I called and tried to open a dispute XX/XX/2022. The representative was rude and opened the dispute for the wrong charge. I had a valid charge from my gym onelife fitness. However they overcharged me. It was supposed to charge {$39.00}. I told the rep this and was expecting a {$20.00} conditional credit, with the dispute paperwork being mailed to me to fill out. However today I see a {$5.00} conditional credit for dispute and the phone team wont speak to me the 2 times I called. The charge I am trying to dispute that the phone team admittedly has no idea how to remedy is below : " XXXX EFT '' on XX/XX/2022 from my checking account in the amount of {$59.00}. Please note it was supposed to be a {$39.00} charge. Please open the dispute and assign a supervisor I can converse with. I can not speak by phone and only in writing given the nature of my XXXX and the inability to find competent reps at your phone numbers provided with using assistance. There is this concern and also I never got the promo monies for opening the account initially I was promised. I saved these screen shots and emails from last year. Can I have the email to discuss this as well with a competent supervisor? Thank you.
|
| 06/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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The brief summary of the complaints are listed below : ( Please see full letter that has been submitted with this online complaint ) : - M & T Bank indica tes my mortgage loan i s one month behind but M & T Bank reps are unable to provide month & year the payment was supposedly missed - M & T bank indicates unapplied funds associated with the mortgage but unable to provide reason for this issu e - M & T bank 's loan serv icer " XXXX XXXX XXXX '' mailed a check for almost {$11000.00} to me in XX/XX/XXXX . The reason was unclear. There are severe concerns that XXXX XXXX XXXX did not process my loan modification correctly. -M & T Bank mails confusing and conflicting documentation - Request for removal of PMI has not been addressed by M & T Bank - C oncerned that negative information is being incorrectly reported to the XXXX credit bureaus - When contacting th e M & T Bank reps, always told mortgage is one month behind, the investigation is ongoing, someone will call with results, etc ... No individual can provide t he answers needed to resolve the issues. - Decided to cont act M & T Bank Ch airman and CEO along with each of the bank 's regulatory agencies for assistance and resolution of all issues.
|
| 11/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
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I have an issue with M & T bank I financed a vehicle going back XX/XX/2013, I set up automatic payment An authorized the bank To withdraw from my bank account every single month The payment that is due for my finance the vehicle, in beginning of XXXX I inquired To take out a loan shockingly I see on my report That M & T bank is reporting me to the credit Bureau that I was late, I reached out to M & T bank For explanation And they respond to me That I did not pay the last Payment So I told them That I authorized M & T bank to take Out from my bank account Every single month for the monthly payments they did not withdraw the last payment And then they are blaming me for not making payment I need this derogatory items removed from my report as soon as possible. The reason I set up automatic payment So I shouldnt be in this position That I was late On a payment And here I am in the situation that I did not want to be Do the negligence Of M & T bank not reaching out to me And not withdrawing From my bank account which I authorize them In the beginning of my Finance Contract.
I filed a complaint already last week And M & T send back wrong Documentation a wrong Vin number Wrong year make and model my other complaint number is XXXX
|
| 11/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
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Web |
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I have been a member with M & T Bank for over 12 years and held various accounts with them over the period of time that I was a customer. Earlier this year, I put in a dispute for charges on my card that were subsequently denied for some reason. The dispute was valid, but I was advised that when M & T makes a decision on a dispute, there is no secondary review. After denying my dispute, all transactions were reversed sending my account into a negative balance ( something I had not experienced in quite a while because I changed my account type so that it can not overdraft ). I then received a letter from the bank giving me a very short period to pay the money ( that I should not have owed in the first place ) back into the account or else my account would be terminated. As a customer that has used MTB as my primary bank and moved well over {$100000.00} through the institution, this was a painful experience and caused many issues in my life because most of my bills were linked to my M & T personal account. Outside of losing my account, M & T left me with a balance that I feel was not properly investigated at all. I have been a victim of fraud in the past and this has been documented with M & T but they still closed my account.
|
| 06/14/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I took out a {$2000.00} Home Equity Loan with Wilmington Trust now M & T Bank around XXXX. I was paying {$400.00} per month UNTIL I lost my job of 20 years around XX/XX/XXXX. I was unable to make payments due to loss of job and being XXXX due to illness. I eventually won my Social Security XXXX case around XX/XX/XXXX to which I met with a Wilmington Trust official at their XXXX De branch and I brought the loan current according to their figures of {$16000.00} to which I have the original check that I am providing a copy of. Unbeknownst to me, Wilmington Trust filed a Default Judgement against me just 2 weeks later on XX/XX/XXXX for {$8500.00} to which I was not aware of until I tried to refinance my home mortgage with another lender in XXXX. I SUBSEQUENTLY PAID THE {$8500.00} TO REMOVE THE LIEN AND JUDGEMENT AGAINST ME ON XX/XX/XXXX. THERE SHOULD NOT HAVE BEEN A JUDGEMENT AGAINST ME WHEN I PAID THE {$16000.00} ACCORDING TO THE BANKS OFFICIAL FIGURES TO BRING THE LOAN CURRENT ON XX/XX/XXXX. WILMINGTON TRUST FILED THE JUDGEMENT AGAINST ME JUST 2 WEEKS AFTER I BROUGHT THE LOAN CURRENT ON XX/XX/XXXX, XXXX!!!!!!! I also completely paid off the loan through Chapter XXXX Bankruptcy Plan through XXXX XXXX XXXX TRUSTEE on XX/XX/XXXX.
|
| 06/14/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I took out a {$2000.00} Home Equity Loan with Wilmington Trust now M & T Bank around XXXX. I was paying {$400.00} per month UNTIL I lost my job of 20 years around XX/XX/XXXX. I was unable to make payments due to loss of job and being XXXX due to illness. I eventually won my Social Security XXXX case around XX/XX/XXXX to which I met with a Wilmington Trust official at their XXXX De branch and I brought the loan current according to their figures of {$16000.00} to which I have the original check that I am providing a copy of. Unbeknownst to me, Wilmington Trust filed a Default Judgement against me just 2 weeks later on XX/XX/XXXX for {$8500.00} to which I was not aware of until I tried to refinance my home mortgage with another lender in XXXX. I SUBSEQUENTLY PAID THE {$8500.00} TO REMOVE THE LIEN AND JUDGEMENT AGAINST ME ON XX/XX/XXXX. THERE SHOULD NOT HAVE BEEN A JUDGEMENT AGAINST ME WHEN I PAID THE {$16000.00} ACCORDING TO THE BANKS OFFICIAL FIGURES TO BRING THE LOAN CURRENT ON XX/XX/XXXX. WILMINGTON TRUST FILED THE JUDGEMENT AGAINST ME JUST 2 WEEKS AFTER I BROUGHT THE LOAN CURRENT ON XX/XX/XXXX, XXXX!!!!!!! I also completely paid off the loan through Chapter XXXX Bankruptcy Plan through XXXX XXXX XXXX TRUSTEE on XX/XX/XXXX.
|
| 01/04/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I attempted to do an XXXX XXXX cycle with a XXXX clinic, XXXX, back in XXXX for which they fabricated medical information and committed medical fraud. They stated I had XXXX XXXX and could get XXXX XXXX XXXX XXXX. I simultaneously had my primary XXXX perform an XXXX for which I have the medical records stating that there wasnt any follicles most likely but possibly there was one and that I was XXXX. In the end I never got the service that I paid {$8000.00} for and lost in additional {$4000.00} or so on the medication. This XXXX XXXX could not even supply me with medical records that this was attempted or anything which is another violation of medical law. I put this on my M & T bank credit card for which they did refund me the medication amount but the {$8000.00} clinic amount they are not refunding me despite the fact that the merchant stated multiple times that they would give me a refund! I have an email from the merchant stating they would email me dated XX/XX/2023 and the bank is refusing to acknowledge that and take the money back. That is in violation of United States credit laws. If merchant promises a refund, the bank is supposed to take the money back on behalf of the customer, and they are refusing to do so.
|
| 03/23/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
After speaking with an attorney who identified himself as XXXX XXXX of XXXX XXXX about an inheritance document ( that was later found to be forged along with death certificates and notarized court documents ) ..I then realized that he stole the identity and letterhead of the actual XXXX XXXX as I called the correct office of the real attorney who I thought I was dealing with. The real XXXX XXXX told me it was not him and I was involved in a scam. Along with the stolen identity of the attorney was another party who pretended to be a bank audit department head ( XXXX XXXX of XXXX XXXX in the XXXX ) using the exact same letterhead and phone exchange as the real XXXX XXXX in the XXXX.
Before I realized all this they had me wire funds ( {$7700.00} on XX/XX/20 and {$31000.00} on XX/XX/20 ) to their so called domestic trust account at M and T Bank at XXXX XXXX XXXX in XXXX MD. The name on this account was XXXX XXXX XXXX and account # XXXX.
Upon realizing this fraud I went to my bank ( XXXX XXXX ) and had them order a reverse and stop transfer of fund request and told M & T to investigate these transactions due to fraud but my bank or myself has yet to hear from them. I reported this to the FBI as well as local authorities
|
| 02/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a checking account with M & T Bank on XXXX. I have made a series of deposit from that time until XXXX. Since that time, my funds have been frozen and unavailable to me in any capacity. I went to an M & T branch at : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX and was told my case was submitted and to wait for somebody to contact me. A compliance officer from M & T contact me on XXXX requesting documentation showing the source of those funds. I provided the information on the same day, clearly explaining and detailing the transactions supported with credit card statements. That officer, ( XXXX, XXXX XXXX ), subsequently emailed me to say that the restraints on my account were lifted. However, that was not true as I still can not access my funds.
Subsequently, I received a follow-up call from " XXXX, XXXX '' XXXX asking about the same case. I referred her to my email thread with XXXX, but she then told me she can not help and that I had to go to a branch. That's full circle as I started at a branch! That email was on XXXX. I have since contacted the branch multiple time. Spoke with XXXX XXXX multiple times. She can not get a response from whomever needs to review this case.
At this point, I just need my money back.
|
| 11/20/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
On Friday XXXX XXXX, 2017 I received three letters concerning three accounts I have with M & T Bank- that they are going to close all my bank accounts- including a personal credit card, my personal bank account, a company bank account and my 401K retirement account in 30 days and I must take all my accounts to another bank. They have not given me any reason for this and state they will not give me a reason. I have a XXXX credit score and never had a returned charge. Also, the 401K bank account took weeks to set up and I can not switch this account to another bank at this time and possibly not at any time in the future. Some banks do not open accounts like this and it is a very long process to open this type of account. The bank has required me to keep {$5000.00} on deposit for my 401K accounts and I have done that. Why would they not want to keep this account since there is no expense for them to hold and maintain this account? Why do they do this to a very good customer with a very good record and credit score? I can not move these accounts at this time because I am a XXXX for a XXXX XXXX XXXX program and have too much work to do in the last 4 weeks of the session to spend on setting up new accounts with another bank.
|
| 12/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Complaint narrative : RE : Complaint regarding Regulation E violation by M & T Bank Dear Sir or Madam : This is a complaint against M & T Bank for violating Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 1005.11, by not conducting an investigation and/or by not providing a written explanation of why my claim of unauthorized transaction under Regulation E was denied.
On XXXX I notified M & T Bank that my Debit card was used for an unauthorized transaction in the amount of {$990.00} on XXXX with a merchant XXXX. I did not authorize any transactions with the merchant XXXX on or after this date, and I did not authorize anyone else to use my Debit card with that merchant.
On XXXX I found out that M & T Bank denied my Regulation E dispute without providing a responsible written explanation.
I kindly request that you investigate M & T Bank 's violation of Regulation E, and compel M & T Bank to restore the funds which have been withdrawn from my account as a result of the above mentioned unauthorized transaction. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests.
Sincerely, XXXX XXXX
|
| 02/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I just received a letter from M & T Bank. Perhaps I didn't make myself clear. I need a YES or NO answer for the following : Did XXXX XXXXXXXX pay-off my Hudson City Savings Bank Mortgage number XXXX YES or NO If the response is YES please provide the transactional information such as amount paid and the check or transaction number so I can have it authenticated.
I never received the satisfaction of mortgage, release of lien or discharge of mortgage and the ONLY thing that matters is transactional proof the mortgage was paid of by XXXX XXXXXXXX YES or NO As you may already know XXXX XXXX has not produce anything at all to prove that they paid off this mortgage. If things have gone this far and their was no mortgage to pay-off I won't be able to sell something that was not paid for and will end up in court getting sued.
This is a YES or NO question please expedite and be honest because I will be send all the facts to various politicians, TV stations and government agencies while I continue to search for a real estate lawyer who handles criminal cases. When the time comes I have every intention of signing complaints on all parties involved and all parties that aid and embed criminal enterprises. Please be honest.
|
| 12/13/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
The bank continues to send me notices, in which, they include the mini Miranda disclosure making them collection attempts. These letters state that they need my XXXX XXXX insurance policy. I had called them several months ago and gave them the number and information to call the condominium association. Being the absurdly horrible bank that they are, they have n't done this. I live in a condominium with well over 100 units, so I 'm sure they could cross reference with other mortgages at my address or they could contact the condominium association as I had directed them in the past. If these letters continue, I will pursue legal action against M & T bank for the time I have spent on this matter as well as attorney fees and applicable damages. It 's particularly interesting that no other bank that has owned my mortgage in the past ( there have been many ) has ever made this request. It further speaks to M & T 's incompetence, laziness and disregard for their customers time.
Please let this clown show of a bank know they can reach my condominium association with the information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX & XXXX XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX
|
| 06/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I purchased a XX/XX/XXXX Acura TL on XX/XX/XXXX at XXXX XXXX, NJ. The dealership stated that the bank charged me {$1500.00} in acquisition fees to get approved. The vehicle had some problems but I never drove the vehicle off the lot. The dealership made XXXX attempts to repair the vehicle and I told them I just wanted to cancel the deal. The owner of the dealership told me if I called the bank he was going to keep my money & the car. I called the bank on XX/XX/XXXX to cancel the deal of a vehicle I never took possession of and they told me that they could n't do anything on their end because the loan was n't in the system. The representative told me that I needed to call back in a couple of days. On XX/XX/XXXX, the dealership called me and told me the bank had sent the funds to them and they refused to cancel the deal. I called the bank to confirm this information and they told me I needed to seek legal counsel. If the dealership mislead me the fraudelent bank fees, car history, and bogus destination fees. I wonder what measures they went to get me approve and it needs to be investigated. I informed M & T Bank of fraudulent deal that I wanted to cancel and they would not assist me. I was scammed out of {$2500.00}.
|
| 08/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2022 I withdrew {$200.00} from M & T Bank 's ATM in XXXX, Maryland and received precisely {$200.00} routinely as expected. Then, on XX/XX/2022 they charged me an additional {$300.00} on the same checking account giving only a reason of " Misdispensing ''.
Upon my inquiry to their office about the charge, they said their ATM malfunctions, thinking they dispensed {$500.00} instead of {$200.00} of my withdrawal. I disputed with them that I only received {$200.00} as requested. I was not aware of this incident until XXXX that's why I visited them on XX/XX/2022, since they never indicated of this charge to me until I used the ATM again on XX/XX/2022 and found out from the lower balance than expected on my account. Upon additional visit to their office I learned that their ATM had a video recording on each withdrawal cash, but never offered to show or confirmed that they used any kind of evidence to support such a charge to me. Nevertheless, it's their machine, it is under their control and I have nothing to do with it. I needed at least some evidence like documented by the machine like the video recording for them to make such a charge to me. The bank so far has provided no solution to this dispute upto now.
|
| 06/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On XX/XX/2023, I opened a new M & T Bank account online. I was given my new account number and was allowed to enroll in online banking. A few days later, I started to get emails saying my online banking was locked and my paperless statements had been turned off, and the debit card I received could not be activated. I could no longer log in online, and was directed to call a toll-free number at M & T, which I did. The person I spoke with, who was very rude, told me my account had been closed with no explanation. I asked why and he told me there was no information. I asked if a letter would be mailed and he said it would, but when I pressed for specifics about when a letter was/would be mailed he would not provide any further information. I have waited over 2 weeks for a letter explaining why this account was closed 4 days after I opened it, before I had made any activity on the account whatsoever, but I have not received any further info from M & T bank. if M & T Bank closed my account, they are legally obligated to tell me why it was closed, what information source they used to deny me opening an account, and tell me how I can get a copy of whatever consumer report they used to take adverse action against me.
|
| 07/08/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage company advised me XX/XX/XXXX that it would suspend all collection and interest activity due to me having experienced a home fire and the home not being habitable. Since XXXX MT Bank has held funds in excess of {$89000.00} and is aware of my intent to payoff the principal balance due, especially since they had failed to cease collection, interest and unlawful escrow practices. I spoke with a supervisor XX/XX/XXXX who assured me that all erroneous interest and escrow balances that have increased the amount due since XX/XX/XXXX would corrected, removed and my payoff balance adjusted accordingly. The deadline she gave me has passed and no thorough investigation or ownership of my unique situation has occurred. I have spoken continuously with representatives from MT Bank, and kept logs of all correspondence since XX/XX/XXXX, and have constantly received confusing and incorrect information regarding my intent to pay off the principal loan balance of {$68000.00} as reported on my credit file and have the difference of my withheld funds in the amount of {$21000.00} returned to me. Currently they remain in violation of the Act and continue to hold my funds unlawfully with no interest accruing in my favor.
|
| 11/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
I called the customer service phone number for XXXX XXXX to request a refund for services, but unfortunately the number connected me to a scammer. The scammer tricked me into believing they had deposited excess money ( by transferring money from my savings to checking without my knowledge ) in my checking account which I then had to return to them by wire. They stated to return it to a person associated with XXXX as they could not give me the XXXX account information.
I realized what had happened within XXXX hours and called M & T to discuss the issue. The fraud investigation I initiated provided little information and I was told to get subpoenas from the police ( in process ) for additional information ( such as the timing of the movement of the money ). No written fraud report was provided to me, but the sheriffs detective did report some details verbally ( see attached document ).
I also provided M & T a letter ( on the advice of the detective ) documenting why I did not feel they performed their due diligence at the time of the wire transfer and the text of this letter is attached under documents. I have not yet had a reply to this letter, though my contact by phone is the M & T Employee XXXX at XXXX
|
| 01/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I recently opened a joint checking account with M & T Bank with my husband, and I am in the process of transferring from my individual M & T checking account to my joint account. On Friday, XX/XX/2020 I disabled the overdraft protection feature on my individual checking account with M & T. Following this action, 2 transactions were completed resulting in a negative account balance as well as 2 insufficient funds fees. I contacted M & T on XX/XX/XXXX asking for a removal of the insufficient fund fees, and notified them of my intent to pay the outstanding amount, though I did not wish for it to be transacted from my bank account. Unfortunately, the two people that I spoke with informed me they would not be able to do so because they have previously reversed overdraft fees. However, half of the incidents of reversal of overdraft fees were erroneous, as there were funds available during the time the transaction posted. I would like the overdraft/insufficient funds fees removed from my account, as I have willingly paid them many times while experiencing financial difficulty and banking with M & T. Not to mention, I specifically requested for this feature to be removed from the account, but my request was ignored.
|
| 10/01/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Good morning I have been fighting with M & T Bank since before Covid hit on a loan modification and pre-mediation for foreclosure. In XXXX of XXXX I was separated and going through a divorce, with my income hampered I was no longer able to make payments as of XX/XX/XXXX. When I attempted to work on a modification suited to my current income, M & T Bank would not work with me. As such I fell behind on my payments and in XXXX of XXXX I lost my job due to Covid. At this point I was about a year behind and M & T had started Pre-mediation for Foreclosure. I contacted them to try to work with them, which they would not do. I went to pre-mediation in XXXX of XXXX but M & T and the Lawyer did not show up. At that point Courts closed and I was instructed to not take any action. Fast forward to this past XXXX when Courts opened back up, my pre-mediation was starting back up. M & T bank reached out to me to do a hardship, and I explained I was making more as well had the possibility of other income coming in starting XXXX of XXXX. Again they refused to work with me stating they did not have any programs that would help me even though I am able to make the Mortgage payment on my own if it were modified or re-financed..
|
| 09/06/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
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I was contacted by XXXX XXXX XXXX XXXX who offered attractive investments and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX XXXX is not regulated in XXXX, where I reside, nor in the USA where the Merchant and its beneficiary pretended to be registered. I now understand that XXXX XXXX XXXX XXXX does not have the ability to provide segregated accounts for investment purposes.
XXXX XXXX XXXX XXXX instructed transfer payments to a Beneficiary called XXXX XXXX which bank account is at M & T Bank, New York. ( invoice attached ) 1 transfer was executed for a total amount of {$2800.00} to this account XXXX XXXX, XXXX : When I found out that it was, a scam, a Lawyer sent a letter to the Beneficiary XXXX XXXX in XX/XX/XXXX. No reply was received. ( Letter attached ) XX/XX/XXXX, A lawyer sent a letter to M & T Bank. I received an email reply XX/XX/XXXX, form a XXXX Field Investigations Manager, stating I spoke with our legal department and we will be denying any claims at this point. You will need to go after XXXX XXXX XXXX XXXX who sent you the actual invoice. They are not a customer of M & T Bank.
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| 03/30/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I have reported numerous times, direct proof of my accusations, and my complaints have not been addressed or resolved. Well XXXX sold my mortgage to M & T Bank.
The claims and documentation from both mortgage companies does not reflect each other.
The information provided is false, I was being reported to the credit entities at the same time by XXXX XXXX and M & T Bank mortgage companies along with a fraudulent trail e account that has in numerous occasions changed names from Tradeline, Loan, to Rearrange.
My past complaints to the CFPB has addressed many of these punks record documents reported falsely against me and my credit worthiness.
M & T Bank closed my mortgage account in XX/XX/2022 and reported my account as bankruptcy.
This is false I did not file bankruptcy at that time.
I have a seed to my land I purchased prior to the contract or construction of my home being built.
M & T bank has claimed this to be theirs.
I have constantly endured unfair, unethical, treatment, concerning my mortgage.
I am a 100 % XXXX XXXX Texas XXXX XXXX.
My Va Loan benefits were used to purchase my home and the information M & T has claimed does not reflect the documents from the VA or my original FIRST mortgage.
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| 05/02/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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We applied for a loan modification the first time last year on XX/XX/XXXX, we got approved on XX/XX/XXXX and complied with the 3 month trial payment starting on XX/XX/XXXX of the amount of {$2100.00} and so on follows the months of XX/XX/XXXX and XX/XX/XXXX. And after XX/XX/XXXX payment they declined us because of Deed was not on our names. But I spoke to a representative informing me that we still had until XX/XX/XXXX to transferred back the Deed back in to our names. But once M & T Bank received our last payment of XX/XX/XXXX modified payment which we mailed in our check before XX/XX/XXXX and thats when M & T Bank informed us that we were declined due to the deed not being in our names but again they never informed us that once XX/XX/XXXX payment was received by them that it was an automatic decline. At that point we had the deed transferred back into our names and were told that we had to start the loan modification process again. Now we were informed today on XX/XX/XXXX, that we were declined again now because they couldnt support the modification because of the lengthy time which had nothing to do with us. We had all the paperwork completed and turned in a timely manner.
Thank you, XXXX & XXXX XXXX
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| 03/27/2020 |
Yes |
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- Trouble during payment process
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Web |
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Good Afternoon, My mortgage was sold from XXXX to M & T Bank ( against my will ).
I understand that XXXX has the right to sell my mortgage to other companies, but I thought the new company was supposed to offer the same ( or similar ) servicing options.
M & T Bank has had multiple technical issues with their website almost immediately after the transfer. During the Covid-19 crisis, it's not allowing for payment forbearance or deferment. They do allow you to fill out a 5-page form requesting assistance ( which may or may not be given ).
Meanwhile, XXXX allows you to simply click on your financial account ( or mortgage ) and skip 3 monthly payments without impacting your credit or assigning late fees.
I believe this is against the current regulations regarding the sale of mortgages to other institutions ( or at least the spirit of the law ).
We didn't want our mortgage sold, and now it's been sold to an institution that is offering fewer services and options. This situation is magnified even more during a crisis where we all are struggling to stay healthy and acquire food. I believe this action is not only illegal, but at the very least uncompassionate and un-American.
Thanks for your time, XXXX
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| 01/12/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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This is a continuation on complaint XXXX, new issues have been found.
I thought the initial complaint regarding my VA loan assumption was resolved, however when I logged into the M & T online banking system to pay my mortgage for XXXX I was presented with the option of paying with the banking information of the couple who I assumed the loan from. I contacted the couple and informed them that their payment information was given to me with the option to pay one month, autopay, or apply extra payment to the principle. I have taken screenshot verifying this that are available on request. I contacted the couple and informed them as well as M & T. M & T has been informed multiple that they have a problem with their system confusing the old owners information with mine. We have had M & T send my personal information to their mailing address, pay their homeowners insurance and adjusting my payment to cover the cost, gave me the old homeowners insurance information and encouraged me to call XXXX and get a refund on their account. M & T has had multiple opportunities to review this situation, providing me the old homeowners payment information and the opportunity to drain the account is negligent at this point.
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| 04/20/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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Made a bank to bank transfer due to insufficient funds so that I would not be charged with an overdraft fee. I called to let them know the transfer wont make it on time and she said to call back once the transaction is listed in the history so that they can waive the fee. I call back once the transfer appears on the history and the representative on the phone say 's theres no way for me to have the overdraft fee waived. At this point I am not upset about the fee but at the fact that the XXXX representative told me specifically to wait until it shows up on my card history of the bank transfer so that they can waive the fee. At this point, me waiting for the fee to show up, had costed me an additional overdraft fee which Is now unnecessary additional money I had to pay out of my pocket. I am upset that each individual representative that i spoke to over the phone denies any liabilities when it comes to what they say. It is a reflection of a dishonest company where each representative does not want to take responsibility for what has been said. I will soon close my account with M & T bank soon due to their lack of diligence in this matter and their obvious greed to generate revenues from overdraft fees.
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| 12/02/2016 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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Today, XX/XX/2016. I visit the M and T bank in XXXX, XXXX MD often. There is only XXXX tellers working and sometimes XXXX which cause the. I went in there one time it was a teller working the drive thru and window. The line was extremely long today and there were only XXXX tellers working. XXXX teller was working the drive thru and the window. The lady behind the glass said it is the first of the month, that is more reason they should have more than XXXX teller at the window. I understand that it is the XXXX of the month, but I have gone to this bank at other times and it only XXXX teller working the window and the other at the window. It is frustrating and others complain as well. I am considering doing my banking at a different bank. This particular bank happens to be closer to my job. For better customer service it is worth it. I am writing for those XXXX people, and working people that my not have a choice but to use this bank. I hope something can be done soon. I hear this particular bank is always like this. I told the bank manager, I assume that 's who she was, that this is not right. Then she began waiting on customers. I hope this helps and hopefully M and T bank will employ more tellers.
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| 11/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I have requested the M & T Bank records for my 1999 original purchase Hudson City Savings Bank mortgage. M & T Bank acquired HCSB and should have the lien release records. I suspect that the " BOOKS HAVE BEEN COOKED '' and that the HCSB mortgage was not paid off because the mortgage was never issued from the beginning. After my offer was accepted in 1999 I tried to get an attorney to do the closing and the attorneys told me a variety of reason that the house could not be sold such as it was owned by the town, that the property was foreclosed on and that the house belongs to a pool of homes that can't be sold. I got a call back from attorney XXXX XXXX XXXX who said he could do the closing. The sellers signed under penalty of perjury that they were selling me XXXX XXXX XXXX and not the correct address of XXXX XXXX XXXX. The lot and block were changed before the sale. The sellers closed with power of attorney and the deed and the title insurance are no where near along with many other things that point to fraud.
THE COUNTY RECORDS ALSO SHOW THAT THE MORTGAGE WAS NEVER FILED. I AM REQUESTING M & T Bank to be honest with me and forward me any records that they have of XXXX XXXX XXXX XXXX, N.J. XXXX
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| 10/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was refinanced on XX/XX/XXXX from M & T Bank. Every year I would send my mortgage company my tax bill as instructed to be paid. I did not send them my bill as I knew I was going to pay off the mortgage. M & T ended up taking money out of my escrow to pay my taxes on XX/XX/XXXX {$5400.00} even though they knew they were going to get paid off. My new mortgage company paid the taxes on XX/XX/XXXX and my tax collected received the payment from M & T on XX/XX/XXXX and mailed the check back to the address from which it came. I was told by M & T that this was done by wire and that it had to be researched and that I would need to call back in 30 days! I told the agent the my tax collected received a CHECK and that it should be cancelled and a new one reissued to me ASAP and they said that is not how they do things. I called back on XX/XX/XXXX and was told to call back tomorrow as that would be 30 days ... .I called on XX/XX/XXXX and they said they received the CHECK back and that they will be reissuing the check and it could take another 2 weeks ( I still have my account with M & T ). I am very upset as they have been able to hold my funds for 60 days now with no recourse or plan of action.
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| 05/05/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American, Servicemember |
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I am the victim of fraud and the charges stem from XX/XX/XXXX through XX/XX/XXXX . I was in the hospital XXXX and now in XXXX XXXX . The fees were reversed then reinstated which has overdrawn my account. I am on a fixed income and I am unable to get any resolution. I am also unable to close the account due to the fact M & T Bank overdrew the account. They are charging monthly maintenance fees which is f urther overdrawing my account. Please see below I have called and sat on hold for over 30 m inutes on 3 sep arate occasions. I am a XXXX year old woman with XXXX XXXX XXXX with my most recent stay in the hospital for a over a month XX/XX/XXXX through XX/XX/XXXX . I can not handle the stress. I have moved from the hospital to XXXX XXXX . I faxed and mailed the dispute forms necessary to reopen my fraud case. My card # was stolen and used without my authorization. I have never done business with any of those merchants. You have removed my provisional credit and have overdrawn my account. I want all fees reversed. My next step is to file a complaint with the CFPB and the bank President if this is not resolved immediately. Sincerely, XXXX XXXX
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| 12/27/2017 |
Yes |
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- Trouble during payment process
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Web |
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On XXXX XXXX, XXXX my husband and I purchased a home together in XXXX XXXX PA. Our mortgage holder at that time was XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX The purchase amount of our home was {$220000.00}. On XXXX XXXX, XXXX, our mortgage was sold to M & T Bank.
M & T Bank XXXX XXXX XXXX XXXX, MD XXXX XXXX When our home was sold, we were notified via postal mail. However, since then, we have had numerous financial difficulties, have been entered into a loan modification program, and just recently while getting together all necessary paperwork, I have noticed that when M & T Bank took over our loan, they have instituted our loan for the maximum amount of {$220000.00}. Upon our ending and closure with XXXX XXXX, we owed {$220000.00}. We made 7 payments to them in the amount of {$1700.00}. These payments were not applied to our transfer to M & T Bank and I feel that this is wrong and not legal. I have contacted a legal representative and they also stated that I should contact you and seek assistance. I am seeking reimbursement for the 7 payments that were not applied to my account with M & T Bank. Should you have any questions please contact me. Thank you.
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| 02/17/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I have recently been approved for Mortgage Assistance payments though a State program, and the lender, M & T Bank is a participant of this program. In XXXX XXXX, the Mortgage Assistance Program paid for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX mortgage which caught up all that I had got behind in payments. The agreement made between the State Program and the Lender is to pay {$760.00} Mortgage Payments during the need of my assistance. I noticed that my XXXX XXXX and XXXX XXXX Mortgage Statement has XXXX Dollars ( {$70.00} ) Return Item/Other Fee ( XXXX ) listed where it was 'NOT LISTED ' BEFORE. This bank ( M & T ) is trying to sneak in fee XXXX s ) that is not warranted. I called M & T Bank on XXXX XXXX, XXXX regarding this charge of {$70.00} and was told it was a monthly inspection fee. There was no inspection ( s ) done - I have been unemployed since XXXX XXXX, XXXX and " NO ONE '' on behalf of M & T Bank came by to do a inspection. The next excuse was " someone could have rode by ''. Riding by is not an inspection to determine if the house is vacant or abandoned. This fee of {$70.00} " WAS '' added after the State Mortgage Assistance Program caught up my payments that I was behind.
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| 10/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Business name XXXX XXXX XXXX.
Ref : account XXXX to whom this may concern : I have an issue with M & T bank I financed a vehicle going back XX/XX/2013, I set up automatic payment An authorized the bank To withdraw from my bank account every single month The payment that is due for my finance the vehicle, in beginning of XXXX I inquired To take out a loan shockingly I see on my report That M & T bank is reporting me to the credit Bureau that I was late, I reached out to M & T bank For explanation And they respond to me That I did not pay the last Payment So I told them That I authorized M & T bank to take Out from my bank account Every single month for the monthly payments they did not withdraw the last payment And then they are blaming me for not making payment I need this derogatory items removed from my report as soon as possible. The reason I set up automatic payment So I shouldnt be in this position That I was late On a payment And here I am in the situation that I did not want to be Do the negligence Of M & T bank not reaching out to me And not withdrawing From my bank account which I authorize them In the beginning of my Finance Contract.
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| 06/13/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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On XX/XX/XXXX, I filed Complaint XXXX against XXXX, a law firm representing M & T Bank , the lender, on a ELOC that has existed for more than 20 years. By letter dated XX/XX/2022 M & T denied our request for a loan modification but offered a repayment plan that we must answer by XX/XX/2022 together with an initial payment ( Exhibit XXXX ).
On XXXX XXXX, we received a certified letter from XXXX, dated XX/XX/2022 that a foreclosure, at XXXX XXXX XXXX will take place on XX/XX/2022, despite the fact that we still had XXXX Week to respond to M & T 's offer ( Exhibit XXXX ). This law firm continues to harass us and act unethically. We are senior citizens and trying our best to resolve issues but letters from XXXX, foreclosure scammers and others " seeking to help us '' causes us XXXX and aggravation. In Exhibit XXXX M & T told us the amount of the repayment for the ELOC but did not say what the monthly, regular payment was. I called an M & T representative she did not know. This was followed by an M & T letter dated XX/XX/2022, and that they will get back to me with that figure ( Exhibit XXXX ). Thus I have a repayment offer without a key part in it and a foreclosure date that is illegal.
|
| 12/30/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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We have received multiple unlawful overdraft fees from M & T. We have set up automatic payments for our bills. However the amount does not come out of the account when it is suppose to. The amount is held and taken out of the account weeks after. The bank machine displays the incorrect balance. Causing the account to be overdrawn. As a result of the account being overdrawn the other bills which are suppose to get paid are rejected. The company without authorization tries to take the money from the account multiple times after rejection. As a result the bank charges XXXX for each time the company tries to get the funds after rejection. We were not notified about these fees. The account has been overdrawn multiple times due to the fact that the correct balances were not displayed at the ATM and online. We were told by M & T not to trust the ATM machine or Online balances when we complained. We are also being charged a service charge to our savings account if it is not over XXXX dollars. There was no notification of this matter. We were told that all checkings and savings accounts were free. As a result we have paid M & T bank thousands of dollars in unlawful overdraft and service fees.
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| 12/16/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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i APPLIED FOR A LOAN MODIFICATION WITH M AND T BANK AND WAS DENIED. I HAVE A XXXX XXXX WITH A RATE OF 6.0 % WHICH THEY REFUSE TO MODIFY BY REFINANCING. I HAVE MORE THAN 20 % REQUIRED FOR THE BANK TO REMOVE THE PMI WHICH WOULD LOWER MY MORTGAGE PAYMENT BY XXXX MONTHLY MAKING IT AFFORDABLE. HOWEVER THE BANK REFUSED TO REMOVE THE PMI UNLESS I CAN MAKE 12 TIMELY MONTHLY PAYMENTS. BANKS SHOULD NOT BE ABLE TO DETERMINE IF PMI GETS REMOVED OR NOT. PMI IS BASED ON THE AMOUNT OF EQUITY. I HAVE EXPERIENCED HARDSHIP AND ASKED FOR A LOAN MODIFICATION AND WAS REJECTED BECAUSE MY INCOME WAS LESS THAN THEY ALLOWED. I KNOW THAT THAT WAS WHY I WAS SEEKING A LOAN MODIFICATION. IF I HAD EXTRA INCOME I WOULD NOT BE BEHIND IN MY PAYMENTS AND SEEKING A LOAN MODIFICATION. REGARDLESS OF ALL I HAVE GONE THROUGH WITH THIS BANK FOR THE LAST 10.5 YEARS I HAVE PAID MY MORTGAGE. I WOULD LIKE THE PMI REMOVED IMMEDIATELY AND IT SHOULD BE AN AUTOMATIC PROCESS THAT WHEN A HOME HAS ACQUIRED THE NECESSARY AMOUNT 20 % THAT IT IS AUTOMATICALLY REMOVED.THERE HAS TO BE SOMETHING PUT IN PLACE TO PREVENT THESE BANKS FROM FORCING MORTGAGE OWNERS INTO FORECLOSURE WHEN THERE ARE MEASURES THAT CAN PREVENT THIS FROM HAPPENING.
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| 09/05/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
|
Beginning in XXXX of XXXX, the mortgage I had with XXXX XXXX XXXX was sold to a third party and maintained by M & T Bank. By XX/XX/XXXX, I began receiving calls from M & T Bank stating the mortgage account was past due. I explained to each representative which called, the account was not past due as all payments had been made. In XX/XX/XXXX, M & T Bank began refusing payments, stating the amount had changed ; which I had not been informed of. Then in XX/XX/XXXX, I received notice M & T Bank had begun foreclosure proceedings. At this time I began attempting to resolve the issue, with zero efficiency as no lawyer would consider taking the case. In XX/XX/XXXX, I attended the hearing as a last effort to stop the foreclosure proceedings, but was told by the judge the foreclosure was confirmed and the bank had only need to have the XXXX XXXX schedule and conclude a sale of the property. This occurred in XXXX of XXXX. During the course of the proceedings, I continued to get the information I needed from XXXX XXXX XXXX proving what I had informed M & T about from XXXX. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating they had made an error during the sale of the mortgage.
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| 05/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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My mortgage was bought by M & T Bank a few years ago. I had problems making payments for past few months. I reached out to M & T Bank. The options which they gave me only would cost me more money. In XXXX I applied for refinancing with another company. Every thing went well. On XXXX XXXX , M & T Bank advised new lender that payoff for mortgage was {$70000.00}. This payment was for money due M & T Bank from XXXX through XXXX .
On X/XX/17 a payment of {$1200.00} was cashed by M & T Bank. This payment was my late payment for month of XXXX XXXX . M & T Bank received two payments for the month of XXXX XXXX Both new lender and M & T told me that Payment of {$70000.00} was received by M & T Bank on XXXX XXXX
On XXXX I was informed by XXXX XXXX of M & T Bank that M & T Bank had received payment of {$70000.00}. I asked about the payment of {$1200.00}. She said that money had been sent to us.
I was not satisfied with previous information and I called again M & T Bank. The last call l made I spoke to XXXX . I asked him how to make a complaint. He took internal M & T Bank complaint. I called earlier this week and again was given the runaround.
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| 07/28/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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M & T Bank authorized without notification a fraudulent ach transfer from XXXX in the amount of {$26000.00}. It has been 84 days since I filed the police report and notified M & T Bank. M & T Bank informed me I was past the 60 day requirement to notify of fraudulent activity. I was at 68 days to report. Fraudulent charge was debited from checking account on XX/XX/XXXX, at the onset of the pandemic, followed by state-wide shutdowns. Focus was on my XXXX, not myself until later in the shut-downs when I wanted to invest more into my XXXX for XXXX XXXX, which is when I noticed the fraudulent charge. M & T claimed they would develop a conclusion between 45 - 60 days of reporting. They are no longer providing additional information as to the status of the claim. Contacted Attorney General, State reps, and personal attorney. Causing extreme mental and emotional anguish. Police contacted for a wellness check. M & T Bank claims they are unable to reach anyone at XXXX. XXXX claims M & T Bank has no record of contact. Faxed information to XXXX on XX/XX/20. Very possible I will be homeless. Loss of income for my XXXX. Mental anguish. No forbearance in reporting due to COVID-19 pandemic.
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| 11/29/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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|
Web |
Servicemember |
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I opened a HELOC and they have violated my consumer right by denying me access to use my account which is direct violation to the FDCPA who prohibits debt collectors from using unfair or deceptive practices. Which also state a company can not block your extended credit in an attempt to collect a debt while I continue to make payments.
I requested that they unlock my line of credit until they prove to me that I will not be able to pay future payments and they have yet to open my credit I have reached out to them multi times to request that they unlock my credit. I am asking that you help me in this matter. According to 15 USC 1681a ( I ) ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer ; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. Before selection of the consumer for the offer it was fully determined only the information on the credit application can be used to determine a firm offer of credit.
|
| 03/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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M & T bank is showing ( 30 ) days late on a payment that was attempted to be made on several occasions. Each time I spoke with a representative from the bank, they told me they were having computer issues and that they were not able to process the payment. The bank does not have an automated system and my wife always asks to speak to a representative to make a payment on the phone. However, during the 3 attempts to make a payment the bank told my wife their systems were down still. The woman representative my wife spoke with told her she didnt know when the system would be working but to have her call back. We finally got through to make a payment, but by the time we were able to get help from the representative, the payment reported late by this time. The woman representative was able to take the payment over the phone and she said she would make a note on the computer that this payment was in fact NOT late and that it would not go on our credit report because it was no fault of ours that the bank does not have an automated payment system and when we finally got to speak to a representative it was several days later. This incorrect reporting is harming my credit score.
|
| 09/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
|
I recently opened a checking account with M & T Bank online depositing {$25.00}. XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX eposited a loan amount of {$850.00} on XX/XX/2019.
M & T Bank stated that is a fraudulent Company and check and put a block to my online access to my checking account. They claim XXXX XXXX check will not clear.
HOWEVER : I repetitively tried to communicate with representatives of M & T Bank.
AND THEREAFTER : XXXX XXXX deposited {$900.00} today, XX/XX/2019 and M & T I have employment training to attend shortly and bills to pay. M & T stating my available balance is over {$1000.00} yet they in addition put a Hold on my account AND stated I will have to wait ONE to TWO weeks for their Investigator to call me. FRAUD!!!!!!!!!!!!
I have very important payments to make and begin my training & employment. This is IMPERATIVE that M & T allow me access to my monies. I had a previous account with M & T Bank, XXXX, NJ just a few months back and as I was forced to not continue work at the time, I had to close my account ; there was never any problem. Please assist.
Please press Complaint & Fraudulent Unlawful Withholding of Monies against M & T Bank.
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| 10/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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|
Web |
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I filed a complaint on account # XXXX XXXX XXXX XXXX XXXX with M & T bank with you the beginning of XXXX, XXXX. M & T replied concerning my wife 's HELOC account with M & T. This is part of the problem. This bank is unable to keep records straight. They do not know what they are doing. I have been paying {$300.00} a month for around XXXX years. I dealt with XXXX XXXX. My payments went to him at XXXX XXXX XXXX, XXXX, NY XXXX EVERY month for years. I received a letter from XXXX XXXX Attorneys concerning this account stating M & T has not received any payments since XXXXXXXX XXXX on my account. I never received any statements from M & T regarding this or that an attorney was involved. I found out XXXX XXXX is no longer with M & T. I was not notified about any of this until I was contacted by these attorneys. I received a letter from M & T on XXXX XXXX, XXXX stating my payoff was {$38000.00}. The letter dated XXXX XXXX, XXXX from the attorney States a payoff of {$40000.00}? How can that be? This is how M & T works. Something needs done. Now their response does n't even address my account!!! Since this is so dishonest please make sure M & T addresses the CORRECT account!!!!
|
| 07/17/2017 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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I submitted a qualified written request for review for a Deed in Lieu on XX/XX/XXXX . Today, I was told that I would not receive a qualified written response to my inquiry as required by RESPA. In speaking with HUD with regards to the liquidation of my property, I was informed that a standard Deed in Lieu of Foreclosure ( DIL ) was at the discretion of Lender. The Lender has out right refused my request for review, citing that there are credit requirements, however, when directed to HUD 's guidelines, the call center agents state that it is not for them to review. Each time I call in, I get a variation of knowledge and experience. Those who are in the know understand that a streamline DIL has a minimum FICO requirement, however, a standard DIL does not. I understand that my FICO is too high to qualify for a streamline, but would qualify for a DIL if the lender would be willing to move forward. As stated above HUD confirmed the information contained in 4000.1 Section III.A.2.l.iii. ( B ) ( 2 ) ( a ) - ( c ). I stated several times on my call that it was a RESPA violation to not respond to a written request in writing and was told " I 'm not in the legal department ''.
|
| 07/20/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This complaint is for Wilmington trust. It is so demanded that Wilmington trust for validation of debt and all commercial matters in accou d # XXXX in accordance to ( U.C.C. 3-402 ) ( b ) I need to see that generally accepted accounting principles ( GAAP ) is being followed. This company is stating that I borrowed cash from their organization.I must see the contract that allows this company to collect this alleged debt on the behalf of XXXX XXXX XXXX XXXX account but most importantly the booking entries with General Ledger. With this company refusing to release this information.The following account # XXXX must be validated this company is required under oath to show me validation for the debt by a certified public accountant ( CPA ), they have 10 days to give me the bookkeeping entries from a ( CPA ) Or this order will be in force and I will request that these book entries be seized under the 1917 trading with the enemy act. Requesting to see entries under UCC 3-302 adequate assurance of due performance.and requesting entries under UCC 2-609 for the sale and purchase. See the attachments as to company still not complying with my orders.Nothing is Certified by a CPA.
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| 12/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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On XX/XX/2022, I attempted to open an M & T Bank MyChoice Checking Premium Checking account online. I made it through the application and created a user ID & password, but was then told that the account could not be opened online and that I should visit a branch. I never did visit a branch and considered the matter closed. Then in XXXX, while visiting my parents for XXXX, they gave me a letter from a collection agency stating that M & T bank had, in fact, opened an account in XXXX, been charging me a monthly fee, and then turned the account to collections. In the initial application, I provided M & T bank with my XXXX XXXX box location in XXXX, XXXX For my physical address, I used my parent 's address since this is the address on my driver 's license. Any mail on this account should've been sent to the mailing address I included in the initial application, not the physical address I only visit a few times per year. This is a secondary point, though, since I was never properly informed that the account was, in fact, opened. I have yet to receive an email, call, or text from the bank concerning this. The only correspondence I ever received was to an incorrect address.
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| 03/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My account was reported 30 days late to the credit bureaus. The issue was that I never received the account statement. Previously my account payments were never late, I have maintained excellent payment and credit history. When I called to check my credit card, I found out that there was an outstanding balance, I went online to make the payment right away. This included the late fees imposed in the amounts of {$30.00} and {$15.00}, totaling {$45.00}. I paid the entire amount and called in to speak with customer service. They told me I don't owe anything, the account is paid in full but they can't help me correct the negative item on my credit reports with XXXX and other bureaus. I spent almost an hour, called three times and was told the same thing. I gave up and finally filed a dispute with XXXX about that negative item on my credit report. That has dropped 99 points from my credit score, which is hurting my credit history. This is not fair especially considering that I don't owe anything to the credit card company and had maintained an excellent record with them and other companies. They must inform the credit bureaus to delete the negative item right away.
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| 10/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On XX/XX/24 a check in the amount of {$1200.00} was debited from my joint M & T checking account incorrectly- M & T bank entered the wrong account number to draw the funds from by one digit- the check should have been debited from an entirely different account, owned by a different party, at an entirely different bank! I immediately called M & T who acknowledged the error, & said the funds would be put back into my account within XXXX hours. XXXX hours later- account still shows check being debited & available balance reflects loss. I called M & T again, & this time they told me it could take up to 3 business days, & were unable to provide me with any confirmation that the funds would in fact be put back into my account. Being the end of the month with my own bills due- and the large amount of the check- I'm very upset with the handling of this, I feel as if M & T Bank basically stole {$1200.00} from me. At the very least the bank should deposit funds in that amount to cover the wrongly cashed check. As of this writing the funds are still missing from my account, the check is showing as debited, & I do not know when, or for sure, the error will be corrected.
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| 08/25/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Older American |
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I entered in a loan modification from XXXX XXXX, with M & T Bank thru XXXX. This agreement stated the total monthly payment as of {$1900.00} ( XXXX, as principal and interest ) + Escrow ( XXXX for Hazard Insurance + Property taxes ). On XXXX/XXXX/XXXX they sent me account Projections and the projected monthly payment escrow would be {$560.00} from XXXX XXXX to XXXX XXXX. On XXXX/XXXX/XXXX they, sent me a new account projections showing that I have {$7200.00} of escrow shortage, thus the monthly payment increase in {$600.00}, it means 30 % increase payment shock. They still are sending mortgage statement requesting payment as of {$30000.00}. Even though, based on the Loan Modification Agreement the amount of {$1300.00} must be applied to Principal + Interest, the monthly statement they sent me did not apply any amount to the princiapal but to an " Unappplied Funds '' something called " Suspense Balance ''. My property taxes are paid in XXXX and the Insurance are disbursed on XXXX. The annual changes of the hazard insurance and property taxes + insurance are increased in less than 1 %, but the escrow amount, according to the mortgagee increased more than 30 %.
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| 05/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XXXX at the XXXX arrived in a world after XXXX Iam having trouble to paying a Mortgage because XXXX having A XXXX XXXXXXXX my doctor said the XXXX is very dangerous for me and only my husband working XXXX seeing in a news the government approve assistance for home owners with forbearance assistance XXXX call a M & T Bank and M & T bank said ok we are here to helping home owners sending a letters approved and told me Im have options to pay $ XXXX or {$600.00} dollars a monthly payment at the first month we dont paying nothing but a the next month we pay {$600.00} dollares every month XXXX call last year in XXXX to a M & T bank and XXXX ready to making modification and M & T and promise me we paying owed at the end the mortgage and promise me modification and now the M & T bank request the all money and trying to take my home because XXXX divorce and my ex husband give me his portion at the divorce because XXXX always taking responsibility for pay my house my ex husband apply at the court with me for a new deed he give his portion the house so now Im only in a deed in XXXX when my husband and me buying the house both of them deed but his only in a mortgage
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| 12/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
Older American |
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I had a Home Equity line of credit with my bank M & T XXXX XXXX XXXX MD XXXX I sold my condo and went to closing on XXXX/XXXX/21. I closed all my accounts with M & T bank because I moved to XXXX Va where there are no M & T banks. It is now XX/XX/XXXX a full month after the Line of credit was paid off and my accounts were closed, however M & T bank has not yet listed my line of credit account as closed. In addition the loan has a - {$610.00} balance they owe me at the same time they want me to pay them {$95.00} left due on my overdraft protection account. As the checking account is closed I have no way to pay this amount due online. I want these accounts closed and listed as paid in full. My credit score dropped 45 points in 1 day due to this mortgage loan on a home I sold at closing a month ago. I want the left over line of credit funds used to pay the overdraft protection amount due. As soon as possible as this continues to hurt my credit score. I have sent notarized letters requesting this resolution but it has been over 2 weeks since M & T acknowledged receiving notarized letter yet accounts still listed exactly as they have been incorrectly for weeks.
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| 05/01/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
Servicemember |
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I discovered a fraudulent transaction on my bank account. It was completed electronically through my bank without my knowledge. The company is XXXX XXXX XXXX XXXX. When I called their toll free number ( XXXX ), a service answers that does not identify the company but placed me on an extended hold.
I researched the toll free number and found this site https : XXXXXXXX XXXX At the time I looked, there were 21 reports of fraud by this company in the span of 13 days with at least three different banking institutions. It appears that they may have hacked or otherwise found a way to access accounts from M & T, XXXX, and XXXX XXXX XXXX at a minimum. The individuals who said they were able to speak to a person from the toll free number stated that that person could not identify the companies that charged the funds but that it was for random internet sites. All of the complaints had similar small amounts of funds taken without their knowledge.
NOTE : Step 4 of this process required that I name the company the complaint is about. This is not possible since the company is a FRAUD and is not listed in your system. Unfortunately, I had to enter the name of my bank.
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| 06/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I have mortgage with M & T Bank still with my name.
actually i had divorce XX/XX/XXXX by court order.
and gave to home to exwife by court order.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but exwife didn't refinance and used loan with my name.
also she made quick claim to XXXX XXXX XXXX on XX/XX/XXXX exwife name : XXXX XXXX she gambled and she sold XXXX XXXX to mrs XXXX XXXX XXXX on XX/XX/XXXX new buyer Mrs. XXXX never bring money on quick claim only.
home value around XXXX quick claim selling amount {$190000.00} loan balance around XXXX same as quick claim amount mrs XXXX made fraud property transaction Mrs XXXX has experience non profit service.
so she knows how can cheating and quick claim.
Mrs XXXX still use M & T Bank Loan with my name.
new loan # XXXX my old name is XXXX XXXX XXXX my new legal name is XXXX XXXX XXXX XXXX and i find out deed transfer to mrs XXXX and still use loan with my name.
i did complain to m & t Bank.
bank said can not remove my name on loan.
i believe fraud transaction that quick claim deed with another person loan.
please investigate this case.
mrs XXXX still owned social service for public.
XXXX XXXX at XXXX wa
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| 03/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been trying for over 2 weeks to pay down my mortgage to eliminate Private Mortgage Insurance. I have made dozens of calls to the servicer, M & T Bank, with varying degrees of difficulty and different information given that contradicts not only the mortgage documents that I signed at closing, but also the Homeowners Protection Act of 1998 as amended. I have explained EACH TIME that I sold my previous home and have plenty of cash to pay down the mortgage below 80 % LTV. The latest I received from M & T Bank is that the home would have to appraise for almost 25 % MORE than I purchased the home for 2 months ago. That is insane! And it is not in accordance with my loan documents or the Homeowners Protection Act of 1998. M & T Bank will not allow me to talk to via telephone anyone from the Mortgage Insurance " Department '' and can't provide any specific names to contact via any other means. They sent a letter stating that I could call the phone number on the letter, but the letter does NOT have a phone number on it. They clearly appear to be using my PMI as part of their profit center and NOT to protect the investment in the actual loan. Please help!
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| 11/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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While checking my credit card balance online, I noticed a {$14000.00} charge that I did not authorize or initiate on Saturday XXXX XXXX, XXXX. The charge was " pending '' and had been initiated on Friday XXXX XXXX, XXXX. Upon my discovery of the charge I immediately contacted the card issuer, M & T bank via e mail and followed up with a phone call. To date have been advised of their " investigation '' and that they are awaiting " release '' of funds. This fraudulent charge as well as a balance transfer fee have remained on the account. In my initial phone conversation with someone at M & T, someone had apparently contacted them ( M & T ) with sufficient personal information for them to do a balance transfer on Friday XXXX XXXX, XXXX.
M & T 's disclosure states that my liability is limited to {$50.00} if I were to be careless with the disclosure of my account number or card, which I have not been!!
To date I have not received any relief and have had several e mails stating that they are awaiting release of the funds in order to be credited back to my account. And thanking me for my " continued patience. '' A new card/account number has been issued.
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| 05/15/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I have a mortgage with M & T bank on my home that I have lived in since 2009. We received several marketing letters from M & T bank via XXXX regarding possibly refincing our loan to get a lower interest rate and payment. I called to inquire about this and was told by the loan officer I was working with that I should be able to refinance my loan and save at least XXXX per month depending on what our house appraised for. They took a payment from me of XXXX including XXXX for the appraisal and XXXX for an application fee. They hired an appraiser who came out and did an appraisal that their underwriter " rejected ''. I was never notified that the appraisal was rejected. XXXX said that she called my cell phone XXXX. that is not true there were NO missed calls for VM from her or anyone else that week. She also said that I was mailed a letter, I never received it. I asked about getting any of my money back and was told I could not. They ended up telling me they could not offer to refinance my property. I feel like they just stole XXXX from me by taking an application fee that they never intended to do anything with and XXXX for a worthless appraisal.
|
| 05/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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On Sunday, XXXX XXXX I set up a meeting to open a business banking account with an M & T banker named XXXX XXXX. The meeting was slotted for four days later on XXXX XXXX. When I and my pregnant wife arrived for our business appointment, we were told that XXXX was not in the office. Rather, he was at a training in a different state. At no point prior to this meeting had this banker communicated with us that he would be in a training and would not be able to assist us with the requested service, which M & T mandates be completed in a branch. A different branch employee offered to help, but M & Ts system would not allow him to work from the office in which he was located, so he had to take our information away on paper to open the account remotely.
Upon receipt of the electronic paperwork, we noticed multiple errors and responded asking for updated paperwork to complete. Our emails have not been responded to and we have since had to find a new banking partner, causing issues in establishing payroll services for employees of our mental health care business. We believe our business has been prejudiced against due to the nature of its operations.
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| 11/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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My m & t bank account has been blocked XX/XX/2022. I called to see why that day and was told because of a check deposit. I was told i could not access my account until those 5 days were up. I went into the bank that Saturday with my account number and state drivers license and was told by the teller they could not give me any information on my account because it was still locked. I called customer service to see why the lock was still on and was told the check came back unpaid I should be able to go inside the branch to speak to the manager and he can email the department handling my case so u can access my available funds. I did that but never received a call back. Today XXXXXXXX XXXX I tried to log on my online banking and its still blocked.i called the fraud department and asked her when the lock will be taken off so that I can have access to my available funds and she looked at notes and told me there hasn't been any updates that she can tell me and on my file but that I should be able to go into the branch and they can assist me. i told her I tried that twice and they can not help me. She said there's nothing else that she can tell me.
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| 05/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
|
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Began a mortgage refinance application around XX/XX/20. The application process was straightforward - but everything fell apart after that.
It was XXXX before I was anywhere near closing. I was transferred to several contractors inside of the company for information - none of them would request information/documents through a secure channel, they were requesting them through email. I had to continuously call the loan officer to get the items added to the secure system - I'm not sending a W2 and paycheck stubs through email ...
At this closing, no one from the bank was available, nor was anyone from the settlement company available ( phone or in person ). I was not informed of amount to close before hand - which had increased by {$500.00}. I was not provided closing documentation until I showed up, and even though I was signing at my local bank no one there could answer my questions, including the branch manager.
Once I attempted to refinance with my current mortgage holder, M & T cancelled the loan instead of attempting any negotiation or trying to help. My credit had been tied up for over 5 months, and they have done nothing to help.
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| 05/16/2023 |
Yes |
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- Trouble during payment process
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Web |
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I have subside mortgage with MandT bank so payment amounts change. I notified the bank that my payment amount changed and I had be making the new payment since XXXX of XXXX. The escrow analysis was done and there was a shortage. I opted to do the 12 month payment plan on top of my new payment amount. When I spoke to the analysis department I asked for the new paperwork /statements to reflect moving forward this call took place in XXXX ( XXXX ). XXXX I made an on time payment they held it, and put XXXX, XXXX, XXXX payments in suspension as well and made it look like I had not been paying my mortgage. The floodgates open from there they made excuses on top of excuses. According to their records now I was 78 behind in my mortgage payments. I have Statements reflecting this, recorded phone calls, video of a worker coming to my home placing a notice on my door telling me to contact the bank. After they cleared that mess up they continue to call my house and hold my payments every month daily asking for the mortgage payment when it's already been paid. It's a form continue harassment for a bill that's paid and someone that's not doing there job.
|
| 10/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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|
Web |
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I have been a long-time standing customer with M & T Bank and it wasn't until 2023 that I have faced immense financial hardship due to this financial institutions inability to protect my information and my funds. I have had several insufficient funds and related fees applied to my account without my knowledge and lack of posting to my mobile banking. I've continuously reached out to obtain relief and I only receive rude/short responses leaving me helpless and still without my money. I am in a constant negative because my request for overdraft protection never applied to my account. I even confided in a third-party debt consolidation company who equally withdrew more funds from my account and also advised I would not be getting those funds back ( which has since been resolved following submission of a previous complaint ). I am DROWNING here and am BEGGING for help. These financial institutions are killing me and my money is all going to fees and it's NOT RIGHT! I make good money and have been trying to get back on track after a ripple effect of non-stop loss of my hard-earned funds. I have a family- this is NOT ok. SOMEONE PLEASE HELP ME!
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| 12/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
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|
Web |
Older American |
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Back on XX/XX/2010 I deposited {$100000.00} into account # XXXX with XXXX XXXX XXXX on XX/XX/2010 I took a passbook loan against that account in the amount of {$30000.00} ( which they deposited {$40000.00} ) into Savings Account # XXXX. I never received a passbook for these funds. They Bank kept it as collateral. I never received any information with respect to the {$60000.00} that was left in account # XXXX, I thought all the money was kept in the same account. Over the years, XXXX XXXX merged into XXXX XXXX XXXXXXXX XXXX and then merged into M & T Bank. Recently I went to the bank with a question regarding my balance as it did not seem right and was working with them to try and find the {$60000.00}. I was told by a teller at the bank that on the same date as XX/XX/2010 there was an account opened for {$600.00} which I think was the {$60000.00} but was a typo on their part and that account was closed ( not by me ) I am now being told that I have to prove to the Bank that I did not take the money out- which I did not and therefore would have no proof of. I was told that their bank records go back 7 years and they have no record of this.
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| 05/18/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
XXXX XXXX and M & T Bank, in collaboration, has provided false inaccurate fraudulent mortgage accounts activities, under my identity that is unlawful and untrue.
These mortgage entities have claimed that the property located at XXXX XXXX XXXX in XXXX Texas XXXX, was used as collateral on the property located at XXXX XXXX XXXX in XXXX Texas XXXX.
This is incorrect and not true.
The property located at XXXX XXXX XXXX XXXX Texas XXXX, was purchased in XXXX and the loan servicer was XXXX XXXX
XXXX XXXX purchased the loan from XXXX XXXX on XX/XX/XXXX in XXXX of XXXX a loan was established under my identity in the amount of {$80000.00} under the XXXX XXXX XXXX services. The collateral property proclaimed to be on XXXX XXXX was used to secure a property in XXXX.
This is fraudulently without my knowledge or authorizing M & T. Bank claims entitlements that are inaccurate and not identifiable by the XXXX XXXX XXXX XXXX.
The property on XXXX XXXX was not used in XXXX to secure a loan in XXXX.
This is absurd and the original documents to the properties involved held by the veterans loan guarantee program do not reflect these allegations.
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| 12/27/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
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M & T BANK merged my XXXX account from a Peoples bank where I have been a good customer for 15 years with NO PROBLEMS. When the banks merged in XXXX and XXXX I paid the loan ON TIME and the payment got rejected by the M & T BANK computer system IN ERROR. On XX/XX/XXXX I spoke with XXXX XXXX who set up docusign debit form and told me I was all set- the monthly debits would be made automatically from my XXXX XXXX XXXX account. That never happened. I then called the XXXX bank line FIVE times on XX/XX/XXXX and got hung up by a woman named XXXX XXXX XXXX XXXX I asked for a supervisor. When I called back she said she was going to continue to hang up on me and sent my calls to non-working numbers inside the bank. She then reported my account as delinquent to retaliate against me for asking for a supervisor! I then drove over to the local branch in XXXX XXXX XXXX XXXX and made an in person payment to XXXX XXXX XXXX the assistant vice president. M & T BANK has done everything possible to XXXX up this account and blame the customer and RETALIATE by sending me notices of Default. I have NEVER missed a payment. M & T BANK is breaking the law.
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| 04/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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|
Hi, I signed up for an M & T My Choice Premium Checking account promotion for holding a {$100000.00} average statement balance in the months of XXXX and XXXX to receive {$350.00} on XX/XX/XXXX and have yet to receive the {$350.00}. I reached out two times and called the support line numerous times.
I finally got an answer from an agent that said that I was not eligible for the bonus because it was not transferrable, however, nowhere in the terms did it state that it was non-transferrable. Also, they claim that the promotion was expired, however, the promo expired on XX/XX/2022, per my record and I had applied ( and been approved ) on XX/XX/2022.
XXXX attachment on this file shows the " current offer '' which is to open by XX/XX/XXXX and maintain the balance in XXXX and XXXX for a payout on XX/XX/XXXX. My offer was open by end of XXXX, maintain in XXXX and XXXX, with a payout on XX/XX/XXXX.
The second attachment shows that I fulfilled the {$10000.00} balance prior to the end of XXXX. I can supply XXXX and XXXX statements of me maintaining the balance if necessary.
My account number : XXXX Name : XXXX XXXX XXXX, XXXX XXXX
|
| 01/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Home was originally purchased through the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) ( working through XXXX XXXX cell XXXX ) and I qualified for a XXXX Covid relief fund and was told to stop making my monthly payments until I was approved and they would reach out to the borrowers ( I have two mortages - Peoples United now M & T Bank and XXXX XXXX XXXX XXXX has tried reaching out to M & T Bank 3 times before they responded at all. They sent an incomplete response on XX/XX/XXXX and XXXX sent another request on XXXX and no response back. They repeatedly send a XXXX company out each month to see if I am still residing in the property and put an envelope on my door. I have called and complained each time. They know I am working through this process and can not make any payments or it defaults my grant through XXXX. They are harrassing me, but, in fact, it is their own fault that they haven't gotten paid yet as they are not sending back the required information that is needed for a payment to be issued. I am not being harrassed by XXXX ( second mortgage ). The total amount due as of XX/XX/XXXX was {$13000.00} for M & T Bank.
|
| 06/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
My company XXXX XXXX XXXX XXXX in XXXX, MD has a customer who banks with M & T Bank. We entered into a payment arrangement with the customer whereby she authorizes us to prepare a check from her account and deposit it to our account at XXXX XXXX. To be clear my complaint is not with XXXX XXXX but with M & T Bank.
We prepared the check for the month of XXXX as we always have with the proper account number. The check was returned by M & T bank to our account with XXXX XXXX with the notation that the Bank ( M & T ) was unable to locate the account. I contacted the customer and she assured me that the account number had not changed. We were charged {$12.00} by XXXX XXXX as a result of the negligence of M & T Bank. We then prepared a new check on the same account and the check was paid. M & T bank needs to reimburse my company the {$12.00}, I went to the local branch of M & T and they were of no help. I received a call from the manager today. XXXX XXXX. When I explained the situation to her. she said they would need to charge her customer for the negligence of the bank. I said that is not right. She proceeded to hang up on me.
|
| 11/27/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner.
XXXX XXXX
|
| 11/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner.
XXXX XXXX
|
| 10/18/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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This is related to a previous complaint that I filed, # XXXX. I received a response from M & T bank which did not address any of the concerns I raised or provide any information that I requested, which I have attached. M & T has informed me that I am required to comply with their policy compelling me to provided personal information, but yet refuses to provide me with that policy. I have expressed concerns about the security of any information I provide and if that information will be shared with external agencies. A representative of M & T has verbally told me that my information is for internal use only but will not but that assurance in writing. I have asked for specific law citations that require me to provide information, but M & T refuses to provide me any citations, but has continually provided me general references in response to my numerous inquiries. M & T has continually provided false and misleading information to me throughout this ordeal and has repeatedly threatened me with the closure of my accounts if I do not comply with a policy that they refuse to provide that is based on laws that they refuse to cite.
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| 06/22/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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I made a deposit of {$10000.00} on XXXX/XXXX/2016. The deposit was supposed to be for {$9500.00} but i accidentally added {$500.00}. The teller counted the cash while i watched. She came up with {$10000.00}. She counted the money again with the counting machine and came up with the exact same amount {$10000.00}. I knew I had added {$500.00} by mistake and went through with the deposit. No problem. I got my statement for XXXX and noticed a " correction to deposit '' for - {$520.00}. I contacted the bank manager. She talked to the teller and her excuse was that she remembered that she did n't count it properly while i was there but apparantly she came up with a different figure after hours. Called M & T corporate and was told they could n't do anything about it. I still have not got my money back. The teller thought she saw an opportunity to enrich herself at my expense. She is a THIEF and should be prosecuted! I have a bank deposit slip that was forged and signed by someone at the bank. I did not sign it! The bank is at XXXX XXXX XXXX. XXXX, Md. XXXX. Phone # XXXX. The managers name is XXXX?. The tellers name is XXXX XXXX.
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| 03/20/2017 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
Servicemember |
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I opened an account and everything was fine besides a discrepancy about fees that were assessed. that was corrected and now here we are yet again. Only this time, I deposited a check in light of it clearing there was fraud on that account and I had to close. As a result I went to a ATM and deposited more then enough to cover as a supplement so to speak, since when I called customer service they advised me there was nothing that they could do since it was done via mobile. Now here we are and they are keeping the money that I had in the account and charging fees that I would not have if I were to have the debit card to make transactions. This is very draining having being a new member and being as up front as possible. They locked all access and told me that the debit card is no good. All of this was done with no written communication. If I did not visit and ATM for it not to take my money. I would never know the problem when actually I still do not know the issue since I tried to clarify fix the problem. I could not help my stuff stolen and the only option was to close the account. In addition is was a first time offense.
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| 06/02/2020 |
Yes |
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- Trouble during payment process
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Web |
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My mortgage was sold to M & T bank in XXXX or XX/XX/XXXX. My regular monthly payment at the time was {$510.00}, then they did an analysis on my escrow account in XXXX because I had gotten homeowners insurance and I knew it would go up of course, and it did, to {$580.00}, I always pay online and that's what I have been paying since that's what it says is due. Today XX/XX/XXXX I went online to pay and my amount due was {$710.00}! So I immediately called and they couldn't give me an answer, said they had done an analysis in XXXX and unless they have made a mistake somewhere that will be my regular payment.
I have the document that stated that after the analysis they did in XXXX that from then on out there would be an annual one done every XXXX.
Also there is something on my paper bills added to my regular payments {$110.00} listed as Recoverable Corporate Advance? That is never on my bill when I pay online, I am current on mortgage, please help, I do not believe that my house payment has jumped {$130.00} and the {$110.00} recoverable corporate advance since they did the analysis in XX/XX/XXXX.
Thank you, XXXX XXXX XXXX
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| 05/12/2021 |
Yes |
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Web |
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I sold my house and my mortgage was closed on XX/XX/2020. My mortgage was with M & T bank. They were not who I initial took my mortgage out with. They have been problematic to deal with since they became the servicer.
I did not receive the mortgage tax statement for 2020 showing how much I paid in interest and taxes for the 2020 tax year. I realized this when I went to do my taxes with the collected documents. Normally these form are easy to retrieve on company websites Previously when my mortgage was serviced by XXXX XXXX, I could alway get them online ( but never failed to receive a paper statement ), however, M & T bank closed my account so I can't log in to their website and get the document. I get an error message when I try to log in.
I tried calling the bank on Saturday when I was doing my taxes, but was told that the online department couldn't help me. I called back today and have been on hold waiting for over 20 minutes now. It's a silent hold. I'm not optimistic I will be able to get through at all.
It feel like since I am no longer a customer they have no interest in helping me get the matter resolved.
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| 10/17/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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- Confusing or missing disclosures
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Web |
Older American |
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Hello, My name is XXXX XXXX XXXX. I worked my whole life, plus took care of a sick mother and husband. I retired with over XXXX XXXX of dollars. I will admit I didn't know what to do with all this money. I never had any real money. Now I went to people 's United Bank which is M & T Bank now. I was dealing with a XXXX XXXX out of XXXX.
I first went to people 's Bank on XXXX XXXX in XXXX, Ct. Like a fool I believed this lady who was later let go and told me I had so much money in a saving. Not true it went into a an account annuity? Which I fought and finally XXXX got my money back. Now this is the problem. I received a statement in XXXX showing I had a value of XXXX, I would like to send you a copy. I called the bank and they said I had no money. I said o.k. then send me back that statement showing XXXX in my account. They had my account no. Instead I got a letter from XXXX XXXX saying I had no money and he couldn't reverse that statement. I feel it's my money and they invested it?? Who can help Me? I'm at ( XXXX ) XXXX or XXXX XXXX. This bank gave me trouble from the very beginning so I don't trust anything they say.
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| 01/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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My mortgage was transferred to M & T Bank on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to M & T Bank, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with M & T bank XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my M & T representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.
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| 06/24/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Company closed your account
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Web |
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XX/XX/2022 - I received a call from an associate claiming to need verification of information in order for my accounts to remain active. I advised that had already been completed these steps. The associate was nonchalant with regards to continuing the call inspite of the threat to terminate my accounts, and without any confirmation of previous step completion. When asked why I was contacted and advised my accounts would be closed, I was told " that's the facts ''. I then asked to speak with a supervisor and was transferred to " XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
She then advised she could remove the flags, again without confirmation that the steps were completed, and no reasoning on repeated calls. When I requested to speak with someone in a higher position, she refused and said she couldn't transfer the call. I asked to speak directly with her supervisor and that request was met with lies and deceit. These actions make me question the integrity of the company, and the adherence to regulations in place. XXXX requires that a supervisor be available, or an option to leave information for a callback promptly.
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| 09/13/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have 2 complaints about M & T.
1 ) questionable tactics to takes someone's home and foreclosure.
2 ) having a loan modification process that gives the consumer only 18 days to provide dozens of documents. Some like taxes, have to be ordered. When the customer can not get the long list of documents in the 18 days. M & T cancels the customers application and deletes their account. they are just mean..
I am the most disappointed i have ever been with a company and can not believe they can do business like this and get away with it. Quick summary is the bank refused, yes refused to take my payments and started sending me foreclosure notices.
Thanks. Just a couple more fact 1 ) fact 1 my payment suddenly went up {$1200.00} in XX/XX/2019 because M & T did a escrow adjustment, i had no idea, that was going to last 2 years.
2 ) fact 2 i became behind for XX/XX/XXXX ) fact 3 i offered to pay {$3900.00} in XX/XX/XXXX which is a full payment and they refused. They refused my payment.They then proceed with letters from lawyers to my house threatening foreclose. The only way i can describe what they did is the word evil.
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| 10/22/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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On XX/XX/2021 I was asked to send money back to someone after they issued me a bad check. The check had already cleared my savings account, and I had no way of knowing that the check was going to be dishonored by the bank, it was a cashier 's check and I have a copy of it. Not only was it a bad check, it was counterfeit and the person who sent it was not the same person demanding it back and making death threats to me and my family. I was pressured into forcing money out of my bank account with the belief that if I didn't do something fast they might hurt me or my children. Then, when I tried to cancel the transaction I couldn't cancel it, and the bank manager couldn't reverse the transaction either. I lost {$1200.00} because of the abuse. Before the transaction took place, there was also a home break in where things were taken from the home, and my email was compromised, so was my home computer. I was told that the bank actually does have the ability to reverse the transaction, however they did not act. The online transfer was done using XXXX, and they were in the amounts of {$500.00} and {$700.00} on XX/XX/2021.
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| 06/09/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I opened a checking account with M & T Bank and have been unable to obtain an online account. I was not supplied the proper information in order to open my online account and I called twice and no one know how to direct my call or rectify the situation.
I have since tried to close my account and have called 3x and was told I need to get the balance to zero. Once I was able to get the account to zero, they said the charges are pending and now there will be a service fee while I wait for my account to get to zero. I am being charged for an account I have not had full access to or been able to use. Customer service has not been able to help me. I would not have incurred these fees had the account opening been properly managed and there had not been unreasonable requirements to close it. I do not know how many fees I paid since I do not have access to my account.
I would like my checking account closed immediately and all funds reimbursed via check for all fees paid to date. I do not believe I should have to pay an account closure fee or future fees because the account was never fully opened and functional for me.
|
| 01/03/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
Made several attempts to pay mortgage via phone payment using my checking and routing information. M & T representatives recorded and processed the information. I received no information about a payment not going through. I checked with by other bank to be sure the payment was withdrawn and it was not. I again made the same attempt with the same results. I was on hold with customer service to try and resolve the issue for approx 1 hr before terminating the call. I spoke with customer service later on and the only thing they were concerned with was if the residence was occupied or not. I have been victimized repeatedly by m & t in the past and charged over XXXX in fees because they do not post deposits and debits in a timely manner. In addition they want me to pay late fees and I assume will report to credit agencies for being delinquent on a mortgage that they would n't accept payment for. I spoke with my current bank and confirmed all the checking and routing information was correct for which it was. M & T is claiming I Gave them invalid account information. The emails I received from them contradict that claim.
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| 12/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
|
M & T Bank - XXXX Funds Frozen On XX/XX/2023 the day that I receive my XXXX check as I am a XXXX XXXX XXXXXXXX XXXX XXXX all of my accounts were frozen under suspicion of fraud. I went to the local branch to verify my identity and confirm there was no fraud activity on my account.
My wife deposited a XXXX car insurance check for {$3400.00} as our parked car was hit and the second action was my wife sent me a XXXX for {$1300.00} dollars.
My mortgage was declined due to my accounts being frozen. I requested to please at least give me access to my XXXX check for my mortgage as I am on a repayment plan and if payments are not meant on the schedule provided I will face immediate forclosure. They have denied this request as of XX/XX/2023. Even though I have given all documents to show and dispell any fraudulent activities, they are holding my XXXX check XXXX and forcing me into foreclosure if this isn't rectified immediately.
I explained that XXXX months of my XXXX payments are off limits. ( Look Back Period ) At this time I feel I am being targeted and discriminated against because I am a minority XXXX veteran.
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| 06/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
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M & T Bank has repeatedly refused to modernize their online banking security. This leaves their consumer vulnerable to breaches that could occur even if the customer themselves is very careful with their security. In particular their site violates the latest FFIEC Guidance on cybersecurity found here : XXXX.pdf In particular, as laid out in the Information Security Booklet the FFIEC provides XXXX They are in violation of procedure # XXXX on page XXXX : Confidentiality of passwords and shared secrets ( whether only known to the employee/customer ).
The shared secrets they use are commonly found on social media sites, these questions ( mother 's maiden name, city of birth, school mascot etc, ) are widely known.
M & T Bank also violates procedure # XXXX Determine whether all authenticators ( e.g., passwords, shared secrets ) are protected while in storage and during transmission to prevent disclosure.
M & T Bank allows internet browsers to store password and user information, and does not have password entry on a separate page. They do not offer XXXX factor authentication, nor do they have image verification.
|
| 09/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
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In XXXX, 2015 while at work, I received emails and phone call from M & TBank stating there was suspicious activity on my account. When talking to the young lady from the bank she said a purchase was being made at XXXX in my area for {$400.00}, I said I am at work and I initially thought one of my clients stole my card from me. I immediately left work to try to get to the bank before closing, and I found that my debit card was actually in my car arm rest where I left it a few days prior. I asked the bank officer how could someone make purchases with my card when it was in my car. He said that people are able to steal your identity and scan your card to make duplicate cards. Because of fear of more frauduelnt activity, I looked at all of my credit cards and bank statements and found that no other activity was observed. I also filed a police report. The money was credited to my accoung within 10 business days, however as of XXXX XXXX, 2015 the money has been taken from me again and now there is overdraft fees accruing on the account. I have talked to several representatives and no one has offered any real resolve.
|
| 11/13/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
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The beginning of this year started off bad for my family and I. I called M & T Bank looking for some type of assistance, which I feel that I was not successful in receiving and was lied to which resulted in additional months going by. M & T Bank will not accept any funds from me unless it is the full 8 months past due. I was told to apply for a loan modification even thought I told the representatives that I had received a modification within the last 24 months and I don't qualify for another one. I was told I would be fine and there are other options to help me catch up forbearance, repayment plan, etc all of which I was denied. When I first started asking for assistance i was around 5-6 months delinquent now I am 8 months delinquent. I have 6 of the 8 payments that are past due, but M & T is refusing to accept and payments or work with me at all. I had a representative by the name of XXXX or XXXX both verbally tell me and notate my account that I can make the 6 payments and when I called back to do that I was denied. I don't know why there is so much misinformation and incomplete answers from this company.
|
| 05/13/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
On XXXX/XXXX/2016 my elderly mother XXXX XXXX XXXX sold her home. I am her son and Power of Attorney XXXX XXXX. As part of the process we needed to close out her Home Equity Line of Credit with " M and T '' Bank ( Line of Credit Account Number XXXX ). After much difficulty we finally got a letter from M & T with instructions to pay {$33.00} as the discharge and satisfaction fee. We paid this amount immediately, and it posted to her account on XXXX/XXXX/16. I then made several attempts to have the account closed to no avail. Finally a branch person, contacted the Home Equity division at my request and she assured me that the loan would be closed. I waited 2 weeks and still the loan was not closed. I again contacted my branch person and she checked again with the Home Equity division and discovered they had taken no action. Finally on XXXX/XXXX/16 my branch person emailed me saying the loan was closed, but still there has been no recording of the loan closing made with XXXX XXXX. We paid the {$33.00} discharge fee and expect that the closed loan would be recorded with XXXX XXXX. Please help make this happen.
|
| 06/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
This all started with a new car loan this XXXX. After obtaining the loan I requested a copy of the credit report used by the lender. When I received the report and reviewed it, I found errors reported by XXXX XXXX XXXX XXXX ( M & T Bank loan XXXX. ) Specifically, the date of last payment and the date account closed is wrong ( should have closed XXXX ), and the detail seems to suggest that the loan was 120 days or more past due. I complained to XXXX three times. On the third time, they sent the complaint to M & T Bank. None of the items were corrected and they added a new delinquency for 180 days or more late. Attached are the latest results from the dispute as provided from XXXX and a letter from M & T bank proving that I paid the loan off in XXXX XXXX. The loan originated in XXXX XXXX, so there is no possible way this loan was open on XXXX and no possible way this loan was ever 120 days or more past due. During this process I spoke, via phone, directly with M & T Bank. The person I spoke to told me the loan was not properly closed when I made the XXXX payment. This error has to be corrected. Thank you.
|
| 05/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
Back in XX/XX/2022 I had my car broken into in front of my home. I had a check from my business to myself that was already cashed, in my car. The thief stole my check and created a fake check which he then cashed at a XXXX XXXX XXXX. I tried called my bank, M & T bank, as well as the bank that cashed the check, XXXX XXXX XXXX, and I was told 1 ) to call the other bank ( they kept sending me back and forth ), and then finally 2 ) my M & T Bank representative said that she can not do anything since there are no laws to protect business check fraud, and they can not force XXXX XXXX XXXX to give the {$2000.00} back to M & T so they can give it back to me, so I have not been able to receive my money since XX/XX/2022. I was told to call my congressman for help but never told about CFPB until I read about it in a newspaper, and now I am filing this complaint. It seems that the banks are not willing to do anything about this because its a business checking account and there are no laws to ensure they will get their money back so they don't want to give me my money back, even though the check was an obvious fake.
|
| 01/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
In XXXX of XXXX our business discovered that we had been charged {$200.00} for XXXX XXXX XXXX. After looking into this, we have been paying a merchant processing fee to this company since XXXX of XXXX. We have a XXXX store and have used square credit card processing since the first day. We have never received a processing terminal from them nor used their services. After calling and spending many many hours on the phone we have heard varying things from Peoples United Billing Services. One representative has stated that clearly this account was supposed to have been closed in XXXX of XXXX and we should receive a full refund as we have never used any of their services. They are alleging we signed some sort of contract which they are unable to provide. M & T Bank has now acquired Peoples United Bank and they are telling us that " fraud reporting '' can only go back 90 days. The total is {$2900.00} They are refusing to provide a contract because there never WAS a contract and this is fraudulent activity. We have little recourse because the company that is dealing with this issue OWNS the processing company
|
| 12/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
My brother died on XX/XX/2023, leaving a checking and savings account open with M & T bank in XXXX, PA, in the amount of {$1500.00}. I contacted the branch XXXX and was instructed on what were the necessary items to be provided in order to receive this money. My brother had no wife, no children, and both parents are deceased, so I am his next-of-kin. I provided a certified death certificate, a copy of the paid-in-full funeral home invoice for cremation and graveside services, and a letter of intent stating my reason for claiming my brother 's funds with my notarized signature. I can't remember the exact date that I called M & T Bank, but it was some time in the middle of XX/XX/2023. The last correspondence I received was a piece of paper requesting a notarized signature along with boxes to check stating various facts, but I disagreed with XXXX of them, so I called the branch XXXX many times to tell her this, and she refused to answer my phone calls or return my calls. Specifically, I did not want to check the box which said that I acknowledge receipt of {$1500.00} because I have not received any money.
|
| 12/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I sent a complaint to M & T Bank and they did not respond to my question instead M & T Bank replied with useless documentation. I am requesting that M & T Bank : 1 ) Show me a financial transaction record of monies received from XXXX XXXX to pay-off my Hudson City Savings Bank mortgage XXXX. I need to verify if the amount that they received from XXXX XXXX to pay-off my mortgage.
2 ) Confirm that HCSB has no record of receiving any money from XXXX XXXX.
XXXX XXXX NOTE is contingent on my receipt of a {$130000.00} loan from XXXX XXXX. If HCSB has no record of receiving the money than please let me know because according to the NOTE XXXX XXXX prepared HCSB was not the intended payee. XXXX XXXX claims that the contract is bound because the document is initialed. All I can say is that I would never initial the NOTE unless I received the check from XXXX XXXX. XXXX XXXX has no proof of paying anyone and there is no record of the mortgage being satisfied, no release of lien and no discharge of mortgage. In addition the XXXX XXXX insurance legal description is not any where near the deed location.
|
| 07/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was approved for a loan modification, however the figures used were incorrect. I asked the bank to please relook at the figures before I committed to a loan modification. Bank states this is what they have on the financials for me Gross pay {$14000.00} Net {$10000.00} {$6800.00} - Extra income to work with each month. ( Wrong ) My actual income gross monthly is this : XXXX {$5800.00} Gross XXXX {$3000.00} Gross I was told by the bank that the foreclosure sale on XXXX.17 would be postponed while this was appealed.However the court docket shows as follows : Sheriff # : XXXX-XXXX Court Case # : XXXX Sales Date : X/X/2017 Plaintiff : M & T BANK Defendant : XXXX XXXX. XXXX, XXXX AKA XXXX XXXX XXXX XXXX , AKA XXXX XXXX XXXX, XXXX, ET AL Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX Approx. Upset* : {$240000.00} Attorney : XXXX XXXX XXXX, XXXX Attorney Phone : XXXX Status History Status Date Amount Name Scheduled X/X/2017 {$0.00} Plaintiff Buy Back X/X/2017 {$100.00} M & T BANK When I call the bank they state the home did not go to sale but will not instruct XXXX XXXX to correct the recording with the courts.
|
| 01/12/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Servicemember |
|
just got off the phone with a representative named, XXXX. I explained that I received a fee and that it was unfair that I got such fee having requested for overdraft protection and that since my account was new if she would be willing to check into it and possibly refund me over the phone without having inconvenience to go in the branch. I ca n't just take off from work when I please for personal business. Nonetheless, she said that she would try and link the account but, turns out she could not since the account was so new. This is really a shock to me and I do not have money to give away. The money was there and I do not have a debit card yet, as it was promised 3-5 business days. I have never experienced such poor customer service for a mistake that was clearly not mine. I am sure policy does not require such treatment be this was as well. EFT was only used because I did not have a temporary card of some sort to use to have come out right away. Lastly the check was written in hopes of overdraft taking affect and now they want to keep my money, where there was no intentional wrong doing on my behalf.
|
| 05/17/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Hi, the issue is M & T Bank and XXXX XXXX XXXX XXXX is charging us {$1.00}, XXXX for escrow for taxes and insurance. We don't have to pay property taxes on this property and we have paid out of pocket for home owners insurance. They are making us pay for there insurance. Stating that hazard insurance was a requirement for approval of the loan.
M & T Bank, bought our loan from XXXX XXXX XXXX XXXX, We tried to fix this mater with them but we found out the the loan was sold to M & T Bank, We called M & T Bank last month to fix the problem before the first payment was due, we found out that the problem was not fixed when we had non-sufficient Funds notice from M & T Bank. I called M & T Bank again to explain the issue with the escrow part of the loan which they said that we had to pay for THERE insurance even when I told them that we have insurance. M & T Bank will not remove the additional XXXX, XXXX payment from our mortgage loan. I then called the VA and asked if this is a requirement and she said no. We can't continue to pay the additional amount? ( Note we do have to pay for garbage ) Can you help
|
| 07/26/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
The Amortization Chart is not matching the Balance on my Mortgage statement. I called on XX/XX/2019 and tried to explain to M & T Bank that there was a problem and they said that they would look into it and call me back on XX/XX/2019. We called M & T Bank back on XX/XX/2019 and XXXX from M & T Bank said that the investigation was still open sorry that they didn't call. then XXXX told us to call back on XX/XX/2019. I received my loan payment for XX/XX/2019 and the Amortization was still off and it increased. On the loan payment for XX/XX/2019 there was a {$20.00} deferens in the Amortization and the Principal amount. Then when I got my XX/XX/2019 loan payment the deferens went up to {$20.00} it went up {$0.00} cent it keeps going up. I called back on XX/XX/2019 and XXXX from M & T Bank said that they have opened an new investigation and they have 15 days before they have to give us and answer on the first complaint back on XX/XX/2019 and they do not have to give us and answer until the 15 days are up. I am asking for help please this amount keeps going up and I can not get any answers from M & T Bank.
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| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened.
My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is reporting M & T bank on my report. Also, they have failed to provide my accurate and Only information on my report. again my only name is the showed above and i have provided legal documents showing my one and only name along with my one and only address. they have 3 different names on my report and neither names match the name provided my M & T bank.
All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.
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| 11/11/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Older American |
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M & T Bank holds the mortgage to my condo and I was in court proceedings for foreclosure with M & T Banks attorney 's I applied to XXXX XXXX XXXX XXXX XXXX to help reinstate my mortgage.
My mortgage is with XXXX XXXX XXXX XXXX Agency ( XXXX ) XXXX at that time ( XX/XX/2022 ) requested the most current mortgage statement, and they then reached out to M & T Banks attorney 's that are assigned foreclosure case.
The my mortgage statement was reviewed by both parties and negotiated the amount that would be accepted by M & T Banks attorney 's to reinstate my mortgage and bring it out of foreclosure.
I then received an email in XX/XX/2022 for XXXX a promissory note and singed stated that the funds/amount would reinstate my mortgage with M & T Bank XXXX
After M & T Bank received the funds from XXXX they then told my that my mortgage payments were brought current and that I still owed additional {$9800.00} plus to them.
Bait and switch- this is not what the agreement stated when I signed it.
If someone could please help me with this matter I would very much appreciate it.
Sincerely, XXXX XXXX
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| 05/23/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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On XX/XX/2020, opened a new checking account in branch location in XXXX, Washington, DC. At time of account opening, a promotional offer was presented to banker who confirmed the account and promotion were successfully opened and applied. Upon gaining access to my online banking on XX/XX/2020, I noticed that the checking account type was not the requested type of account that was asked to be open because the promotional offer only applied to certain account types. Upon realization, I contacted the branch and requested to speak with the banker who opened the account. She was not available, but I left name and call back number. After one week, I had not received a call back so I sent secure message to the general customer service and advised of the aforementioned. Couple days later, I received a response that said the account opening bonus was denied because it is not transferable. I followed up and provided the terms of the offer, which does not speak, in any way shape or form, to the offer being non-transferable. Moreover, it is a publicly available offer posted prominently on the bank 's website.
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| 09/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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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
|
| 02/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
Simple. GUESSING IS NOT A VERIFIABLE DOCUMENT. The company consistently year after year makes what they call an " GUESSTIMATE '' on possible next year County property taxes without receiving verification from local municipality. The company increased my mortgage payment on a " guess '' and forced payment without receiving local official documents showing actual property taxes. I was charged an additional XXXX dollar 's per month on XX/XX/2021 and XX/XX/2021. After only threatening the mortgage holder M @ T Bank to take it to the AG, I received an update that they somehow found the correct info. BUT never returned the over charging. THIS IS AN OVER-LOOKED INDUSTRY ACCEPTABLE PRACTICE THAT IS COSTLY AND NOTABLE SCHEME WORTHY.. Increasing a mortgage payment on an estimate without receiving official state and municipality records gives the bank a loophole to always get customers to pay money to banks in a short term scheme that is excused EVERY year as " ... sorry we found it ... '' Why hasn't regulators caught this.. My complaint is M @ T Bank uses the `` sorry '' theme and didn't return my money.
|
| 07/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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M & T Bank has refused to address our issues. M & T Bank has refused to provide a Power of Attorney for XXXX to act on their behalf, as required in our XXXX office. XXXX is either M & T Bank 's agent or not. M & T Bank refuses to state as to whether or not XXXX is acting on their behalf. This is despite an assignment and discharge recorded in XXXX XXXX -- 14 years after our payoff - by XXXX, on behalf of M & T Bank, without the required valid and legal Power of Attorney ever being recorded in our XXXX. We demand that M & T Bank simply answer our question, provide a valid Power of Attorney recorded in our XXXX -- or say that M & T Bank can not provide a Power of Attorney. This request is simple, and M & T Bank has failed to respond - multiple times. It has also been requested that M & T Bank explain the discrepancy in " loan '' account numbers. We request that M & T Bank immediately respond to our request. M & T Bank 's response is for us to hire an attorney. We should not have to hire an attorney until M & T Bank properly responds to our requests through the CFPB.
Thank you, XXXX and XXXX XXXX
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| 01/05/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
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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
|
| 01/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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My name is XXXX XXXX. I am a victim of a scam through social media. The person was posing as a family member and wanted me to go into an investment with a company with a man named XXXX ( his XXXX name is XXXX ; his number is XXXX ) .He then scammed me into investing in BitCoin . This was my first time ever investing in a company this big. Bad checks were directly deposited into my bank account, which resulted in a {$10000.00} overdraft. I have met with the bank officials and have talked to the police about this and the police opened an investigation. The bank officials told me that I could be held responsible because I gave out my information. The bank required me to pay the {$10000.00} in full, which I am financially unable to do. Therefore, they closed my account and the amount went to collection. The police opened an investigation, but they told me that they are at a dead end on the case and there are no clear or defined suspects to charge. I provided all of my documents to the bank officials and to the police and I am willing to provide them to whoever is able to help me with this matter.
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| 05/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I sent check # XXXX to pay my XX/XX/XXXX mortgage payment to M+T Bank for acct # XXXX.
On XX/XX/XXXX I reviewed the M+T Bank website to find they had not processed my payment and were charging an additional {$48.00} late fee!!
I sent a message in their website that day asking why they had not processed my payment and to rectify their error. As of XX/XX/XXXX I received no response!
There have been several times they sent me a bill for 2 months payments plus late fee in error, followed by a corrected bill for the upcoming month without late fees. Therefore I do not trust their payment processing which prompted me to check the website on XX/XX/XXXX. I am always timely with payments and have a good credit rating.
In fear of them damaging my credit rating, I repaid the XXXX payment plus the bogus late fee on line on XX/XX/XXXX when I saw they did not respond to me. I then had to pay a fee to my bank to cancel my check # XXXX that I sent to them on XX/XX/XXXX.
Their ongoing issues appear to be a scam to force customers to give them bank account access for automatic withdrawals.
|
| 08/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
i opened bank account with M & T bank on XXXX of 2022, nad the when i signed up the bank told me they going to add my credit card to my online bank portal so i can control my account payments online, and since then i was able to take care of the payments online however when i signed in to my on-line portal on end of XXXX to do a payment i couldn't see my credit card on the online portal, and when M & T send the paper statement to my house it was already late for payment, i went to the local bank on XXXX XXXX XXXX, XXXX, NY i spoke to XXXX about the issue, he agreed to me that they're having issues with the postal service that sometimes mail arrives late, i called the bank on XX/XX/XXXX to complain about the late payment appearing on my credit report which is an effect of the online technical issue of not showing my credit card she connect me to the online dep. and they agreed that they're not sure why it happened and since this a bank system issue its not my fault of paying it late, and they can not report late on the report, but he is not sure how to fix this error on my credit report ....
|
| 06/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
My identity was stolen in XX/XX/XXXX. I recieved an email from M & T bank about a new account being opened. I called them to have the account closed on XX/XX/XXXX. They told me the account would be closed. I recieved an email from them again on XX/XX/XXXX. I called them again to close the account they told me I called them and asked them to reopen the account. I told them I did not and that it was a fraudulent account and I want the account closed. On XX/XX/XXXX I received a statement email from them I called back to demand the account be closed. They told me the account would be closed. On XX/XX/XXXX I received another statement email from them. I called to have the account closed again. They told me it would be closed by end of business that day. On XXXX I received another statement email. The bank account is still not closed. This is a fraudulent account that I did not open. It's not even opened in my legal name. The account is opened under XXXX XXXX XXXX and my legal name is XXXX XXXX XXXX. I told them when I spoke to them in XXXX if the account wasn't closed I was filing a complaint.
|
| 04/25/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
In XXXX M & T Bank sent a letter claiming that the information in my file was out of date. How do they know it 's out of date? They required me to place a phone call to update my data ( which may not actually be out of date ). I find it inconvenient to contact call centers, so I took no action. How does M & T even know I have a phone that can place outbound calls? M & T did not state what information they believed was out of date, and did not give a convenient mechanism for me to verify the information. It 's unreasonable for M & T to spontaneously force customers to jump through inconvenient hoops in such an unsolicited manner. VOIP services charge a measured rate, even when dialing toll-free numbers. M & T m ade an unreasonable assumption that I had a phone that could make outbound calls, and also that the phone service would not cost me anything to place the cal l. M & T c losed my account in XXXX apparently for opting not to deal with their call center. They should have mailed me the information they suspec t may be out of date, and provided a prepaid envelope for which to reply.
|
| 08/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
To whom it may concern, Our house was mortgaged by XXXX XXXX XXXX then M & T Bank bought the mortgage from them. All during this time that they have owned the loan every year they we receive ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT FROM THEM. They always send us a shortage coupon and always try to XXXX our property taxes, when our taxes have only gone up {$16.00} this year. Our property taxes are for this residence and the adjoining lot which is {$590.00} for this year. M & T Bank want 's to raise the property tax that they collect from us to {$1000.00} This happens every year with them and we have to fight with them and then we have to call them and they state they will have to research it.
XXXX XXXX XXXX stated to us that the PMI on our loan could be dropped after 5 years as long as we did n't have any missed payments or late payments. Which we have made every payment and not been late with it.
I have been trying for the last 3 years to get M & T to drop the PMI and they state that we have to have a 80 % Loan to Valuation ratio and we are at 80.6 % and the lone is close to 8 years.
|
| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I issued a standard billpay to be sent from XXXX to an M & T RV Loan due to arrive XX/XX/2021 as I have done before. Then as XX/XX/XXXX approached, the billpay had not cleared.
XXXX confirmed the check was cut and sent on time. I called M & T and they stated there was a XXXX delay and lots of billpay checks were late. They were aware, they waived the late fee ( as shown in the attachment ) and assured me it would NOT affect my credit.
On XX/XX/2021, I put a stop pay on the XXXX billpay check ( PER M & T 's REQUEST ) and paid the amount directly to M & T.
Once again they assured me it was not my fault and it would not affect my credit.
Well it DID affect my credit resulting in a 150 point drop and the reduction of at least 3 credit lines. I called M & T and they told me sorry nothing they could do, take it up with the credit bureaus. Thus far, the credit bureau disputes I have submitted have not fixed the issue. My credit and credit lines were massively hit and no one will correct this. I was not late and M & T ASSURED me this was not my fault and there would be no penalty for me.
|
| 10/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a mortgage with M & T Bank, which was modified by a HAMP in XX/XX/XXXX. My mortgage account is reported as past due 30 days for XX/XX/XXXX ; past due 60 days for XX/XX/XXXX ; and past due 120 days for XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX. In fact, I was in a HAMP Trial Payment Plan during this period, made every payment as agreed and have never missed a payment since.
Despite assurances from XXXX XXXX, which processed the HAMP modification for M & T, that I would not be reported as late, M & T continues to report all these HAMP trial plan payments as " late ''. I have filed disputes with the three major credit reporting bureaus, which refuse to correct the reporting because M & T refuses to change its position.
In accordance with XXXX XXXX guidelines, the loan should be reported as paid as modified. See, page 5 of XXXX XXXX Publication 800 for servicer instructions re : credit reporting of modified loans which states that HAMP modified loans should be reported as being paid as current, but on a modified payment if payments are made by the XXXX day of each month.
|
| 11/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2021, we applied for a cash out refinance of our mortgage through our current lender, M & T Bank, via their website. By XX/XX/2021, we have heard nothing. I sent an email to the contact lender generated at the time of application. Her name is XXXX XXXX, XXXX XXXX. She immediately responded and stated that she would like to speak with us by phone. We set up a meeting for XX/XX/2021 at XXXX cst. She never called. She never emailed with an apology for missing the appointment. She's never given us any updates on the application. And, she's never provided us the required Loan Estimate.
The reason for the complaint is because we have yet to receive a Loan Estimate. The application was completed and credit has been pulled on my spouse and myself by M & T XXXX.
At this point, we've taken a hard hit on our credit report which really isn't going to affect our chances of refinancing with another company because of our credit score. But, waiting XXXX weeks for communication on an update or having to ask for the Loan Estimate that should have already been provided is simply unacceptable.
|
| 01/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an account with M & T Bank on XX/XX/XXXX after speaking with a Teller at their XXXX XXXX branch who informed me that they were running a {$200.00} promotion to open a new account using the code XXXX. Since I was a XXXX resident she stated that I would qualify for the code and that I should come back to open an account or open one online. Both my boyfriend and I opened our own individual accounts using the XXXX code since we just moved to XXXX and needed a local bank. We qualified for all of the terms to receive the {$200.00} but it never posted within the 90 days like it was supposed to.
When I reached out to M & T regarding this on XX/XX/XXXX, they replied on XX/XX/XXXX stating that my name was n't included on the offer, but that they continually offer new account sign ups in branch, via radio, mailing, or internet for all customers, new and existing.
However, I feel that is not a fair business practice and false advertising to potential customers as it was advertised to me in branch by their employee and both my boyfriends and my accounts qualified for the promotion.
|
| 04/21/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
M & T BANK purchased my mortgage loan for my home XXXX XXXX XXXX XXXX GA XXXX loan XXXX ) XXXX XXXX, XXXX the principle balance transferred from XXXX Mortgage. $ XXXX XXXX statement showed I owed XXXX There were no missed payments.I contacted M & T numerous times who transferred me to XXXX XXXX XXXX XXXX XXXX They instruct me to write a letter, I do but they never send the information explaining how the principle went up by $ XXXX Little Mortgage Customer Support, Retail loan Servicing did mail me a letter stating the principle was {$230000.00} when M & T purchased the loan. After written request my questions where never answered why the principle when up on a 30 year fixed mortgage.I called today XXXX and was told the request would need to be in writing again. XXXX XXXX wrote me a letter, confirmed the starting balance {$230000.00} XXXX. She referred me back to XXXX XXXX if I had further questions, which is there General Customer Service line, they tell you to write another letter.What I keep asking them is how did the fixed mortgage increase by {$5600.00}. with no missed payments.
|
| 05/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
The MT Bank locked my account to operate over the Internet. I have a DPOA on my behalf, it is my wife to make electronic payments and MT Bank blocked my account intentionally do not let my DPOA not to be able to help me. The MT Bank knew that I am using my DPOA as a translator for myself too when I tried to get my signature simply notarized at the bank on the document and the notary at the bank refused to notarize my signature and after talking to my DPOA began to create a problem for us. I got a non payment problem for not paying my electronic bill on time without an electronic access. The ID and Password was correct, but Bank immediately locked access and left no way to get in and pay and began to use all kind of excuses. Neither I am or my wife stay in XXXX XXXX right now and I need especially go there as the MT bank representatives demand now. It is already almost a month like the electronic access was lost. Today it was XXXX and XXXX online and they brutally sent me to the bank, while I was on line with my wife. It is outrageous abuse and I will request the bank to pay for it.
|
| 04/27/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have a VA mortgage with M & T bank. I was struggle to make the payment due to financial issues related to COVID health issues. I reached out to them and was placed in forbearance. I was told that I had the option to do a partial claim when I resumed my payments. The forbearance started with XX/XX/XXXX payment. I am now exiting the forbearance and resuming payments on XX/XX/XXXX. I am now being told that the partial claim option was discontinued in XX/XX/XXXX and I have to make all payments in lump sum, spread out over 6 months or refinance at a MUCH higher rate 3.0 % to 6-7 %. I feel that I was lied to when I entered this forbearance with the goal of upping my rate. I can not afford lump sum or to repay an extra XXXX a month for 6 months or pay a new mortgage payment that is substantially higher than my current. I feel that I would have been better off paying what I could and trying to keep the delinquency less than 30 days until I could bounce back financially. I just think this was deceptive fraudulent practice for the bank to make more money off an already struggling client.
|
| 04/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I the consumer and natural person was denied credit by M & T bank when I applied for an extension of credit for an automobile. Adverse action against a consumer is AGAINST THE LAW according to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 U.S. Code 1691c and is pursuant to civil liability in 15 U.S. Code 1692k. M & T is subject to CRIMINAL liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by M & T Bank in their letter dated XXXX XXXX2022 as exhibit A. M & T Bank violations include 15 U.S. Code 1642,15 U.S. Code 1681m and 12 CFR 1002 being that I made an application in good faith, but credit was not issued. In addition my Social Security Number ( credit card ) was used and I received NO benefit proving this to be proof of fraudulent activity, unauthorized use of a credit card by M & T Bank. If M & T Bank fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card I will indeed make M & T bank criminally liable for ALL DAMAGED PURSUANT TO 15 U.S. Code 1681n and 15 U.S. Code 1681o!
|
| 06/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Two years ago XXXX, we applied for the XXXX XXXX XXXX savings program through M & T and were subsequently approved by the representative we worked with ( who is no longer an M & T employee ). Since then, we have successfully completed the program, making the monthly payments on time, and have completed the required counseling sessions. At this point, we have met with our loan officer several times, had all of our documentation in order, and successfully procured a mortgage loan. We were informed yesterday of a condition of the XXXX XXXX XXXX program that would have disqualified us from being accepted into the program ( I was a XXXX within 6 months of XXXX ), yet M & T approved us anyway. The person we met with checked all of the criteria for the program off for us without confirming with us that is that met the criteria, and only had us look at and sign page XXXX of a document. As a result, we did not receive the XXXX that would give us an additional {$7500.00} toward closing costs. We were told by M & T that they would do nothing to right this, despite the mistake being theirs.
|
| 07/29/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
On XX/XX/2023 at approx XXXX XXXX I recieved an Email from what appeared to be XXXX XXXX. My wife and I had been trying a 30 day trial and had decided to try a one year subscription to XXXX. The Email stated the 30 day trial was about to expire. On this XXXX web site screen was a phone number to call XXXX to purchase and activate a one year subscription. After calling the number what appeared to be an XXXX employee stated he would help to activate the new subscription. I used my M & T bank credit card to attempt to purchase the subscription. The fraudster then asked me if I had sent money to anyone in California, Louisiana, and Texas. I stated I had not and immediately opened my electronic M & T Bank accounts to examine what he was talking about. As soon as I opened the XXXX account I observed a name XXXX XXXX typed in the send money spot of the XXXX screen. As soon as I read this my account was activated to send {$990.00}, and {$1400.00} to this false name. Whoever this was had control of my XXXX. I did not type anyones name or authorize anyone to send this money to XXXX XXXX.
|
| 08/04/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I received a letter from M & T Bank that stated I needed to call to update information because of a change in regulatory requirements. That 's fair enough.
The problem is that the phone number listed does not show up as an M & T bank number in an online search. Plus, anyone who wanted to steal account information could simply copy the letter, but change the phone number. The letter should direct the recipient to look up and call a number they can independently confirm to be an M & T bank number.
The push-back I received was that they needed to have a new number because otherwise their customer service number would be overloaded. While that may be true, that means that they need to invest in their customer service infrastructure and provide a way to let callers quickly and easily select an option to respond to the letter.
Directing callers to a random phone number to update bank account information is more than foolish. It sets a terrible precedent for future communication of sensitive information, and it provides a template for scammers to gain access to account information.
|
| 03/14/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
My name is XXXX XXXX I have a mortgage with M & T Bank. I recently had problems with the property tax where the house was built on 3, 25ft lots and the 3rd lot wasn't properly merged by the city with lots 1 & 2. Lot 3 was sold for tax proceeds without my knowledge. M & T provided a lawyer since they also had interest in maintaining the property, to assist with resolving the problem. The tax bill was XXXX ( including interest and additional fees ). I recently found out I am being charged XXXX for and attorney 's fee and my mortgage has changed from {$400.00} monthly to {$1700.00}. M & T is also charging me {>= $1,000,000} in addition to the above amounts as a recoverable corporate advance. I have talked to them asking them to provide a fair bill but this is excessive and well beyond the amount of the taxes or attorneys fees. Please help me. I am a XXXX XXXX XXXX widow on a fixed income and I think they are trying to take my home with excessive fees beyond my income. I have not missed a mortgage payment, I have always paid my taxes until I became exempt I can not loose my home.
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| 01/03/2024 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/, I opened a new Premium Checking account ending in XXXX using the link XXXX with your esteemed institution using a promotional code that promised a {$400.00} bonus if I maintain combined average monthly balance of at least XXXX in any new personal M & T deposit accounts. I am pleased to inform you that I have diligently met all the specified requirements within the stipulated timeframe.
To provide you with the relevant details : Account Holder 's Name : XXXX XXXX Account Number : My Choice Premium Checking - XXXX Promo link used : XXXX Despite having fulfilled the conditions outlined in the promotion, I have not yet received the promised {$400.00} bonus. I understand that administrative oversights can occur, and I am confident that this matter can be resolved promptly.
I kindly request your assistance in investigating the matter and rectifying the issue at your earliest convenience. It would be greatly appreciated if you could provide an update on the status of my bonus and, if necessary, any steps I need to take to ensure the timely resolution of this matter.
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| 02/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
Servicemember |
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On XX/XX/2019 I was assessed 5 OD fees in the amount of XXXX a piece by M & T bank for 3 ATM withdrawals and 2 Debit card transactions. I have banked with almost every institution and never in my life have I ever received an OD free for a Debit card transaction. Not only that but, i did these transactions prior to signing an authorization for giving M & T Bank permission to allow ATM withdrawals and debit card transactions that would result in possible OD fees. I feel I should be refunded the total fees the fees are more than all the transactions combined. Since I opened my account I have never had an OD fee until now and I never received a fee when my account went negative accidentally from a debit card transaction until now. I spent XXXX dollars at XXXX and XXXX cents at XXXX XXXX and it cost me XXXX dollars to do so. I have tried to rectify this situation with M & T directly with no success. Hopefully you can mediate to get them to reverse the fees as a one time courtesy and also since again the acknowledgement what done after I had already processed these transactions.
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| 02/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have tried everything that I know how to do correctly, Still, XXXX, XXXX and XXXX will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury.
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE??
( M & T Bank ) I'M trying to get a better job & place to live but they, ( XXXX ) ( XXXX ) ( XXXX ) NOR ( M & T BANK ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ...
Thank YOu for your assistance in this matter without your help, I don't know what to do
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| 12/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I would like to file a complaint regarding M & T Bank of XXXX Texas. they claim I had a lapse in insurance for the property we had a loan with, this is not the case. I have complete documentation that there was no lapse in insurance. M & T Bank withdrew {$230.00} out of my escrow account to buy a temporary policy without my permission or letting me know, I received no policy number or information about the temporary insurance. I have no proof that they bought this un-needed policy that I did not need because my policy did not lapse. The money in the escrow account belongs to me it is not a slush fund for them to remove money without my permission I consider that theft. I have called my insurance company they have assured me my policy never lapsed, my insurance faxed, emailed and texts my policy information to M & T Bank. M & T Bank did not care and was taking the money anyway. I believe they have sloppy book keeping and I think a full audit should be performed to protect customers. I am sure I am not the only one with an issue. Thankyou for you attention in this matter
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| 11/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The reason for my writing is that M & T Bank is being unreasonable. I recently reviewed my credit report and found that M & T Bank were reporting inaccurate data. As a result, I disputed this erroneous data on XXXX XXXX by providing both up to date information and my detail request, clearly stating what I needed checked and rectified for my report to be 100 % accurate and verifiable.
I was surprised by M & T bank that even after providing all the details that I did, until now they are in violation of the California Credit Reporting Act, which requires that an account be marked as disputed after a creditor receive notice of a client 's dispute. They have failed miserably to mark the account as disputed by client. Which clearly states that they did nothing in as far as investigation of my dispute is concerned.
I am already in talks with my attorney in regards taking legal actions against M & T. Please see attached here with : 1. My dispute I sent to M & T on XXXX XXXX 2. My screen cast of my recent report without the client dispute remark 3. My small claim form- SC-100
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| 09/15/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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On the XXXX of every month I have an automatic external transfer done from my people 's united bank checking account to my XXXX checking account. People 's withdrew {$1100.00} from my checking account on XX/XX/22 for my external transfer to XXXX XXXX. XXXX should have received it XX/XX/22. Effective XX/XX/22, Peoples transitioned over to M & T bank. As of XX/XX/22, XXXX still has not received my XX/XX/22 external transfer from Peoples bank. I have been to Peoples/M & T bank since they reopened on XX/XX/22 ( the transition occurred all XXXXXXXX XXXX weekend ) every day asking what the problem is and all they say is that they are looking into the issue, they can't get the history because it was done while under Peoples realm, they don't have any tracking number for this external transfer and they have no idea where the {$1100.00} went. XXXX XXXX says they don't have anything in their system under my name, address, account number or social security code so it never went to XXXX XXXX. It's now been 14 days since this transfer was done and no resolution has been reached.
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| 11/20/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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I fell behind on my payments in XX/XX/XXXX. I had a XXXX XXXX XXXX in my left leg and a XXXX. I was in the hospital from then until XXXX and in medical rehabilitation until XX/XX/XXXX. This made it very difficult for me and my family to stay current on my payments because I was focused on my recovery. I inherited this property from my father, I am his only son. I began the process of probating the estate in Early XXXX. I have applied for mortgage assistance four times. I sent a request for mortgage assistance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. the I was not being reviewed for assistance until I had a deed in my name along with letters of administration and so I was denied. I then reapplied once I had those documents. Now M & T bank is saying my application is being removed from review because there has been " No material change since the last submission. '' This is the second letter I got with this decision. I am unsure I fi am being denied assistance or if I am just not being reviewed. I have submitted everything necessary the bank has asked for.
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| 04/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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When I purchased an automobile ( a XXXX Mercedes-BEnz XXXX ) I took out a loan with M & T Bank. When I received my vehicle title from the Maryland XXXX XXXX it reflected a lien. The loan was paid of in the beginning of XXXX. I expected that I would receive a document thet reflected the termination of the lien. This reflects my experience with my other vehicle. After some time has lapsed, I called the general service number for M & T to inquire about this process ( on XXXX XXXX, XXXX ). At that time, a service superviser identifying himself as XXXX said there may have been a error on the bank 's part and the title continued to reflect the lien in error. He said someone might get a hold of me about the issue. Since no one has done that as of now, I called again. This time XXXX responded ( on XXXX XXXX ). After hearing my information, she said New York XXXX places the responsibility for clearing a lien on the customer. After pointing out that I live in Maryland, she offered to turn me over to another superviser. Clearly, I am getting a different story each time I call.
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| 07/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
Older American |
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About four or five months ago the ATM card started to fail on the first try at a specific ATM location. About two months ago the ATM card started to completely fail at all locations. I called the bank 's customer service number. They said there was a fraud alert and they couldn't do anything about it, or even why the fraud alert was there. I then went into the bank branch nearest me, and they thought it was a defective card. I was sent a new card and it worked until XX/XX/2023 when it failed again. I went to the nearest bank branch then and they said there were holds placed on the the ATM usage. The individual I spoke to said the problem will go away in two hours. It did not. Two days later the card failed. I called the bank 's fraud line and they said there was a hold on the ATM due to fraud. They claim there is nothing they can do to change this fraud hold on my ATM card usage. Essentially they can not stop the A.I. from putting up these false positives on my ATM portion of my account. It renders my account useless. The bank is M & T Bank of XXXX, New York, XXXX.
|
| 02/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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|
Web |
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I have been through multiple unfortunate financial scams. I am paying the heavy price for being a nave individual. total amount is in an excess of 6 figure scams.
My bank, fraud department did investigate my transactions and deemed me a high risk consumer, may account was closed abruptly, even after being with white like a snow financial records for the last 26 years with same bank. Unfortunately, none of what i was promised was carried on, i was informed, my debt card will function for a month, my account will continue to pay bills as long as there is positive balance, until i transition onto a different bank, none of that occurred.
I do understand, I made poor judgment on these transactions, as was elated due to the idea I am starting a new business and I am in need to fund the business.
Unfortunately, everything i touched turned to be a scam even they are unrelated to each other, i. e sell a time share to fund my " new business '' etc etc. I don't know where my bank responsibilities of thees scams ends, as i did wire money to multiple separate domestic banks.
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| 12/15/2020 |
Yes |
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- Trouble during payment process
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Web |
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I currently have a mortgage with M & T Bank. This mortgage is currently in a forbearance plan as a result of a COVID hardship assistance request, effective XX/XX/2020. As a result of this forbearance, my payments have been paused. Last week, I've received a letter from M & T Bank notifying me that despite my current forbearance status, my mortgage is currently " in default ''. This new information does not coincide with the current forbearance plan that I have been approved for. It is my opinion that M & T Bank has committed to harassing and bullying consumers who have opted to take advantage the protections afforded to them during this crisis. Prior to receiving this letter, I have received multiple calls from representatives of their bank, calling to remind me of what my options will be once the forbearance period is over. On the last call I received, the representative informed me that at least one option to resolve the past due payments will not be available to me if I do not have steady employment at that time. I do not believe this information to be accurate.
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| 02/27/2021 |
Yes |
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- Trouble during payment process
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|
Web |
Older American, Servicemember |
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We had our Mortgage with XXXX XXXX and enjoyed visiting Branchs to make payments and ask questions. Then XXXX XXXX sold Mortgages to M & T Bank who has no branch ib our city. Whenever we call we are sent to different departments and after a half hour we are still without an answer. On XX/XX/XXXX of 2021 we mailed checks to three places. Two were cashed normally. M & T waited Util the end of XXXX and then assesed a late charge. I made a online payment of the XXXX payment and thje next day I did the same for the XXXX Payment. In the middle of XXXX, they found the XXXX check and tried to cash it Twice! I keep enough money in my account to cover bills so we got two {$35.00} doller fees for insufficient funds. I complained to M & T a week ago and I have had no response. I shopped for a good refinance deal and could not find one. M & T did send me a email that stated that the Post Office was slow due to the Pandemic. I believe that a bank should not be able to sell a mortgage without the mortgage holders permission. I also believe that M & T should lose their licence.
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| 03/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
In XX/XX/2020, M & T Bank was complicit in fraudulent transactions based on forged unauthorized withdrawals from my checking account. Two of my checks were stolen from the U.S. Postal Service mail. The amounts and the payee were changed and and the authorizing signature was forged. The checks were submitted to M & T Bank for withdrawal of funds and M & T Bank released the funds from my account. The signature endorsement on the back of two checks, that was routinely required before M & T Bank processed these transactions, is MISSING. The financial institution involved in this transaction is not visible. M & T Bank representatives can not tell me how these transactions occurred and they can not tell me the name of the other financial institution invovled in these transactions.
The M & T Bank Affidavit of Forgery Alteration Unauthorized Check Form was submitted to M & T Bank along with a police report on XX/XX/2020. Two forged M & T Bank checks, totaling {$10000.00} were involved in the transactions. M & T Bank has not restored the funds to my checking account.
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| 03/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
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Back at the time that XXXX sold our mortgage to M & T Bank, we have had nothing but problems. On XXXX XXXX, 2015, I received a letter from them that my mortgage was being raised by {$400.00} a month due to them not takinig care of the insurance the way they should. They received information 6 months before and put it in a file until they felt like it was time to review everything. I contacted them about this and there was nothing that they were willing to do in order to correct it. They said that it is policy and that we have to live with it. This put a financial strain on us anyway due to my partner 's health and my daughter who is in XXXX due to neglect in a group home that almost killed her. She has moved back home for us to take care of the rest of her life due to XXXX XXXX and the XXXX. M & T bank has always been a huge disappointment and we had never even heard of them until our mortgage went to them without our knowledge. M & T has never been on the side of the consumer. It is all about the almighty buck to them. I would not recommend them to anyone ever.
|
| 09/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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I opened my account with M & T Bank because there is a very convenient ATM that I pass every morning and afternoon going to and coming home from work. That particular ATM has been down for maintenance for several months now and that has caused me to have to use ATM machines where I am being charged {$3.00} from my bank and {$2.00} from the ATM. When I spoke with the bank about this situation they have told me several times that they will try to verify that the ATM is still out of service and go from there but I have had no resolution in the past several months. The only advice they offered was for me to use a different ATM that is 15 minutes down the road from my house. That would mean I have to drive 15 minutes to this ATM and then 15 minutes back to my house before I can proceed with whatever I am doing. I find that highly unreasonable. I would like them to refund all of the fees associated with using any other ATMs but the one in XXXX New York because that is the one that is down. To date, I have over {$400.00} in ATM fees because of their machine being down
|
| 03/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
I called M & T corporate office on XX/XX/XXXX, & was specifically told by agent my account would not be closed.while dispute is still going on, I went to branch in XXXX to have all appropriate paperwork sent to appropriate dept.
Eleven days later while trying to use my cc, vendor showed declined, so I called corporate office and told acct is slated to be closed next week & never received my paperwork from XX/XX/XXXX.
Three hours later I go into XXXX Md branch to pull my own money, come to find out the XXXX XXXX branch closed it @ XXXX, after being told Everything I was told.
XXXX XXXX told XXXX mgr check was put in mail. COMPLETELY LIED So next day called bank that closed adamantly refused to put mgr on phone, lied originally and told she wasnt even there BUT when corporate office called they spoke to her.
Adamantly refused to send my {$19000.00} out but no way to pay bills or no common courtesy for me to come in ahead of time before they put their grubby hands on my money.
Completely unprofessional and rude.
Multiply lied to as well on several occasions
|
| 01/21/2020 |
Yes |
|
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Web |
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I did a modification with M & T bank back in 2014. I was told that the money owed would be put on the end of my loan. Today I found out there is a second mortgage of {$15000.00} that I knew nothing about. I was never told there would be a second loan! I spoke with a rep by the name of XXXX that was rude then got a supervisor by the name of XXXX. All these folks keep saying was this {$15000.00} was in paperwork I signed. As I explained to XXXX if I was told a second mortgage would be put on me then I would sign for it. M & T Bank and this other company basically has me owing almost {$85000.00} for a house worth {$66000.00}. I wasnt given any money so i dont know who got the {$15000.00}. I feel I should be let out of this since I was lied to the entire time. I want all communications between me and M & T listen to so you all can see I was never told about a second mortgage. I would have just let them foreclose before owing that much for this house. I am trying to purchase another home and owing this much wont allow me to sale this home or purchase the new home.
|
| 12/03/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
Manufacturers and Trust company dba M & T bank ( New York ) has paid a disputed transaction. I contacted the vendor and they stated that I DID NOT have an account with them. M & T bank contacted the vendor and it was stated I had an account, which if so, I do not know where the magazines are going. When this first charge appeared on my account I made contact with both the vendor and M & T bank.This XXXX XXXX scam has been ongoing for years. M & T bank hides behind the underpaid telephone representative while in the era of identity theft and bank scams and the only recourse I have is to submit another letter or more proof to a fax number that I do not know where it may go or who may see it. I am not satisfied with the way M & T bank safeguards my money. The transaction date : XXXX/XXXX/15 description TIMEXXXX IS FRAUDULENT. Transaction amount is {$59.00}. I insist that they return my funds. In addition, M & T bank needs better communication between consumers and their so called investigators, or the ability to speak directly with those so called investigators.
|
| 05/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
The images I will upload to this complaint are dated, top left corner of my phone screen I have a permanent date bar, which I set to be always on for the purpose of taking screenshots of my bank account with the date in the shot. Images will show exactly the scam I'm about to explain XXXX XXXX personal checking- no pending transactions XXXX XXXX personal checking- no pending transactions, but a processed transaction pre-dated for XX/XX/XXXX. This transaction momentarily took my account negative, however I immediately transferred money from my business account to cover the negative amount.
XXXX XXXX even though I added more than enough money to cover the pre-dated transaction, M & T bank still charged my an overdraft fee They do this ALL THE TIME. Transactions are listed nowhere, not even pending, then a day later they show up pre-dated for days before. The only reason to do this is to manipulate the transactions to STEAL an overdraft fee.
This is 1 instance. I have ATM receipts and pictures of my account that prove this is a regular habit for M & T bank.
|
| 04/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
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Date of Loan : XX/XX/2014, Term 75 months, Monthly payment XXXX. During the first 14-20 months payments were made on time. I ran into unanticipated financial hardships and payments began to age. The bank failed to mention extensions were available to me. Once informed of the potential for an extension the bank stated the account would have to be " in good standing '' to grant an extension. This took several more months to achieve resulting in additional late fees. I ultimately qualified and was granted extensions, however I incurred an extraordinary amount of late fees. Each month was late was equivalent to over {$150.00} in late fees. Approximately 15 % of the monthly payment. My account is current except for the late fee portion which is currently over {$2000.00}. I already paid a substantial amount of late fees that are not reflected in my statement. Before the loan matures I would like to resolve the late fees and identify if the late fees are appropriate and legal. I've tried on several occasions to resolve the late fees with minor success. Thank you
|
| 08/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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Complaint already filed on XXXX XXXX of XXXX being worked on separately. I hate to file this on the bank but I have no other choice. I purchased a brand new travel trailer on XXXX XXXX, by XXXX XXXX, I still had received no merchandise for the loan they took out on me. As of XXXX XXXX, I was advised that XXXX XXXX was in the process of flat cancelling the loan. I have gotten nothing but lies from both companies. I have filed complaints and ca n't get returned calls. On XXXX M & T Bank confirmed to me they had received the collateral from XXXX XXXX to flat cancel the loan and my account would show updated and closed on Monday. I have been more than patient but am now questioning if either company is telling me the truth. Today is XXXX and the loan is still showing open and accruing interest. What on the earth is the hold up? I ca n't deal with this stress much longer. It is killing me! Thanks for any help in reaching out to this company. Attached is the documentation for the conversations between the bank rep and myself. This has gone on for far too long.
|
| 11/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
In XX/XX/2023, I opened a M & T Bank checking account ending in XXXX. On XX/XX/2023 my direct Deposit payroll was deposited in the account. When the account was opened, it was offering a {$200.00} bonus when {$500.00} was directed deposited and I have met the requirement already. According to the M & T Bank Representative, I spoke with on or about XX/XX/2023, the bonus should have been given within 90 days from the date the direct deposit reached the account.
She advised she would escalate this case to someone for them to review it and give me my bonus. Advised there would be a resolution in 1-2 weeks. On XX/XX/2023, I spoke with XXXX, XXXX and was advised the case is still open and I need to talk to sales to find out the status of this. I am not doing this run around thing like last time, with my M & T Bank mortgage ending in XXXX. I am demanding that M & T Bank pay out my bonus of {$200.00} that I am rightfully owed within 5 business days.. It's passed the 90 day timeframe provided in the offer terms.
Enclosed : XXXX XXXX Monthly Account Statement
|
| 10/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
We have obtained a Installment loan from M & T Bank in XX/XX/XXXX through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX. We had provided them with our new PO Box info when we sold our house and moved. We have been having issues with receiving information from them regarding our loan in the following list : *Last paper installments payment notices was XX/XX/XXXX.
*Unable to log online line to view the account.
*When they are contacted to request the information they do not provide any information and transfer us to other department and then get disconnected and/or they give another number to contact each time. We go through through this process each month every time. We were able to confirm our address with them once and the csr thought they had it in their system incorrectly and stated that she had noted it and made a change. This was XX/XX/XXXX. They will only take over the phone payments.
They contact info for correspondence is : M & T Bank, Lending Services, Customer Support, XXXX. XXXX XXXX, XXXX, DE XXXX. XXXX Thank you, XXXX and XXXX XXXX
|
| 09/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I refinanced my car, I asked the company would anything change besides the date of the payment and the amount. I was advised no, so I even asked would this have any effect on my gap insurance I was advised no. Well come to find out that was a lie. I got in an accident the care was totaled and the gap I insurance said they would not pay because of me refinancing changed the terms of the original contract. It has been a few years and not M & T bank is calling me saying I owe $ XXXX for the car. When it was totaled out there was n't even that much left in th car I tried expaininf the I was deceived by their company and that the gap should have been added to the new terms but instead they advised me I was still covered. I do not feel I should pay the bases on being lied to. Is there anyone that can help me with this? I asked them how would this effect the gap insurance and they fact that they said it would not effect it and that the car would still be covered if something happens then something happened and the gap would not pay for the outstanding amount.
|
| 10/09/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
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On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX XXXX Property Address ) to M & T Bank.
In my correspondence ( please see attachment ), I informed M & T Bank that I was making a qualified written request under Section XXXX of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX XXXX : XXXX ) Appraisal XXXX ) Copy of Contract for Deed XXXX ) Copies of Property Inspections XXXX ) Escrow Statements / Annual Accounting Statements XXXX ) Homeowner Insurance Payments Paid by Loan Servicer XXXX ) XXXX Dues and Special Assessments Paid by Loan Servicer XXXX ) Loan Assignments, Loan Servicing Documents, etc.
XXXX XXXX Foreclosure Notices, Notices to Cure, Acceleration Notices, etc.
I informed M & T Bank that under Section XXXX of RESPA they were required to acknowledge my request within XXXX business days and that they must try to resolve my issue within XXXX business days. However, I still have not received any type of response.
|
| 11/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
May this letter find you in good health As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. I understand the importance of maintaining a positive payment history and take full responsibility for these oversights. I kindly request your understanding and assistance in removing the recorded late payments from my account history.
M & T BANK XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or M & T BANK customer service representative.
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed.
I appreciate you taking the time to consider this request. I value your efforts in assisting me in keeping my account information accurate.
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| 03/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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In XXXX of 2016 my vehicle was total lost in a not a fault accident. Shortly thereafter my primary insurance carrier settled the claim. I made the last up to date payment on or about XX/XX/2016. On XX/XX/2016 I made a new car purchase from the same dealership that I have been dealing with for the past 7 years starting at a zero balance. I had additional Gap insurance to cover residual debt in the event of a total lost situation. to my surprise I discovered that the unregulated out of state insurance company out of Florida breached the standing contract with me! this caused the lender to charge off the debt to my credit report which I disputed, and I provided all the necessary documentation to this affect. The lender write off the debt, but reported that I was suppose to continue to make the monthly payment to them on the loan. All XXXX bureaus were contact both before the charge off, and after the charge off in writing in a escalated dispute. however XXXX XXXX has refused to adhere by removing inaccurate information regarding my dispute with them.
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| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/year> I Opted Out of credit reporting from MTB. They have NOT complied with the federal law and have not trained their staff to comply as well which is negligence on their part.
For years I have been requesting that MTB opt me out from credit reporting, via notarized documents mailed via form XXXX
The culture of MTB is to write letters stating that my requests are frivolous and they will not answer similar complaints.
I was able to find my original closing documents for other legal reasons and here is the disclosure that they refuse to send upon request or honor.
see attached. it is XXXX dollars per violation per federal law.
And I am seeking compensation for 15 years of illegal reporting, late payments, balances, date open, and all private intimate information.
I have call recordings of when you dial into their employees they state that they can not stop reporting to the credit bureaus they MUST or they HAVE TO.
I have letters from MTB also STATING THE SAME AS WELL. Through complaints, i submitted through the CFPB in the past.
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| 06/28/2016 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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I was issued XXXX refund checks from when I sold my house and overpaid M & T Bank. I forgot about the checks and when I found them a little over a year later, I went to cash them with my bank who told me that they were too old and that I needed to contact the company to be reissued the checks. I have made several attempts to contact M & T Bank and every time I speak with them, they tell me an excuse as to why I have n't received the checks. They keep telling me that they mailed them and that I should receive them any day and they never show up. I call them several days later and they tell me the exact same thing. It has been over a month of calling them and I still have no checks. They keep telling me that it is my money and that I do get it, but I 'm still receiving no checks. I receive all other mail and have n't had a problem and it 's strange that they keep telling me the same thing over and over and never have a reason as to why they have n't been received.I have verified the mailing address with them several times and they have it correct.
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| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XXXX I Opted Out of credit reporting from MTB. They have NOT complied with the federal law and have not trained their staff to comply as well which is negligence on their part.
For years I have been requesting that MTB opt me out from credit reporting, via notarized documents mailed via form 3811.
The culture of MTB is to write letters stating that my requests are frivolous and they will not answer similar complaints.
I was able to find my original closing documents for other legal reasons and here is the disclosure that they refuse to send upon request or honor.
see attached. it is XXXXXXXX XXXX per violation per federal law.
And I am seeking compensation for 15 years of illegal reporting, late payments, balances, date open, and all private intimate information.
I have call recordings of when you dial into their employees they state that they can not stop reporting to the credit bureaus they MUST or they HAVE TO.
I have letters from MTB also STATING THE SAME AS WELL. Through complaints, i submitted through the CFPB in the past.
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| 03/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I called MandT Bank ( MTB ), XX/XX/XXXX at XXXX and spoke with a rep about the calculation of the mortgage escrow which I believe to be wrong.
We are in agreement that the monthly mortgage escrow before shortage should be {$1200.00} per month required annual mortgage escrow is 14 months at {$1200.00} or XXXX.
Beginning escrow balance is {$7300.00} a/o XX/XX/XXXX.
escrow payments from XX/XX/XXXX to XX/XX/XXXX total XXXX this would bring the total escrow to XXXX well above the required escrow of 14 months of {$17000.00}.
The woman who answered the phone started the conversation by telling me she does not have the ability to calculate whether the escrow is right and it is done by computer.
she kept saying the bank 's calculation is right with no explanation.
I asked her how she can be so sure the Bank 's calculation is right when she told me she didn't know how to calculate an escrow earlier in the conversation.
she hung up without saying anything.
I did not raise my voice, but obviously, MTB 's training leaves a lot to be desired.
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| 11/20/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I've previously notified the appropriate creditors about these bogus accounts, and I've sent along all the supporting documents needed to confirm their fraudulent status. Several credit reporting agencies have quickly deleted these accounts from my credit report after realizing the bogus activities. I respectfully ask that you expedite the investigation and swiftly remove the false information from my credit report since the other credit bureaus have successfully erased these accounts following appropriate verification. XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX XXXX XXXX customer service. I value your quick attention to this issue and anticipate seeing the repair appear on my credit record shortly. Additionally, I would like a copy of the most recent credit report to be sent to the address I provided above.
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| 09/13/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
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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.
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| 04/13/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Servicemember |
|
In XX/XX/XXXX, M & T Bank assumed the responsibility of a mortgage loan I had with XXXX. The effective date of the transfer was XX/XX/XXXX. In my 10-plus years as a homeowner, I have made on-time monthly mortgage payments.
Although the due date is the XXXX of every month, I typically pay within the 15-day grace period for mortgage loans. Thus, no late fees are incurred.
However, since the transfer, M & T Bank has made recurring calls asking when payment is going to be made ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ). The representative begins my asking to confirm personal information ( last four SSN ). This practice would seem suspicious.
During the most recent exchange with an operator ( XX/XX/XXXX ), he asked when payment would be made. My reply : The same time frame as the previous month. Later, I wondered if the bank could see a record of my last payment. The representative said no since it was made online. Subsequently, he noted my response in my account.
However, to my dismay, I received a phone call seven days later ( XX/XX/XXXX ).
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| 12/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
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Two XXXX transactions posted to my checking account on XX/XX/23. Unauthorized my myself. Not a joint account. My house was broken into several times in the last month. Checks missing, cash, files etc.
Called M & T immediately. They don't have a 24 fraud number as posted on their website. Finally got through next day. They refused to provide any information. Would not create a case number for fraud. Nor a provisional credit. My account is now overdrawn. Didn't receive and text messages alerting me of possible fraud.
Was told I have to visit a branch. I'm in XXXX Florida. I'm also XXXX. The nearest branch is hours away.
I'm looking for a resolution. I had them lock account and shut down debit card.
Requesting an explanation of the debits, provisional credit and access to my online banking which they blocked.
A case number should have been given to me the day I called and reported.
I believe they were two checks. I had XXXX in my account. They should not have been cashed for two reasons. Unauthorized and insufficient funds to cover XXXX
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| 05/16/2023 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
Well it all started about 8 years ago when mortgage lender ; XXXX XXXX Transferd us to M & t bank/XXXXwho aggressively mislead us to believe that the were helping us. By giving us no choice but to put a second mortgage on our house. We have been behind on payments ever since... Struggling while our payments keep going up ... our..We have lost track of time.. We have attempted to modify the second mortgage with no success.The payments are just unreasonable high..
We will be sewing.. The the Lenders for being a ponzi scheme.. Of a fractured banking system.. We borrowed supposedly XXXX & now over 10 years later we owe XXXX more presently then was was borrowed originally. The numbers do not add up.. The mortgage company Being M & t bank. We have not seen a deed to this property to this day.. We have tried to sell this house aswell with no sucess.. We have had multiple realtors...
This house was referred to as as a White Ellephant.. This is a written formal complaint ; against Lenders mentioned above..
Sincerely : XXXX XXXX XXXX XXXX XXXX WI
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| 11/28/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
|
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I have outstanding debt on my car loan with M & T Bank. I have been called XXXX times in the last XXXX days about this. I have explained my situation several times to them and they have even told me they have posted it in my notes. I have told them the earliest I could make a payment was XX/XX/XXXX. They have called me XXXX other times to try to get payments. I told them they could post date a payment for XX/XX/XXXX and they told me they ca n't post date it that far in advance. They can only post date it to the XX/XX/XXXX. This is a form of harassment and I want legal action to be taken against M & T Bank. I am unable to refinance the loan because the bank has told me I would have to be present with my father to do that. I live over a XXXX miles away from my father and am unable to travel back home for that. My credit has taken a severe hit because of this loan. I tried having my personal bank take over the loan and due to my credit it would have been too risky as they say to buy out the loan and refinance it. I am losing sleep over this.
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| 05/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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|
Web |
|
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M & T bank located at XXXX XXXX XXXX, XXXX XXXX sent a letter on XX/XX/XXXX indicating that My checking account will be closed and that I should make all necessary steps to transfer all direct deposits and automatic withdrawals by XX/XX/2022. I reached out to bank and asked for a reason but the Vice President indicated that it was a business decision. The date on letter was marked XX/XX/XXXX but I did not receive letter until XXXX XXXX, 30 day notice marked at bottom of letter was not accommodated so I had 14 days to change all of my auto deposits and withdrawals -Went into bank and the representative indicated that I would have until XX/XX/XXXX extension but would not give me any official letter of proof of extension so I went to different branch after I explained that I was withdrawing all of my funds from ATM -Requested that account be closed but bank reached out to XXXX XXXX XXXX and I was told that there was a restriction put on my account. No additional information was given as to whether or not my Mortgage account would be closed.
|
| 01/13/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I have got no resolve from MT bank yet, and they just keep sending that same letter over and over. Their statements and claims are false, and I have a copy of my statement showing I did have funds at the time my money was stolen! I stated I had no funds when asked, because it was the truth! I had called to check my balance and that 's when I found out my funds were stolen and my debit was missing from my wallet. When I call I do not enter my debit card number, I enter my account number because i know by memory and do n't have to reach for my wallet all the time. The letter they sent states false statements that I made! It 's crazy they are still denying me my stolen money, and especially that I have all the proof I had funds and more! I need and want my money back! They have ruined the holidays for me and my family, but I refuse have them deny me my stolen money! This bank is the worse, and the people working there even worse. They are not there to help you, but make things even more difficult on you, and getting your stolen funds back!
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| 05/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
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This bank treats me horible its a disgrace how awful Ive been treated I have proof I will report them to government agencys they like to play games with me and treat me horible this is a lady called XXXX XXXX which was nice when I explained to her everything but then she kept extending the time and everyone refuses to tell me whats going on the brAnch blames XXXX throw me away and tell me to come back when its all clean red I got my report from them and nothing shows negative but then I fax it over to this lady and she told me friday she will have a response now I wait 2 weeks and I called yesterday Monday XXXX and she changed says I cant bank with them and they decided not to do business this is so unfair and discriminatory after having me waiting and cooperating with them they decide to throw me out! I hate them this bank must be investigated they have a problem with me and I did nothing to them for them to treat me this way instead of opening me an account they refuse and treat me horible over the phone bank level and branch level
|
| 08/24/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
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|
I applied for a loan on a rental property with M & T Mortgage. My intentions were to rent out both units and I made that very clear in the beginning of the process. The loan officer recommended a XXXX loan for the reason of the lowest interest rate as this was my first property purchase. At no point did he verbally inform myself I had to live in XXXX of the units. The process was drawn out for over 6 months due to multiple parties on the M & T side leaving and filling in with a new representative. After providing multiple documents we got to the closing week and was informed only a few days before that we could not move forward due to both units being occupied by tenants. The loan office was very unprofessional throughout the entire process ; lacking response for weeks at a time, rude on the phone and most importantly misguiding. It was frustrating not receiving answers and when I did, it was always adding another step my lawyer or myself had to take leading to the 6 month process which ended in backing out of the deal all together.
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| 04/28/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I requested a 6 month forbearance with M & T bank, it was extended for another 3 months. I advised M & T Bank in XX/XX/XXXX, I was able to resume making payments and requested a loan modification. On XX/XX/XXXX, I submitted the information requested by M & T Bank of NY, which was a modification statement, stating that I am the sole owner of my property, that my property is tenant-occupied and my tenant was impacted by Covid 19.
XX/XX/XXXX, M & T Bank sent documentation with the terms of my modification and a statement that I would receive the documentation within 30 days. It is going to be sixty days soon.
Here it is XX/XX/XXXX and I still do not have any paperwork with the terms of the loan modification, although, I received documentation on XXXX and I was told recently on XXXX that this was completed. My frustration is that I'm being asked to make monthly payment via phone as oppose to having the option to pay online. I'm called weekly to ask for payment arrangements and I can not make any payments online, only via the phone.
|
| 02/16/2018 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX we closed escrow on a new loan with a lower interest rate.
The new mortgage company is XXXX XXXX.
Our previous lender, M & T Bank, was paid off by XXXX XXXX with the closing of escrow.
However, on XX/XX/XXXX, M & T debited another monthly payment of {$1300.00}.
This was a normal payment amount on the original loan.
I called M & T Bank on the same day, and they admitted it was an error and I would be refunded the full amount in 10 days, XX/XX/XXXX. ( ph XXXX I called M & T Bank today, to confirm the refund which I was expecting but never received. They said they are preparing our refund now, and we should receive a check by XX/XX/XXXX.
This is creating a financial hardship. I gave M & T the permission to debit my checking account ( XXXX XXXX XXXX XXXX - XXXX, CA XXXX ) and they compromised our family financially through their incompetence.
I am attaching documents reflecting the closing of the first loan ( settlement ) and payoff to M & T Bank effective XX/XX/XXXX. And debit from my checking on XX/XX/XXXX.
|
| 02/03/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage on my home through M & T bank they put 2 parcels on my lot when there is only one. So after that happened my monthly payment went up over {$300.00}. I called one year ago today to find out why i paid double the amount if property taxes and not one person could give me an answer for over a month. I called back after another payment posted with the additional money and was told that i paid for 2 parcels and it was a clerical error and i would get my money back from the city at the end of the year! So i have to pay over {$3000.00} for their error and now the year is up and the payment has not went back down. I asked what would happen if i didn't have the extra {$300.00} a month in my account to pay for the mortgage and was told that my house would have been foreclosed on. Ive never ever received a formal letter from the bank explaining how they messed up. After a year i finally reached a breaking point and called my lawyer and he found it outrageous that this has happened. This is horrible for anyone to deal with.
|
| 12/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened up an account at M & T bank because this is the bank my wife banks at. I started the account with {$50.00}. The banker stated on the account that I was unemployed. I told him I didnt work in the XXXX XXXX as yet because I recently moved over but I still receive income from my XXXX job. They blocked the account a few days after I opened it. They told me I logged in from more than one device. I told them I did log in from more than one of my devices and I think I have the right to do that. I have been in the bank to try and sort the issue no help no results they kept telling me to call the fraud department when I called the fraud department they told me they cant do anything I have to go into the bank I recently transferred {$130.00} dollars to the account by mistake because the card is on my XXXX XXXX and now I have no access to my money they are saying I have to wait until someone reaches out to me Ive been waiting for a very long time with no results. I dont understand why this is happening in the very first place.
|
| 02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Our mortgage servicing company changed during our mortgage period. We were not aware of the change in companies. Our mortgage payment is set up on automatic withdrawal. Our payment went out on time every month and was received every month. The dispute involves our payment in XXXX, 2018. Our payment went out to the same place we had always sent it. The payment/check was received and the amount was deducted from our account. The payment was then returned to us in early XXXX and that was when we learned there was a new servicing company. We promptly made a new payment. I have attached copies of our bank records to verify our issue.
This is incredibly frustrating. When we appealed the report all that happened was that the current mortgage company confirmed they received the payment late. No one looked at our supporting documentation to show we were not late in making a payment, it just went to the old servicer. This should not reflect on our credit history as all of the payments were made on time and deducted from out account.
|
| 02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Our mortgage servicing company changed during our mortgage period. We were not aware of the change in companies. Our mortgage payment is set up on automatic withdrawal. Our payment went out on time every month and was received every month. The dispute involves our payment in XXXX, 2018. Our payment went out to the same place we had always sent it. The payment/check was received and the amount was deducted from our account. The payment was then returned to us in early XXXX and that was when we learned there was a new servicing company. We promptly made a new payment. I have attached copies of our bank records to verify our issue.
This is incredibly frustrating. When we appealed the report all that happened was that the current mortgage company confirmed they received the payment late. No one looked at our supporting documentation to show we were not late in making a payment, it just went to the old servicer. This should not reflect on our credit history as all of the payments were made on time and deducted from out account.
|
| 05/24/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
During our Chapter XXXX Bankruptcy, XXXX XXXX XXXX offered us a Trial Modification, we accepted. After the first modification payment our loan was sold to M & T Bank/XXXX XXXX XXXX. It came to our attention that there is an error on the Loan Modification Agreement. We contacted M & T Bank regarding the additional {$21000.00} that was added to the modication and we received a letter stating how they came up with the figure. ( See Attached ) During our Chapter XXXX bankruptcy, we were paying XXXX XXXX XXXX Arrearage, the amount paid to them was {$10000.00}. On a previous letter sent to me regarding my request for explanation of mortgage account it states the balance of the loan as of XXXX XXXX, XXXX was XXXX and the total amount due in your loan as of XXXX XXXX, XXXX is {$290000.00}. M & T was not the servicer on our loan in XXXX. We are concerned why the additional {$21000.00} was added to the loan modification.I have also included a document from XXXX stating that my balance on the loan as of XXXX/XXXX/XXXX was {$270000.00}.
|
| 12/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Hello -- My M & T Bank credit card ending in XXXX was flagged for suspicious activity on or about XX/XX/XXXX after making my second online purchase. I called the customer service number the bank provided a couple of days after the alert and reached a very nice representative that referred me to the fraud department. Upon calling the fraud department I waited on hold for over 40 minutes and was unsuccessful in getting in touch with anyone to resolve the issue. So I then decided to send a secure email to M & T Bank on or about XX/XX/XXXX stating that the purchase flagged was made by me and I was in possession of my card. I asked M & T Bank to remove the hold on my card. M & T Bank replied to my secured email asking me to contact the same fraud department phone number. I called the same fraud department number on XX/XX/XXXX as of the writing of this message and have been on hold for over 53 minutes and once again was unable to contact anyone to resolve the issue.
Any assistance you can provide would be greatly appreciated.
|
| 05/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My Complaint is one of FRAUD against XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX.
{$180.00}. was stolen from my checking account without my consent AFTER XXXX discovered HER M & T Bank Teller Made an ERROR and TOOK {$180.00} on XX/XX/XXXX to Pay my, XXXX XXXX XXXX 's Secured Credit Card Bill at the Bank Teller inside XXXX M & T Branch as I did every month. I had no idea the teller withdrew money from the Secured Savings Acccount connected to secure the Credit Card. Only my currently being applying for a new apartment and requesting my financial bank statement brought the matter to XXXX 's attention and on XX/XX/22 MONEY WAS STOLEN without my consent from my checking to REDRESS THE XX/XX/22 TELLER ERROR. I have FILED A POLICE REPORT of THEFT TO NO AVAIL. M & T Bank has REFUSED TO PUT MY STOLEN MONEY BACK and I am in Between apartments. I move INTO NEW APARTMENT on XX/XX/22 but am XXXX and have been ROBBED OF MY MONEY TO EAT AND LIVE. Today is XX/XX/22 M & T Bank are THEIVES OF MY MONEY> XXXX XXXX PLease HELP at ONCE
|
| 12/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XXXX XXXXXX/XX/2023 I deposited a check in the amount of {$10000.00} into my checking account. Prior to me depositing the check my account my was free to use and funds were available. After I deposited the check and the check cleared my account was locked and am to this day unable to access my funds. I checked with the person that issued the check, and the check has cleared her account. She has also written checks to other people that bank st M & T and there was no issue with their account and/or funds. I've been trying to get this matter resolved since XX/XX/2023 and have been told that only XXXX from the fraud department at M & T Bank can resolve the issue, but I have yet to hear from despite numerous phone calls and visits to M & T Bank. It is illegal to hold a persons funds without proper notification, and no one has been able to tell me why my account is locked. I feel like I'm being discriminated. At this point several of my bills are overdue and this has put me in financial hardship. I need this resolved ASAP.
|
| 08/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
Older American |
|
My checking account at M & T Bank had unauthorized transactions on XX/XX/2023. The bank notified me of suspicious activity on that day and I immediately contacted the branch to dispute the charges and cancel the card that presumably caused the hack. The total unauthorized charges were {$150.00}. On XX/XX/2023, {$35.00} of those charges were refunded by the vendor. On the same day, the bank issued a provisional credit of {$110.00}. At that point, the account was made whole for the unauthorized charges. However, on XX/XX/2023 the bank reversed {$35.00} of the provisional credits, leaving the account short in that amount.
I have called the bank and visited the branch several times, most recently today, to attempt to have the credits restored but there has been no explanation or action. I have received no further correspondence from the bank.
The 45 day period for resolving the dispute has passed, the provisional credits appear to remain provisional and remain less than the disputed charges with no explanation provided.
|
| 06/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
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We purchased a boat, trailer and motor, in XX/XX/XXXX it was paid in full in XXXX 2016. I then sold the boat in XX/XX/XXXX. When the purchaser went to register the boat and trailer he was told there was still a lien on the trailer. I made numerous phone calls to the bank and nobody could seem to help me resolve this. After being sick for the last 5 days about this including the weekend I finally went online and found with no difficulty that there was indeed an electronic lien despite the multiple times I was told it was released in XX/XX/XXXX. I finally faxed a copy of my last registration to their bank and it is now being released. I am sure this is not how customers are supposed to be treated. I understand they are a large bank but had I been in the wrong and not paid my bill they would have contacted me in a moment. I know the problem is resolved for me after much distress but maybe if somebody is educated about this way of managing loans it will prevent the next person from having to go through what we had to endure
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| 12/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
Older American |
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On XX/XX/23 i recorded a promotional balance transfer from XXXX XXXX ( another credit company that I have a credit card account with them ). I performed this balance transfer of {$130000.00}. XXXX XXXX XXXX a check to my M & T Credit Card and charged me a balance transfer fee. At that time of the balance transfer my balance on the M & T credit card was only about {$1100.00}. Once the balance transfer went through and settled my M & T credit card had a negative balance because of the overpayment. I contacted M & T lending office and asked them to transfer my over payment of about {$11000.00} to my M & T checking account. They stated we can not do that and we will send the original payment from XXXX back to them. Although this is not correct and the overpayment is my money I agreed to that. But its been 18 days and they still holding my money. I have contacted them numerous times to resolve this issue but every time they just apologize and stating we will send an email to the back office. Please help me to get my money
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| 09/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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On XX/XX/2023 I paid M & T Bank the payoff on my loan of {$14000.00} from payoff quote sent to me via fax. I called them next day to ask when title would be sent out. They told me ten business days! I argued all the way up the chain with no luck. I waited XXXX business days and called again. I was told XXXX business days of which I told them it had been. They put me on hold as I had ask to speak with supervisor. She told me it had been mailed that morning and could take 10 days to recieve. I blew my lid and ask if it was coming pony Express and should I be looking for a horse? She hung up on me!! 10 days really?? It has been 16 days now since payoff. They are holding my property! The supervisor tried to make me understand that a payoff using wire transfer would have been quicker than a bank account to bank account that I have used for the whole loan payments. I have spoken to FDIC, no help and Fereral Reserve, gave me this site. I had camper sold and the couple who purchased this, bank was waiting on title from me!
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| 07/16/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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It started in XX/XX/XXXX when I had to take XXXX from my employer due to medical issues. Which cause me not to work, I had then applied for a modification since I was falling behind and was approved on XX/XX/XXXX. During which I was not working because I was laid off on XX/XX/XXXX and was only relying on my XXXX income. I was during XXXX that me and my XXXX at the time had a divorce which once again was a financial blow. He then became ill and only relied on social security income. By that time I started a new job in XX/XX/XXXX and was also getting assistance from my XXXX XXXX. We once again applied for a modification and was approved in XX/XX/XXXX, but instead of getting an affordable rate it went up which caused our payment to go up. We made payments and just am not able to maintain the current payment with the income I bring in the social security income that my XXXX XXXX brings in. We then applied and got denied for assistance and now we have a sale date for XX/XX/XXXX and the lender is not willing to postpone.
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| 05/26/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
|
I was unfortunately the victim of scam from a holder of an Account at M & T Bank. The M & T Bank account was attached to my XXXX account as an external account. I had money transferred from that external account to my XXXX account on XXXX. On XX/XX/XXXX XXXX told me that the funds were in my account but still pending. On XX/XX/XXXX I received and email that the funds were debited from the external account and available in my account. I called the bank to confirm and was told yes they were. Now I have a letter dated XX/XX/XXXX that the account is closed and that they didn't get the funds from MT bank and so I am overdrawn. I have the account information for MT bank where the scam is taking place. This is also being reported to the Federal Trade Commission and the Banking Authority in Texas ( where I live ) as well as Florida ( where the scam people are located ).
The files I am uploading are on the XXXX side ( the only account that I can control and have access to ) but show that the funds were taken from MT Bank
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| 10/06/2023 |
Yes |
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
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I was behind in mortgage in XXXX because of XXXX I was offer a modification in XXXX. They gave me amount to pay which {$430.00} ( might not be actually amount ) so when I get my paper for my modification 6 months later they made a mistake on the amount I was supposed to pay which was {$510.00} so they told me I didnt have enough to close on my modification. So I continued to pay that amount and they giving me the run around that I was denied because I was short because they gave me the wrong monthly payment amount. So I then applied for homeowner assistance program which I was approved for {$24000.00} that would brought my mortgage current. When XXXX sent my payment my mortgage push my modification thru after me waiting for a year to get approved and I know longer needed. They gave me a modification with no paperwork didnt explain anything and change my loan and sent my payment back to XXXX. I called numerous times and they told me they would have someone call me and nobody knew why the modification went through.
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| 08/03/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American |
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We have a mortgage with M & T Bank and we have been approved for a modification under the HAMP program ; We are grateful for that, however M & T Bank assigns the mortgage to XXXX XXXX XXXX XXXX, and XXXX becomes the servicer of the loan, albeit on a temporary basis.
Our complaint is that M & T Bank, throughout the HAMP application process and subsequent to successful completion of the HAMP Trial Period Plan, continues to sendout letters and account statements reflecting not only inaccurate financial figures, but also a veritable " blizzard '' of mailings that hit us as very intimidating, alluding to potential foreclosure proceedings. Since M & T Bank has assigned the mortgage to XXXX, they are technically no longer the loan 's servicer, and should not be sending such mailings.
After much angst caused by the intimidating mailings, calls to XXXX result in our being told to just ignore the M & T Bank mailings, despite that many of the mailings specify that we must respond in writing within a certain time period.
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| 09/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
I started a custodian savings account for my granddaughter On XX/XX/XXXX From peoples Bank there was {$460.00} in the account M & T Bank took over XXXX Bank and I received no statement till XX/XX/XXXX The balance in the account was {$410.00} which they were taking {$7.00} out each month for a service charge on a custodian account which they were not supposed to. I have called the XXXX number between XXXX and XXXX times. Getting absolutely nowhere. Talked to a supervisor XXXX XXXX XXXX weeks ago and she was supposed to return my call the following Monday six Mondays have gone by and I still havent gotten a call back. I have called the bank once a week for the past several months. The account should have {$470.00} in it and after XXXX phone calls they did reimburse three or four months which brought it up to {$430.00} they still need to Reimburse the account for five more months of service charges. I would appreciate your attention in this matter.
I have copies of pass book and statements I wasnt able to attach.
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| 07/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
My mom died XX/XX/2017. She willed the house to my niece and nephew. We had filed a complaint prior to this one. The mortgage company ( M & T Bank ) was suppose to help my niece and nephew assume the loan. We tried making payments but they sent them back. First they said they had to be from my mom and dad who were already dead. Then as they were sending the payments back they were saying we were in default. Now supposily they are saying my niece and nephew have the loan in thier names they are still following through with foreclosure. How can they foreclose if someone has already assumed the loan. And try to foreclose while at the same time they are suppose to be helping. It's a fraud ... ... ... And all this because my mom died. This is not right and for them to foreclose on a home that they were supposily helping us modify the loan on is very illegal. We need to stop the foreclosure. We are low income and my niece and nephew are on SSI. We can't afford a attorney. Please help us. This is our second complaint.
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| 08/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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On XX/XX/XXXX my business account at M & T was restricted for unknown reasons. I could not access funds and my debit card was cancelled without warning. After calling customer service, they explained that I should have received a letter and had to go into a branch regarding standard US Patriot Act Verification, which I had already addressed within the branch on XX/XX/XXXX in person and was told all is good. The customer service agent called the department that handles this and was told that the local branch at XXXX put the restriction on the account. After arriving at that branch, they did not know what it was for and had to call the department that handles these issues, despite being told the branch could solve the issue. 45 minutes in the branch and they were still on hold when they said they would follow up with me. Eventually, 3 hours later someone called and said it was taken care of. However, my debit card appears to be closed permanently. I still have no idea what led to all of this suddenly happening.
|
| 07/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
M & T Bank is using escrow ( Tax, and Insurance ) tactic fabricate default of my mortgage, while increasing my monthly mortgage payment from {$860.00} to {$910.00} ; A the same time M & T Bank has refunded escrow excess of {$980.00} within the past 12 months. M & T Bank also claim that I have a default mortgage balance of {$2700.00}, given the fact that I have consistently made mortgage payments of {$870.00} for the past 15 months. I've called them about this discrepancy, and they continue to ignore my inquires while saying its due to changes in my Taxes and Insurance. I vehemently disagree, my real-estate Tax does not change given the fact that I have 20 year Tax abatement with the city of New York ; I currently on year 13 of that tax abatement. In regards to Insurance, I have sent evidence of my home owners and condo insurance to M & T several times. Mortgage premium and the default increase is unfounded ; I have express this to M & T but rudely treated with collection tactics and told to pay excess amount.
|
| 02/20/2020 |
Yes |
|
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|
Web |
|
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I am enclosing XX/XX/2019 dated fax from M & T Bank regarding instructions to wire Payoff to the Closing Attorney. This fax from M & T Bank " clearly states '' that wire transfers received in our office no later than XXXX EST to be processed the same day.
The payoff amount wired was received on XX/XX/2019 and it should have reflected " Paid in Full '' no later than XX/XX/2019 and " NOT '' XX/XX/2019.
M & T bank fraudulently started Foreclosure proceedings on reference subject complaint on XX/XX/2019 when they actually " had full payoff amount '' of the subject mortgage, and their excuses are nonsensical as to why the payment wasn't posted on XX/XX/2019 when in fact they did not post payment ASAP.
In addition, M & T bank has " NOT '' given within Sixty ( 60 ) days of payment of payoff received to XXXX County, GA Superior court a Satisfaction of Paid in Full to Release Security Deed as required by Georgia State Laws. I have sent a certified letter to M & T Bank requesting Liquidated Damages per Georgia Law.
|
| 06/12/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Due to hurricane XXXX in XX/XX/XXXX, the federal government placed a disaster area where my primary residence is located. The mortgage company placed a moratorium on the monthly mortgage, which was required by federal government because of natural disaster XXXX.
The past 6 months or more the mortgage company told me to apply for modification and no payments were allowed to be paid at the time of loan modification. Mortgage company begin reporting late payments to credit report.
Mortgage company informed me that I did not qualify for loan modification because of income not higher enough to cover monthly debt.
My income level is the same or maybe a little more than before the disaster. The federal government, HUD, mandated in XX/XX/XXXX, that any persons who are able to show proof of income levels being what there were before the disaster and can afford to pay the original monthly mortgage, should automatically receive a partial claim through the mortgage company.
This option was not offered to me.
|
| 08/26/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Im not able to open an account due to a check I had no idea about. I was young and not thinking about why I would receive a check in the mail. I placed the check in my account and I waited three days like the teller told me before I could remove any funds. After three days I went to the bank to find out that the account was onhold/closed due to a fake check. Ive been trying to resolve this problem for the longest time. I had to cancel my direct deposit and wait for the money that was in the account already to be released to me by check in mail. I currently have a prepaid card that Ive been using since then. Im working on building my credit and hopefully will be buying a house. I cant do any of this if this matter is not resolved. I ask that it be removed off my credit and that I have a second chance. I call XXXX and had the report mailed to me so that I could find out why I cant get an account in my name. I filed bankruptcy in XXXX 2012 it was discharged in XXXX 2012. I believe this was included as well
|
| 07/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX, I signed up ( applied and approved ) for an M & T Checking Account ( XXXX XXXX ) using a nationwide promotion. The promotion stated that I must open their account and enroll in XXXX XXXX and receive a direct deposit within 90 days to receive a {$250.00} promotional bonus. The deadline to sign up was XX/XX/XXXX. I successfully received a direct deposit on XX/XX/XXXX in the amount of {$1500.00}. After waiting beyond the payment of the bonus period, I reached out to customer service via chat on XX/XX/XXXX. They never got back to me as of today ( XX/XX/XXXX ). I called the customer service line ( on XX/XX/XXXX ) to request the bonus ; however, they stated that I did not receive the bonus because I did not maintain a minimum balance of {$500.00}. This was not part of the original terms and has not been a part of any of the more recent M & T promotions either. I believe the {$500.00} minimum balance was not disclosed to me and possibly added after I believed I had completed the requirements.
|
| 03/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
We have a joint checking account with the M & T Bank ( the routing and account number are XXXX and XXXX, respectively ). The bank blocked us to get access and/or transfer money last XXXX without any reasons or notifications. Now, we could not pay our bills on-time through this account, which may significantly affect our credit scores and mortgage ( or credit cards ) applications.
We called M & T Bank to resolve this issue on XX/XX/XXXX. We also asked the managers in security department and the local XXXX officers why our account was blocked.
However, none of them was willing to tell us why. They kept asking us to call another number ( such as XXXX, XXXX, XXXX, etc. ).
After many hours of calling different officers, M & T Bank still have not provided us a reason why our account was blocked nor resolved the issue.
In addition, we have requested XXXX XXXX XXXX to represent us to contact the bank. He has also failed to resolve this issue.
We will be grateful if you can help us to resolve this issue.
|
| 10/17/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
{ ****The loan did not close M & T Bank Refuse to refund the money $ XXXX }.
M & T Bank, Per your request the rate today is 3.75 % for a 15 yr. term on a VA Refinance . Your Closing cost is estimated between XXXX which was included in you loan.. ( ****The only upfront commitment fee M & T Bank requires at the time of application is {$270.00} by visa or MasterCard the day you apply. That is part of your closing cost and will be credit towards your closing cost at your final closing****.. } VA will charge .50 point to your loan unless you are a XXXX veteran.. The fee will be XXXX and again I have included that into your loan as well ... Your total interest saving will be {$21000.00} and your payment will be XXXX less per month for a 15 yr. term.. Your new payment will be {$1300.00} includes Taxes and insurance.
Let me know if you have any further questions..
Thank you.
XXXX XXXX Mortgage Consultant XXXX # XXXX M & T Bank XXXX XXXX XXXX XXXX, NY XXXX XXXX x XXXX Fax ( XXXX ) XXXX XXXXXXXXXXXX
|
| 10/02/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My Daughter was about 4 months behind on her home mortgage payment.
When I found out about it. I contacted her mortgage bank. I inquired as to the amount required to bring the loan back to current status.
The Bank XXXX M & T Bank Correspondence Address : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The amount on the statement was XXXX $ mailed to her.
Talking to a XXXX XXXX from M & T Bank. He told the actual amount needed to bring the the mortgage back to current was XXXX XXXX This amount includes 4 months of back payments, plus the next month payment of XXXX $ for XXXX of XXXX.
So I payed XXXX on XXXX XXXX XXXX by Electronic Bank to bank transfer directly from my checking account.
Each monthly payment is XXXX XXXX
Either Friday XXXX XXXX or Sat. XXXX XXXX my daughter gets another Mortgage statement from M & T Bank. It states she owes one back payment plus the payment for XXXX. This is not correct, because the amount to bring it to current status was already paid in full. Days earlier.
|
| 04/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
Closed account with XXXX XX/XX/XXXX which I did not know there was a line of credit balance until I received a letter XX/XX/XXXX stating my line of credit payment was past due.
Received a statement XX/XX/XXXX with a balance of {$530.00} which I did get a {$25.00} late fee waived. After speaking with a representative from XXXX and they told me my balanced to pay in full would be {$530.00}. I sent a check for {$530.00} XX/XX/XXXX which was posted on XXXX
I thought the Line of Credit was closed out as I didnt receive any statement for XXXX. XXXX I received a statement stating my new balance was {$86.00} which is Late Fees and Interest and states my previous balance was {$590.00}. Then XXXX I receive another statement stating my new balance was {$87.00}.
I feel XXXX is taking advantage of the loan and charging interest and late fees and when the line of credit was paid off.
This is unfair to my husband and I as we are seniors on a limited income and the banking industry is robbing their clients.
|
| 03/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Hello, I applied for the M & T credit card on XX/XX/2018 via an offer sent to my email. It was a promotion that I am eligible for the credit card. It should also be noted that I have a bank account with M & T Bank. After a few days, I get a call from M & T bank and I confirm my citizenship status. I ask the person on the phone that whether there is anything you need. They say no. I don't hear back and I call M & T to get to know what is happening and they say my card is rejected as I am not a US citizen. I have a few cards with banks and I have never got rejected based on that. Let 's say the bank doesn't offer cards to non-us citizen, why did you send me an offer? isn't my information in your system. My credit score and time has been affected because of this. I have a letter from the bank and the only basis they reject my application is based on my residency. A preoffer condition depends on credit risk not factors that can't change. I am very sorry to say but this is a fraud on M & T Banks part.
|
| 12/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I made several purchases again from XXXX. ; XXXX posted as normal and for some reason XXXX posted late and caused a bank charge of {$38.00}. There is another bank charge for a car loan that I missed a deposit which is my fault but they charge another late fee {$77.00} total. I have no control over when items post. I understand that but there has to be exceptions. The money was there but the posted thing is hard to understand. I am on a fixed income and there is no more until XXXX. How about stopping this {$3800.00} until then so I can have some money to live with for next month? You have made plenty in fees this month. This is my last not to customer service : " Regarding account : XXXX - I understand that but there has to be exceptions. The money was there but the posted thing is hard to understand. I am on a fixed income and there is no more until XXXX. How about stopping this {$3800.00} until then so I can have some money to live with for next month? You have made plenty in fees this month. ''
|
| 01/10/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I did a consumer credit transaction for the purchase of my home however I did not receive a meaningful explanation of the credit terms and I did not receive my right of rescission notice with rescission forms which are required material disclosures under federal consumer credit protection laws. This violated my rights under the Truth in Lending Act 15 USC 1635. MANUFACTURERS & TRADERS TRUST/ XXXX XXXX are the assignee 's of this alleged obligation and pursuant to federal law 15 USC 1641 ( c ) I have the right to rescind the consumer credit transaction against any assignee of an obligation. On XX/XX/2021, I, the consumer, exercised my right to rescind and rescinded this consumer credit transaction against MANUFACTURERS & TRADERS TRUST/ XXXX XXXX XXXX On XX/XX/2021 MANUFACTURERS & TRADERS TRUST/ XXXX XXXX received my affidavit and rescission of the consumer credit transaction. I have attached copies of the certified mail receipt and green return receipt for proof of delivery of rescission forms.
|
| 04/29/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
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On XX/XX/XXXX I filed a complaint about m & t Bank not paying my insurance and my policy being canceled on XX/XX/XXXX. On XX/XX/XXXX m & t Bank responded saying if the ins did not pay they would take responsibility. I have called XXXX twice and she will not return my calls. I stopped making payments and now the loan is in default and they still refuse to take responsibility for the house which burnt down on XX/XX/XXXX. I will not make another payment on this house until they take responsibility for not paying my home owner 's ins on time. My previous claim # is XXXX. This still has not been resolved and I have not been contacted and it has been almost 2 mos. The house was broken into XXXX, after I went and had it secured. I will no longer take responsibility for this. I DID NOTHING WRONG. If this is not addressed within the next 10 days I will reach out to the state attorney General and I will file a complaint against both M & T bank and this consumer finance for not assisting in this matter.
|
| 01/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I opened the account with XXXX XXXX, where they told me that there is not monthly charges for the account with FREE checking. It was that way for a while. Then M & T bank acquired the XXXX XXXX. My account moved to M & T and they honored the term for years.
I find a monthly fee ( {$2.00} ) for getting monthly paper statement suddenly. I have sufficient balance and bank is not paying interest for my account. There is no interest option with this bank.
I asked them to waive my monthly fee or provide quarterly paper statement instead of monthly. They did not honer my request.
They are asking me to signup for electronic delivery and forgo paper statement to waive the FEE. When I review this option, it is asking to me sign up to receive all bank communication electronically. I am not sure, it is a good idea. I need docs for records.
I am not sure, shifting of making the statements to customer fair/helpful.
I need your help to get my paper statements without any FEEs.
Regards XXXX XXXX
|
| 09/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Servicemember |
|
I have a basic checking account with M & T bank, I went to XXXX to pick up some things using my M & T debit card. My balance was XXXX dollars short unbeknownst to me at the time. Nonetheless, in stead of declining my transaction as it should have, it went through despite me explicitly refusing the overdraft feature for my account. I was then assessed {$38.00} for the overdraft fee and an additional {$38.00} for the account being deficient for 5 days. I 've noticed M & T does n't post monies to my account when making deposits on Friday prior to XXXX or XXXX. The entire weekend my deposits within these time frames sit idle and when Monday comes around they post outstanding items first as opposed to deposits to charge fees on accounts with pending deposits that have yet to post with outstanding check or debit card purchases. This has happened to me twice now. I 'm amending case # XXXX and requesting that all monies taken in the name of fees {$80.00} in this instance be returned immediately.
|
| 03/06/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have made a total of {$12000.00} in payments to M & T Bank in order to complete a loan modification. After making these series of payment my principal amount of mortgage went from {$300000.00} to XXXX with no accounting of the {$12000.00} worth of payments I made. I do not have confidence this was handle properly due to the COVID crisis and this being a VA loan. I am asking you for help to find out if this was handled properly.
*Also, I do not believe my new escrow amount was calculated properly. I have two exemption benefits that total $ {$60000.00} homestead/Disability. I have been transferred to multiple different reps advising me they have calculated those exemption into my new escrow and several has said they do not see those exemption. I have notice most of these reps are working for home and are acting as such. They do not seem to be focused on their jobs cold transferring me to one rep to another having to rapidly ask the same questions over and over without getting finality
|
| 12/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Older American |
|
On XXXX/XXXX/2016 I deposited XXXX XXXX $ dollar bills via the atm at the M & T Bank in XXXX Pa. XXXX. I could clearly hear the machine malfunction. It kept the money and dispersed a slip telling me to come into the branch during business hours the next day. I did and they told me they would have a technician look at the machine and have someone from their security department view the surveillance video, they issued a provisional credit for the XXXX of XXXX/XXXX/2016 nothing has been done and I was told at the bank yesterday that they would reverse the provisional credit on XXXX/XXXX/2016 I 'm out the XXXX. I was also told that no technician has looked at the machine or the video as of yesterday. M & T has had a whole month to investigate this matter and they have n't I was also told yesterday that on the day of the deposit that the machine balanced out so they do n't know where my money is. At this point the only conclusion I can come up with is that there is a theft involved here.
|
| 02/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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M & T Bank is my mortgage company. Loan # XXXX. My property address is : XXXX XXXX XXXX XXXX XXXX, CT XXXX. I fell behind in payments after my divorce in XX/XX/XXXX. I did a work-out sheet for monthly payments of {$2900.00} for 6 months. My regular monthly payment without the repayment plan is {$1300.00}. I could not make my XXXX payment with only 3 months to go because my fiancs mother took sick and she ( XXXX XXXX..fiance ) had to take care of her mothers medical needs which caused our income to plummet. M & T didnt offer me another work our packet and stated that Im yet having another crisis. Now Im being sued and my home is in the beginning of the foreclosure process. I have a return date for the Superior Court of XX/XX/XXXX. My ex wife did a quit claim deed so she has nothing to do regarding the property. I want to keep my house. Since I work full time M-F from XXXX-XXXXXXXX it would be advisable to call my fianc XXXX XXXX @ XXXX to answer any questions in my behalf. Thank you
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| 11/16/2023 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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I received a collection notice from my township in the mail on XX/XX/16, stating that our property taxes had not been paid and that additional late fees had been added. After contacting the property tax/escrow department at my bank and mortgage lender ( M & T Bank ) they informed me somehow in their department they entered an E instead of a D for the parcel number ( despite being provided the correct documentation and number from my end ). They used MY escrow to pay for an adjacent Unit 's property taxes. A person in the department submitted a tax delinquency form which will take up to 14 days to review. It is not until after that, they said, that I can then try and submit claims/paperwork to get the penalty fees paid for or submit a complaint.
This has now taken me over 24 hours to figure out, something the bank was not even aware of until I called. And now will resort to weeks of stress and additional phone calls/emails that I have to deal with all because the bank messed up.
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| 07/07/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Someone stole my debit card and other personal information from the mail and used it to make purchases at XXXX XXXX and XXXX XXXX while I was at my workplace. Both purchases were in excess of {$900.00}. I immediately notified M & T Bank that I had not received a debit card and that I did not make the transactions ; and did not authorize any other person to make such transactions. The next business day after I notified M & T Bank it denied my claim because it said the debit card and XXXX were used to make the purchases. I have learned that M & T Bank can not legally hold me liable for transactions I did not make ; despite the fact that a debit card it issued to me ( which I never received ) and XXXX ( which is part of my SSN ) were used. Please see the Electronic Fund Transfer Act. I want M & T Bank investigated and held liable for its denial of my claim in violation of the law. I am in the process of contacting lawyers and getting assistance in filing a case in the DC XXXX XXXX.
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| 01/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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One XX/XX/XXXX I made my XX/XX/XXXX mortgage payment in the amount of {$1400.00} to MandT bank. They cashed this check on XX/XX/XXXX which was deducted from my checking account. I have a copy of the check from the bank that shows MandT cashed it as well as my bank statement that shows the withdrawal. MandT reported to the credit agencies, XXXX and XXXX that my mortgage was past 30 days late. I contacted MandT to get this resolved and have not received a resolution. I filed a dispute with XXXX and XXXX and provided proof from my bank and my bank statement that shows the check was cashed 6 days later.
On XX/XX/XXXX XXXX finalize their dispute which indicated that MandT verified that the information they submitted was correct. I don't believe that XXXX reviewed the documents I mailed in regarding my dispute if so how in good faith could they have accepted the verification from MandT bank. MandT bank clearly falsified this information which has now impacted my credit score.
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| 09/29/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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I have 3 accounts with M & T bank. They recently put a hold on all of them. They suspected fraud when I sent a certain amounts of money. I called and told them it was not fraud and to cancel the dispute/investigation process. They refused and said they are closing all my accounts and that I am restricted from accessing my own funds. I cant even go to the bank and take money out. Shouldnt have to wait until that is over, if my accounts are closing regardless then they need to let me just get my money now then. Im a single mom, have XXXX children to take care of currently homeless in a shelter and no income. Its ridiculous why I am still waiting. I just want access to get my phones take out my money and go elsewhere while they investigate whatever they need to and close that account. The account needs to be at XXXX balance anyway for it to be closed so they just keep giving me the runaround about my money and refusing to let me just go to the branch and take all my money out!.
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| 07/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Older American |
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On XX/XX/2021 I attempted to cash a USPS money order on my account at M & T Bank, XXXX, Maryland. I have submitted a complaint about the indefinite hold on my funds.
This complaint is to address M & T Bank 's patently false and misleading statements regarding the availability of my funds in its offensive written communications, its app and website.
Although I deposited a USPS money order, my funds are being held indefinitely while M & T treats me as a criminal and does a " fraud '' investigation. Yet, on both the app and website it states that my funds are available. They are not! This is patently false and misleading as nobody can tell me when my funds will be available. Moreover, I received an extremely offensive letter from M & T misinforming me that my funds would be available in five business days.
Ironically, while treating me like a criminal, M & T is actively providing false and misleading information about the availability of my funds on its app and website.
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| 09/16/2017 |
Yes |
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- Trouble during payment process
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Web |
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Paid full amount of mortgage to XXXX on XXXX/XXXX/XXXX.
XXXX assigned my mortgage to M & T Bank.
As of today XXXX/XXXX/XXXX this payment has not processed.
Hours have been spent on the phone with multiple representatives and one will say it looks like it should process tomorrow - it never does.
One rep tells me I have a 60 day grace period when my mortgage is reassigned, another says I will be late on XXXX/XXXX/XXXX at XXXX pm.
Today XXXX/XXXX/XXXX a representative says she sees no payment and wants me to pay again. XXXX is the confirmation number I was given today. Im very worried that the payment already made may still post, resulting in double payment. Im also concerned this very unprofessional and disorganized process could cause a late payment and I am never late. Three weeks and the money is still in my account. Well see what happens after my second payment today. If this were my company, at least 3 rude, impatient and incompetent representatives would be fired.
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| 09/20/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American, Servicemember |
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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.
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| 06/12/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
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Web |
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The compan y is M & T Ban k. They are not any other similarly named banks but they do have addresses i n four differ ent states and/or cities. I have what I believe they designated as a commercial loan notwithstanding the loan is in my individual name. I sold my property on XXXX XXXX and am scheduled to close XXXX XXXX . All closings take betwee n 30 and 45 days to close. I got the payoff letter today from the attorney closing the transaction. M & T Bank is refusing to release my tax escrow saying that they will " handle that separately '' af ter the closing. They also charged me XXXX for not asking for the payoff letter 60 days ago. Neither of these practices comply with standard banking procedures. Since I have to give the tax escrow to the buyers at the closing and it is almost XXXX I will be out approximately XXXX all together and will be at the mercy of this " bank '' if and when I get my tax escrow back. I anticipate further bogus fees in that regard.
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| 05/10/2023 |
Yes |
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- Trouble during payment process
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|
Web |
Servicemember |
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I have tried to make mortgage payments online in the past, but the online portal periodically does not work. When I called the mortgage company on XX/XX/2023, I was told my account was behind, they could only take two payments, so two payments were scheduled for draft on XX/XX/XXXX. They did not occur. On Monday XX/XX/XXXX, a week after the XXXX, I called the mortgage company to inquire on why the payment had not gone through. I was told that they were unable to ( for unknown reasons ) and that I needed to wire {$10000.00} via a XXXX XXXX to a trust fund before XXXX that day. I explained that I wanted to pay ALL money owed immediately, right now. They said my account was now in foreclosure and that I had to go to a XXXX XXXX and make a wire payment before XXXX. When l asked for a letter, email, or other form of written instruction, I was told they could NOT provide any as per policy. I was to call from the XXXX XXXX and receive VERBAL INSTRUCTION ONLY.
Please assist.
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| 09/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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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.
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| 11/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
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|
Web |
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Under the leadership of the Consumer Financial Protection Bureau ( CFPB ) s newest director, XXXX XXXX, the agency is trying to radically reshape the American financial services sector by breaking time-tested bipartisan norms and skirting the agencys legal authority.
By attempting to change rules without accountability, the CFPB is creating uncertainty that will harm consumers by causing financial companies to adjust the types of mortgages, car loans, and personal credit they can offer.
XXXX M & T Security Attacked my Service Animal on XX/XX/2022, We are both Terminally Ill, also the bank constantly has people outside who use drugs and the building is covered in Graffiti/Or XXXX Related Public Statement Caused by Other Problems I am willing to resolve.
However I ask that the bank operates only for vegetarians leading to vegans so better represent the XXXX XXXX.
Please take more steps to eliminate hardships and recognize celebrities when they visit the premises.
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| 01/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
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The bank locks me out of my account for putting in proper login information and password. When there website continues to crash and not accept the login token because its not compatible with XXXX or XXXX. When you get sent the sms text the web browser crashes. Then I repeated this three times and the website kept crashing When thru the website reset process. It required me to login, put the account password, enter my social security number and then my debit card number and pin number. The website had all the correct information and i am still being locked out by the M and T Bank.
When I called customer service. I got a rude male representative who was not willing to go thru the steps to unlock my account and demanded to have some sort of power control over me. By accusing me of things that where not true. Then he wanted me to acknowledge him in a power control way and when I repeated to him are you going to help me unlock my account or not her refused several times.
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| 12/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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Shortly after opening my account with M & T bank and funding the account they suspended my bank to bank transfer ability. Over the course of 7+ phone calls with three departments spanning more than a month, they continually told me that my account would be suspended 'by the end of today ' or 'by close of business tomorrow ' and they continued to not make good on this promise. Then after 4 weeks, last week ( the week of XX/XX/XXXX ) my bank to bank transfer was suspended and I was able to transfer money in. Right as I tried to transfer money out they refroze my account and are continuing to tell me 'it will be resolved by the end of the week '. They are refusing to let me transfer out thousands of dollars and won't even let me close the account. Their actions have created a large financial strain for me and they have continued to not make good on their promises to unsuspend my account, while letting my transfer funds in and refusing to let any funds be transferred out.
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| 09/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
My access to M & T Accounts was " locked out '' via XXXX, Mobile Banking and On-line banking. I contacted the bank multiple times, wasted over 2 hours last evening with multiple resets and being locked out each time again. Last time I was told it was fixed and to wait 20min and try again and it would work. It locked me out again and of course they closed 20 minutes after I was told this ( they just told me nicely where to go ). They are shutting down their entire system for the weekend to " upgrade '' If this is not fixed today, I will be without banking for 6 days. How do I pay my bills, who pays my late fees? I have spoken with many reprsentatives, they don't know how to fix it. I have tried to contact their corporate offices, but they have effectively removed every means to contact this office. It is easier to contact the white house. This is no way for a bank to operate and some one has to reign them in and take care of their obvious issues.
XXXX XXXX XXXX XXXX
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| 04/30/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Once again M & T Bank 's use of the merchant website XXXX apparently run and handled by XXXX XXXX of M & T Bank is in our opinion an abject and total failure. Every single time we need to login it either does not accept our password, or the multiple idiotic " verification questions '' which seem to change or be altered each and every single time. When we have complained out of frustration to XXXX XXXX, we are met with her derision, arrogance, insults, veiled threats, haughtiness, and plain old XXXX poor customer service. This problem is especially egregious because we have just today received a credit chargeback ( on a Saturday ) which is time-sensitive otherwise they will remove probably tens of thousands of dollars from our account. In addition, the " forgot password : feature does not work either because it does not recognize the temporary fake answers to the questions that XXXX XXXX placed in when we complained last time. Please urgently investigate and advise.
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| 10/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Servicemember |
|
On XX/XX/XXXX XXXX sent a registered security with a XXXX to the trustee of XXXX XXXX XXXX ( XXXX XXXX ) for my rent it was stamp and it was sent registered mail. I included a letter of instruction. My registered security was endorsed according to 31 CFR 328.5. I instructed them to send my funds through my XXXX account and gave them my account number you will see the instructions in my attachments. The trustee 's address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Minnesota XXXX. I requested that they securities my security and to send me my tender. I never received the XXXX part B neither did they clear up my account. It they sent the XXXX to the treasury they have committed Fraud. My address is c/o XXXX XXXX XXXX XXXX XXXX Florida [ XXXX ] XXXX & XXXX XXXX XXXX THE PAYMENT SITE WITH THE ACCOUNT NUMBER A FEW WEEKS AFTER I SENT THE SECURITY. THEY CAN FIND ME BY MY ADDRESS.
All rights Reserved, void where prohibited by law signed XXXX XXXX XXXX XXXX
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| 12/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Older American, Servicemember |
|
I was in the process of hiring XXXX XXXX XXXX, XXXX to do a new concrete driveway at my house at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. All communications after visit to site on XX/XX/22 were via email and phone calls from XXXX XXXX. I have emails dated XX/XX/22 - XX/XX/22. The actual scam began on email dated XX/XX/22 when what appeared to be XXXXXXXX XXXX message saying they would work my schedule after my walkway work was completed but they would need 40 % down which I sent via XXXX ' through my M & T Bank account. Since I had been communicating with XXXX via emails and text messages, I was led to believer it was actually him. It wasn't until XXXX when I got a message from XXXX XXXX XXXX saying their email was hacked and not to respond or send money to anyone.
I have the emails and some text messages. Please help. I called my bank fraud line and filed a claim which they denied. The amount of the fraud is {$2300.00} sent via XXXX XXXX M & T Bank on XX/XX/22.
|
| 02/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
1. Account was opened and funded with {$5500.00} initial deposit under the Business Checking Account promotion for the Tailored Business Account ( which will be attached below ) on XX/XX/XXXX. There was a link I clicked and no other offer code or value to enter anywhere on the online application.
2. Offer prerequisites of maintaining a minimum daily balance of at least {$5000.00} for 3 month duration were completed on XX/XX/XXXX. I received no interest during these 3 months.
3. I called and the agent confirmed that the disbursement of the offer should occur in the coming days. ( representative XXXX XXXX on XX/XX/XXXX.
4. Wrote secured message to XXXX, on XXXX XXXX who denied that the offer has been applied and I had to go into the branch to talk to a manager, despite having been told otherwise a week prior.
5. Call customer service to clarify on XX/XX/XXXX, and escalated to supervisor who was unable to provide any resolution other than provide an apology.
|
| 01/12/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
2 years ago I went into a payment program when the house was going into foreclosure. I was not able to get the final payment in and was 3 days late they would not accept it till you called. It almost went into foreclosure again last winter but was able to pull out of it. They never disclosed to me there would be evaluation fees involved so two years later I receive a bill for {$470.00}. This is clear extortion of the customer and they will not waive the fees they never told me about. This bank has a history of this behavior and it needs to stop. We are current on this account and for the first time in a long time we are financially sound but can not afford for the bank to continually charging fees that we were never told about. This financial institution needs to be fine heavily and continuously and this will stop. please contact me for further details at XXXX. I want these fees waived and they need to be held accountable because this is more than ridiculous.
|
| 05/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We are trying to work through the process of trying to close on my Aunt 's co -op, located in the neighborhood of XXXX . For several weeks our attorney has tried to get the official pay off documents so that the closing can move forward. It 's not a complex process because our buyer is offering cash for the deal. The bank has stalled and delayed and stalled to the point that we are going to lose this buyer and have to begin the whole process over again. Considering how hard it is to find a buyer who is approved by the Co-op board, we would like to avoid thi s. M & T Bank ha s been of little help. We get excuses. We get promises and still we wait. The bank simply says, " well, we 're waiting on the paperwork from this person or we 're not sure where the document is. '' Meanwhile we are getting a financial hit because we have to continue to maintain the property, maintain the utilities and pay co-op fees. We, including our attorney, are frustrated. HELP!
|
| 01/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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We have a mortgage with M & T Bank for our property located on XXXX XXXX XXXX in XXXX XXXX, California. I send monthly mortgage payments thru online banking with XXXX XXXX XXXX. The XXXX remits payments within the first 3 days of every month. However, M & T Bank keeps sending statements with late charges. I called M & T Bank in XXXX XXXX, and asked about late charge. According to the customer service person, the payment for XXXX, XXXX was late. They give only 10 days grace period. So I sent them the complete payments record for the last 6 months. Non of those payments were late.
So they remove penalty in XXXX payment, but then added new penalty in XXXX XXXX statement. My wife called M & T Bank and the person on phone XXXX XXXX XXXX said he needs records for the XXXX XXXX and XXXX XXXX payments. Attached you will find copies of those records from the XXXX XXXX XXXX. I already sent these records to M & T Bank by fax, but they have n't removed the penalty yet!
|
| 09/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Mt bank Hi ; I need to open a dispute/chargeback for 3 transactions made with my XXXX debit card ending in XXXX. The seller never sent the merchandise to my address and also never provided any kind of tracking or delivery information, also I tried to contact the merchant to get that information but they never answered or replied the several calls and emails I sent to them.
Transaction 1 : XXXX, posted on XX/XX/XXXX, It was a tablet XXXX XXXX, must be delivered on or before XX/XX/XXXX.
Transaction 2 : XXXX, posted on XX/XX/XXXX, It was a Tablet XXXXXXXX XXXX XXXX must be delivered on or before XX/XX/XXXX.
Transaction 3 : XXXX, posted on XX/XX/XXXX, It was XXXX table accessories, must be delivered on or before XX/XX/XXXX All the goods must be sent to my address on profile, XXXX XXXX XXXX, apt XXXX, XXXX PA XXXX The seller never provided a tracking number or delivery information, I tried to reach them several times by phone and email without any answer.
|
| 09/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/22, I called M & T bank in an attempt to close all my existing accounts. I was told my account was inactive, which is fair since I haven't used it in awhile. I was put on hold while a supervisor helped me unlock my account. Then I was told the account can not simply be closed, but instead I had to decrease my balance to {$0.00} first. I went onto XXXX in an attempt to buy a gift card with the remaining balance in my checking account of {$0.00} and the transaction was declined. I attempted again and this resulted in another decline. In my final attempt to clear my balance, I tried logging into my account after I confirmed my username and used a temporary password the phone operator had given me. I still can not log in. I just can not believe the resistance I had to push through which ultimately ended up in failure. It is pretty ridiculous I have to contact the CFPB and waste everyone 's time when all I want is to simply close all my M & T accounts.
|
| 07/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I recently received a letter with a refund check from M & T bank. It said " On XXXX XXXX, XXXX, the Consumer Financial protection bureau published an order related to certain M & T free checking and totally free checking account open between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. '' And based on the order, I was eligible for a refund of {$56.00}. But {$41.00} has been applied against the overdrawn balance currently outstanding on the account. BTW, this account was closed in XX/XX/XXXX and I was n't aware of overdraft status. Based on a phone call with a bank representative, this overdraft status was resulted by the charges that the bank was order to refund me ( there was {$14.00} charged four times ) and the account was n't closed properly. I feel that it is unfair that they charged me with unfair charges to begin with, then took the refund away from me due to the overdraft charges resulted by these charges. I called them and they deny any of their wrongdoing.
|
| 12/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Im not sure if this is where I should take this, my daughter bought a business and my wife and I co-signed for loans because of being young and limited credit, this was XXXX, in XXXX her business failed, so knowing We had co-signed I took a home equity loan and paid the loans off, m & t bank was the bank involved. Now moving forward I received a letter from the treasury that a XXXX loan wasnt paid, XXXX of this year XXXX yrs after the fact, so we contacted the daughters bankruptcy lawyer to see what they were talking about, I have the payoff receipts and monthly receipts, but the payoff receipt has one account number and their were 3 loans it was called a bundle loans, our lawyer is trying to get the break down on the payoff where the money was dispersed, my social security is being garnished for a loan I paid, we cant afford to spend thousands on a specialty lawyer, dont know what we can do, any help would be greatly appreciated, thanks Sent from my XXXX
|
| 03/09/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I just resolved a complaint with M & T in XXXX XXXX. As we were resolving that complaint, a XXXX transaction that didnt belong to me came into the account. I alerted them immediately that the transaction was invalid and didnt belong to me. I told them to return it immediately because the money did not belong to me. M & T refused to return the money. I have been in touch with the individual that sent the money in error. We have conducted business in the past but he sent the money in error. I explained this to the bank and they refused to return the money. The individual is now considering pressing charges because the {$400.00} has not been returned. I am asking the CFPB to investigate this matter. The bank was trying to clear up the left over negativity balance in my account. They refused to return the money even after my continued requests and then demands to return the money. I will share this complaint number and all correspondence with the individual.
|
| 09/30/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I recently received a letter from M & T Bank informing me that I was required to contact them and update my information. This letter also stated that if I did not take this action, my accounts could be closed. I contacted M & T and asked why I received this letter and I was informed that it was required by Section 326 of the Patriot Act. I have since made repeated requests to M & T asking for an explanation as to why I received this letter as I am not a new customer, nor have I opened any new accounts. On at least seven occasions M & T has refused to provide me with an explanation or any detailed information as to this requirement. M & T employees have threated to close any and all accounts that I am associated with if I do not comply, but has ignored every question I have asked. I have also repeatedly requested contact information from them so that I may speak to someone to resolve this issue and they have refused to provide me this information as well.
|
| 10/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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On XX/XX/2018 I was a victim of identity theft. I was called by the branch manager at M and T bank saying that people were calling to be me and that I have had two activities on my account that were suspicious. One being a purchase at a shell for XXXX and the other is a XXXX at an ATM in XXXX XXXX, NY. I've filed a police report with the XXXX and the bank filed a dispute. The dispute for XXXX was given back to me. The XXXX has yet to be refunded and the bank has not been of any help or assistance to give me the XXXX. The last time the bank told me the case has been closed and told me to write a complaint letter which I did. The regional investigator accused me of taking out the money when he never spoke with the detective on the case and also the regional investigator also verified the recording of the people calling the bank pretending to be me was not me. I'm very irritated with M and T bank and would like my money back so I can finally switch banks.
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| 11/12/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I signed up for a bonus of " up to {$250.00}. '' It went down to {$150.00} after putting in my zip code. I completed the requirements for the bonus, which were " make at least {$500.00} in qualifying direct deposits within 90 days of account opening, '' but I have not received the bonus. The CSR who I contacted stated there was no bonus on my account but I signed up through the link and copied the terms and conditions.
" make at least {$500.00} in qualifying direct deposits within 90 days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. The bonus will be credited to your account within 90 days of all requirements being met. '' My direct deposit was a recurring electronic deposit from the government and was above {$500.00} cumulatively.
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| 10/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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I originally had a car loan with M & T Bank that was taken out in XXXX of 2013. The car was totaled, and my insurance XXXX paid almost the entire balance with the exception of a few hundred dollars. I advised M & T that my GAP insurance would cover the rest, but they insisted that I pay the remaining balance immediately to avoid being sent to collections. The amount was approximately {$360.00}. I ended up paying out of pocket the remaining balance owed to M & T, they confirmed that the balance was {$0.00} and closed the account. Months later I received a check for the amount that I paid to them. I called them to confirm that the check was accurate and they told me yes. I have been calling to confirm that the balance on that account is {$0.00} and the account is closed. They continue to tell me that the account is closed with a {$0.00} balance and they can not explain why they are still reporting to the credit bureaus that I have a delinquent account.
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| 02/25/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
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M & T Bank is giving us a difficult time in rolling my deceased mother 's IRA 's over into a beneficiary IRA at XXXX. It is one road block after another and continuous mistakes and negligence on their part. We completed the necessary forms over 1 month ago and M & T kicks it back to XXXX either saying there are no accounts ( when there are actually XXXX of them ) or they never received the forms ( we have email proof from the XXXX branch manager directly to the M & T Branch manager sending the forms ). They do n't return phone calls to us OR our branch manager at XXXX and we are at our wits end. They are making it impossible to move OUR money from M & T to XXXX. We are dealing with the branches of both banks located in XXXX, Maryland. Please ... we need help! We are being stonewalled and believe it is not just incompetence on M & T 's part, but their intent to hang on to our money as long as possible. I would never EVER keep one single XXXX at M & T.
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| 07/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
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Web |
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On XX/XX/2020 I opened a checking account with M & T bank for a promotional offer of {$400.00} for maintaining a balance of {$10000.00} for 90 days. I used promotion code " CG '' with the in-branch representative. The application went through and my account was opened. After maintaining the balance M & T is refusing to honor the bonus citing the following : " My research shows this was a special promotion and the offer is non-transferrable. Only the person receiving the promotion qualified for the bonus and as a result, we are unable to offer this promotion to you. I apologize for the misunderstanding. '' This issue wasn't addressed to me at the time and the system proceeded with opening my account and accepted my deposit. The system should have rejected the offer code if I wasn't eligible and not open the account. Instead M & T chose to accept my monies for their use. They have used the capital to make money while the consumer is left with nothing.
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| 12/30/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
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|
This Company was told to cease and desist as a third party collector with no contract to enforce collection of a debt and do not have a bilateral or unilateral contract with the company who contracted them. Lawyers and Attorneys do not have a license to practice law as a BAR Card is only a members card and not licenses. Notice of dispute and a qualified written request has been sent to the company. A power of Attorney has revoked any previous power of attorney and no company has power of attorney for this Estate. Under 12 USC 83 banks can not credit any money from their stock and I believe the note was deposited was cashed and no credit, value of gold or silver has not been given by either company. A request for a Securitization Analysis Report by the Consumer Financial Protection Bureau is requested on this account. All responses are to be by Affidavit of Truth only as letters can be filled with lies. Proof of power of attorney is requested as well
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| 04/02/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
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I used a atm machine outside the XXXX XXXX XXXX and XXXX bank to deposit cash into my account on XX/XX/2023 at XXXX XXXX After inserting the money, an error screen appeared and a receipt printed saying there was an error. I checked my online banking and there was no deposit and the machine did not expense my cash. It was a XXXX so i left a message, on XXXX I contacted the bank in person and they said they would investigate. After over a week i received a letter that they could find no evidence of an error and refused to pay me, despite being given the exact time of transfer and that receipt. The letter we received that stated i would not be getting credit was postmarked for the day I reported the incident in person. They also told my father they audit the machine at the end of the week. This makes me believe they did not check the reports to see unbalanced accounts and did not try to credit my money back. The corporate office has had no response.
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| 04/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
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Web |
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On XX/XX/XXXX I obtained ride services from XXXX and utilized my M & T Bank debit card for payment. The charge for the transaction was {$4.00}, with {$2.00} added by myself for a tip, for a total of {$6.00}. However, I discovered a second charge of {$13.00} for the same ride. I contacted XXXX and they confirmed that the second charge of {$13.00} was only supposed to be an authorization. However, it turned into an incorrect second charge, subsequently processed by M & T Bank. I submitted a dispute of the incorrect second charge of {$13.00} with both XXXX and M & T Bank. On XX/XX/XXXX I received correspondence from M & T Bank stating that my dispute claim had been denied ( claim # XXXX ). I discovered that M & T Bank investigated the wrong XXXX charge of {$6.00} and not the second incorrect XXXX charge of {$13.00}. I informed M & T Bank of their investigative error but they have not initiated a new investigation, or reversed the incorrect charge.
|
| 09/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
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I attempted to transfer funds from my M & T Bank Checking account to my accounts at XXXX XXXX and XXXX between XX/XX/2020 and XX/XX/2020.
On XX/XX/2020, I logged online to check the status and the system informed me that my access was suspended.
I contacted customer service at XXXX eastern time on XX/XX/2020 and spoke with XXXX, and supervisor XXXX.
They informed me that M & T blocked the transfer, and is demanding that I provide them with full, unredacted copies of bank statements for the other banks in order to unlock my account.
I offered to provide them the statements with the transaction details redacted, however their customer service supervisor, XXXX, refused and stated that M & T will not unlock my ability to complete external transfers unless I send in these statements.
I consider this a major privacy violation and will not send those statements in unless I am able to redact my personal transaction information for other banks.
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| 06/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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On XXXX17 my automatic mortgage payment deducted {$890.00} from my savings account to pay my mortgage. On the same date, I deposited {$900.00} to cover this amount in full. On my electronic statements both of these transactions are listed as being completed on XXXX17. I then received an insufficient funds notification. Their company policy according to service reps I have spoken to in the past is that if a deposit and withdrawal take place on the same date then there is technically no insufficient funds. The payment " presented '' the day before and therefore charged me for insufficient funds for a transaction that would take place the NEXT BUSINESS day.
Again, I am penalized for funds not being available the day BEFORE the financial transaction posted and was withdrawn from my account. Customer service argues the semantics of this magical " presentation '' of my payment rather than accept responsibility for an error in their policy vs practice.
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| 12/04/2019 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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XX/XX/XXXX, my mortgage loan was bought by M & T.l In XXXX I discovered they never pay my home insurance from escrow because I received a bill from the home insurance company. This is because M & T assigned me their insurance at an higher rate. In XX/XX/XXXX M & T increased my monthly payment from {$2200.00} to {$3500.00}. This was due to an shortage in my escrow. After struggling to make XXXX and XXXX mortgage I reached out to M & T for explanation as to why such a large storage. At first they claimed that my tax rates went up only by a few dollars not thousands. Then they stated there was an lean on my property. This was false. Then there was an outstanding water bill. I reach out to my water company also the county tax departments. There were no proof of any outstanding bill from the water or tax company. Today, XXXX of XXXX M & T continues to force me to pay an extra XXXX more on my monthly mortgage. I was serve with pre foreclosure papers.
|
| 02/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
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On XXXX I lost my Debit card. I last used my card at XXXX XXXX XXXX XXXX earlier that same day ( {$4.00} ). I realized I lost my card later that evening when I arrived home. I called customer service to order a new card. I then became aware of 3 unauthorized transactions that had been done while my card was lost. Those transactions actions were XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX {$820.00} and XXXX {$86.00}. I was told I would have to wait a few days until the transactions " Posted '' to the account before I would be able to file a dispute. I filed a dispute on XXXX Dispute # XXXX. On XXXX/XXXX/23 I was informed by the bank that my Dispute was denied. How could they investigate my dispute in less than 24 hours? I'm very hurt and offended. I'm XXXX XXXX XXXX and live on a fixed income. I have made several calls and attempts to rectify this situation. The bank still refuses to credit my account due to this fraud. will you please help me?
|
| 01/18/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Servicemember |
|
In XXXX of XXXX we opened a XXXX with XXXX Bank in XXXX, XXXX XXXX Bank was subsequently bought by XXXX Bank , which was subsequently bought by XXXX XXXX XXXX XXXX , and then in XXXX of XXXX, by M & T Bank which assumed the XXXX. On XX/XX/XXXX, after having had a XXXX balance on the XXXX for about XXXX years and prior to the sale of our house, we went in person to M & T Bank and closed the account, paying a {$180.00} fee to close the XXXX. On XX/XX/XXXX, we were victims of an internet fraud at which time our savings account was robbed of {$8000.00} by a wire transfer and our closed XXXX was accessed and charged {$10000.00}. It should not have been possible for the XXXX to have been accessed since it had been closed by us in person at XXXX M & T Bank XXXX in XXXXXXXX XXXX some XXXX weeks prior to the crime occurring. Yet M & T Bank held us liable to the debt and we had to pay them {$10000.00} at the closing on our house after it was sold.
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| 07/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I use XXXX everyday for friends and family that need to pay me back, m & t bank has froze my account and took {$2400.00} from my account, i read m & t bank XXXX terms and conditions they do not do refunds/chargebacks for the other party. I already filled a cfpb consumer complaint, m & t bank responded M & t bank did not respond to my needs, i read this with my attorney the one who actually recommended i file a complaint with cfpb.We both agreed M & t bank completely talked about another topic.M & t bank responded and talked about the restraint on my account and never talked about the XXXX transactions they refunded without my permission or notifying me or refunding the money they took from me from there mistake, i use XXXX for strictly family and friends, i called XXXX, XXXX told me they do not do refunds or chargebacks.I will continue until i get those funds refunded, taking advice from my attorney, were both going to take this very serious.
|
| 09/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
during a merger process between People 's United bank and M & T this month, the bill pay section of my checking account ( People 's United ) was left out of the transfer process. as a result the automatic payment ( attached to the checking account ) that was set up, were not made. I reached out to M & T XXXX after receiving a call from a payee about missing payment, spoke to supervisor XXXX to see about possibly restoring bill pay to account or relief with possible late fee I may have incurred. I was met with platitude and no real solution to the problem, they have created. prior to merger, there were no communication about possible glitch with bill pay or about feature not transferring with checking account. as a customer I am left scrambling while the bank hold no responsibility. so far this is the problem that I have encountered with this merger. I wanted it noted that I currently live in a state ( GA ) that does not have an M & T branch.
|
| 12/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I recently opened an account with M & T bank in hopes of switching over and finding a new bank to keep my savings with less fees involved. I made a deposit into my account and They held my check for 7 days which is completely normal. I had no worries since it was a cashiers check that I requested from my previous bank. Of course on the first of the month when my bills are due they block my debit card and my account. I have no access to my online account. I called customer service and the fraud department only to be transferred around numerous times over and over. They advised me to step into a branch & when I got to the branch drive thru and requested to close my account the teller was rude and giving me a hard time. I do not care about any fees because my account is under 6 months old please just close this account and return my funds and I will find a new bank to build a relationship with. M & T and their business practices are ridiculous
|
| 10/23/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
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My mortgage was originated by XXXX XXXX XXXX and sold to M & T Bank. Since taking over my loan M & T Bank has engaged in a campaign of harassment concerning my HO6 insurance coverage. They initially sent several notices claiming to have no proof of my insurance however this was included with my mortgage documents. After providing them with the proof, they again claimed they had no proof and now wanted the property address to include a unit number. I complied with this request. They have now created a fictitious address and attached it to my loan and are again demanding HO6 insurance information. Each demand includes a threat to attach HO6 premiums to my loan and includes FDCPA language concerning an attempt to collect a debt. I brought the matter to their attention and was told I would be contacted last week with resolution. Instead I received a further 4 notices again referencing the fictitious property address and threatening collections.
|
| 12/08/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My loan was sold by XXXX XXXX to M & T Bank during the month of XX/XX/XXXX. A mortgage payment was processed by XXXX in the month of XXXX. M & T claims I did not make my XXXX payment so they contacted me to rectify. I agreed to process a 2nd XXXX payment to M & T while XXXX researched my XXXX payment intended to be forwarded to M & T.
That 2nd XXXX payment was inaccurately processed due to a communication issue between myself and the M & T rep. No further communication has been received by self from M & T indicating my 2nd attempted XXXX payment was not properly processed. M & T then reported a late payment to the Credit bureus. I contacted the M & T call center and spoke with sitting supervisor. He was not helpful and stated the late payment is solely my fault and was not willing to resolve the inaccurately reported late payment. His name is XXXX and his number is XXXX XXXX XXXX. I have a letter from M & T thanking me for my XXXX payment.
|
| 03/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
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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}.
|
| 03/05/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
i have a mortgage payment due by the XXXX otherwise i have to make a {$42.00} late payment and since i do not work anymore due to medical issues, so i do not collect a paycheck. i only receive my Social Security benefits in which i receive direct deposit on the XXXX wednesday of each month, so i notify M & T. bank regarding this and told i can do a loan modification, so i did all that, now as of today on XX/XX/XXXX i called them and talked to them about changing my due date so i do not accrue late fees, and the only way to do that is to refinance and that is not fair, that i have to pay late fees because i do not get my Social Security check until the XXXX of each month, so 6 months out of the year it will cost me roughly {$250.00} extra per year, especially when i only make {$1600.00} a month and my mortgage is {$1200.00} and they should have some common decency and allow me to change my due date one time, since i never had it change.
|
| 10/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I opened my account this past spring. I put the mailing address of where I was temporarily staying at the time because that 's where I get my mail.
A couple weeks go by and M & T places a freeze on my account when I first try to withdraw funds. I was leaving for California the next day and did n't have time to deal with it.
I called and called and they would n't unfreeze my account unless I could prove that I lived at mailing address??? I sent them my SSN card, Driver 's license, and proof that I lived at the address on my license, but they would n't even let me so much as speak to the security team to explain my situation.
Now I am stuck in California permanently, and without access to my funds.
I ca n't : 1. Withdraw my money 2. Unfreeze my account because I do n't have proof of something that does n't exist 3. Close my account without the balance being {$0.00} 4. Correct my address 5. see a branch because I am in california .
|
| 10/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX M & T bank charged my checking with an overdraft fee of XXXX. On my account I have had overdraft protection through my savings account that I had arrange sometime back, but haven't had to use in some time because I always check my balances. Because of this service I wasn't worried last Monday because of the overdraft coverage I had. They charged my account anyway, so I contacted customer service and they didn't even check, she took a look at my account and said I don't see it and keep saying the same thing. She was also rude. M & T use to be a good institution, not any more. I did go to the branch on Saturday to try and work things out but they had one individual working and to many clients waiting I did wait about half an hour, then I decided to call instead. That was no help and I am looking for another banking institution. I don't lie and to be accused of it is unprofessional. I think I've banked their for about 10 years.
|
| 01/26/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
We opened a checking account for my daughter at M & T Bank in XXXX XXXX prior to her going to college in XXXX. On XXXX XXXX, XXXX they charged her XXXX separate insufficient funds fees. She contacted them and told them that she had not made the charges, that her account information must have been compromised as she had been using the debit card for some electronic transactions for school text books.
M & T Bank concluded that since the card was in her possession she must have made the charges and refused to acknowledge any possibility that her account had been compromised.
They are now attempting to collect the " debt '' of insufficient funds fees AGAIN.
1. I can not find any indication that we had signed up for them to overdraft the account in case of insufficient funds - THE CHARGES SHOULD HAVE BEEN DENIED RATHER THAN PASSED THROUGH.
2. The bank charged NSF fees 4 times in the same day - again, the card should have been declined!!
|
| 01/14/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I open up a RV Loan with M & T Bank in XX/XX/XXXX. Recently The RV was flipped and considered totaled after hurricane Zeta on XX/XX/XXXX. Most {$31000.00} was paid in XXXX which still left a balance of around {$4100.00}, the balance as of today is {$3100.00}. I am currently as always making payments on time and have never had a 30 day late. I have very good credit and do not want to do anything to change that especially during these hard time. I had a collection call from someone with a dog barking in the background so I was a little weary. She told me my account has been closed and needed to be paid by with in 20 days or it will be sent to collections. I have all intentions of paying it. I am still dealing with the GAP and RV Dealership to rectify this situation. In the mean time I planned on making all my payments in full if not more every month until this balance is paid in full. She told me it needed to be paid in full this month.
|
| 10/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We requested a reduction in our mortgage payment to our mortgage company in XXXX due to our fixed income. Our mortgage company put us in a trial period in XXXX and established an escrow account. We never agreed to the trial period or the escrow account. Once the trial period was over, they started foreclosure and began returning our payments. They sold our mortgage to another company end of XXXX. They removed the escrow account in XXXX but because of the late fees, returned payments, legal fees, missapplied payments, etc., they began returning payments also. Countless efforts of resolving this have forced us to be delinquent through no fault of our own. This new mortgage company has now started foreclosure. We always have and continue to pay the required payment every month and have been sending them certified return receipt. We are elderly and have been trying to resolve this. It is very taxing on our health and need some resolution.
|
| 06/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My name is XXXX XXXX XXXX. I had a loan no XXXX with M & T Bank ; I requested a payoff by e-mail because is one the option I have to get the pay off. Bank e-mail me back asking me to submit my request in writing. I fax my request in writing. When I received the payoff the fee for the letter was a {$100.00}. I called customer service and request fee to be waived because I was not informed for cost to produce the letter. Under Fair and Responsible Lending and Servicing I was not informed of any fee so I could not make an informed choice. I am a XXXX with thick accent, when I called customer service ; I was treated like a second class citizen for customer service representative making me feel like a second class person. I believe that customers have the right to be informed of any fee that we have to pay before our request is completed. I really believe that M & T bank do n't like to deal with people with accents or other ethnicities.
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This is my 4th attempt at trying to get this company to remove information that does not belong on my credit report.
Per USC 15 6802. ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Also this item was charged off with 1099-C which means it is a certificate of indebtedness and has been claimed as income. It is against the law to be reporting on my credit report with a balance or at all anymore.
Also consider the privacy act of 1974.
|
| 11/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I have n't used my M & T Bank checking account in over a year. They would n't let me close it, because they said I had walk into a branch to do it. I was n't able to go to a branch because I moved over 1000 miles away from the closest M & T Bank branch.
Over three months ago, there were fraudulent charges on that account. The account had a XXXX balance, so the credit card that was tied to the account was charged as a result of the overdraft protection.
I disputed the fraudulent charges on the checking account and M & T resolved that issue after about a dozen calls with customer service. I 'm still receiving notices that I owe money on the credit card, and I was notified that I 'm being sent to collections. I 've had an additional dozen calls regarding the credit card issue, and I 'm being told that they 'll " research it '' and get back to me. Meanwhile, the credit card issues has already been communicated to the credit bureaus.
|
| 09/29/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My cable company took money out of my account. I was charged 2 insufficient fees. I put in a dispute, and the customer services reps have told me repeatedly that the provisional credit would be in my account in a matter of days, and the 2 fees would be as well. None of this has happened, and its been 8 days. I spoke with XXXX in XXXX, NY, she was a Complete XXXX to me, and I disconnected the call. I called again yesterday and today, and have gotten nothing but RUDE people NOT WILLING TO HELP ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I AM NOT DEALING WITH THIS ANYMORE!!! I am a XXXX, have no money right now, and I am a Single Parent, who DOES NOT RECEIVE ANY CHILD SUPPORT!!!!!!! XXXX was the last Supervisor I spoke too. He was mean, and was arguing with me!!! I am not dealing with this. Something better be taken care of soon, or I am reporting this bank to the XXXX, and the XXXX!!!!!!!
|
| 03/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I bank with M & T and I told them several times that if my checking account does not have enough funds in it to pay for items or services, not to pay the bill or allow bill collectors to debit my card. I want to opt out for the bank to cover fees not in my bank.I signed a form for this at-lease three years ago.
On XXXX/XXXX/2016 XXXX EFax services ( XXXX ) XXXX debit my card before my trial period is up without my authorization for XXXX and on XXXX/XXXX/2016 XXXX XXXX XXXX did the same thing in the amount of {$28.00}. I owe the companies money, but they debit my bank card. I normally pay for my services and items on line.
My complaint is I do not want M & T bank to pay for items or services when the fee is not available. I want to stop creditors from billing my card without my permission. I spoke to the bank on several occasions about this and even signed a form. I want card protection to authorize withdrawal upon my approval.
|
| 03/15/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I have updated information for the complaint with MANUFACTURERS TRADERS & TRUST COMPANY doing business as M & T BANK. I received correspondence threatening to seize my property using language coercing me to pay a debt I do not owe. Under the consumer credit protection laws of the Truth In Lending Act 15 USC 1635 I have the right to rescind any consumer credit transaction and pursuant to 15 USC 1641 ( c ) I have the right to rescind against any assignee of the obligation. M & T BANK received my rescission on XXXX however has refused to comply with the law and has made false statements stating that I do qualify for the right of rescission based off of the loan type which is incorrect. I have attached a copy of the correspondence from M & T BANK that made the false statements and the correspondence that threatened to take my home coercing me to pay a debt. I have also attached a copy of the law governing consumer credit protection.
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| 08/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have filed a complaint with M & T mortgage ( Complaint number : XXXX ) which I am awaiting response, but I would like to add important additional questions for response to that same complaint number : Why did M & T rewrite the Note/Promissory Note on our loan change, but appears to clearly kept the same original extended adjustable interest rate repayment part in the Note, etc., but did not keep the MATURITY DATE THE SAME ( caused a payment from 15 year payoff to a 30 year payoff ). Why not make other adjustment to adjust the monthly payment ( like lower the interest rate ). Why are the ( Loan Servicing form ) created for the Promissory Note change and loan change not signed by any employee from the bank ( i.e. XXXX XXXX, Vice President of XXXX XXXX XXXX , XXXX, as Servicer, whose address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. But their is no signature. XXXX and M & T mortgage should have all these copies.
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| 06/04/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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I was behind on my mortgage payment, and I was approved for a grant to cover my payment. I receive my statement for XXXX with the full amount I was behind. The balance between my payment, and the grant will leave my XXXX payment to be {$280.00}, I am being told there was a shortage in my escrow, so I will have to pay the full amount of {$550.00}. The payment for the shortage is included in the behind payment, so the grant cover the shortage. Plus, there was an additional charge of {$2300.00} I didn't find out about until I saw my XXXX statement. It was called Recoverable Corporate Advance. I was told by my mortgage company this was money they advance me to pay there attorney fees. I didn't sign any paperwork. I didn't know anything about this. I wouldn't agree to this. This amount is almost as much that I owe. I was in a hardship, and we were in a pandemic. They should have been working with there customer, and waived this fee.
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| 05/03/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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This is an update to complaint XXXX. In the companies response to the complaint they reported to the CFPB that {$3600.00} was given as financial compensation. This is incorrect, the {$3600.00} went to the old homeowners via XXXX. XXXX refunded that amount to the old homeowner as a result of M & T paying the old homeowners insurance along with my XXXX insurance. M & T Did refund the amount charged in error to my mortgage, refunding payment taken in error does not count an compensation. I'm aware that M & T lost this money because they were not able to recoup the money for their mistake through XXXX. But this doesn't count as compensation either, the payment didn't go to the party who was affected by their error. I'm out weeks of time getting my loan assumption squared away. I have lost money through not being able to obtain a loan as a result of their errors, I have an issue with this being reported to the CFPB an compensation.
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| 12/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I wanted to pay off my XXXX loan so I contacted M & T Bank customer service email and they replied back saying it had to be paid by certified funds in order for the XXXX hold of lien release to happen so I paid with a certified check from Alabama XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XXXX Alabama. and now the Bank M & T which in email stated nothing about a credit union certified check is n't accepted as a certified check but normal check and thus have to wait 10 days in order for the Lien to be released off Title. The email which I have and send states only that a certified funds and that I did and sent to the address they provided : M & T Bank XXXX XXXX XXXX XXXX, DE XXXX They recieved this on XXXX XXXX and I feel they are holding onto my title and lien for fraudulent reasons as I did everything they said. customer service number is XXXX and talked with a supervisor about this his name was XXXX and his employee number is XXXX.
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| 03/01/2019 |
Yes |
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- Trouble during payment process
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Web |
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According to my understanding of the Homeowners Protection Act, PMI should be removed from my mortgage payment when my loan to value reaches 80 % or less. Currently, my loan balance is XXXX, and my home value according to XXXX, is XXXX. That puts my loan to value at approximately 48 %. My current mortgage company refuses however, to remove the PMI from my payment. The response from XXXX XXXX XXXX, customer support associate, is that " per FHA regulations, as the loan was assigned an FHA case number after XX/XX/XXXX the annual MIP will be automatically terminated when the loan is eleven years old, which will be on XX/XX/XXXX. The mortgage was first originated all the way back in XX/XX/XXXX/XX/XX/XXXX, and has been sold/resold several times since then. I also refinanced back in XX/XX/XXXX with XXXX XXXX XXXX, and then the loan was sold to M & T bank who has it now. So, what is correct the Homeowners protection act or M & T bank?
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| 08/03/2021 |
Yes |
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- Trouble during payment process
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Web |
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M & T Bank is servicing my mortgage loan. I entered into a COVID-19 Forb program and I am due to start resuming my mortgage payment as of XX/XX/2021. I made a partial payment in XX/XX/2021 in the amt of {$1000.00} that M & T bank put in my suspense bucket. For my forbearance payments I wanted a Loan mod but they claim my payments would increase so I did the partial claim to have the pmts put to the end of the loan. They also told me my {$1000.00} in suspense could not be used towards my forb payments ( partial claim ) so I said okay apply the funds to my mortgage pmt which is {$1500.00}. I will pay the {$590.00}. Now they are telling me I can not use my suspense funds. I need answers on why I can not use my money towards my XXXX pmt. I have been waiting for a week for management to contact me this company is the worst mortgage company ... please help or let me know if I need legal assistance to file legal action against M & T
|
| 04/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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|
Web |
Servicemember |
|
I requested a new debit card for my DDA ( Checking account ). M & T mailed the debit card to the wrong address on 2 seperate occasions. My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY and both times M & T mailed my debit card to XXXX XXXX XXXX unit XXXX XXXX NY. I did not receive my debit card and now M & T has put my DDA account a risk to possible fraud my mailing my debit card and pin number to another address that is not mine. Additonally, M & T charged me {$25.00} for an express delivery due to their error on sending the debit card to the wrong address.
M & T is denying me access to my DDA account via debit card access. I have called 3 times to have this resolved which M & T has not provided any resolution. I am on hold over XXXX minutes every time I call customer service.
So now I am forced to physically go to a local M & T branch to withdrawl funds or transfer and after multiple times calling the customer service
|
| 06/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I took a forbearance of my mortgage in XXXX and XXXX of 2020 due to being furloughed from my job. I was told by the agent from M & T before accepting the forbearance that this would have no effect on my credit because I was current on my loan prior to taking forbearance. My house sold and the loan was paid in full on XX/XX/XXXX. I went to get another loan and found out my credit rating was 75 points lower than were it was prior. When I pulled my free credit reports I can see that M & T reported me as LATE both XXXX and XXXX and I show 60 days late/delinquent for XXXX. Under the CARES act this account should have been reported as CURRENT not late and it should have no negative effect on my credit rating. Looking at my credit reports there is NO DOUBT that M & T reported negatively. It's the only adverse account in my entire record. I would like this corrected immediately. I've tried to get M & T to correct it and they refuse.
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| 08/10/2022 |
Yes |
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Web |
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I did two modifications one in XXXX with XXXX XXXX and another with M & T bank in XXXX. M & T bank claims that they made me aware of a second lien on my property over the phone. I alleging that that conversation never took place, moreover I'm under the assumption that no oral agreements exist. M & T Bank sent me the XXXX modification documentation with XXXX XXXX which shows a second lien that I did sign for, However the XXXX modification failed to inform me of a second lien ; I was lead to believe the modification I signed in XXXX with M & T Bank was for my total loan amount of {$100000.00}. I'm charging M & T Bank with failing to disclose full details of my loan and making me believe I only owed the amount I signed for in the XXXX modification with M & T Bank. I don't understand why the XXXX modification with XXXX XXXX has any effect on a different and separate modification with a different entity being M & T Bank in XXXX.
|
| 12/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
My name is XXXX XXXX and I own and operate the XXXX XXXX XXXX office in XXXX, Texas XXXX.
Our office is currently representing XXXX XXXX XXXX and his estranged wife XXXX XXXX. XXXX XXXX XXXX owns the property located at XXXX XXXX XXXX XXXX, Texas XXXX. We listed this property for sale and have an offer on the table.
We are not receiving the proper attention needed from the mortgage company M & T Bank and their servicing agent XXXX XXXX XXXX.
It took XXXX XXXX XXXX over 3 weeks just to complete a pay off statement and because of this delay {$410.00} in interest was added to the delinquent amount owed by XXXX XXXX. XXXX XXXX has submitted a Short Sale Packet to XXXX XXXX XXXX however they have not acknowledged receipt of the packet.
I am requesting assistance from the Consumer Financial Protection Bureau to contact M & T Bank and XXXX XXXX XXXX to cooperate with our office and XXXX XXXX XXXX to get this matter resolved.
|
| 06/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I received a notice in the mail my escrow was too low, giving me the option to send in a lump sum to keep the escrow payment as it currently was, or another option to raise my escrow payments over the next 12 months to correct the balance. I opted to make the lump sum payment. It's now been 2 months since I made this payment but my escrow payments went up anyways as if I hadn't sent in the extra money.
The real issue here though is the fact that I can not contact the company to amend my escrow payments. The company does not offer ANY way to contact customer service for an existing mortgage. The phone number given here, https : XXXX/www3.mtb.com/homepage/explore-the-m-and-t-bank-help-center/mandt-bank-phone-numbers-by-department/telephone-directory, XXXX does not offer a way to contact a real person to resolve this, and all other list departments tell me they do not have the ability to forward my call to someone relevant.
|
| 09/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
M & T Bank has routinely created excessive roadblocks for it's customers in accessing basic customer services, especially in investigation of fraudulent charges.
It is a well-established industry standard in banking, to provide customers the ability to initiate investigations on potential fraud via web and mobile platforms. Further, this institution has not even organized a customer-facing department to address inquiries related to fraud. Customers have no one to call, except the main customer service line. On at least three occasions, since prior to XXXX XXXX of 2022, the main customer service line was either completely shut down or forced customers to wait at least one hour for service. During this time, most branch locations were closed as well.
M & T Bank has failed to do this for their own customers, and now have taken on additional customers from People 's United Bank, who are also not being adequately serviced.
|
| 01/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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|
Web |
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|
I opened an account with M and T bank and used it for a balance transfer. When i finally paid off the balance I called them and asked to make my final payment and close my credit card account. I had never used the card except to transfer a balance and pay it off. I successfully paid my final bill of about 1,000 USD in XX/XX/XXXX. In XX/XX/XXXX I received many calls from M and T bank about having unpaid fees and charges. I told them that I had closed my account and paid the balance so I did not understand how I was still accruing any charges. She explained that there was some sort of final charge and I reluctantly paid the XXXX dollars. Just today, XX/XX/XXXX I received a call from M and T bank alerting me that I had unpaid fees and charges amounting to over 100 . I am still shocked at how, having closed my account, paid a balance as well as some extra fees I am still being hounded and charged by this company. Please help.
|
| 02/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
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|
Web |
Servicemember |
|
I have a boat loan with M & T Bank. The required monthly payment is {$370.00}. My loan balance in XXXX XXXX was {$34000.00}. Since XXXX XXXX until XXXX XXXX, XXXX, I 've made {$3700.00} toward this loan. I usually make {$200.00} every two weeks. I have not checked on my loan account because I thought I have made monthly payment more than the requirement. Today I checked on my loan account online, and I found out my loan balance is still same as in XXXX XXXX, which is {$34000.00}. My loan balance has not gone down even a penny. All my payments made to this loan went straight to interest, not a penny was deducted toward my loan principle. I called and asked them why all my payments went to interest, nothing has gone to the principle. They told me all my payments of {$200.00} did n't meet the required minimum payment of {$370.00} ( even though my monthly payment was {$400.00} ), so all payments of {$200.00} went to interest.
|
| 02/02/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a XXXX IRA with Wilmington Trust ( now M & T Bank ) in XXXX. Five years later, they failed to notify me of the 5-year CD 10-day window, even though I had informed the bank of my new address. I resolved not to miss the next 10-day window to transfer my funds to another bank in XXXX XXXX. In preparation, I made multiple calls to M & T bank to ask questions and notify them of my intent. No one from M & T could facilitate my request to transfer funds, so I got the receiving bank to handle the transfer. When I confirmed the transfer, I discovered that M & T charged {$75.00} for the transfer -- even though it was during the 10-day " do with it what you like '' window and no one had informed me of this during my preparation period! When I called to ask them to reverse the fee, the branch manager said there was nothing he could do, and *then* M & T sent my statement declaring the {$75.00} transfer fee -- after the fact!
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. M & T BANK XXXX Open Date XX/XX/2013 Balance : {$0.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 01/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
During the month of XX/XX/2022, on approx XX/XX/XXXX a transaction from a hotel charge in Texas appeared on my account and a day later a charge for airline tickets appeared on my account.
I did not complete these transactions. AND HAVE NOT HAD ANY DISPUTES OUTSIDE OF THESE TWO CHARGES IN MY BUSINESS ACCOUNT. THE REASON THE BANK IS NOT GIVING MY MONEY BACK IS BECAUSE THEY SAY THE VENDER PROVED MY NAME AND ADDRESS WAS USED.
THAT IS NOT MY CONCERN OR ISSUE I DID NOT DO IT AND IF ITS NOT FOUND AS FRAUD THAT AGAIN IS NOT MY ISSUE .... NO WHERE IN THE SERVICE AGREEMENT WITH m AND t BANK DOES IT SAY THE VENDORS WORD TRUMPS MINE. THEY SAID SINCE MY NAME APPEARED IT IS VALID... MY ISSUE IS WHEN A FRAUD TRANSACTION HAPPENS I DO NOT KNOW WHY OR HOW THEY WOULD BENEFIT THE VENDOR BUT IT IS NOT FOR ME TO EXPLAIN IT IS SIMPLY NOT MY DOING.
XXXX CHARGE FOR {$730.00} AND XXXXXXXX XXXX FOR {$490.00} TWO DAYS APART AND NEITHER ARE MINE
|
| 08/27/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2019, I wrote a letter to M & T Bank. On it a explained that my Name and address was wrong. As a result I wasnt receiving the monthly mortgage bill. Also, I tried calling all the telephones provided on the mortgage statement and online but non work. At another time I ask why my mortgage payment increased from XXXX to XXXX. They said that my mortgage had two hazard insurances. On XX/XX/2019, I wrote two letters to M & T Bank. On one I requested, again, to correct my Name and address. On the other one, I sent evidence that my apartment has an active hazard insurance and there was no need for a second hazard insurance. On XX/XX/2019, I received a call from M & T Bank saying that they didnt receive the XXXX payment for my mortgage. I told them that I sent it by certified mail on XX/XX/2019. They responded by saying that it was accredited to the escrow. To this date, it appears as if I have not paid my XXXX payment.
|
| 01/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
I make payments to M & T bank on this loan through XXXX XXXX 's bill paying program. I use this program to pay almost all my bills and never have an issue except with M & T bank. M & T bank does not credit my account with payments made and then duns me late fees as well as reporting missed payments to credit agencies. This is the second time this has happened which indicates someone is not doing their job. When I contact the lender about the unposted payments, I am told that if I use their bill paying program or website payment process, I wouldn't have these issues. I will refinance this loan with another lender but feel this predatory lending practice should be addressed by the appropriate agency so others are not ripped off by this lender. Churning an account to make fees is highly unethical and illegal. I can submit copies of the attempts XXXX XXXX billing program made to make these payments if that can be of help.
|
| 06/09/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2021 we went to the M & T branch on XXXX XXXX with the intention of opening a savings account for our XXXX son. We are the court appointed guardians. Our son 's SSI money has been deposited into his existing M & T checking account for almost 10 years.
We were told our son must appear in person to open an account. We explained our son is XXXX and unable to XXXX. The M & T representative was indifferent stating that was M & T policy. We asked for a copy of the policy. Our request was denied. We asked for specific guideline on what documents needed to be submitted. Request denied.
XX/XX/2021 our request for access to the policy was denied by the branch manager at the M & T XXXX XXXX branch.
On XX/XX/2021 we filed a complaint ( XXXX ) with the Maryland Office of the Attorney General. On XX/XX/2021 in a letter from that office we were told our complaint had been forwarded to CFPB in XXXX, Iowa. Can you help?
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This is my 3rd submission about M & T bank pulling a hard inquiry on XX/XX/2021.
I received a letter today from M & T where they showed that I supplied consent for a hard inquiry for a refinance ( based on an IP address ).
Their explanation in my opinion doesn't pass the smell test.
M & T claims the hard inquiry was for a " pre-approval ''.
I spent over 30 years as a XXXX XXXX in XXXX XXXX XXXX and XXXX. The only thing I would have done was to inquire about what rate they could have offered me, because I knew my debt ratio at the time would never have been approved for a refinance.
As we all know, refi " pre-approvals '' are sent all the time through the mail and they virtually always 'sourced ' via soft inquirys.
At a minimum I believe that M & T 's website was completely misleading about this consent issue.
Again I never thought I was applying because of my deep knowledge of consumer finance policies.
|
| 02/23/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
I have an equity-line-of -credit with M & T bank. The line was first opened many years ago by banks that M & T absorbed. I became delinquent on this account in XXXX because of health and business problems. In addition, they raised my monthly payment almost 10 fold. At the end of the year, I requested a loan modification from M & T. I submitted all the paper they needed and they told me on XXXX that there were things missing and they gave me until XXXX XXXX to respond. I responded by that date and on XX/XX/XXXX they told me that there was some missing information and because it was so close to the foreclosure date that they would no longer consider a modification and would not tell me what items were " missing. '' Most of my correspondence is with XXXX, the foreclosure attorneys. They send me mailings every day highlighting the foreclosure date. The letter they send is one I received from M & T in XXXX on XXXX XXXX.
|
| 12/30/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I am writing concerning my below. I am retired with one income. I had everything ok until the past few months. I made a complaint but M & T used my ex-husband 's account. The employees do n't know what is going on with my account and I have tried everything to get answers to no avail. I have applied 4 different times for repayment assistance and have heard nothing back. I need help and ca n't lose my home. Someone needs to investigate M & T because they are awful and are incompetent. Please help me I do n't know what to do. M & T keeps mixing up the two accounts and I feel I have done everything to fix this. I feel they owe me to fix this. I feel my account should be caught up to date without any negative affect on my credit. M & T should write off my past due and clear my account back to up to date and good credit rating. Thank you, XXXX my account number is # XXXX. Home equity Please make sure M & T gets it right
|
| 06/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
We received a letter from M & T bank postmarked XXXX, NY XX/XX/2021. The letter is addressed to our son XXXX and to us, XXXX XXXX and XXXX XXXX XXXX as guardians.
The letter states that under provisions of the Patriot Act they will close our account because they are not able to identify us. The checking account in question has been open for more than 10 years. It is the account where our son, and his mother as Representative Payee, receives the monthly XXXX benefits.
The letter claims they have made several attempts to reach us but were unable to do so. How? We received no correspondence by regular post or email describing what additional documents were needed. The lack of clear directions was the basis of our orgi We have exchanged emails with XXXX XXXX XXXX, Regional Vice President as recently as today and have made arrangements to complete signature cards for the savings account they claim to have opened.
|
| 04/20/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I contacted my loan company M and T Bank about placing a forbearance on my mortgage payments due to COVID, which are XXXX a month. They agreed to a 6 month forbearance but, when I asked that the payments be placed on the end of my loan, they said they could not do that. I mentioned that was an option under the CARES act, but they only said they could review my situation at the end of the forbearance period.
When I asked if all my payments would come due at one time at the end of the forbearance, they said yes. I then mentioned that under the CARES act, that I could avoid that, but all they kept saying is that they would review the situation at the end of the six months.
I am now in a forbearance plan facing an uncertain future about what I will owe at the end of six months, and the consequences of what will happen if I have to pay 6 mos of mortgage at one time.
Thank you for your assistance in this matter.
|
| 07/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My fiances account and my account have had money held by M & T bank for many months. I opened the accounts last year They required me to send in my personal information, social security card and a recent utility bill after locking my account and allowing no withdrawals. It's been a week and my accounts are still locked. I was told by the representative that it would take approximately 24-48 hours to unlock. Since it's been locked, and prior to me calling, they've continued to take out their fees for owning the account while not allowing me to close the account or use the money in said account. Approximately XXXX for 10 months or so. They refuse to send me my money to XXXX out the balance or close the account because the balance must be XXXX to close the account. I can not initiate transfers for the account because they have the account locked, my money is being held hostage by a fraudulent banking corporation.
|
| 05/10/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was sold from XXXX XXXX to M & T bank last month. I had set up semi monthly payments with XXXX XXXX, and was able to set it up with M & T bank. Last month on the XX/XX/XXXX and XX/XX/XXXX both banks withdrew the money out of my bank as agreed apron. Not on the XX/XX/XXXX this didn't happen. M & T bank never warned me that the withdrawal was not going to occur and why. I had paid my previous months payments and the letter I received said that they were going to continue on the XX/XX/XXXX. I have contacted M & T bank multiple times and for one reason or other they are not willing to honor the agreement that we had. They are the ones that didn't honor the agreement and I want them to honor it. I do not trust them by issuing an ACH withdrawal at this time because what has transpired during this process. Now they are threatening me that they will not withdraw my mortgage on the XX/XX/XXXX of this month
|
| 09/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Questioning possible fraudulent mortgage by XXXX. I was not working at the time. This mortgage should have never been written, according to several employees at XXXX, because of suspicious appraisal. I have attached a list of at least XXXX reasons why this should have never been done. I was told that I should sign the loan documents and the problems would be resolved after the signing. A manager told me this. The issues were not resolved. Although they did refund the appraisal fee because of major inaccuracies. ( The appraisal said there are no bedrooms in the house because there needs to be a closet for the room to be considered a bedroom- There is only one room, on XXXX floor that has a closet and the appraisal does n't mention that at all ) This loan was later sold to XXXX XXXX XXXX , then before it was sold to M & T Bank , I called and warned them that this was a fraudulent loan and they should not accept.
|
| 10/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My name is XXXX XXXX. My mortgage is through M & T Bank. I missed a mortgage payment due to illness. I entered into repayment plan with M & T on XX/XX/19. I was to pay {$1000.00} on XX/XX/19. {$880.00} on XX/XX/19 and {$880.00} on XX/XX/19. I paid in XXXX. I received a letter dated XX/XX/2019 outling the terms of the repayment plan. I received a call from M & T Bank on XX/XX/19. Initially, I was told that the agreement was broken but when I asked to speak with a supervisor, I was told that the M & T worker who made the agreement in XXXX was not supposed to make that agreement. I was asked to enter into another agreement extending to XX/XX/2019. I am concerned that I will get another call in a few days stating that the plan was broken or they made another mistake. I would like M & T to honor the agreement outlined in the letter I received on XX/XX/2019. I can be reached at XXXX. My email address is XXXX XXXX
|
| 09/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened an account with M & T bank on the XXXX of XXXX. I was told my account would be new but if I were told that it would take six days to deposit a check for 30 days I would have walked out.
Whenever I called the bank I'd get conflicting information. I deposited another check last Thursday ( XXXX of XXXX ) from my employer and I have to wait till Saturday ( XXXX of XXXX ) to access my money. I spoke with the branch manager and told them I'd be closing my account and asked for a wavier of the {$50.00} closing fee and she said come in Monday.
This bank has been holding my money hostage with these holds and I find it extremely inappropriate that I must wait till Saturday to get my money in to close my account with this Bank that has caused me so many delays in my life. Like I said if I was told moments like this will occur for 30 days I would have walked out of the bank and not opened an account there.
|
| 08/28/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
Worked for a bank now owned by M & T Bank. Requested in XX/XX/2023 that M & T Pension Services send me my funds of {$190000.00} so I could put them in my rollover IRA account. I requested that the funds be disbursed on XX/XX/2023. On Tuesday XX/XX/2023 I received the funds. However, the check was made out to XXXX XXXX and XXXX XXXX and not XXXX XXXX and XXXX XXXX. I am still waiting for the reissued check. I call the service center weekly to find out the status of my check. They claim it was mailed on XX/XX/2023. To date I have not received the check. They will not let me talk to a supervisor nor expedite the new check.
I planned to invest these funds in a 1 year XXXX 5.25 %. I have lost {$830.00} in interest income by not receiving the check.
I have lost all hope of receiving these funds and ask for your assistance in helping me procure the funds and the interest I have lost due to M & T 's mistake.
|
| 06/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
My credit report shows a 30 days late payment for my M & T Bank mortgage in XX/XX/2021. I made my payment on XX/XX/2021. I was NOT 30 days late. M & T has refused to remove the mark from my credit report stating that they report a month behind. This is not OK. I was not 30 days late making my XX/XX/2021 payment, and my credit report should not say that I was. I attempted to dispute this reporting with all 3 major credit bureaus and was informed that even though I provided the statement showing that I was not 30 days late, they do not actually have an internal team that does investigations. They simply forward it to the company and use the company 's response to the dispute. So since it is the practice of M & T Bank to report a month behind, I have a mark on my credit reports showing that I was 30 days late making my payment for XX/XX/2021 and I was not. This is affecting my ability to get a new mortgage.
|
| 06/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I was in the process of getting a mortgage modification with M & T bank. The modification agreement had been approved and the papers were sent to me for signature. The transmittal letter advised that I consult an attorney before signing the agreement. After review the document, I hired an attorney to look it over. There were a few issues that I had with the document and my attorney contacted the underwriter! ) the property was owner occupied 2 ) the interest rate of 6.875 % has not been reduced. In other words the bank did not make any modifications at all. Subsequent to my attorney contacting the bank, all calls and correspondence were thereafter unanswered. I am still making the payments required, but the payments are not being credited, and each statement has charges added to my mortgage statement that are in dispute. Is there anyway you can get the bank to contact my attorney to resolve these issues.
|
| 07/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I lave a auto loan with M & T bank ( loan number XXXX ). I have sold my XXXX XXXX because we don't need that many cars so I have the money to pay off this loan. I sent the final payment through my XXXX bank. The XXXX bank check was cashed by M & T bank XXXX XX/XX/XXXX but M & T did not post it as XX/XX/XXXX. I called them and sent message totem several time but they keep deny received it. Even give the details of their stamp on the back of check. Then one customer service reperesentive asked me to pay {$15.00} more by saying in case the payment was late so I have to pay the daily interest. I did pay {$15.00} as asked. However, they closed my account and blocked me to access my account online this morning so I don't know the final balance and what they are going to do withy Title.
To me this is a fraud, cheating. It is also wrong closing my account and XXXX me to access my account online within a day.
|
| 06/03/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Our mortgage is serviced by M & T Bank. M & T made a disbursement from our escrow to XXXX XXXX XXXX for flood insurance. I have had flood insurance for several years and I pay that separate from the mortgage. Flood insurance has never been part of the mortgage. The bank made this disbursement without my knowledge and consequently it caused the escrow out of balance and increased my monthly payment.
I contacted M & T first thing Monday, XX/XX/2019. My goals were three fold : 1. to have M & T acknowledge this problem 2. M & T to issue a corrected escrow analysis and 3. to restore monthly mortgage payment.
M & T initially stated they could not issue a corrected escrow until the insurance company returns the money to the bank. At this point I am beyond frustrated M & T made an unauthorized payment from my escrow and I have to wait to have my account reconciled until the funds are restored to the bank.
|
| 12/03/2023 |
Yes |
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
|
|
I did not receive any disclosures on opting in or out of credit reporting at closing. I have asked for the opt-in and opt-out documents, in addition, I need a copy of the 3-day recission documentation that outlines that I had 3 days from the date signed to cancel the loan. These are all supposed to be given to be in line with Federal laws / RESPA/.
The Company repeatedly sends a copy of a Note and DEED not signed by them so there is no agreement.
I have ALL the original closing documents and there are no opt-in opt-out in regards to credit reporting and 15 USC 1666 B, states that they need my permission. RESPA, and TILA disclosures are also not in the closing documents in regards to the 3-day right to rescind.
Do to the strain of fighting with the bank I am facing a divorce and have advised the Bank to forward all mail to XXXX XXXX XXXX XXXX GA XXXX to ensure that I receive their correspondence.
|
| 12/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I recently opened an account with M & T bank in hopes of switching over and finding a new bank to keep my savings with less fees involved. I made a deposit into my account and They held my check for 7 days which is completely normal. I had no worries since it was a cashiers check that I requested from my previous bank. Of course on the first of the month when my bills are due they block my debit card and my account. I have no access to my online account. I called customer service and the fraud department only to be transferred around numerous times over and over. M & T and their business practices are ridiculous. They ended up unblocking my account and I had access again. Everything was working perfectly normal but my online purchases kept getting declined for suspicious activity. Now a week later my account is frozen again my card Is blocked and I have 0 access to my online banking or my funds!!!!!
|
| 10/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Manufacturers and Traders Trust Company XXXX M & T XXXX XXXX, NY XXXX My account was closed in 2021 and I was never informed. I had about {$13000.00} total in my checking and savings account which were never sent to me. I called M & T bank several times to inquire whereabouts of my check and none of the XXXX or supervisors were able to help or locate where the money went. First time I called they assured me that the check has been dispatched and I would receive it in 10 days. That was XXXX22. Check never arrived. I called again a month back and again they assured me that the check would arrive in 10 days. Still no check. I called XXXX2022 and the supervisor ( XXXX, did not provide last name of XXXX number ) I spoke to could not locate any record of the check or even my account and how much funds I had. So far they have been dodging me and transferring me around to new XXXX agents who could not help.
|
| 07/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am filing a complaint concerning my local bank bureau. I went to with drawl money out of my checking account on the date as follows XXXX. I waited in the lobby for someone to assist me. When the lady to come out to assist me with my bank with drawl I asked to have XXXX dollars taking out of my account. The lady was very ignorant to me and told me that the money in my account could be fraudulent activity. I assured her that the large sum of money in my account was from my income tax. She went back into the back without letting me know and froze my account. I am now seeing on my online checking account that I'm in the negative due to them freezing my account. I would like something resolved from this issue to prevent anybody else going through this. Also, hearing a bank teller say " I have kids and I dont recieve a XXXX dollar check ''. First off where does someone have the right to even say that.
|
| 12/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
My name is XXXX XXXX earlier this year I filed a complaint against M & T Bank CFPB Case No. XXXX, my request was denied because the Bank said I never sent documentation supporting my refund request, in email I will prove I submitted proof not once but " twice '' to XXXX XXXX email address XXXXXXXXXXXX. Attached is copies of XXXX emails sent to XXXX XXXX employee of M & T Bank in XXXX XXXX Maryland email address XXXXXXXXXXXX on XXXX XXXX, XXXX @ XXXX and again at XXXX on the same day. Based on the fact that I did send in proof of me informing XXXX XXXX over and over again that I was being over charged and also asking them over and over again for my refund in writing, meets the requirements that you asked me to submit to you in your letter dated to me XXXX XXXX, XXXX. Therefore, I would like a full refund of my previous request to all fees put back into my account effective immediately.
Thank you!
|
| 09/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
To whom this may concern, I signed up for an M & T Bank Checking account on XX/XX/XXXX with the promotion code XXXX, which stated in the mailer that I would receive a promotional {$200.00} Bonus upon a direct deposit of {$100.00} to my checking account by XX/XX/XXXX.
I have met the terms of the offer by making the direct deposits to my account. However, I have not received the {$200.00} bonus as advertised.
I reached out to M & T bank on XX/XX/XXXX in regard to the {$200.00} not posting to my account. I received an e-mail back from XXXX from M & T Customer Service stating that I am not eligible for the offer since M & T Bank claims that my name was not included in this offer.
This is unacceptable. No where in the terms of the signup offer does it say that I would not be included. I switched banks from XXXX XXXX to M & T for this promotion and M & T is not holding up their end of the agreement.
|
| 06/09/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I made a large payment to cover half of the year in advance. They did not distribute the money properly. They then reported a late payment to me credit. After going through the storms to get them to fix it, paying my mortgage every month has been a nightmare. Each month I call to make my payment they act very confused as thought they have no clue where the funds are. They say Im late for mt payment then realize M & T is at fault then move money around to fix it. Yet after spending 1-3hrs on the phone with them each month, they somehow have me in the same position every single month. Falsely reporting my payment late and then having me waste 1-3hrs on the phone with them to reapply the money correctly and request their credit department fix my credit. This is mentally and emotional to draining and very time consuming. I can not deal with this month in and month out for 30 years this is insane!
|
| 04/02/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
M & T Bank recently acquired my mortgage. I was notified by my previous lender. I did not receive any information from M & T bank until XX/XX/2017 by mail via a letter dated XX/XX/2017. Their payment system was non-functional until XX/XX/2017, 10 days after my payment was due for XX/XX/2017. I made a payment but had to do so between website outages which were explained to me as daily " maintenance '' outages. I have never encountered any banking website or payment website that has such frequent outages.
On XX/XX/2017, I attempted to make my XX/XX/XXXX payment and again found their payment system non-functional. Although it allowed me to view my loan, attempting to make a payment redirected me to another site which redirected me back to my loan information page, providing no mechanism to pay.
This will again force me to make a payment late due to the bank 's inability to accept my payment.
|
| 05/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We have been scheduling our mortgage payment through our bank ( XXXX XXXX for scheduled payment prior to the due date each month. For XXXX out of the last XXXX months M & T has failed to cash our check in a timely manner and has blamed us for the late payment. They have charged us late fees and refused to remove them XXXX even when we have offered to take a picture of our XXXX account information showing the payment was debited from our account in timely manner ). We believe they have unethical practices and are just trying to cash payments late or say they " lost '' payments in an effort to make more money and collect late fees. They have even gone so for as to have there " mortgage assistance and debt collection '' department call me at work. This is beyond unconscionable. I have never been late with a payment and have never had trouble with making online bill payments with any other payee.
|
| 04/22/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have an account with MnT Bank, and on XXXXXXXX XXXX, I attempted to transfer money to another account but was unsuccessful. On XX/XX/XXXX, my account was blocked for suspected fraud. Despite calling their fraud hotline multiple times, I received no assistance, and they insisted that I visit a branch to resolve the issue. I contacted one of their branches and was able to unblock my account on XX/XX/XXXX in the afternoon. However, when I attempted to conduct some transactions and requested an increase in my withdrawal limit, my account was blocked once again on the same day. After contacting their fraud hotline again, I was informed that they could not help me online and that I needed to visit the bank in person. I was not provided with an explanation for why my account was once again flagged for fraud. Despite my request for an increased withdrawal limit, my account was blocked once again.
|
| 09/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have been trying to close my account with M & T Bank for several months. The company keeps taking monthly fees and makes it impossible to close the account. At first I asked for the fees to be refunded or I would be closing the account. I tried to bring new funds into the account to prevent the fees, but the system to valdiate the debit card to arrange external transfers was not working. I eventually was able to validate my debit card after about 2 months. I told them cancel the account via online banking, then via phone. The company tells me I need to go in branch - This is impossible as I am currently located in texas due to working disaster recovery for hurricane harvey. I was then told the only option is to send in an account closure request via mail. This is an absolutely ludicrous company. The online banking interface is sub par, and they seem to not be up to 21st century standards.
|
| 11/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
We have been banking with M & T Bank for many years. Recently, we have fallen into financial problems, and XXXX of the accounts became overdrawn. After contacting the bank, we agreed to take care of the matter within a month 's time. Imagine how devastated we were when M & T decided to just TAKE the money out of XXXX account and put it in the other account. Our paychecks disappeared, not once but XXXX. This has happened XXXX this month, and now there are NSF fees for the items we have on AutoPay that have come through and could not be stopped. We have attempted to speak with them, beg, plead, but they have been rude and judgmental, and basically we are being punished for struggling and not having enough money. I would like to know if anyone else has experienced this kind of situation, and we are considering getting a lawyer to recover the money that they took without notice or permission.
|
| 08/08/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was approved for a Partial Claim and XXXX sent documents to sign which I did.
They said the docs were notarized incorrectly so they sent me another package to have notarized. I resigned notarized and sent this 2nd package back XXXX on XXXX XXXXXX/XX/. Now they have transferred the servicing to M & T Bank. as of XXXX XXXX and the new company is stating I am short on the escrow because of hazard insurance never being paid for renewal XXXX XXXX XXXX Why?
Now the new M $ T Bank says they have no record from XXXX about any valid docs signed for the Partial claim and that my mortgage payments are going to be XXXX a month instead of the normal XXXXI feel as tho I am being setup for failure because they can not approve a new partial claim unless I pay the new XXXX immediately and I am currently in default.
This is a second complaint against XXXX and a new 1st complaint against M & T Bank.
|
| 02/15/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
For the past three years I have been calling the bank about my monthly PMI/ MIP ( Private Mortgage Insurance/ Mortgage Insurance Premium ) because it hasn't been coming down. They told me the monthly PMI/MIP is for the entire life of the loan. I have never missed a single payment, and in fact have paid more towards principal when possible. My principal balance is extremely close to falling to 80 % of the original value of my home/original loan amount. ( 79.5 % ) As an additional testament to my responsibility, another mortgage company XXXX XXXX XXXX XXXX ) cancelled my PMI entirely before I even reached 80 % principal to loan value.
M & T Bank has a poor track record with disclosing fees to their customers. I just received a settlement check ( ~ {$40.00} ) as part of a class-action lawsuit where they charged " pay-by-phone '' fees. Many customers were part of the class-action lawsuit.
|
| 08/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received a {$250.00} Fee from M & T for not signing up M & T Bank 's Online Banking electronic billing statement program. I was under the understanding that I already was as I was an existing customer and my other accounts where electronic. On XX/XX/XXXX I received a letter warning that if i didn't sign up for auto payments and ebill that I would be fined. That day I called M & T 's customer services line. I informed the rep I was calling from the letter that was just sent. She looked over my account and told me that no further action had to be taken and that I can disregard the letter. The next month I was fined for not signing up, I have called the customer services line and refuted the charge. They keep coming back with that the warning letter was sent and I did not take action. I took action to mitigate my damages and was misled by an M & T rep and now have been charged {$250.00}.
|
| 04/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American, Servicemember |
|
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!
|
| 06/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
The M & T BANK HAS RETURN A CHECK THAT WAS ALREADY DEPOSIT AND CASHED IN MY CHECKING ACCOUNT DUE TO A MISSING SIGNATURE FOR THE HOMEOWNER WIFE. I DEPOSIT THE CHECK ON XXXX XXXX AND THE CHECK WAS RETURNED XXXX XXXX. THE CHECK THAT WAS BEING RETURN CAUSE MY CHECKING ACCOUNT NEGATIVE XXXX. IM NOW BEING HIT WITH FEES AND ALL MY SUPPLIER ARE NOT PAID. I WENT TO THE XXXX BRANCH TO ASK HOW CAN THIS MATTER BE FIXED. THEY STATED PLEASE GET THE WIFE TO SIGN THE CHECK. T WENT TO HOMEOWNER AND OBTAINED THE WIFE SIGNATURE AND RETURN TO THE BANK TO REDEPOSIT THE CHECK. THE BANK MANGER XXXX STATED SHE CANT DEPOSIT THE CHECK. I SAID WHY DID I TAKE OFF WORK TO COME BACK DOWN HERE TO GET THE SAME RESPONSE AS YESTERDAY. XXXX THE BRANCH MANAGER WAS THE PERSON TO INITIATE THE DIRECTION THE SAID I NEED A FORM FROM THE BANK THAT THEY MAILED TO ME.
I NEED THIS MATTER EXPEDITED AND RESOLVED ASAP THANK YOU
|
| 03/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
I've been a customer of M & T bank since XX/XX/2007. At that time I used them as my primary banking. After some time I have spread out to other banks and accounts. Over the years, I would send funds to my M & T back account each month. I didn't use it as an active account but, I wanted to hold a balance with them.
Recently, I was able to log in to my account and found out that each month they were taking a {$14.00} a month service fee from me for a service that I do no use. I spoke to customer service and they were able to refund just XXXX months but, said I have to go to the bank if I wanted to resolve it further. I went to the bank and the cashier wouldn't help me at all. She ended up changing my accout over to an account that doesn't have this fee as another period were money was taken out.She also had to change the phone number and address on file.
I want my money back.
|
| 03/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I have attached all the documents regarding my dispute claim against M & T Bank with respect to mortgage account number XXXX.
Please be advised that I was never made aware, either by M & T representatives, whom I was in constant daily telephone contact, or the home appraiser, that I was responsible to pay the cost of {$38000.00} for the home appraisal. I only became aware of the charge the following month when I saw the charge added to my monthly mortgage payment. Since then I have been approved for a reverse mortgage and the balance of the mortgage loan has been paid off, and the service fee charge for the home appraisal was added to the paid off amount I want to be reimbursed for the unauthorized charge. Please let me know I you require additional information, if not please process my claim against M & T Bank As Soon As Possible. Thanking you in advance.
Sincerely XXXX XXXX
|
| 12/27/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Older American, Servicemember |
|
I requested to opt out of my escrow account and the request was not approved. My initial mortgage company ( XXXX Mortgage ) gave me the option of paying my own hazard insurance and county taxes because of the amount of my down payment. It was my understanding that my current mortgage company would honor the same provision of the original loan. Since M & T Bank took over my mortgage I over payed my mortgage by over {$7000.00} the first year ( XXXX ), and my mortgage payments for XXXX went from {$740.00} to {$2200.00}. This is because apparently they are unable do determine the amount of home owners insurance and property tax due at the end of the year. I am willing and able to make my property tax and home owners insurance payment directly to my insurance company and county tax office. Thank you in advance for your kind consideration in this matter.
XXXX XXXX XXXX XXXX, XXXX
|
| 11/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I recently opened an account with M & T Bank, and my debit card was stolen, and used to take out money. It happened at work, so any co worker could of seen my pin standing behind me at an atm any of those days. It is sad that you ca n't even trust your own coworkers!! I called M & T Bank to cancel my debit and order a new one, and I had trouble just ordering a new card, and they could n't process it, so told me to call back in a week! I have no money now and no card! How am I suppose to eat, pay bills, or anything?! The first time I called the representative was so nasty and hung up on me! I just want this bank to help me with this problem. I switched my bank to join the M & T family, and I have gotten no help! They have not given any response or resolve. Not even a provisional credit to get me by! They hit with fees from every angle, but ca n't help a customer in need. SAD!
|
| 07/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my M & T Bank XXXX XXXX and XXXX XXXX accounts on XX/XX/23 under a promotion and I was supposed to receive : + A {$250.00} bonus for having a {$500.00} direct deposit into my checking account within 90 days + A {$100.00} bonus for maintaining a {$2500.00} balance in my savings account in XXXX and XXXX I satisfied all of the requirements and per the terms of the promotion, both bonuses should have been credited by XX/XX/23 -- but I have not received either bonus yet.
I contacted M & T Bank via secure message on XX/XX/23 about the missing bonuses and received responses on XX/XX/23, XX/XX/23 and XX/XX/23 that they were looking into the issue -- but I have not received a response since and the issue is still not resolved.
I've attached the page I applied through with the promotion terms and a screenshot showing the promo code was applied when I opened my accounts.
|
| 05/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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Web |
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M & T Bank is imposing unreasonable requirements to close my account. On XX/XX/2020 I sent M & T Bank a written request to close my account. M & T has refused to close my account unless I mail a notarized letter. As I explained to M & T on XX/XX/XXXX, requiring a notarized letter is unreasonable not only because it costs money I can not spare, but also because notarization would violate the stay-at-home and social distancing orders. As I had already explained to M & T, for Covid-19 related reasons I can not even visit a bank branch, much less go see a stranger or have them visit my home for notarization. It appears M & T is making up reasons to hold my account open against my written wishes, to count me as a continuing customer and charge me monthly maintenance fees. I just can't afford it. Please see my attached correspondence with M & T Bank, and thank you for your help.
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| 08/09/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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Hello, I was applying for a HELOC with M & T Bank. I repeatedly asked for details of the loan and was not told of the interest rate or even given a copy of the loan documents until the notary came to my house with a copy. I was supposed to read over 100 pages at signing?
Complete scam. Loan originator stated there are couple hundred dollars in fees and all of as sudden there was over XXXX in closing costs. I ended up not signing the documents. I gave them all my financial information, they came to my house and did an appraisal which i requested a copy and they did not provide. I repeatedly asked for the loan documents through out the process so i can review them and they said i was not able to obtain a copy, yet the notary had one?
I asked for a copy of the appraisal and made a request and was never given that either. They even made me change my insurance to cover them.
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| 09/27/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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There were multiple transactions on my savings account. On XX/XX/XXXX there were three transfers to XXXXXXXX XXXX transfer. On XX/XX/XXXX there were 4 transactions between capital on and trial cr. All these transactions were cents. On XX/XX/XXXX 3 transactions for cents - 2 were to trial cr and one was to XXXXXXXX XXXXl trial. Reported to bank vis phone on XX/XX/XXXX. Attempted to freeze accounts they said they couldnt do it over the phone. Later that day {$22000.00} was transferred to XXXX XXXX
Also had trouble with my checkings account. On XX/XX/XXXX a fake personal check was uploaded for the amount of {$1900.00} to a XXXX XXXX. On XX/XX/XXXX a fake check for the amount of {$850.00} was cashed for a XXXX XXXX XXXX. And on XX/XX/XXXX a fake personal check for the amount of XXXX was cashed from a XXXX XXXX XXXX. All checks appear to have the same signature on the back.
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| 11/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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XX/XX/XXXX, the bank was instructed not to honor any ACH debits from XXXX XXXX. There were some issues that were eventually resolved after a complaint was filed.
However, the problem has happened again.
On XX/XX/XXXX the bank honored 2 ACH debits from XXXX XXXX. I called numerous times with no results : XX/XX/XXXX - Was told the would be credited within 48 hours. They were not.
XXXX/XXXX/XXXX - XXXX stated she would research it and call me back. She did not call back.
XX/XX/XXXX - Spoke to XXXX. She told me the ACH instructions had expired, and I would have to fill out new forms, which would be sent to me within 10 days. Once I returned the signed forms, the bank would respond within 45 days.
The ACH did not expire, as there was subsequent ACH charges that were allowed and then credited back to my account.
I believe i was lied to and decided to reopen the complaint.
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| 08/14/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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My mortgage company had changed from XXXX to M & T Bank in XXXX 2015. The new mortgage company has been a living nightmare every since. I open up my XXXX statement and they are stating that my mortgage was going to go up by an additional {$300.00} a month. I freaked out and got on the phone with them and they gave me their text book reason that my tax information has went up. I advise them they were charging me to separate taxes when our taxes here in XXXX GA is combined for a total taxes and fees. I tried to explain this to someone and they still want me to pay {$1700.00} and an extra {$150.00} on my mortgage. I would like for you to force the bank to redo their analysis because they are adamant their not have the right information. I even requested that they call the tax office here in XXXX, GA to verify their taxes are combined in accordance to my recent tax statement.
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| 05/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I applied for a COVID 19 forebearance in XX/XX/XXXX due to losing my job because of Covid 19 and today I received a Debt collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stating that my car loan payment wasnt received for XXXX and they are reporting this information to the credit bureau agencies. I received an email shortly after my application for forbearance that my request to not pay for 3 months was accepted but they are now still reporting this lack of payment to the credit bureau. I received the delinquency letter from them dated XX/XX/XXXX and When I just called them they said they called me and I didnt answer the phone so they are not accepting my forebearance request. This bank is not following federal guidelines due to the Covid 19 crisis mandates. Please contact XXXX XXXX XXXX XXXX to ask them why they are not abiding by Federal rules.
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| 04/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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the mortgage was taken over from another company who allowed us to make advanced and partial payments, M & T has allowed, it, but then they have been holding the funds and not applying them when they are received. therefore not giving us the interest reducing benefits of paying ahead of time. this misapplied payment procedure has cost us thousands in interest. that should be removed from the mortgage, as they hold our funds for weeks ( every month ) and then apply it. this has been going on for years since they took over the mortgage. we did not notice it at first, but then we asked them to apply the funds properly and to go back and fix what they had done and they refuse to, and they actual show the funds as unapplied on the statements. the attached examples reflect them holding funds and it it the same on every statement in between, month after month, year after year.
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| 09/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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M & T Bank offered me a consolidation credit card loan for my XXXX XXXX credit cards. However, M & T Bank sent one of the checks to an incorrect address and after several weeks, M & T Bank is continuing to refuse to provide me with total loan. M & T Bank has forced me to have to pay the debt from my personal bank account as I do not have access to the this portion of the loan M & T sent to the wrong address. Also, M & T Bank lured me into the XXXX, NY branch under false pretenses to sign a letter taking responsibility for M & T Bank 's error of mailing a check to the wrong address and is refusing to provide me with the money even after several weeks. I visited the XXXX, NY branch on multiple occasions ; contacted the M & T Bank customer service ; contacted M & T Bank corporate office ; and M & T Bank is refusing to refund me the money from the loan that M & T Bank lost.
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| 10/06/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I opened an account with M & T Bank last month, seeing the promotion for a {$150.00} cash bonus which attracted me to the bank. Late last month, I made a direct deposit, qualifying me for the {$150.00} bonus, which was revoked on XX/XX/XXXX ( yesterday ). After numerous messages to the bank on their website, I have yet to receive a response. Now, later today they completely closed my account with no warning. I called them and was on the phone for an hour speaking to a supervisor whom was advised not to tell me information about MY account. An identity verification was done via fax as requested a couple days earlier. I 'm forced to step into a branch that is n't local to me, which is a huge inconvenience. For an institution that 's supposed to be trusted with holding my money then closing it with FUNDS LEFT IN THE ACCOUNT, I 'm baffled. I demand a reasonable explanation.
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| 02/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I sent out a check on the first of XXXX which was the due date of XXXX payment. And it was not received yet. So when it did not cleared yet I made a payment over the phone thinking that the check got lost in the mail. The next day both the mailed in check and the phoned in payment got deducted from my XXXX XXXX account, which put my account in the negative by a lot. I called M & T bank to tell them the problem and they refunded my phoned in payment. Then they informed me that the check # XXXX was rejected on the XXXX or XXXX. Which was not true according to my bank. So XXXX payment never was credited to my mortgage. Which left me behind. And I am still behind. Can't catch up to the payments due do the lack of work. And can not refinance or defer because they reported to the 3 credit company 's of the late payments, Which my credit score is bad now. Hope you can help.
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| 06/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX. I emailed my Bank M & T Bank that handles my mortgage to please send me a way to get my ex wife off the mortgage as I have bought her out of the house. They instead sent me a letter stating that I dont qualify as I had missed a payment in XX/XX/XXXX as I had a XXXX and wasnt get paid my XXXX yet and XX/XX/XXXX as my account was hacked and money was taking out. I made a partial payment and made up the rest in XX/XX/XXXX. I feel they are discriminating against as I am still recovering from my XXXX. Also they like that my ex wife set up a variable rate before she left. The divorce was final XX/XX/XXXX. And according to court orders I must take her off the mortgage and M & T bank is not allowing me to do so and they will make me in contempt of court if not or I will be forced to sell even thought I bought her out of the home. Thank you for your help
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| 05/17/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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My Name is XXXX XXXX XXXX.
I got this case information on XX/XX/2019.
Someone opened checking account with under my S/S/N.
This is second case with someone opened checking account with my S/S/S.
I already reports to here first case on XX/XX/2019. ( # XXXX ) I do not understand these situation, how do they, bank, allow to open with different Name. He, who opened checking account, opened checking account with his ID and my S/S/N. The name is similar but same. how come banker who helped to open bank checking account, did not check all information carefully.
I do not know exact amount and happened because they do not give me whole story.
He took about {$80000.00} from bank and bounced checks. It happened early of XX/XX/2019.
M & T Bank, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am attaching another case ( # XXXX-XXXX ) with XXXX XXXX case.
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| 02/16/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have an outstanding debt with M & T bank and when I tried calling them they said it was moved to a collection agency and I needed to work with them, Ive never recd a letter but I did get phone calls I asked the agency to send me in written or email my debt it took 3 calls to finally get this letter emailed to me and when I tried calling them to arrange a payment I dont get a call back 1 week later I get a call from the agency ( XXXX XXXX XXXX ) they call me during my work hours Ive asked for them to all me after XXXX est time and they never do they only call during the day which I cant take. Ive left several voice mails to this agency after work to have them call me back. Its not right that they only can call while Im at work esp since this is a dent and a private matter for my coworkers not to know. Im looking to resolve this and get it off my credit report
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| 06/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On or around XX/XX/XXXX Original loan debtor transferred her interest in the property to her brother due to her illness. On XX/XX/XXXX, Original loan debtor passed away. A probate was opened thereafter and an order naming maternal brother the Administrator was approved by the Judge on XX/XX/XXXX, which expired on XX/XX/XXXX, and reissued for the purpose of finalizing the Loan Modification. A modification was submitted on XX/XX/XXXX and approved for a trial payment of 90 days. Thereafter a final modification was approved on or around XX/XX/XXXX.
However, the Mortgage Company : XXXX XXXX XXXX XXXX XXXX and/ or their agent Servicer : XXXX XXXX XXXX ; failed to respond to the proper notification of the probate court to place the mortgage within the Estates name, even after several notifications and follow up, phone calls from XX/XX/XXXX until present XX/XX/XXXX.
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| 12/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Dear Sir/Madam : Loan # XXXX I am asking for your assistance with resolving multiple issues with M & T Bank. The attached letter to M & T bank lists the issues that remain unresolved despite several attempts to resolve them with M & T bank and XXXX Mortgage services who is the mortgage service company.
The loan defaulted and foreclosure proceedings was stopped when a modification agreement was offered by XXXX and was accepted and successfully completed. Now M & T Bank is not honoring the modification agreement monthly payment amount. M & T has suddenly increased the monthly payments from {$3100.00} to {$5200.00}. Also, I believe that M & T bank is not deducting the legal and other fees discharged in my bankruptcy discharge obtained on XX/XX/2015.
Your assistance will be greatly appreciated in resolving these issues with M & T Bank and hence saving my home.
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| 09/14/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Servicemember |
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My wife and I opened a business checking account as she already had a M & T account. " bundling '' all accounts allows us to not have a minimum balance and avoid fees. twice this year our account has been overdrawn because they are charging us unjust fees and twice this year we have had to go to the bank and have them reverse the fees because our " bundling package '' was never set up correctly. I 'm wondering if this is fixed or are we going to have to go through this again! then we found out that when we deposit checks without envelope through an ATM and the amount of the check deposited is different than the real amount ( even by XXXX cents ) they charge us {$8.00}. Outrageous! Also, I never read anywhere that when we use our ATM card in a non-M & T machine we pay the ATM charge to the ATM provider but also a {$3.00} fee from M & T! their charges are fraud!
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| 03/03/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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My mother is XXXX XXXX XXXX. Her account was compromised due to fraud. A detective from M & T bank contacted me in XX/XX/XXXX to tell me there was money being laundered from her account. My mother took out credit cards to pay the thieves from her account.. The tellers at the bank allowed an XXXX XXXX XXXX women take out credit cards totaling approximately {$11000.00}. M & T was aware of my mothers financial status. She is now in {$11000.00} debit to M & T bank. I believe M & T has predatory lending practices and we would like to have the credit cards discharged. She has already paid approximately {$3500.00} in credit card bills to M & T.
I have contacted M & T on numerous occasions XXXX, XXXX and recently in XXXX. I have called on behalf of my mother and the matter has not been resolved.
Your attention to this matter would be appreciated.
XXXX XXXX XXXX
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| 02/28/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Banking errors
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Web |
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I had previously filed a complaint, CFPB case number XXXX, because M & T Bank had refused for over six months to update my account with my new address and was knowingly sending personal and confidential information to my old address. I filed my complaint as I was concerned that M & T Bank would send my XX/XX/XXXX XXXX tax information to my old address. M & T Bank response to my complaint did not make any sense but as part of its response M & T Bank stated that it had updated my address in its records and that my XX/XX/XXXX XXXX tax form would be send to my correct, current address. Specifically, the XX/XX/XXXX letter they sent to me states : " the address has been updated for any applicable year-end tax forms. '' However, my address was not updated and M & T Bank willfully and knowingly sent my year end XX/XX/XXXX XXXX tax information to my former address.
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| 04/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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M & T Bank issued auto loan to XXXX yr old working woman for XXXX XXXX XXXX in XXXX from XXXX XXXX in XXXX NY. Would not take automatic loan payments deducted from paycheck, kept adding late fees and charges even though payments were being made with much struggling. They repossed in XXXX for 2 missed payments due to illness, at a cost of about XXXX dollars in repossession fees. Had ca r 2 yrs and transmission went 2 times but not covered due to milage, about XXXX dollars total. Pleaded w/bank to lower payments but they just added costs and interest and late fees. They made a predatory loan to a person that just needed a car for work but only had a trade-in to work with. Will end up paying XXXX dollars for a XXXX dollar car all because M & T Bank and XXXX XXXX saw a working class poor person in a vunerable situation.
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| 01/17/2019 |
Yes |
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- Trouble during payment process
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Web |
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Dear Sir or Madam, On or about XX/XX/XXXX, I spoke with an M & T Bank representatives about unknown charges that were being added to my mortgage payments. These other charges are shown on the M & T Bank mortgage statements in section explanation of amount due. I notice that these unknown " other '' charges were being included in my mortgage payments from XX/XX/XXXX- year to date.
The M & T Bank representative mentioned that the extra charges could be a result of attorney fees being added to my mortgage payments from XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ).
If these statements are true for any reasons, it is unlawful for a loan servicer to add attorney fees to a homebuyer mortgage payment. Furthermore, My loan was transferred from ( " XXXX '' ) to M & T Bank in the year XX/XX/XXXX. ( " XXXX '' ) became the first loan servicer of my loan on XX/XX/XXXX.
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| 01/29/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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XX/XX/2019 opened an account with MTB Bank. I was able to successfully open the account and also make 2 small deposits totaling XXXX cents from my other bank institution so they can verify the deposits and allow me to make transfers back and forth.
My account was immediately locked by MTB until they received a copy of my ID and social security card. I sent a fax with my prior year tax returns and a copy of my license but MTB said they needed a copy of the actual card ( I lost it ).
I am trying to close my account as I haven't had time to obtain a new SS Card and MTB is telling me they can not close it because it has a balance of XXXX cents. The problem is I can not withdraw the XXXX cents because the account is locked. In addition they have been charging me service fees ( without my knowledge ) without even being able to access or close this account.
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| 08/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I was discriminated against at M & T bank, the manager denied me of withdrawing my funds for no apparent reasons. He told me he won't pay me this is above his pay grade. He froze my account and blocked my debit card. I told him the wire came from my other account and I can show him all the details along with my online account. He said he doesn't want to see anything and he threatened to call the cops on me.
At this point I have things to do financially, everything is on hold for me. I have called the call center and various M & T branches to have it resolve, no one seems to help. I also left numerous messages for him to call him, up to now no call back.
The manager name is XXXX. I have also attached my verification letter from my other bank account where the funds were original wired from.
address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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To Whom It May Concern, My name is XXXX XXXX, and I have been trying to work something out with my mortgage lender for about 3 months now and i constantly continue to request a short sale and the lender keeps saying that they do not approve short sales. I find this hard to believe since the Federal Government has had the underwater program in place since 2008 or earlier. I am reaching out to you to ensure that immediate attention is given to my concerns. I feel as if the lender is being unreasonable and I am desperate for help. I am trying my hardest to get this taken care of and they are not doing what the government says the lender should to provide me with foreclosure alternatives. I need your help. I need your assistance. I need for you to intervene and review my documentation for the short sale. I have a buyer, i have a good contract and i a need.
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| 08/31/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I have encountered daily overdraft fees ( {$38.00} each time ) from M & T Bank. Additionally, they tack on another {$38.00} for every five days that the account is in the red. This makes it impossible to get the account into the black. On XX/XX/2018, I requested that the bank waive the fees for the prior two-week period in an effort to resolve the issue. I explained that my dog had recently had a {$700.00} surgery which left me with little in the way of money for that pay period. When I was paid on XX/XX/XXXX, the account remained in the negative due to their exorbitant overdraft fees. I received a response from the bank indicating that they would not waive any of the fees as I had requested they waive some in the past. They made no effort to provide any semblance of customer service and their fees are costing me hundreds of dollars that I don't have.
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| 08/29/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I used my M & T Bank XXXXDebt card to purchase several baby shower gifts from XXXX. One of the gifts was a " gift card ''. When I gave the gifts, I discovered that the " gift card '' had no value ; the amount I stored on the card had been fraudulently used. I reported the issue to XXXX, their customer service informed me the way to handle it was to report the issue to my Bank. I sent M & T Bank the incident report and reply from XXXX requesting that they charge the transaction back to XXXX and return the funds to my checking account. XXXX XXXX XXXX first refused.. then required I send more documentation.. then applied a temporary credit.. then removed the temporary credit. And informed me they would not return my credit. ( this reversal also allowed M & T bank to create a overdrawn condition on my account and charge me a fee for the negative balance..
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| 10/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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My vehicle had water damage last XX/XX/XXXX it took til XX/XX/XXXX for the insurance to claim it a full loss. GAP insurance has not kicked in yet for the ramainding balance of about $ XXXX.I have been cooperative with M and T Bank with this matter. XXXX, XXXX they began reporting me to the credit bureaus for repossession and charge off. I have been sending every document into XXXX GAP claims as they request claim number XXXX. XXXX states as they received documents it takes up to four weeks to process them. The list of documents is very long and confusing and originate from various sources. The Vin on the lose car is XXXX The account with M and T Bank is # XXXX.Balance is $ XXXXWhy ais my credit being ruined if I am cooperating and waiting on insurance companies to process this claim while having to do all the leg work for them in obtaining documents.
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| 04/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am contacting your office because of an increasingly frustrating issue with XXXX XXXX XXXX concerning my mortgage. I have attached my original document to M & T and all the following correspondence. I believe the issues are clearly represented in my correspondence, and because of the inexplicable delays in responding to my simple requests, I can only begin to suspect that there is possible fraudulent action taking place. Please find all documentation concerning this dispute. I will continue to make the last undisputed payment amount as of XX/XX/2018 until this dispute is settled appropriately, however there are only two-three payments remaining and once paid, the likelihood of my collecting any overpaid or misapplied payments will be nil. I respectfully request you and your office immediate investigation and assistance in resolving this situation.
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| 08/04/2020 |
Yes |
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- Incorrect information on your report
- Account information incorrect
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Web |
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I filed chapter XXXX bankruptcy on XX/XX/2019 and in XXXX I signed the reaffirmation papers with my attorney who provided them to M & T Bank. I was told by a bankruptcy specialist that once my reaffirmation papers were received that my account would be updated and my credit report will update showing my mortgage and the balance. My bankruptcy discharged in XXXX and in XXXX my mortgage account with M & T Bank was showing as active along with the balance I owed at the time. A couple days later my credit report was updated again stating paid in full. I called M & T and was told that it was an error and would be fixed. A month later in XXXX it was reporting an open mortgage again but has never reported the balance. Ive called several times since then and no one has helped me correct this. I was told I would get callbacks and no one ever called me.
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| 10/09/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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Hello, my issue is with M & t bank. Back in XX/XX/2020 I recieved a SBA loan for my XXXX that I am XXXX XXXX of, everything was fine I was rebuilding my XXXX everything was going well. Until XX/XX/2020 my account was frozen. I was told it could take 48 hours to review. I patient ly waited, heard nothing from them called back for them to tell me they had no new information. So of course I offered to give them my LLC, EIN, and loan application which I emailed to the bank manager XXXX XXXX. I call literally every single day up until last week when I was told the bank manager would be going on vacation. Then started back calling everyday just for a update. The 1800 # as well as rhinebeck back, have no information. I've asked for a time frame. Still nothing. So now its been over a month and their withholding my money that I am paying interest on.
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| 10/03/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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In XX/XX/2017, I made a late payment on my mortgage to M & T Bank. It was not yet past 30 days, but it was late. I paid via my online checking account from XXXX. I entered the wrong address for M & T, and the check was sent to their office in Texas. The money immediately left my checking account, so I figured they received it. They never did, so I had to cancel the check from XXXX, and I re-sent the payment online, this time on M & T 's MyMortgage website. At this point it must have been past 30 days late. When I spoke to customer service, they said they'd charge the late fee but it would not show up on my credit report.
Now, almost a year later, a mortgage broker pulled my credit and it's showing up as a negative mark on my credit report. M & T says they can not remove the negative mark, that I have to file a dispute with the credit bureaus.
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| 12/10/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I have been getting charged insufficient fees from M & T Bank. WHen I call their customer service number, they tell me if I go into the negative, and bring it o a positive by the end of the next business day, that I will not get charged an insufficient fee. I have gotten XXXX fees in the art 2 months, and would like them credited back to my account. I did file a compliant with the bank itself, and a Manager called me, but, she said she could n't do anything about the call center calls, that someone else would have to handle that. I do n't agree with the fact that their customer service reps say one thing, then you call and ask if you can have the fees credited, and then they argue with you non-stop about it!!! Please help me in getting this rectified, as I would like to continue banking with this bank! Sincerely, A Very Dissatisfied Customer!!!
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| 07/17/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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My mortgage was bought out by M & T Bank XXXX XXXX XXXX XXXX, NY XXXX. I pay my payment through bill pay and it is set up to be delivered to M & T Bank by a certain date. If it arrives XX/XX/XXXX or after they will charge me a late fee according to their statement. They have gotten my payment before XX/XX/XXXX and charged me a late fee on several occasions. I brought this to their attention and they have failed to refund the fees for all of the times they have charged me a late fee when it was n't late, according to their terms. It happens often that they charge the fee regardless. I usually pay my payment between XX/XX/XXXX and XX/XX/XXXX the first years they had the contract, but now since they have been charging me a late fee regardless, and I ca n't get them to stop, I just pay it reluctantly with the late fee as part of my monthly payment.
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| 12/06/2022 |
Yes |
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- Trouble during payment process
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Web |
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I worked with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ), XXXX XXXX send M & T Bank a total of {$71000.00} to being my account up to date and for me to continue making payment. XXXX M & T Bank only credited my account {$70000.00} which makes its short {$770.00}. I already tried correcting this with M & T bank and all they tell me is that I have to call XXXX XXXX. XXXX XXXX sent me a receipt that they paid {$71000.00}, however M & T bank is refusing to properly credit my account. I have spent numerous hours in the phone with M & T Bank and they dont do anything, the representative seem to lack knowledge and all they tell me is they cant do anything. My case has been escalated numerous time, but nothing results of it Im so frustrated that I dont know what to do. I need your help. Im tired of dealing with M & T Bank, they are the worst.
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| 02/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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M & T Bank has an offer for a Credit Card. No Fee & 1 year no interest. I applied over the phone on XX/XX/XXXX and get approved for over $ XXXX on the phone and give them my info for a balance transfer to my Credit Union for {$2400.00}. Wait a few weeks & receive a letter dated on XX/XX/XXXX. But did not receive the letter until XX/XX/XXXX. Unable to Process.
I called XX/XX/XXXX gave them to information again. Called XX/XX/XXXX to see if confirm. No answer. Called XX/XX/XXXX they said unable to process. Should be receiving a letter. As of today no letter. Called XX/XX/XXXX retook my bank info again this time I asked for {$2300.00} transfer.
Note all time on the phone is over a half an hour on the phone. Customer Serice can't give me a answer why it does not go through.
Except that their offer is only good for 60 days. They are stalling.
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| 01/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Please refer to original case number XXXX.
M & T guaranteed to remove the incorrect information from my report. I have the letter in which they indicated that they would update all credit bureaus in regards to fixing this issue.
In XXXX of XXXX, my XXXX XXXX was totaled by a large truck on XXXX. XXXX deemed it as a total loss and paid off my car with the exception of about {$300.00} or so. I advised M & T that I was waiting on the GAP insurance to be processed, but because I kept getting threatening calls, I paid them off. Eventually they sent me the reimbursed amount in XXXX for about {$300.00}. The account was closed with a XXXX balance with a good standing. It was removed from all reports, but I received an alert from XXXX that it was back on my report. My installment loan was for an account that is identified by the following XXXX.
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| 11/27/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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WheredoIstart?! ForaboutfourdaysstraightIhave experiencedallsorts of negatives.
BelowisthesituationsI haveexperienced : -Lockedoutofmybanking account'smobileappfor noapparentreason.
-Lockedoutofmybank account'onlinewebsitefor noapparentreason.
*Hadtoresubmitsecurity questionsalloveragain.
-Blockingpurchasesfor suspiciousbehavior, with companiesIhavedone businesswithmanytimes, inthepast.
-Outragiouslylongwait timestospeakwiththe FraudDepartmenttoget themtounblock purchases.
-Atwo-waytextalerts featurethatallowsyouto approve ( override ) blocked purchases, whichdid n't work.Finally, afterspeakingtoseveralfrauddepartmentagents, wasfinallytoldthatthetwo-wayalerts wouldn't workproperlyuntil14days.
Absolutehorriblecustomerserviceexperiences.
Somethingneedstobe donetofixtheserepulsive customerserviceissues!
Thanksforyourhelp.
Takecare.
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| 09/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I had a checking account with M & T bank. On XX/XX/XXXX I sent a secure messages asking them to close the account. I got a notification in XX/XX/XXXX that my online statement was ready, thinking little of it since often banks will do one last statement for a closed account. I got a notification this morning that another online statement was ready. I accessed my account and discovered that not only had my account not been closed as requested but that I had been charged a service fee of {$24.00} for both XXXX and XXXX, bringing my account into a negative balance of almost {$50.00}. I attempted to secure message M & T this morning to ask why this occurred but it says " Were experiencing high volumes in our inbound secure message system and the ability to send messages is currently unavailable. '' Phone support is also not available on Sundays.
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| 09/08/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem using a debit or ATM card
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Web |
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The date was with XXXX via M & T bank. There was a payment sent to a fraudulent company, XXXX XXXX XXXX in XXXX, Wyoming. They are a fraud company who refused to give me the services of movers on the date and time ( XX/XX/2022 at XXXX ) agreed upon. Their business information is here : XXXX XXXX ( XXXX ) XXXX https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX The dispute was for {$530.00} made on XX/XX/2022 to XXXX XXXX XXXX XXXX XXXX. I got a notice from my bank, today, that my claim for a reverse charge and a cancellation of the payment to XXXX movers was denied and there was nothing they could do for me. This company has a horrendous reputation and I have filed with the XXXX about this company as well. They refused to reemburse me for a product and service they did not deliver.
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| 07/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I sold some stock with XXXX XXXX, {$77000.00} and deposited a check from my XXXX XXXX account, {$45000.00} into my M & T checking account which bounced. Called XXXX who told me that my check writing account was frozen by me which it was not. The woman I spoke with was able to turn it back on so I could write checks from XXXX. I then deposited the whole {$77000.00} into my M & T account last Wednesday XX/XX/XXXX. M & T Bank has completely froze my account per their financial crimes people. I know that XXXX has released the money but M & T is investigating like some kind of fraud has happened. Besides that $ XXXX I had just shy of {$10000.00} in that account and now the checks that I wrote to pay bills are bouncing which is going to ruin my good credit. I tried talking with their people doing the investigating but they refused my phone call
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| 12/12/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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Please be advised I have submitted a full short sale package to my lender M & T Bank and we continued to submit all the documents and udpates. The lender declined the short sale after appraisal and stated my listing agent to sell for a full price offer. The appraisal was XXXX I have not been behind long enough for FHA to decline per my default status of the loan. We have been requesting the payoff letter from the Attorney on file and the Lender nearly a month and they would not accept my Authorization and asked that I notarize one to give to them? the property is still in my name I should be able to request a payoff to ensure the listing will pay the loan in full. The buyer of my short sale placed a full offer of XXXX to purchase the property and was sent to M & T Bank and they need to review that as per not helping us to get the payoff.
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| 05/11/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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My husband made a cash deposit of {$1800.00} on XXXX XXXX , XXXX . CASH, handed to a teller, counted and confirmed. That evening I transferred the money to my checking account so that I could pay my mortga ge ( our accts are linked but separate ). The bank put a hold on the deposit stating some rule that if a deposit was made after a certain time then it would n't post until the next day, however, had he deposited thru the ATM the money would have been immediately available. That is the complete opposite of previous banking rules! It was cash, handed to a live human being! At any rate, me transferring the money that the bank says was n't there resulted in 5 overdraft fees. The bank has refunded 3 out of the 5, however, that is not acceptable. I believe the bank is participating in predatory practices to steal my hard earned m oney.
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| 10/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Closing on a mortgage
- Delays with the closing process
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Web |
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We were in the process of selling our home. On XX/XX/2023 we called the bank asking for proof that our forgivable loan was satisfied. We never recieved any documentation. Meanwhile we closed and the title company is still waiting for the satifaction for this sonymay loan. This should really have been sent to us over a year and a half ago. Last night I called to find out if the satisfaction was ever completed and I was told it never completed it was left open. I asked for this to be expidited by today and I still do not have the satisfaction from M & T bank. spoke to a supervisor who told me I still have to wait a couple of days. M and T bank has been giving us a hard time while they carried our mortgage and are still giving us a hard time getting the balnace of our escrow money from the title company while waiting for this satisfaction.
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| 10/02/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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i am in the process of refinancing my loan to a lower interest rate. As a result, the loan will originate with XXXX XXXX XXXX, and my current loan with M & T Bank will be paid off. The payoff letter includes a late payment fee with a 0 day grace period. All of my statements have a 15 day grace period, and is also a requirement for VA loans. I can not get M & T bank to issue a new letter correcting the late fee. And, the title company must include the late fee in the payoff amount, as directed by the letter. I have called multiple times, as has XXXX XXXX to get the letter corrected. As of today, XX/XX/2021, ( letter is dated XX/XX/2021 ), i am unable to get a letter. Every representative I speak to, indicates that their 'system ' doesn't allow them to amend the letter. This is liken to a penalty for refinancing with a different company.
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| 08/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My mortgage company has held/stolen {$89000.00} from me since 2013 and has failed to ever report this lump sum which was an overpayment of what was my principal balance. I am due a refund on the overpayment, I have tried numerous times to resolve this and they continue to lie and get away with it. My credit has suffered and I have experienced emotional distress. Four years is too long. Their attorneys have my money listed as a suspense amount, and even with that error-they at least have a better account of my not owing the fraudulent amount M & T Bank continues to report. I do n't owe them a dime, they owe me money and have gotten away with many violations of Dodd Frank/RESPA Acts including : pyramiding late fees, force placed insurance costs on vacant land that requires non, escrow mismanagement, misapplied payments and it goes on ...
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| 04/26/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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M & t Bank, a non-party to my mortgage loan, is inserting itself and interfering with my Notice of Grievance to the owner and note holder of my mortgage loan. I am concerned that M & T Bank may have used my nonpublic personal information to insert itself into communications between myself ( the borrower ) and the note holder.
In paragraph 2 of their letter ( see attachment m & t_bank_letter.pdf ), M & T Bank made multiple false, deceptive, or misleading representations. Given the following : 1. There have been no previous requests for documentation.
2. The original Deed of Trust was recorded on XX/XX/2000.by XXXX XXXX XXXX .
3. On XX/XX/2000 an unauthorized altered Deed of Trust was recorded by XXXX XXXX XXXX, the same lender..
4. The alterations were not made by the County Recorder 's office as a function of the recording process
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| 03/19/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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I opened an account with M & T bank online on XXXX/XXXX/15 and immediately funded it with an automated transfer of {$500.00}. A little over a week later I got a letter requesting that I fax in a copy of my DL, Social, and utility bill for address verification which I did on XXXX/XXXX/15. Fast forward to today, XXXX/XXXX/15 and I have not heard anything back so I called M & T bank to find out the status and I was told that they still have not reviewed it and my {$500.00} was on hold. I demanded that my account get shut down and my {$500.00} returned but I was told that could not happen until they reviewed my information that was faxed and released the hold on my account. I asked how long that would take and I was told it would take as long as they want, which would render my {$500.00} hostage until they got around to figuring stuff out.
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| 10/07/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I have been living in XXXX during the XXXX XXXX pandemic. In XX/XX/2022, I was approved for a third forbearance and a trial loan modification with a 3.5 % interest rate. In XX/XX/2022, the loan servicer M & T Bank sent me loan modification documents requiring me to have them attested before a XXXX notary prior to my loan modification being approved. Due to XXXX XXXX restrictions, the earliest date I could get a XXXX notary public was XX/XX/2022. Without any warning or notice they cancelled the loan modification in XXXX, returned payments I made in XXXX and XXXX. They are demanding a lumpsum payment of {$23000.00} and threatening foreclosure. I have asked them/they have refused to give me a payment terms that allow me to pay this amount in installments and resume mortgage payments. A copy of the request is attached, and proof of funds.
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| 10/08/2023 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Older American, Servicemember |
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Monthly increase, {$22000.00} to XXXX. Escrow mistake XX/XX/2023 actual disbursement {$3200.00}. I paid that delinquent supplemental assessment bill XXXX XXXX, XXXX. XXXX XXXX I have a letter from M & T Bank XXXX XXXX, XXXX XXXX XXXX XXXX, in short, he says the bill is on me. The bank escrow does not receive supplemental tax bills, they're sent to the customer. M & T founded out about this bill because I filed a complaint with CFPB # XXXX. There was no bill for them to pay. Their saying the monthly increase is due from that {$3200.00} disbursement. Also in XXXX XXXX, I was approved for tax exemption. Which should have canceled their 12 month projections {$2300.00}. Tax bill changed from ( {$2200.00}, to {$1500.00} ) but I will still have to pay XXXX in XXXX. I was trying to find out if their numbers are correct.
Thank you, XXXX XXXX
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| 07/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The same dispute as before continues unresolved, with new features.
The bank known as M & T agreed to accept a complementary payment to take the {$510.00}, which they are holding and refusing to return to me, and add it to an amount given to me by XXXX and arranged to be applied. This check was refused and no payment was credited.
As though it were a new idea, M & T bank sent me a letter saying to pay a DIFFERENT amount and it would be added to the {$510.00} and accepted as full payment. I sent this amount in ( {$140.00} ). They cashed the check and never made the payment. Never acknowledged receiving it and the money has gone into oblivion. Then they started harassing me by phone and applying late charges.
I want this nonsense and incompetent and illegal banking procedure to stop at once and have all of my money returned to me.
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| 03/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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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.
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| 09/09/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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My property has a foreclosure sale date for XX/XX/XXXX. My servicer is M & T Bank. They rejected me for a loan mod and I have engaged agents to sell my home as a short sale. My agents have continued to provide everything needed for short sale, the only thing left to be done is for the servicer to order an appraisal/valuation to compare it to the value. M & T is refusing to do this, saying that they need more time to upload documents. My agent has ALREADY verified that all documents were recieved, and has previously been told that 48 hours is the upload time, but NOW M & T ( XXXX to be specific ) says it 's a minimum of 5 days. I believe he is stalling in order to send us to foreclosure. We have a GREAT offer on the table and there is NO reason they are refusing to work with us. I do n't know if they think they 'll make money or what?
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| 12/02/2018 |
Yes |
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- Trouble during payment process
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Web |
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t 'd be great if there was a more transparent process for getting PMI cancelled without having to refinance. I don't know if this is a FHA problem or a bank problem or both.
1. I asked my lender for information on cancellation of my PMI in XXXX. They sent me a letter informing me that I qualified for cancellation but referred me the FHA. In a follow up phone conversation with the lender, I was told by the lender that the cancellation is automatic and that I didn't have to do anything.
2. I checked with the FHA website and only received vague guidance that referred me back to the lender.
3. In my specific case, I've easily gone over 1 year without a late payment and my loan to value ration is better than the 78 per cent that is required. The ratio was in my favor for cancellation within 1 year of closing.
Thanks for your help.
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| 02/06/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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I was charged over {$15000.00} in bank fees in 3 months. My cash deposits were held as pending and fees accumulated due to the timing of the deposits. Holding deposits caused negative balances, NSF checks and many bounced check fees. A detailed review of my account listed the time of many transactions as " time not available ''.
My account was set up for XXXX transactions. All transactions over XXXX are charged {$1.00} per transaction. I made several requests to have my account changed to an account that would accommodate more transactions, but the account was never changed. In one month I had XXXX transactions.
Information about my account was provided to third parties without my consent, which proved damaging to my reputation.
Requests for reimbursement of the fees were ignored and then finally denied with out any explanation.
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| 03/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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On XX/XX/2023, I went online through M & T Bank and paid off my vehicle {$5700.00}, however I never saw the transaction go through in my XXXX XXXX account, so on XX/XX/2023 I paid off my vehicle again.
I went to the M & T branch in XXXX, NY and spoke with XXXX on XX/XX/2023 to stop the transaction. She stated don't worry about it because it was pending and M & T Bank should kick back my money.
I called XXXX back on XX/XX/2023 and told her I still did not get my money back. XXXX stated I should check my XXXX account on XX/XX/2023 as I should be reimbursed my money then.
I received my letter in the mail stating my vehicle was paid off in full.
I was not and so, I called the M & T Bank in XXXX again on XX/XX/XXXX at XXXX hours.
This bank had yet to reimburse me my money and it has almost been a month since the transaction.
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| 09/30/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem making or receiving payments
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Web |
Older American, Servicemember |
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People 's United Bank transitioned to M & T Bank XX/XX/22. M & T sent me information about continuing to use XXXX and how I was to go about this. I went through all the steps many, many times without being able to connect the bank to XXXX. I have spent literally hours on the phone with M & T trying to resolve this. Last week I spoke again with M & T and " XXXX '' said she would work it out and call me in a few days. It has now been almost 2 weeks and I have heard nothing from M & T. At this moment, I have been waiting on the phone for 1 hour and 25 minutes to speak to someone in online banking. This is really completely unreasonable.
I had no choice about my bank being changed or my services curtailed and I feel completely helpless in trying to resolve their problem when I can not even speak to someone after 1.5 hours of waiting.
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| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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1 ) .XXXX County.Clerc Of The Circuit Court Style : XXXX XXXX XXXX XXXX , Morgtgage Pass-Thtough Certificates Series XXXX-XXXX XXXX Uniform Case # XXXX Clerks Case Number:XXXX Court Type : Circuit Civil Case Type : Homestead Residential Foreclosure Judge : XXXX XXXX XXXX Case Status : Disposed Last Docked Date:XX/XX/XXXX Filed:XX/XX/XXXX.
XXXX, XXXX ( Plentif '' s Attorney ) XXXX XXXX Fl, XXXX Amout Assesses {$1900.00} Amount paid {$1900.00} I never been a Tenant of XXXX XXXX, and never lived at this address.
2 ). Style : XXXX XXXX vs XXXX XXXX Uniform Case # XXXX Clerk Case # XXXX Court Type : Circuit Civil Case Type : Non-Homeestead Residential Foreclosure Judge : XXXX, XXXX XXXX Last Docket Date:XX/XX/XXXX Disposition Judge : XXXX, XXXX I never been contacted about that even. I never been her Tenant. Amount paid {$1900.00}
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| 08/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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Good morning, We have an existing mortgage with M & T Bank. However, they have been negligent in following up about taxes and overpaid the taxes due to an error of their own.
Our new home was built on a former plot and it had a specific plot number. However, on the same plot there are two new homes. M & T did not bother to check with the town and decided to overpay taxes by nearly {$15000.00} that increased our mortgage amount by $ XXXX/month because of an error on their part.
The town has acknowledged that the bank overpaid. The bank has acknowledged that they have overpaid. However, the bank has not credited us the amount of the overpay.
We would like an immediate relief in the following format : 1 ) full refund of overpayment 2 ) interest for the amount of overpayment 3 ) recalculation of mortgage payment Thanks, XXXX
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| 12/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Good afternoon - We have a credit line with M & T bank. Today we received a call advising we were behind on our account, and it has hit our credit 2x. My concern is we were not given the chance to liquidate our bill. We did not receive anything via mail and or a phone call. As all Americans we make mistakes and have oversights here and there, and a reminder phone call is always welcome on this situation. If that would have happened we would have made the payment right there and then, and non of this would have happened. We are just asking for the opportunity to pay before you hit our credit with a negative marker. The fact that they did not attempt to call to collect the debt, before it was to late is not acceptable.
If you have any additional questions please feel free to contact me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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|
Web |
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On XX/XX/2023, attempted to open a new small business checking account at the XXXX, VA branch located on XXXX XXXX XXXX. During the account opening process, I was met by the branch manager and a second customer services representative. After providing my EIN number and identification to open sole proprietorship account, the branch manager became defensive and abruptly left in order for the customer service representative to assist. The branch manager also indicated that I would receive the necessary disclosure and account opening documents on Wednesday, XX/XX/XXXX, which I would be required to sign and return via email. However, despite multiple inquiries, I have not received any correspondence from the branch manager or the representative. I am of belief and suspicion that this stonewalling is a result of XXXX discrimination.
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| 09/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Everything started towards the last week of XX/XX/2019. I was stuck on a flood and my vehicle was totaled. My auto insurance company XXXX ran a title check and came to find out the bank in which we been paying the vehicle for 2 years didnt have the title it was under a different bank. A brand new vehicle we financed with M & T bank and the tittle was under XXXX XXXX. Long story short it has now been 2 months since XXXX has not manage to pay the loan since every time they call, I call they said its XXXX XXXX fault for sending them the tittle I have been calling this bank every week for the past 2 months to get this resolved. I have now tuck paying two loan because of their mistake. Every time I call I get a different answer. Im glad all the calls are recorded ... I have tried reaching out beyond the call center with no success.
|
| 08/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
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M & T Bank has collected several thousand dollars in overdraft fees from my personal checking account over the course of the year which I find excessive.
As per the law, the bank could have declined debit and/or POS transactions due to insufficient funds in the account when my bank funds were running low or should have warned me that an overdraft fee would be assessed if I proceeded with the transaction. But instead of this, M & T Bank routinely processed such transactions and charged me an overdraft fee of {$38.00} per transaction, even if the transaction is for only a few dollars. This is designed and intended just to increase overdraft fee revenue.
This practice is a violation of New Yorks consumer protection laws and also its implied contract of good faith and fair dealing in M & T 's General Deposit Account Agreement.
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| 03/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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|
Web |
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Branch XXXX should be removed XXXX XXXX is Very unprofessional and posses very poor managements skills.This branch failed to follow the simple steps on how to open a business bank account. Causing me to miss out business and personal time/profits due to their incompetence. As if the mistake they made was not enough, the branch XXXX XXXX took it on him to Closed my account and claimed charged off erroneous. Failed to provided timely resolution to their mistakes and abusing of his branch managerial powers to close my account.
No consumer should ever feel afraid and the pain of a managers poor abilities to take care of their clients personal information and complete a simple banking transaction. It would be great for the community to replace this team member XXXX XXXX from this branch with more knowledgeable and friendly staff.
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| 11/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Servicemember |
|
TRANSACTIONS, NONE. I did this XX/XX/XXXX after M & T bank beat me for {$80.00} on a technicality. Despite having definitively placing my account in a no overdraft protection status. M & T has once again paid something on my account and are attempting to justify charging me nsf fees for the overdraft by claiming this as a recurring payment versus a one time payment. Which it is n't and never has been. I pay this manually based on the months that I want the service, if you notice on the account for this vendor, it 's paid on different dates of the months that I use the service. When I placed my account in a status of declining overdraft protection, M & T bank did n't tell me I needed to specify transaction types in which I wanted no overdraft protection. No overdraft means no overdraft, does n't matter the type of transaction.
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| 07/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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About 2 week ago i was sent a letter that my business checking account XXXX XXXX XXXX will be closed. For depositing a check into my account. The reason was not clear. The bank was M & T Bank. Acct # XXXX. I'm new business owner and i have XXXX check system for payroll. I inadvertently deposit a check into my business account and that cause the back office to send letter to close my business account. I have no access to my money or online banking accounts. I was granted a business line of credit and the only way to pay the bill is in person. The branch closes early and its over 20 minute drive or more. I'm afraid this drastic move from the bank back office will hurt my personal credit and business credit. I called the XXXX, NJ branch several time no help. I called i called customer services no help. I need some clear answer.
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| 11/19/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Currently my husband and I are behind on our mortgage due to my husband being out of work and having a disabled child which requires a significant amount of medical expenses, therapies, and a special diet. I tried to make a payment via phone for XXXX month and I was told that the company will only accept atleast two months of payments which I could not afford at the time. I think received a bank check from my bank and mailed it in for a payment at which time the payment was returned with a letter stating unless we can pay the full amount that is past due in full which is {$7900.00} then our home will go into foreclosure.
We claimed bankruptcy in XXXX XXXX and I have n't been offered any other payment options other than pay in full which I am unable to do right now. We do not want to lose our home and we are willing to pay.
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| 09/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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|
Web |
|
|
I met with the Vice President of M & T Bank at XXXX XX/XX/XXXX who is recommended by the Advisor of Maryland XXXX XXXX XXXX to get some business loans to start up my business. But I was told that I cant get the loan because my business had no sales and no income before.
My business is a XXXX XXXX XXXX XXXX to solve the issues of XXXX XXXX XXXX XXXX XXXX which are granted patents in the USA, XXXX, XXXX and pending in XXXX, XXXX, XXXX and XXXX.
I have also met the Director of The XXXX XXXX XXXX XXXX on XX/XX/XXXX after the XXXX evaluated my invention XXXX and was told the XXXX will support me.
It took many years and lots of money to develop and patent my business project and now is almost ready for manufacturing and marketing because I have developed worked prototypes successfully.
But the Bank refused to give me a loan.
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| 04/16/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I paid my mortgage using the XXXX XXXX app on XX/XX/2019. I was told the auto pay was turned off. On XX/XX/2019 a duplicate payment went out for the same mortgage. Also on XX/XX/2019 the loan was unbeknownst to me sold to m and t bank.
They are still sitting on a duplicate payment for XX/XX/2019 for 16 days now.
I have talked to 4 supervisors and they say exactly the same thing each time.
They all say something happened but they escalated it to the back office pay for next day return to my account.
And then its back to square one going through this 4 times. They keep saying they do not have a bank document but I have emailed it and also faxed it to them ( they end up saying ti will be out today or tomorrow into my account.
They are just sitting on it to get those 2 dollars of interest it makes sitting in their account.
|
| 11/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
My husband and I purchased XXXX properties for use as a warehouse and a showroom for his flooring company in XX/XX/XXXX A few months after purchasing the second property, the recession occurred which resulted in the company going into default with the mortgage payment. The lender is M and T Bank. An attorney who we had hired to advise on the matter, advised us to sell the properties by short sale as this would resolve the issue with the amount owed to the bank. We sent a copy of the short sale documents to the attorney and he advised us to proceed with the short sales. In XX/XX/XXXX we began receiving notices from M and T Bank stating we were owing approximately {$180000.00} which we have not been able to pay as I 'm the only working .As a result M and T has placed a judgement against us with the intent of selling our home.
|
| 11/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
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|
Here, XXXX XXXX of the ironically named M & T Bank " Voice of the Customer '' department has artificially added another month or more to the supposed and alleged " 120 day hold period set out in the Card Association rules '' to hold our {$20000.00} seized money, by terminating our account in writing on XX/XX/XXXX, but falsely stating that " our last transaction was sometime in XXXX, '' even though we could not even use the account because they closed it in XXXX. XXXX. Please investigate and advise, and get our money returned to us as scheduled in XX/XX/XXXX, rather than the " sometime in XX/XX/XXXX '' as they arrogantly state in their letter. It's already bad enough for us to wait 120 days to get our own money back, but to have these criminals hold it for another month or more during the Holiday season is downright evil.
|
| 09/23/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Hello, I signed up for an M & T Bank Checking account on XXXX/XXXX/XXXX with the promotion code XXXX. The mailer stated that I would receive a promotional {$200.00} bonus upon a direct deposit of {$100.00} to my checking account by XXXX XXXX, XXXX.
I have met the terms of the offer by making the direct deposits to my account. However, I have not received the {$200.00} bonus as advertised.
I reached out to M & T bank on XXXX/XXXX/XXXX in regard to the {$200.00} not posting to my account. I received an e-mail back from XXXX from M & T Customer Service stating that I am not eligible for the offer since M & T Bank claims that my name was not included in this offer.
This is unacceptable. Nowhere in the terms of the signup offer does it say that I would not be included. M & T is not holding up their end of the agreement.
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| 02/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
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M & T bank had a promotion for opening business accounts which enticed me to open online. My account was opened successfully online but I was not given online access, the option to opt-in for paperless statements, or the ability to make an initial deposit. Despite calling the customer support line, no one was able to assist with online access. Weeks later I received a call stating I need to go to a branch to unlock the account - something that was not explained when opening the account online. My daily account value has remained at XXXX without the ability to make deposits making it impossible to qualify for the promotion. I was also charged XXXX dollars for a paper statement which I never had the ability to opt out of. Management has stated that they will not write off the XXXX dollars or allow me to close the account.
|
| 05/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
This bank is XXXX their branches threatens me treated me horible refuses to Open me an account gave me a letter blaming XXXX XXXX when its not I owe no money to this bank Or other banks I used to bank with them and was a good customer but for some reason they hate me their executive office lady lied to me and said that by Friday of this week she would have a response I sent her everything she asked me for and she XXXX she doesnt even know what is causing this and refuses to help me their branches are awful towards me and tell me To go bank somewhere else and are extra XXXX XXXX and arrogant I faxed her my XXXX report showing I dont owe anyone money and even XXXX said its the bank that is refusing to open you an account not us your report is clean they have a problem with me and refuse to fix this and open me an account
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| 11/28/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Hello I have a M & T checking account that is set up for direct deposit for child support, when the first deposit came into my account it took 1 day to be deposited into my account, now my bank is taken 3 business days instead of instant deposit, at first it was the next day, then it was the second day, now for the the second time it 's 3 business days, for instance my children 's child support said XX/XX/XXXX and now it 's XX/XX/XXXX, and no child support deposit and the ignorant thing is my bank wants to blame child support, and child support is saying it 's my bank who 's not depositing it.
Who is holding my children 's money and why? It 's not any one 's money to make money off my children 's money, in less they 're going to give us a percentage of what they 're making on my babies money over the years.
I 'm XXXX
|
| 03/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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In the midst of refinancing at another bank, my current mortgage was picked up by another bank thru an acquisition. The new bank is M & T bank. They marked me late for a mortgage payment. The month prior I set up a draft, which was taken out 4 days late. No issue with the bank.
The next month it was never taken out. I attempted to login to the banks online service & was blocked. I have a print out of this. The payment is due, per the invoice on XX/XX/XXXX. In this case XXXX XXXX. They marked me late XXXX XXXX. Interestingly, there was no late fee, but I was late for credit purposes. I learned about it from my banker doing the refi.
M & T was no help at all. One person there said they attempted to contact me via phone regarding the draft.When I made a follow up call, the woman I spoke to had no phone number on file.
|
| 07/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
I AM SICK ELDERLY WOMAN AND I GOT SCAMMED FROM FRAUD SUPEONA TO MY M & T BANK ACCOUNT I TRIED CALLING THE MUNICIPAL COURT AND WAS TOLD I NEED TO IMMEDIATELY TELL MY BANK BECAUSE THEY HAVE NO RECORD OF ME AND THE NAME AND PLACE AND PHONE NUMBER GIVEN TO ME IS FAKE A MAN SPEAKS BROKEN ENGLISH AND REFUSED TO ANSWER MY QUESTIONS OF WHY WAS MONEY SENT TO THIS PHONE NUMBER AND PLACE NAME COURT XXXX XXXX {$1000.00} XXXX XXXX NJ XXXX XXXX XXXX XXXX SHOWED UP ON MY ELECTRONIC STATEMENT AS NJ WRIT BUT BANK REP SAID IT WAS NEW CENTRAL FINANCIAL I CAN NOT FIND THIS COMPANY ON INTERNET PLEASE INVESTIGATE THIS FOR ME I DONT KNOW WHO TO TURN TO I SUFFER FROM XXXX XXXX XXXX XXXX AND XXXX AND I AM ON FOOD STAMPS I NEED HELP TO INVESTIGATE THIS MY XXXX WHO WATCHED OVER ME HAS PASSED AWAY SO PLEASE CAN YOU INVESTIGATE THIS FOR ME XXXX
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| 12/10/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
A person called up and stated was I purchasing or purchased a computer on XXXX and being sent to Ohio. I stated I dont know anybody in Ohio and no I did not purchase a computer they asked me to go onto my XXXX account and check which I did and then they told me to go onto my online and run a test to make sure and see if it was taken out of my account {$990.00} later I am out I filed a police report and reported it right away to M & t Bank and they say its under investigation I am a new customer there. This is the first time Ive ever done banking online I will never do banking online again. I had not even or ever tried any of the other features on the online banking app at M and T now they have it under investigation and I am not sure if they want to return my money which they should. I am very upset I am out {$990.00}
|
| 06/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This morning, XX/XX/2019 I spoke with M & T Bank 's Customer Service Department regarding the status of my case # XXXX. This case/claim was filed on XX/XX/2019 for fraudulent use of my checking account with M & T for eight ( 8 ) XXXX transfers totaling {$4800.00}. I was told this morning by that the claim against my case was denied.
To resolve this problem, I am requesting that M & T Bank Fraud division IMMEDIATELY RE-OPEN my case.
I obtained a letter from my employers designated IT Company, XXXX XXXX XXXX to confirm virus, malware, phishing attacks on my computer. This letter explains the virus that were present on my computer on the date that the transfers were made from my account WITHOUT my knowledge or consent.
I need my bank to re-investigate this case and return my fraudulently taken funds of {$4800.00}.
|
| 12/04/2022 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
To whom it may concern, this letter is to explain what M & T bank is doing to my credit file. On XX/XX/XXXX when congress made the Covid Relief Plan we took the forbearance on my VA Home loan. On XX/XX/XXXX I contracted M & T bank to start making payments. M & T bank approved our 3 month trial. We made our first payment on XX/XX/XXXX. So after M & T gave me a letter stating that at anytime and for any reason they can foreclose on my home. I talked it over with my wife and decided to sell the house. We sold it on XXXX XXXX funds were sent to M & T bank on XXXX XXXX at XXXX threw title company XXXX XXXX XXXX M & T bank decided to state on ALL XXXX of the credit agencies that home was paid after foreclosures processing had started on XX/XX/XXXX. As you can understand this causing me stress and they are defaming my name.
|
| 09/02/2023 |
Yes |
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
I have applied and received assistance to bring my mortgage current. After my forbearance period I advised M & T that I applied for New York State Homeowners Assistance Fund. My account was approved and the balance has been Paid. However M & Ts single point of contact team keeps calling saying its an attempt to collect a debt and stating they have to go over options with me. I advise the representative that I am current and she confirmed that she see this information. She said well how are you going to pay for XX/XX/2023, has your income changed will you need to explore other options like a short sale. I was very upset and felt that M & T is harassing me and integrating me. I immediately call my non fee attorney and she suggested that I do this because they have a history of wrongfully calling and harassing clients.
|
| 10/23/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
OnXX/XX/XXXX1 I entered into a fraudulent investment Contract, with XXXX XXXX XXXX sending money to XXXX XXXX XXXX, sat at the closing table and nothing was disclosed to me pursuant to ( CFR-42 ) about my rights, documents were removed out of the closing documents such as the disclaimer for the credit application, forms from the appendix ( H ) H-8, H-9. Im being held liable on a contract that To which Im not a party, ( The pooling servicing agreement contract ) and under the STATUTE OF FRAUDS UCC 2201. The investment contract/Mortgage Loan was for {$110000.00} at the time. I mailed a demand to M & T Bank I have Rescind this investment contract/mortgage loan transaction on XX/XX/XXXX and was received on XX/XX/XXXX. Do to the abundance of FRAUD i found. I also have the Indorsed note/securities that is indorsed to me.
|
| 06/03/2023 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/XXXX around XXXX XXXX XXXX a debt collector ( who did not identify himself ) came to my daughter house. This debt collector has never been to my home to attempt to collect this debt and clearly stated that he new this was a family members house and not my home. He aggressively and repeatedly asked my daughter to call us on the phone and stated she could hear everything! This man harrased my child and part of this is on her XXXX XXXX! I called m and t bank with no resolve and the manager act as if this was not intentional and Inappropriate actions! I made the manager XXXX XXXX of M and T bank fully aware I felt harassed and this guy was not a XXXX XXXX driver he was in a regular XXXX! And approaching my daughter home she was very scared and uncomfortable with the entire process! No resolve on there part!
|
| 05/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that wa s MY money??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in XXXX of XXXX , even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.
|
| 11/01/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Hello Sir /Madam ( To whom it may concern ) I opened a checking account and a safe deposit box in XXXX XXXX XXXX in XXXX, XXXX NJ XXXX in XXXX which was closed in XXXX, in XXXX XXXX XXXX was taken over by M & T bank , And yesterday when I went to bank asking for the copy of the log book of access to safe deposit box, branch manager XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ) said they can not get it as the bank is changed and she called and emailed few places and said she will call me back and update me and today she left me massage that she can not get that information, as I know bank has to maintain the record for at least 5 years by law, and I need this information to provide it to court for some family dispute and its very important, is there any way CFBB can help me getting information from them.
Thank you XXXX XXXX
|
| 06/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
In XX/XX/2015, I traded in my PURCHASED XXXX SUV FOR A XXXX. I PUT DOWN {$5000.00} DOWN PAYMENT. MONTHLY PAYMENTS OF XXXX WERE DIRECT FROM MY XXXX TO M & T BANK. AFTER 5 YEARS, I CALLED THE BANK TO GET A LIEN RELEASE AT WHICH TIME I OWED A LARGE SUM. I SAID " IMPOSSIBLE AUTO DIRECT PAYMENT. '' SEVERAL EXPLANATIONS THAT MADE NO SENSE CAME WAY WITH THE ALLEGATION I SIGNED A CONTRACT FOR 85 OR SOMETHING PAYMENTS. I TOLD THERE MUST BE A MISTAKE AND FRAUDS. I CALLED XXXX XXXX AND THEY GAVE ME A FAKE PRINT OUT JUSTIFYING THE DEBT. THEY LEFT OUT THE DOWN PAYMENT. I HAVE XXXX AND XXXX STATEMENT TO PROVE {$4000.00}. AN EMPLOYEE FROM M & T BANK TOLD ME THE DOWNPAYMENT WAS {$5000.00}. AND THEY REFUSED TO GIVE ME COPY OF THE PURCHASE AGREEMENT OR BILL OF SALE SINCE I COULD NOT FIND DOCUMENTS RELATED TO BOTH VEHICLE AT ISSUE.
|
| 03/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
M & T Bank does not process payments on time. Our last payment was mailed on XX/XX/2021 and as today XX/XX/2021 hasn't posted. Since they took over our loan, they have not posted any payments on time.
I suspect that they are doing this on purpose to charged late fees.
Their lame excuse is that the USPS is not delivering mail on time. All the other payments that were mailed on the same day were received and cashed by corresponding companies.
I just called them today and they were very arrogant regarding the situation.I asked the rep by the name of XXXX XXXX ID XXXX to trace the payment and he refused to o so.
We do not want be charge a late fee or damaged our credit due to their excuses and cavalier attitude towards customers.
Please investigate this matter since I suspect its an ongoing issue with M & T Bank.
|
| 11/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
On XXXX I had another late charge for an insurance payment ; the funds were not available because of a previous illegal INSUFFICIENT FUNDS.
On XXXX I had {$200.00} so I made a few purchases for the month from XXXX and XXXX.
On XXXX my car payment hit that I forgot about through all the confusion ; this should have been the only INSUFFICIENT FUNDS FEE.
Once again M & T placed this before all my XXXX purchases and I am facing another XXXX INSUFFICIENT FUNDS FEE or {$230.00}.
The grand total since XXXX n they place the {$54.00} out of order starting this planned snowball effect will be {$340.00} for XXXX.
Since I am on SS I keep track of every penny with XXXX and I did not do this. If M & T are going to jockey transactions around outside the normal bank ledger then they should provide the software to keep track.
|
| 11/13/2017 |
Yes |
|
- Trouble during payment process
|
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Web |
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|
I 've been trying to understand the process for termination of the PMI based on LTV and am getting an unsatisfactory answer.
My understanding is that the LTV is based on the appraised home value or the value of the house that the loan was based on and not the original loan amount. Currently all responses whether called or emailed or mailed have all referred me to the original principal amount ( which was a refinanced amount ).
I 'm looking for the true LTV please. What was the appraised value when the loan was originated ( I keep receiving by mail the original borrowed amount ) and why ca n't we determine value based on the current appraisal by an independent appraiser, or even the current tax bill?
This approach seems deceptive and it seems to obfiscate responsibilities by M & T Bank for additional years of PMI.
|
| 04/26/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true.
I sent my son to the bank on my behalf, I am XXXX XXXX XXXX with a XXXX XXXX and XXXX, and have difficulty getting around. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form.
I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX.
I am attaching a copy of the power of attorney.
|
| 11/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Dear Sir/Madam : I contacted XXXX and they advised me that my refund was already returned back to my account in the amount of {$150.00}. My questions is why is M & T Bank not posting these funds to my account, why are they holding these funds and when will they be available? I was given a bank reference number of XXXX Also, if they are holding these funds from XXXX then, I would like to know if M & T Bank is holding my check I am anticipating a from the Internal Revenue Service in the amount of {$2800.00}. I would like to know if, you have received these funds and when do you plan to make these funds available?
i sent M & T Bank and email and I called on XX/XX/2022 at XXXX and my call was dropped. i called back on XX/XX/2022 at XXXX and the representative stated that she does not see a refund to my account.
|
| 01/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My home mortgage is scheduled to come out of my checking account on the XXXX of the month and has been since my mortgage started in 2009. It is sent by mail from NY to MD on the XXXX. Allof a sudden it is not getting there before the XXXX, which is their late date and I was charged on 5 occasions at {$110.00} each. Why all of a sudden they are getting there late. One was even posted on the XXXX of the month. We spoke to XXXX, our bank, and they said it should not take 10-12 days to get to Maryland from New York. I did speak to M & T Bank and they did reverse 2 late charges but I feel they should reverse them all.
They wanted me to let them have access to my XXXX account to pay my mortgage but I do n't want that. I am going to change the date that it comes out of my account or I may send it by mail myself.
|
| 02/07/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am XXXX XXXX XXXX, I passed out and could not make It to work so I was fired. While I was trying to look for work covid happened. I was on forbearance for XXXX because of my health and I am a single mother. I work in the health section so I was really scared to step out. I was married but he never paid a dime in my house. He was on the mortgage. I needed is signature for partial modification but he refuse to sign it. I filed for divorce he claimed he wanted my house to be foreclosed. He did everything and still doing so I can lose my house. I took him to court the judge awarded the house to me and gave me 1 year to remove his name. My credit is very bad at the moment because of all the late payment. I am back to work now but I still needed assistance to save my home because it in foreclose with the bank.
|
| 04/26/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My original mortgage was with XXXX XXXX, loan number XXXX but was sold to MT & T bank in XX/XX/XXXX. While with XXXX XXXX I did two loan modifications one in XXXX for {$3600.00} and the other in XXXX for {$2000.00}.
I was speaking with a mortgage servicer at Mt & T bank who told me my current pay off is {$80000.00} but because I took two loan modifications was done with XXXX XXXX XX/XX/XXXX that a total of {$30000.00} has been placed on the back end of my mortgage which means if I was paying off my house today I would have to pay the outstanding principal balance and the back end amount.
I did not agree to this and believe the amount placed on the back end of my mortgage is incorrect. I have already paid 10 years of payments made on my home.
Can you please investigate? I never agreed to such and amount.
|
| 10/29/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/2019 I transferred {$390.00} dollars from my XXXX account to my M & T bank account like I have done many times in the past except this time it never showed up in my M & T bank account. XXXX charged me {$4.00} for the transfer to be instant but I never received my money. XXXX performed numerous traces on the transaction but every time they came to the same conclusion that the money went to M & T bank and thats all they can tell from their end. XXXX says M & T bank must of put the money in someone elses account. XXXX gave me a tracking number and said the bank could use it to find my money but the bank said that number was useless to them and they didnt know what happened to my money. I made several phone calls to them and they were less than helpful. Nobody at the bank really even tried to help me.
|
| 04/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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I was called on XX/XX/XXXX by a debt collector, they are calling from a Tampa, Florida number. They told me the conversation would be recorded and I did not consent to the call being recorded as Florida is a double consent state. They then would not tell me who they were and what they were calling about until I had to call back to see who they were. They stated they were trying to collect a debt from XX/XX/XXXX from M and T bank. I had explained that I am no longer liable for this debt due to being over 10 years and they continued to argue with me saying I need to get my affairs in order and pay the debt. I receive constant phone calls from them even after telling them on a recorded line to stop calling. I do not know how they got a hold of my personal cell phone number as it is not a public listed number.
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| 02/19/2023 |
Yes |
|
- Struggling to pay mortgage
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Web |
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|
My father passed away in XX/XX/XXXX without a will. I filed an affidavit of heirship 4 months later and was named owner of his home. I sent the affidavit of heirship along with his death certificate to the bank but it wasn't enough, they want a probate document. They won't even speak to me about my father 's loan and I am in default, I have been and I am positive foreclosure is next. The affidavit of heirship is the most recent executed deed and there is no need for probate, I have been owner of the house since the beginning of XXXX. I really need to speak to the bank and ask for forbearance or something related to that so I don't lose my home and I have a little time to get my finances back in order instead of worrying and playing the guessing game on this issue since they will not speak to me about it.
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| 08/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I sent an Error Resolution Notice to M & T Bank concerning an error in the application of an unknown payment to my account. I did not make that payment and M & T Bank did not disclose the source of the payment. I requested that M & T Bank provide me with copies of all documents and information that they relied upon to post the transaction to my account. See attachment : XXXX M & T Bank has not corrected the error. M & T Bank has not provided me with a written notification that includes a statement that M & T Bank has determined that no error occurred, a statement of the reason or reasons for this determination, a statement of my right to request documents relied upon by M & T Bank in reaching its determination, and information regarding how I can request such documents. See attachment : mtbank_letter.PDF
|
| 04/26/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true.
I sent my son to the bank on my behalf, I am XXXX years old with a XXXX XXXX and XXXX, and have XXXX. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form.
I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX and veteran.
I am attaching a copy of the power of attorney.
|
| 07/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I have been using XXXX with m & t bank for friends and family that pay me back because i like to go out and eat a lot and lend out money to family and friends, and they pay me back through XXXX because its easier.This is the problem on XX/XX/XXXX M & t bank has taken 2 XXXX transactions from my account,1 transaction of {$790.00} and 1 transaction for {$190.00}, both XXXX transactions, which i thought XXXX transactions are not refundable, i have a lot of friends i give money too, and they pay back through XXXX XXXX someone mightve lied to get a chargeback to get their money back, I have proof.XXXX doesnt do refunds and chargeback, M & t stripped the money from my account when i have bills to pay, thats illegal i plan on taken this further than just a complaint.I have to get these transactions refunded.
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| 04/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I submitted CFPB Complaint # XXXX-XXXX on XX/XX/XXXX. M & T did respond but advised me that they would be sending a letter to XXXX XXXX XXXX, XXXX XXXX, New York XXXX coping XXXX with. the solution. They did notified XXXX but I never received a copy of their resolution.
I called XXXX XXXX XXXX XXXX today at the number provided in the attached letter. I spoke to a consumer service representative who never heard of the CFPB and was no able to provide me with a copy of the response letter to the CFPB.
I am in the process of selling my house and the M & T lien is still showing on the title report. It was my understanding that this issues was resolved in XX/XX/XXXX.
I need XXXX XXXX XXXX XXXX to provide me with documentation that they no longer have a lien/mortgage on my property.
Thanks Mr. XXXX
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| 01/08/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX, XXXX 2018 TO WHOM IT MAY CONCERN This is a complaint against XXXX XXXX with an address located at XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX.
XXXX XXXX is a debt collector as defined by 15 U.S. Code 1692a of the federal Fair Debt Collection Practices Act.
The attached documentation details violations of 12 C.F.R. 1024.41, and/or 12 C.F.R. 1024.40, and/or 12 C.F.R. 1024.35, and/or 12 C.F.R. 1024.36, and/or specifically 12 C.F.R. 1024.41 ( b ) ( 1 ), and/or 15 U.S. Code 1692e.
Please investigate these matters.
All the necessary documentation supporting this complaint have been attached.
XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX
|
| 03/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
While refinancing an auto loan, M & T Bank is requiring a nearly {$300.00} prepayment fee, predatorily charging me for *giving them* money. This prepayment fee was never properly disclosed to me during the signing of my auto loan. My new lender was unable to send a full XXXX payoff amount with the inclusion of the {$300.00} fee, so I am having to write a personal check to cover this exorbitant and unethical fee in order to refinance. M & T bank stated that the fee was an agreement with the auto dealership ( XXXX XXXX, KY ), and would not remove it - despite the fact that M & T is the entity collecting my money. I am disgusted with this predatory practice of not properly disclosing prepayment fees on loan signing and charging such a large sum of money for me to PAY OFF MY OWN LOAN. This is predatory.
|
| 04/09/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
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..
|
| 03/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
M & T Bank denied my claim for charges that were illegally made on my credit card. My account was compromised along with my debits card, social security number and identification card because I lost my wallet with my credit card, debit card, social security card, and id in it on XX/XX/XXXX. I thought I left it at my job at the XXXX XXXX I work in but It was not there when I returned there on the XXXX.
The fraudulent transactions : - {$1300.00} from XXXX XXXX # XXXX - {$43.00} from XXXX XXXX XXXXXXXX XXXX XXXX - {$920.00} from XXXX XXXX XXXX XXXX Please look into this for me. M & T agreed to reimburse me for all fraudulent transactions. My identity and previous M & T credit card account ending in XXXX has been compromised. I need help with getting reimbursed for these fraudulent transactions.
|
| 12/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
M & T bank has the worse communication, and customer service I have ever experienced! I have the response they sent the CFPB, and it states false statements about what I said when I called to file my dispute. I never said the person behind me saw my pin and took money out! I stated that my coworker stole my debit card, and has seen my pin before because I use the same pin for all my cards! M & T denied my claim, on a determination they made themselves and it was false, because I never said that! I want them to replay me that recorded conversation I had with their XXXX representative, and you will see if clearly state my coworker stole my debit! I have copies of all the messages and paper work I have sent them! This is crazy already, and this bank just does n't care, and make false statements too.
|
| 06/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I applied to refinance my car loan with m & t bank.
I already have a car loan with this company and figure that it would be easy to refinance with m & t.
After applying over the phone I did not hear from them for over 2 weeks when I Had to call them to find out status of my application.
After waiting 45 minutes and talking to 3 reps who did not what was going on, I then receive a letter stating that my application had been denied.
The reasons stated were that my score was low ( XXXX ) when in fact my score is XXXX.
Also to many inquiries .which make no sense because I only had my credit report pulled several months in the past Year. & I believe that m & t discriminated and used the lowest score possible to deny my application.
I would like to know what remedy I have to resolve this issue.
|
| 06/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
There was a {$300.00} unauthorized withdrawal from my checking acocunt in XXXX. After filing my request with M and T bank, they claim they never received the mailed paperwork. So I faxed it and mailed it again in XXXX which they did receive.
They denied my claim and said their investigation did not come up with how it happened. However, when I asked what they investigated or how they came to this conclusion, I was told nothing.
It is impossible to speak to anyone in the fraud/unauthorized transaction department, they only use emails from customer service. I am asking again to be contacted about the denial but that has yet to happen and probably will not.
Are there any options for me at this point as M and T bank will not allow customers to speak to the individuals doing the investigation?
|
| 03/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have been unable to access my M & T bank checking account online all week. I have attempted access at least 20 times over multiple days this week. I sent an email to the bank earlier this week and the bank replied the next morning that the online access issues were resolved. That was inaccurate/false. I was still unable to log in as the site hung up at the 'account summary ' page and failed to load. Internet searches suggest to me that this is a widespread problem among many M & T customers, and not an issue specific to my hardware or software. I am able to log in without issue to all other financial sites. To add insult to injury, M & Ts phone lines are overwhelmed. There appears to be a significant issue with M & T 's web and mobile platform which warrants serious regulatory intervention.
|
| 11/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an M & T EZChoice Checking account on XXXX XXXX, XXXX. M & T advertised a promotion that promised a {$150.00} bonus after a direct deposit of {$100.00}. I have met the conditions for the bonus and when I asked a customer service representative when the bonus would post, she told me that the promotion was targeted to particular persons and that my name was not on the list, so I would not be receiving the bonus. This is not true, the terms made no mention of this being a targeted promotion and I replied stating this. A second representative replied to me and she changed the story, saying that the account was opened in a region that was not eligible for the promotion. The terms also made no mention of this. M & T should honor the terms of the agreement that they made with the customer.
|
| 11/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My family is trying to purchase a new home and we have found that we can not be approved because of inaccurate information being reported by our old mortgage company and the way that XXXX is reporting it.
We had a Chapter XXXX bankruptcy, including our home that was discharged in clear back in XX/XX/XXXX. We kept making payments on our home but finally had to short sale it in XX/XX/XXXX. The problem is that XXXX is reading the XXXX report that we bankruptedin XX/XX/XXXX, which makes our loan unapprovable. It needs to read that we SHORTSOLD the home in XX/XX/XXXX and as long as we close our new home after XX/XX/XXXX, we are eligible to purchase. M & T Bank refuses to work with us. They dismissed our request to correct what they reported in a brief letter. We need help getting this corrected.
|
| 06/11/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
My VA loan was recently transferred to M & T Bank of XXXX , MD ( I bel i eve ). There are many different addresses on their initial contact. I enrolled in online banking to make my payments online as this is the predominate payment method today. I was forced to give up my right to receive legal notifications from the bank in writing to be able to make online payments. If I did not agree to electronic notifications they were going to dis-enroll me from online banking. I have no choice about where my mortgage is sold to. I did not choose to do business with this entity. I should not be forced to give up my legal rights in order to make electronic payments. Especially on a VA guaranteed loan. The Federal Government only recognizes mail delivery by the US Postal servic e as proper service.
|
| 01/11/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2023 we were notified of fraudulent activity with our savings account. An unauthorized individual set up an online banking profile and withdrew {$2500.00} in funds via a XXXX account set up in my name through the use of my stolen Social Security number. We froze and changed the account. The next week the same individual hacked our checking and charged {$1000.00} to XXXX and {$20.00} to XXXX. We closed and froze the checking account. As well as an account in our sons name.
We have frozen our credit reports on XX/XX/XXXX but learned that on XX/XX/XXXX XXXX soft inquiries were made by XXXX and XXXX XXXX. Both banking institutions have sent me letters telling me of rejected attempts to set up credit in my name due to insufficient identification.
Please apprehend this individual.
|
| 10/21/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX, M & T Bank/Mortgage, the servicer of my home mortgage, auto debited my mortgage payment out of my checking account. They should not have done this as I had cancelled the auto debit for the XXXX mortgage payment in early XXXX, XXXX. Additionally, M & T Mortgage was paid off, in full, on XX/XX/XXXX and should not have debited the payment that was no longer due. Additionally, I have an escrow refund that is due me of $ 1600+.
As a result of the auto debit, my checking account became overdrawn. I contacted M & T on three separate occasions, on XX/XX/XXXX and XXXX, to request a reversal of the auto debit and to put the money back in my account. They refused, saying it may take up to 30 days for me to receive my refund. This is not acceptable as it was their mistake, not mine.
|
| 10/09/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Issues : taken too much in interest. additional amount not applied to the principal. I have made. XXXX payments above the required amount. I understand it depends on the date for the amount of interest to be taken. in my case most of my payment we made early. I'm now upside down on my loan that I put a big down payment down so I wouldn't get upside down. I was looking to sell this item to pay off the loan and that's when I discovered these issues. The last 5 payments they have taken all for interest. Because of that I have not made a payment and will not until they start applying to the principal. I have run the numbers through a loan calculator and I'm coming up with a much lower payoff amount. I'm not a bad guy I pay my doubts, but I will not be taken advantage of by big corporations.
|
| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
|
| 04/26/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I signed a document for my mortgage modification with a 3 % interest rate. I am told 1. They needed it back sooner 2. That there was a page that had my signature where it should display the notary.
There was no set deadline on the paperwork and I and my family was sick so it did take me longer than these things normally take. I asked to get the signature issue corrected and I was advised that I could not abs that I needed to go through loan modification again which mean losing my 3 % interest rate and getting an interest rate of 4.8 %. This mean an almost $ 500 monthly increase in my mortgage.
I would add I had been paying the rate at 3 % for about 5 or more months.
I asked for a review and yo escalate this and I was told it is not possible and there was no review process available.
|
| 09/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
XXXX merged into M & T Bank XX/XX/XXXX. In XXXX XXXX XXXX XXXX 's accounts were integrated into M & T 's system. XX/XX/XXXX, M & T cut the interest rate for My Premium Checking Accounts from .25 % from where it had been held during the proposed merger period to .001 % which is unconscionable. My local branch in XXXX, NJ stopped displaying the current interest rates so that customers were not informed until after they received their monthly statement which took up to several weeks after the rate change. M & T Bank is offering bonuses to new customers which appear to be paid for with the reduced funds they are paying to existing depositors. The impact of the interest rate change is greatest on elderly and XXXX customers who live on a fixed income and find it hard to move to another bank.
|
| 01/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/XXXX I deposited {$19000.00} ( consisting of 31 checks ). In XX/XX/XXXX I was advised by one of the payers that her check had not been cashed. I looked at my bank statement and noticed that the entire deposit had not been recorded. I tried to call the branch, but learned that there was no current manager, and was told to call the main number, which I did. The person there told me that I should speak to the branch, and then transferred me to the incorrect branch. I reported the incident to the XXXX XXXX XXXX and immediately received a reply from XXXX XXXX, of the president 's office, who acknowledged receipt of the deposit, but could not tell me what happened. It has been over a week, and I have not heard back from the bank. Apparently, they have lost {$19000.00} of my money.
|
| 01/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XXXX of XXXX I asked for my installment loan from M & T to be deferred by 2 months which was for XXXX XXXX and XXXX XXXX. I was approved for the extension and my next intstallment payment was pushed to XXXX XXXX. After I got approved I did n't follow up til XXXX when I realized the payment for XXXX was late, so I decided to call them and the rep stated that I was suppose to sign a document to confirm the extension which I were never informed about. That 's when I learned that the payment was late and passed 30 days. I called to complain and they stated that it was my mistake but the extension still was processed and my late fees were waived. I tried to get the late payment removed but they denied it twice, but I have proof of the payment extension agreement and still I was denied.
|
| 07/14/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American |
|
I am an XXXX XXXX XXXX man and on XX/XX/XXXX, a M & T bank customer service representative named XXXX XXXX asked me if I knew what a CD was, I answered " Yeah like XXXX XXXX and XXXX? '' She said no, but stated that she noticed I had a lot of money in my account. She asked if I wanted to move {$1000.00} each to two ( 2 ) CDs, but she didn't explain enough for me to understand what was going on. On XX/XX/XXXX, I received paperwork showing that {$20000.00} was moved out of my account. When I went into the bank to complain I was informed that it would cost me {$500.00} to cancel the CDs and get my money back. After more complaining they decided to waive {$250.00} on one CD. I believe this whole thing was under-handed. This entire situation was not right and I want all of my money back!
|
| 10/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
This case is about {$8000.00} being taken out of my account at M & T bank on XX/XX/2022 without my knowledge or permission.M & T bank should have notified me of a large transaction like this if I authorized it or not.The account was suppose to being watched for suspicious behavior the IT staff at M & T should have thrown a flag up with this large of a withdrawal.I should have been notified.When I discovered this I was at the bank before they opened and waited for the Manager and disclosed what happened.My account was compromised and the banks job is to protect their Customers assets.I started a dispute with M & T bank and they should in good faith return the money that was taken out of my account.It is the banks responsibility to protect at all times the customers hard earned money.
|
| 11/09/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Servicemember |
|
My mortgage went up {$600.00} a month due to property taxes and we paid the overages for XXXX months. The problem was rectified and then the mortgage company got the updates but said our mortgage will remain at this impoverishing amount until maybe XXXX.
If we pay on what we cant afford them of course we wont pay on time because we do not have it- they are going to throw fees on top of monies that we dont owe that wasnt paid in a timely fashion.
This is unfair as our mortgage is an important bill and I am the mother of twins and simply can not pay the overages just because a company is too lazy to make changes effective now. This is unfair and it is deceptive because when I was giving them the new information they told me that it would be ready by the time XXXX mortgage is due.
|
| 01/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Regarding account : XXXX.
I would like to report this transactions as scam XXXX XXXX XXXX {$1200.00} XX/XX/2022 XXXX XXXX $ XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX $ XXXX XX/XX/2022 I purchase a Hedgehog from XXXX XXXX for {$250.00} and when the pet was been sent to us via air from texas the company transporting the pet contact me saying that we needed a XXXX cage for the animal and insurance due to he fact that it was an exotic pet, XXXX XXXX told me that all those fee were going to be reimbursed once the pat was deliver but we never received the pet and now the email phone and website has shot down.
XXXX XXXX- insurance company XXXX My bank refuses to help me saying that this verify this information I don't know with who or when but they dont wan na help me
|
| 12/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I sent a principle only payment to M & T bank, the check and form were both marked " For Principle only ''. M & T bank then processed as a regular payment ( On XX/XX/22 ) and the full amount was not applied to principle.I called M & T bank to rectify the issue, after over an hour on the phone they told me that they would not correct, i explained to them that they were mis-applying the funds and that per banking regulations they had to apply as instructed by the customer. They told me that if i wanted to pay principle i would have to do it prior to the due date for the current payment which was not past due and refused to make the correction, I have never miseed or made a late house payment in my life. I can provide banking all banking information as well.
Thank You, XXXX XXXX
|
| 10/15/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/2019 my loan was transferred to M & T Bank. In XXXX I changed my home owners insurance to a better rate. I was billed an incorrect amount of $ XXXX monthly payment when my payment has never been over {$620.00} for the last 11 years. I called M & T Bank and was told there was a mistake that should have been handled previously, but wasn't. I was told to wait 5 business days for correction but nothing happened. After calling back XX/XX/XXXX, I was told I must pay the {$910.00} and they will fix it when they get to it. After speaking with a supervisor they calculated the corrected payment which was still higher than normal at {$660.00} which I paid at that time. Today XX/XX/XXXX I receive a letter of unapplied funds of {$660.00} and a statement for XXXX bill for {$910.00}.
|
| 05/18/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
I opened a savings account with M & T Bank here in XXXX and was not told that a service fee of {$15.00} a month would be bank taken out of my account if I didn't keep a minimum of {$2500.00} in my account. I hadn't touched my savings account since XX/XX/2017 and until now this bank has been charging my account up to {$500.00}. so far. I hadn't noticed on my statements until now of such a fee for having my money in a savings account for safe keeping. I called the bank to ask to them to put my money back but they sais they would give me {$60.00} of it because it wasn't the banks fault or error. I said it is the banks error because I wasn't told such rule. I said if I knew of this I would have either kept {$2500.00} in my account or I would had closed out the account all together.
|
| 10/08/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I received a promotional mailer from M & T Bank stating that if I opened an EZChoice Checking Account with a minimum monthly direct deposit of at least {$100.00}, I would receive a {$150.00} bonus within 90 days of account opening. I opened my account on XXXX/XXXX/2015 with a {$100.00} initial deposit and subsequent {$50.00} weekly direct deposits. 90 days came and went with no {$150.00} bonus. I reached out to the XXXX ( Delaware ) XXXX to speak with XXXX XXXX, who originally opened my account. She claims I am not entitled to the bonus, because it had to be {$100.00} weekly direct deposits. When I opened the account in XX/XX/XXXX, I told XXXX XXXX I was going to make {$50.00} weekly direct deposits. She said nothing to the contrary. This is false advertising, plain and simple.
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| 05/03/2023 |
Yes |
|
|
|
Web |
Servicemember |
|
This is a followup to my first two complaints XXXX and XXXX submitted XX/XX/XXXX and XX/XX/XXXX. M & T failed to complete or the mortgage assumption rider for our VA loan assumption so the transaction was never recorded by the county clerk. We are being prevented from obtaining a HELOC loan because of this, with interest rates rising this is having a real affect on my finances. In addition to the chaotic disorganized process in obtaining this loan, I have had M & T pay the old owners homeowners insurance with mine and bill me for it, sent my personal information to the old homeowner, given me access to the old homeowners bank account to do an auto withdrawal from. I've lost count of the time spent correcting M & T errors, it would be easier to count in workweeks at this point.
|
| 12/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
M & T Bank charged over draft fees in the amount of {$38.00} on XX/XX/2021 and XX/XX/2021 totaling {$77.00}. I had direct deposits on the same days they charged me over drafts fees which covered my balances and I should not have been charged over draft fees.
XX/XX/2021 direct deposit amount sent for {$50.00} XX/XX/2021 direct deposit sent {$42.00} XX/XX/2021 direct deposit sent {$60.00} M & T purposely held me direct deposits as the last transction on my checking account to arbitrage over draft fees.
On XX/XX/2021 I sent an electronic communication via my online banking requesting my 2 overdraft fees of {$38.00} be waived which M & T did not respond or acknowledge my request.
Also I never received a overdraft fee notification from M & T Bank via mail, e-mail or phone call.
|
| 03/20/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On or about XX/XX/2006 I have contracted the purchase of two 5 family buildings four mortgages were established two main accounts and two piggy back accounts. XXXX M & T Bank raised the interest rate from 9.5 % to 11 % without any contractual basis, furthermore I have requested a payoff to potentially pay these mortgages off they were charging me charges which seemed unlawful such as recording fees, other funds due ( which are not detailed ) release fee, and a payoff letter fee all of whom are illegitimate and not contractual. They are not willing to show me any legitimate documents that allows them to request these high interest rates which I have been paying for 14 years with no incidents, or request these payoff fees. M & T has really engaged in a racketeering enterprise.
|
| 05/02/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am experiencing difficulty paying my mortgage as part of my loss of employment during COVID Pandemic. I have a FHA mortgage and this is my first home. I have been overwhelmed by phone calls, text msgs, notes in my mailbox as well as a person coming on to my property to take pictures. I feel harassed by people who want to purchase my home and who know I am having mortgage challenges.
I have reason to believe that my mortgage banker M and T Bank representatives are sharing my private information with people who want to exploit and take advantage of my mortgage problem. All these attempts are to buy my home. This information is not public. There is no other way for these people to know without this information given to them from my bank.
I am being harassed. Please help.
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| 12/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I had a wire transfer for XXXX deposited into my M & T Bank checking acct on XX/XX/XXXX which the automated system said it was avail for withdraw and my mobile app stated the avail was XXXX ( since I had XXXX already in the account ) for withdraw, payments, or transfer. I went to XXXX branches XXXX at XXXX XXXX XXXX XXXX XXXX DE And XXXX on XXXX XXXX XXXX XXXX XXXX DE, and was denied my withdraw of only XXXX XXXX and was told had to wait a day. This should not have happened since the deposit was a wire transfer and the app said it was avail. XXXX be closing my account out once I set up my direct deposit elsewhere. I asked to speak to a manger and she advised I could not withdraw my money. XXXX done with this bank. This is unacceptable and other customers need to be aware.
|
| 06/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
1. M & T bank charged me 3 overdraft fees for the same transactions resulting in {$110.00} in fees for a {$9.00} transaction.
2. I tried explaining to M & T bank that I have not been using the account for almost a year, or maybe longer and I can not understand why door dash charged my monthly subscription to this account while they charged all my other purchases to my default account which I use on a daily basis.
While trying to retify this, along with other transactions on the account which I did not make, they closed the account and sent it to collections.
Now they're telling me my only options are to either pay the bill or don't pay. But if I don't pay. Its gon na be put on my credit.
I think its unfair to me being that I never initiated a payment with this card.
|
| 04/09/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I paid my mortgage via the banks online payment system with the amount of XXXX got the confirmation number provided on XXXX XXXX. The payment was supposed to be withdrawn on XXXX XXXX. Somehow the bank cashed my check but it was never paid to the mortgage Co. I contacted M & T bank regarding this issue and they said will investigate and give me my refund. I had to pay the mortgage company a second payment via telephone.
They kept on charging me overdraft fees for NSF. Actually the funds were never returned and everything fell apart. In XXXX 2015, they refunded my money but they flatly refused to refund my overdraft charges. I just want to know why did it take so long to refund my money. They refused to answer my questions and refund my overdraft charges ( XXXX x XXXX )
|
| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Good Morning ; I'm not sure what's going on with M & T Bank, i had called them before and i received my title for the vehicle. Why it showing that i was late on XX/XX/2020. That doesn't make sense if they received the last payment since XXXX and sent me my title. I have been trying now to fix this late payment since then and it's taken more than 60 days to get a response and it's still not fixed. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, M & T BANK DIRECT add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 01/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
This is the second complaint to this company related to this case ( refer to XXXX ).
Complaint was made regarding payments not being applied to account resulting in fees and revoked card. M & T claims they need a letter to resolve case and apply credit back to account, however the other bank ( XXXX XXXX see complaint ID : XXXX ) has no record of M & T 's claim of trying to collect payment. Bank records have already been provided and account/routing numbers have been confirmed. Please see attached both banks responses to complaints, M & T is inconsistent with XXXX XXXX claim.
M & T is asking for evidence that can not be provided as they did not request funds per XXXX XXXX letter ( attached ), this is unethical and seems to be a method to skirt responsibility.
|
| 04/08/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I intended to sign up for a bank account with M & T Bank and all online materials indicated that all I needed to do was make a deposit from my debit card from another account. Once I did this, I was informed that they needed much more information. I asked to be refunded the money. They refused and replied that they could not release the funds without account verification. I replied that I did not want an account and they had no trouble taking my money therefore it should not be any trouble to return it to the card from which it was deposited. They will not give me my money back and are not assessing service charges monthly to systematically steal my money. My money is being held hostage by them. They took my money under false pretenses and now refuse to return it.
|
| 02/15/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
I had a home equity note with People 's United Bank, it was paid in full, closed and reported accordingly to the credit bureaus. M & T Bank purchased Peoples Unite Bank and then informed me that the note was still open, after further inquiries ( emails, phone calls ) I was the informed the note was closed, and then I was informed I had to pay {$100.00}, for a mortgage discharge fee. M & T Bank has since notified the credit bureaus that I have a closed equity note with them and I owe {$100.00}. My credit reports clearly shows I had a note with Peoples United Bank, it was paid in full and it is closed. I would appreciate your help, they have reduced my credit scores, and at age XXXX, you would think they would be reasonable. Thank you in advance, XXXX XXXX ( XXXX )
|
| 07/13/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My Loan was transferred from XXXX XXXX XXXX XXXX M & T bank on XXXX/XXXX/2013 after never missing a payment but we had applied for Modification and they did n't tell M & T, I had perfect credit or M & T would not have bought the loan. We sent the first payment in XX/XX/XXXX from my billpayer company at my bank. Which I have the check and the statement proving it cleared. They have reported the payment as a bounced check and ruined my credit. I have a letter from them stating XXXX took the money from them. Because of XXXX mix up. Does a bank get to lie about you make up lies about your payment charge you thousands in fees and ruin your credit due to an error in paperwork between the to banks. I am XXXX and being bullied by this bank Is there anyway you can help??
|
| 02/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
For the past 2 weeks m & t bank has told my girlfriend she can't have her money or access her account. She has been to the branch several times. They always say they have to send email and wait for response. But evidently nobody cares and doesn't care that she's a hard working XXXX mother with XXXX kids and can't even feed their kids because M and T doesn't care. She tries day after day and M and T is just holding her money hostage. Just another bank that could care less about people and just keep the money and do whatever the XXXX they want with it. It's sad that the government lets banks do whatever they care about and never care about the person they deal with. Why are people still keeping their accounts at this bank. They don't even try to make an effort!
|
| 08/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My bank sent my mortgage to a lawyer for foreclosure as I was talking to the bank 3 times a week, making partial payments and being told the loan will not be foreclosed on. The bank told me, every conversation was documented and recorded, this will be easy to prove. When I asked why I was not told it was going into foreclosure the bank said " How where we supposed to know? '' and I asked then how was I supposed to know! The foreclosure lawyer charge me {$2700.00} in fees. I have paid this loan in full including the extra fees, but would like to at least be reimbursed for the extra fees. I was lucky my balance was small enough to pay off. There are going to be a lot of people who's balance will be to much to pay of and this bank is going to steal their homes!
|
| 04/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Description of Complaint : Impacting Credit Score ( Caused by M & T Bank ) XXXX XXXX reported I had a late payment in XX/XX/2022 due to an error by M & T Bank.
My online payment did not process due to my bank after People 's United Bank was bought out by M & T Bank and a processing error occurred from M & T Bank 's end.
XXXXXXXX XXXX then reported a late in XXXX XXXX XXXX to Credit Agencies.
The processing error was completely outrageous because M & T Bank said in writing they would honor the old account number from People 's United Bank and did not honor this. They have had tons of trouble with their online banking and this bank under current lawsuits in the state of Massachusetts.
This bank should be held accountable for these types of errors.
|
| 07/27/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
Servicemember |
|
I had paid off a loan on XX/XX/XXXX with a certified bank check. The bank check had a balance of {$18000.00} after the loan was paid, and this balance was to be returned to me after the check cleared. I received a letter from the bank on XX/XX/XXXX stating the loan was cleared, and a manager told me the check " was being cut '' and would be mailed out to me.I never received the check. I contacted the bank to inquire about the check on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - and each time I was given a different story as to when the check was mailed. It has been over ( 4 ) weeks, and I still haven't been given a clear explanation as to where my refund is. I feel the employees are being less than honest as to the status of my refund.
|
| 07/03/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Bank : M & T Bank This year I have been a victim of fraud charges twice. The first time on XX/XX/XXXX of this year and then on XX/XX/XXXX of this year. In a amount totaling {$5000.00}. Both times it happened in XXXX XXXX. I reported the issue to the police departments and froze my checking account. In the weeks following I worked with XXXX police departments and we got pictures of the suspects. I thought this would resolve my issue but M & T refuses to reimburse me my money. The reason they will not reimburse me is in both cases my pin number was used. I have provided a reason how my pin was retrieved. In both cases my debit card was stolen in the same place which I find odd. I have been a customer of M & T for over 6 years and this is how they treat me.
|
| 03/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My complaint does not seem to fit within the prescribed fields I Demand THIS CREDIT INQUIRY BE REMOVED FROM MY CREDIT REPORT because the mortgage broker did not follow through on my mortgage application after securing my credit report.I am enclosing the last email I received from the broker XXXX XXXX All my voice messages text 's sent to her were unanswered since ... ... .Quite frankly I do not feel I should have to bear the the brunt of a credit inquiry because this broker who is not acting within her capacities ... ... ... that of a NYS Licensed Mortgage Broker I can provide my follow-up calls and and text messages upon request.Once again my credit has been affected as a result of this and I had to have another inquiry done by XXXX XXXX on XX/XX/29.
|
| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I reached out to M & T early XXXX of XXXX due to them providing personal information to 3rd party Companys, XXXX XXXX, XXXX, and XXXX providing false late payment information and account information. They are in direct violation of the Privacy act of 1974. This information provided is negatively affecting my credit report I have disputed this with the credit bureaus for accuracy of reporting as well. This company is in direct violation of 15 U.SC 6802 & 16 CFR 313.1 and U.S.C 1681 ( b ) No opt out notices were giving in regard to summiting non accurate information. They are also in violation of the security act of 1974. The privacy notice is attached which states they would not share 3rd party information, nor would they share with any non-affiliates.
|
| 01/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Two Privacy notices, were provided by M & T bank and and a company named XXXX XXXX XXXX in addition to a mortgage interest statement. The issue is the amount of information that can be shared by the institution and institution affiliates.
7 rows of reasons we can share you personal information. While 7 rows of reasons were shown both M & T Bank Corporation and XXXX XXXX XXXX can share all 7 rows of information without the account holders consent. Additionally only 3 of the seven rows can be limited by the consumer for sharing. The consumer also has to opt out of all sharing by calling the institution. This is the opposite of most consumer services where companies are limited from disclosing or sharing information at all unless the consumer consents.
|
| 04/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
M & T Bank ad ded {$2100.00} to the pay-off amount because they said the request for the pay-off was within 60 days. The truth is there were several requests for pay-off over the 2 years my property was place into foreclosure b y M & T Bank. These requests were made to M & T Bank an d XXXX XXXX XXXX XXXX ( the serv icer of my mortgage ). There were several discussions between XXXX and I about selling the property as a short sale and other options. These discussions included requesting and obtaining pay-off amounts. It is mean spirited and advantageous f or M & T to c harge me {$2100.00} to issue a pay-off letter when for over 2 years the property was in foreclosure and XXXX was assisting in selling it. Thank you, XXXX XXXX
|
| 06/05/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I have a mortgage held by M & T Bank XXXX XXXX, N.Y. The loan is FHA. I 've been making payments for 5 years - not a single late payment. Due to an increase in home values in California over the last five years, my LTV is now much less than the 76 % threshold needed to cancel private mortgage insurance. M & T says it wo n't accept an appraisal to verify the current home value and therefore wo n't cancel PMI until the outstanding loan reaches the 76 % ratio solely through principal reductions to the original loan balance This is absurd, given that I could refinance ( but do n't want to ) and a new loan would be based on the home 's appraised value. This practice seems patently unfair. If however, this is law, as they state, then the law needs changing.
|
| 01/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I pay additional money every. Month and they don't apply it to my balance I have called them seven times asking for this to be fixed I have been paying the extra amount for over a year and a half and they refuse to deduct it from my principal and just keep pushing the payment due date out and keep the loan amount high causing me to pay more in interest. The bank is M & T Bank and the loan is for my boat. I need this corrected and the principal adjusted please and they won't do anything for me and when I try to call the bank now I am out in hold for hours. As you can see by the attached document I pay more then the agreement and have been for a long time and the balance does not reflect it nor does the face they are charging me interest incorrectly.
|
| 09/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I submitted a complaint on XX/XX/XXXX complaint number XXXX I have more to that complaint yes when I called the bank and ask them what happened to my money they said they had no record of it on there computer I'm singing I'm looking at this on my statement on my internet my phone they say no I have it on my phone if you want to check you have my email address that XXXX XXXX took {$88.00} out of my account 7 different times and {$42.00} and some cents from a place called XXXX XXXX the {$88.00} came from a XXXX XXXX store in XXXX Maryland my crew told me that my hundred-million-dollar crew he is taking more out different times and also yesterday XX/XX/XXXX he had my debit card taking off they said lost card when I try to use it please help if you can
|
| 03/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
Dear Sir or Madam, we are contacting you because we want to file a complaint with M & T bank out of XXXX, NY. M & T financed our XXXX XXXX, year 2013. The deal was lousy, a 15 year loan and that would be fraud. M & T took advantage of my sick and XXXX husband ( XXXX years old ). He is in poor health, has a terminal illness, XXXX besides other ailments. Please give him a call at your earliest convenience at XXXX.
If we have to, we would be more then willing to also contact our local news station. Please advise us how we should proceed. We also have numerous other financial problems that would take to long to email. We appreciate you calling us back. My husband is housebound, he is always at home.
Thank you A concerned wife our email : XXXXXXXXXXXX
|
| 07/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have an account with M and T bank for 2.5 years and I tried to call them to ask about how much interest iv paid for the past 2.5 years on XX/XX/2022 Saturday. My payment is due on the second. I can't get a hold of anyone except an automated system and when I got a hold of a representative once she asked for my name and social sending me through 5 automated unsolicited advertisments than I hear good bye at the end of the call suddenly. I have a secured loan with them so I take this seriously. I can't get a hold of the bank and I'm being going to be charged more interest because I am unable to talk to anyone and my payment may not even get made because no one will answer the phone plus these advertisments are completely unacceptable and unwelcome.
|
| 01/31/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
The M & T Bank didn't keep record of the balance of my account, nor have records of my transferring out of the account. The result is that I couldn't see the scheduled transfer. So, I used XXXX to transfer money out of my account. It turns out, the Bank transferred my prescheduled transfer without deduction balance from my account. There was not any record under the tab of transfer history. So, I transfer money out the account. Then, the bank withdraw the money from my other bank account, charged me a fee for insufficient balance.
The insufficient fund was caused by the bank since it should have had updated my account balance and keep a record of transfer so that I can see what's going on.
I contacted M & T for the refund of fee, no response.
|
| 02/18/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I called again today and the phone team still says there is a computer error and they can not provide answers. All i wanted was my account balances. The savings account was allowing me to access it earlier in the app but now will not either. I mustered up enough energy bc of a physical XXXX that you all constantly exploit. I am in physical pain every minute i am on the phone due to a car crash. Your offices routinely place me on extremely long hold times citing computer errors since knowing this and my last complaint. This was after last weeks fiasco on the phone as well.
Please respond in writing. Thank you.
I called from phone : XXXX XXXX XXXX. I couldnt of been any nicer or more polite to mya. I called your company at phone : XXXX XXXX XXXX
|
| 09/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
M & T Bank purchased People 's United Bank and when the transition happened my accounts were not accessible. Called customer service, waited on hold for 42 minutes and was told they needed to transfer me to digital support. Waited on hold with digital support for 2 hours and 56 minutes. The person who answered was unable to see my information and asked me to hang up and call back so the information appeared for them, but never gave me a number to call before disconnecting me. Now the process starts again.
This is criminal in my book, as they have my money, which I have no access to and they either did not plan this conversion correctly or severely understaffed their support.
Called back and now on hold for over 1 hour with no one to help me.
|
| 12/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Servicemember |
|
On XX/XX/2020, my husband and I realized that we were victims of a scam. {$750.00} had been sent via XXXX within the banks mobile app and the two more payments of {$1200.00} and {$700.00} were sent. When a fourth payment was demanded, we realized we were scammed. I immediately contacted my bank to dispute the transactions, which totaled {$2600.00}. On XX/XX/2020, I was advised by the bank that they were denying my dispute. I filed a police report as well as complaints with the FTC, XXXX, and NYS Attorney Generals Office. My husband also has the text messages from the scammer admitting what he did while trying to recruit my husband to join them.
On XX/XX/2020, I also filed complaints with the Federal Reserve and the NY State Dept of Banking.
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My mortgage was sold to this company. I have late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. From the very first day, I have had issues with their mobile app. I have for the several months listed above had multiple issues adding a bank account and other issues. I have never had any late payments. I spend more time trying to add a new bank account and having payment returned because the system kept using my old bank information. I am completely frustrated and null to this company. I have asked them to sell my mortgage to another servicer and they have refused. I attempted a dispute to the credit bureau to no avail. I attempted to resolve the issue directly with this company and still no resolution.
|
| 09/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I had an account with M & T bank ... I disputed a {$1000.00} charge in XXXX ... they gave me a provisional credit ... later reversing their decision in XXXX ... however I went to court in XXXX ... the judge ruled in my favor ... I feel like M & T bank wrongly released funds ... I now have a {$51.00} charge off my credit ... .which I feel I would n't have if they had n't been prejudice to my situation ... and me as an individual ... after working with the attorney general 's office ... they directed me to the bank to recoup my funds and M & T bank advised me that they can not help me to do so ... .even though they filed my dispute incorrectly. So I feel like M & T bank has failed me ... and now ca n't even help me..after they made a mistake
|
| 03/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
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!
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| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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|
I contacted M & T Bank in XX/XX/XXXX regarding my credit reporting error. My mortgage loan started with M & T Bank in XX/XX/XXXX. In XX/XX/XXXXI filed bankruptcy. MTB bank has erased my payment history prior to the bankruptcy filing which is illegal. There response does not address the history they changed prior to my XX/XX/XXXXfillings.
They are saying that my lawyers did not file a reinstatement. Please keep in mind my payments are current and they are no longer reporting this year. After consulting with my lawyer I filed a chapter XXXX and did not discharged, as i removed myself from chapter XXXX. Therefore M & T bank should 1. add my prior payment history back prior to XX/XX/XXXXbankruptcy 2. add my current payment history back
|
| 08/25/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I never received a statement for a payment, when notified I immediately made a payment by phone. Upon completion of making the payment the representive demanded my insurance companies name even after I declined to provide. I was advised my husbands place of employment was called twice in XXXX day via auto dialer reading the mini XXXX via recording to his employer. This call was placed prior to the call on his cell that we answered on the first call from the auto dialer. After I requested a cease and desist and made the payment, both my husband and I received a call with in 20 minutes regarding the account. I was denied copies of the original statements and was denied by XXXX associates to speak with a member of their compliance team.
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
See attached document.
Apparently, the 5 times prior and even recent XXXX XXXX wasnt provided with enough information to process the dispute and blocking of illegal information based on the identity theft which they have committed. I have provided my recent official rebuttal as well as proof to the purposeful incompetence of me sending the letter to XXXX XXXX as well as their XXXX XXXX XXXX. XXXX XXXX is illegally reporting nonpublic personal information without consent as well as not following the FCRA and XXXX XXXX XXXX, and with committing of these atrocities to defame my name and character, financial abilities and mode of living. I comprehend that XXXX XXXX is the stated as the owner of XXXX XXXX as stated by XXXX XXXX as well.
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| 03/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
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On XX/XX/18 I mailed a {$40.00} check to my sister, XXXX XXXX which she never received. I did not put a stop payment on the check as she is my sister. On XX/XX/18 I noticed the check cleared my M & T Bank checking account. I checked with XXXX XXXX and she had still not received the check. When I printed a copy of the check it was signed by XXXX XXXX, an individual unknown to XXXX XXXX or myself. On XX/XX/18 I filed a fraud dispute with my bank ( M & T Bank ) for a check that was false cashed by XXXX XXXX XXXX. I was advised it could take up to 60 days and later told up to 120 days, I have been told repeatedly by M & T Bank that they are waiting on XXXX XXXX XXXX to respond to their request. It has been over 6 months and no response.
|
| 02/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
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|
M & T bank inherited my mortgage from XXXX on XXXX the time of the takeover, I had a modification agreement with XXXX to pay {$1600.00} per month.I was led to believe that this agreement continued with M & T and paid timely per month.On XXXX/XXXX/15 M & T sent a letter indicating that they were holding {$13000.00} of unapplied funds for me.This was later followed by another letter on XXXX/XXXX/15 indicating that {$15000.00} was past due.The letter further indicated that they were refusing my XXXX payment of {$1600.00} and stated that they were starting foreclosure proceedings.I have been making unsuccessful attempts ever since to resolve this matter with them.They have refused my payments and my house is schedule for a sheriff sale.
|
| 03/18/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
After the forbearance period ended between the mortgage company and I ( XXXX XXXX XXXX etc ) the process to sell my home was rushed so that I would not be able to keep my home with all parties involved. Particularly The Louisiana Homeowners assistants fund and M & T bank. I submitted an application for the XXXX amount well before XXXX a long with all associated documents but my application was put in withdrawn status in order to push the length of XXXX and foreclosure process forward. Im also an XXXX with a XXXX and feel Ive been discriminated against. I tried on more than one occasion to handle the problem myself. The amount stated above would have cleared my balance so I could continue my monthly payments to my mortgage provider.
|
| 01/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I Contacted M & T Bank XX/XX/2023 to have my credit card replaced and for some unknown reason M & T Bank Closed my Credit Card Account Card Ending : XXXX and i never wanted to closed my credit card account with M & T Bank or had any problems with this Account Plus i was making my Payments on Time and they closed my account without my Authorization or any notification or anything the last agent i spoke to told me he was going to send a message to the head office for they cant replaced my credit card and today XX/XX/2023 am seeing my account closed even on my online banking my credit card account is not showing anymore i had this account open for years. am very fustrated about this.
My Social Security XXXX : XXXX Card Ending : XXXX
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| 07/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I opened a dispute with M & T bank for 4 transactions that i did not recognize. Claim number : XXXX. Card ending in XXXX. All 4 transactions were done on the same day on XX/XX/XXXX. M & T bank honored 3 of the 4 transactions. The 4th transaction that M & T bank did not honor was for XXXX for the amount of {$130.00}. The reason for the denied transaction was my email was found on " XXXX XXXX XXXX ''. I used XXXX XXXX in the past and the phone numbers are not that accurate let along emails. Also was stated because i have used XXXX group on XXXX XX/XX/XXXX that my XXXX transaction must be me. I have never used XXXX group before. Why would 3 out of the 4 transaction be honored and the 4th denied if they all happened on the same day.
|
| 12/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I make my car payment every month over the phone and usually they call me. I make the phone call to make the payment over the phone and I told the lady that I did n't have my account number with me ; after she asked me many questions at the end she asked for the last digits of the accounts otherwise I was not going to be able to make the payment. After all that time wasted she ended up saying that to me??
I insulted that woman ; then I asked for the supervisor and she hanged on me when I was explaining her what happened.
I told them I 'm making a payment. Can you believe that?
I was n't withdrawing any money from them.
The customer service representative never ever mentioned that she was asking for the checking account number.
|
| 07/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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|
Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX and received the cash bonus of XXXX on XX/XX/XXXX. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account. I have also been charged a XXXX account fee for 7 months while said account was locked.
|
| 04/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
Am Trying to Open a Credit Card Account With M & T BANK And For Some Reason My Credit Card Application Was Place On HOLD And Additional Information Needs to Be Verify There where 3 Inquiry On My XXXX and XXXX and XXXX And My Credit Card Application Is Still On HOLD And Every time I Contact : XXXX I Give My Credit Refrence Number : XXXX to the Agent at the XXXX and They Tell Me that My Application is Being Handle By a Person For Further Review and this Person Who is Reviewing My Credit Card Application Has Not Call Me or Contact me Plus a Message was Given to the Agent and the Person Who is In Charge of My Account From M & T BANK HAS NOT CALL ME YET And I want to know if I was Approved or not For The Credit Card and What Happen..
|
| 07/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX. Never received the cash bonus. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account. Also charged XXXX for 7 months just for having an account with them, that I was unable to withdrawal from.
|
| 08/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I received a deposit to my checking account in the amout of {$4400.00}. The ONLY deposit I am anticipating to my checking account is from my income teax refund in the amount of {$15.00}, XXXX. I called M & T Bank at approximately XXXX and the lady took my account information, LEFT ME ON HOLD for an extended amount of time and I was FORCED to call M & T Bank again. I advised her that I am anticipating a deposit from my income tax in the amount of {$15000.00} and I asked her why was M & T Bank holding my funds because they only gave me part of the deposit. She had no answer and gave me no information to my account. I would like for M & T bank to give me access to my entire deposit from my income tax returns effective immediately.
|
| 12/24/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
M & T Bank serviced my home loan until I refinanced in XX/XX/XXXX. Closed escrow and signed documents on XX/XX/XXXX. Notified by title company that annual tax bill was included in closing costs and that M & T Bank would be sending me balance of escrow/impound account ( between $ XXXX {$1900.00} ). M & T Bank the paid the taxes 3 days later using escrow/impound funds, told me that I needed to contact my countys attorney authorities to initiate return of funds. To date I have not received return of escrow balance and conformed with tax authority that funds for tax payment was wired on XXXX almost 30 days after signing documents with title company. Customer service has been unhelpful and provides wrong and conflicting information.
|
| 09/10/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
We have a business checking account for our restaurant at M & T Bank. In XXXX three fake checks were cashed at XXXX XXXX.
# XXXX for {$1900.00} # XXXX for {$2000.00} # XXXX for {$2800.00} The total is up to {$6800.00} The checks do not appear to be " washed '' checks. They are not in our printing sequence, nor on any setup of how our checks present visually. So they seem to be newly printed forgeries with our account information and address.
M & T has been notified of the fraud bur refuses to return the money until they receive it from XXXX XXXX.
That is between them and XXXX but we are a client of M & T and it is their responsibility to return our stolen funds regardless of the fact that the checks were cashed at XXXX.
|
| 10/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I sent an Error Resolution Notice under 12 C.F.R. 1024.35 on XXXX XXXX, XXXX to M & T Bank. See attachment : XXXX. That notice was received by M & T Bank on XXXX XXXX, XXXX. M & T Bank replied with their letter dated XXXX XXXX, XXXX. See attachment XXXX The language in the M & T Bank reply letter is a deceptive act because, contrary to what it asserts, I did not send them a request - I sent them an Error Resolution Notice. M & T Bank 's reply confirmed that they posted the transaction, that I notified them of, without my knowledge or consent that posting is an unfair act. M & T Bank failed to correct the error and has failed to comply with its obligations under the notice requirement of 12 C.F.R 1024.35 ( e ) ( 1 ) ( i ) ( B )
|
| 11/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I had been looking at what mortgage products banks offered in XXXX of XX/XX/2019. I had authorized M & T Bank to run my credit at that time ( which they did ) and they provided me what they believe I would qualify for. I did not pursue anything with them as the mortgage product they suggested did not interest me. On XXXX XXXX, about a month later, i recieved an email from a gentleman named XXXX XXXX with a pre-approval attached. I had found out that my credit had been run again on XXXX XXXX without my authorization and it negatively effected my credit. I emailed XXXX and he stated that it was run a second time in error ( the first was authorized by me in XXXX ) and the report would be deleted but it still effected my credit.
|
| 10/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
My mortgage company has mistakenly paid the property taxes of a parcel I do not actually own - resulting in a debt with the City Of XXXX on my parcel that I paid with my own money.
I have called the mortgage company since XXXX and they have acknowledged the mistake- yet as of today I have not received my money back.
I am calling them on a weekly basis and every time the operator is surprised like the issue is completely new and takes not real action. Sometimes they claim to escalate, sometime they say they put a note on my file, another time they asked me to upload proof of payment on my side, but nothing is happening.
I do not see the end of the tunnel and could really use some help on the matter.
Thank you, XXXX
|
| 06/13/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We had the impression or understanding that there would be an opportunity to get the mortgage insurance premium removed from our payment after we had reached 80 % of the value of our home paid. We bought our home in XX/XX/2021 and the only information we have received from M & T Bank regarding this concern, was after I made a phone call asking. We then received a letter stating we could not get the insurance removed for the life of the loan with no explanation as to why. It is my understanding that we could/should expect to have written communication from our lender annually at a minimum regarding how we could get out of the insurance premium. Again, we received nothing, except the attached letter, AFTER I called asking.
|
| 03/17/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
After reviewing a copy of my annual credit report, I have noticed that I have XXXX closed mortgage accounts placed in my file which is causing my credit to be less than mediocre. Because I was not equipped with my rights as a credit consumer at that time, I had no idea that there was anything I could do to fight this.
Neither of these debts have been verified or validated for me and if this is correct, I have absolutely no knowledge of the amount owed, if I wanted to remedy the problem.
It is known that both M & T Bank and XXXX have predatory lending tactics aimed at minorities, therefore, I hope hope that they ae not attempting to take advantage of me as a single XXXX mother of XXXX children ( ages XXXX and under ).
|
| 06/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage is from M & T bank. I used to have loan modification offer plan from M & T bank, due to Covid 19 hardship situation. The bank offered me to pay {$46000.00} as a trial period. 3 months. Starting from XX/XX/2022 till XX/XX/2022. Also they offer me to drop my interest rate from 4,75 % to 3 %.
But, after I finished my trial period, I paid in time, M & T bank called me, and told that they made a mistake and they cancel all deal between us. The bank told me, that I have to pay them around {$30.00} XXXX, otherwise they will take me foreclosure. I have all documents prove my words. I have signed and notarized agreement for this loan modification contract. Please help me. I have never missed any payment to the bank.
|
| 09/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
My complaint is at M & T, we ( me and my husband ) have a personal loan them. For XXXX months now, they have messed up our loan for XXXX. We only have one loan through them and they have created XXXX loans with different interest rates plus now with second loan they have us listed as late on payments and also has now listed this with credit bureau at late and I can not get any new credit. I have talked to them several times to straightening it how and they have still to it. I talked to XXXX different ppl there and they aware of the problem and they promised to straighten it out. The problem is with the interest rate. One says XXXX and other is XXXX. Someone needs to correct this it's been like this ever since the loan
|
| 10/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XXXX XXXX XXXX M & T bank repossessed my car for late payment despite my best efforts to pay. My experience with their systems has been terrible. Phone tree systems do not work properly and frequently disconnect. Employees deliver incorrect and unclear information. Payment systems seem to not work well. Mobile app frequently malfunctions. Communications from the bank are inconsistent with some months missing. When requested employees claimed the bank had attempted to contact me and to leave voicemails but the inbox was full. I know this not to be true and could provide records of that fact. The bank seems to make payment and contact intentionally difficult to create opportunities for late charges and additional fees.
|
| 11/12/2019 |
Yes |
|
|
|
Web |
|
|
I have my house up for sale where I was supposed to close on XX/XX/2019 and the payoff for M & T Bank was {$74000.00} for mortgage loan XXXX. I had to reschedule to close on XX/XX/2019 where the payoff for M & T Bank is now {$76000.00} which is a {$1500.00} INCREASE in a six ( 6 ) day period. There should not be this amount due to that the XX/XX/2019 payoff included interest up to XX/XX/2019. I feel and know that I am being " OVERCHARGED '' on this mortgage loan before Closing and this is 'not ' the first time M & T Bank has overcharged my mortgage loan account. I need the payoff amount corrected which should be close to XXXX XXXX dollars more and not the XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents.
PLEASE HELP
|
| 03/14/2017 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
I am filing this complain against M & T Bank which has filed a late payment with XXXX credit card bureaus. In 2013, My employee stole my credit card and used it. I was not aware of theft until I received a past due bill from M & T Bank for {$410.00}. I paid this bill as soon I realized that my credit card used by him. Despite many pleas to the bank to remove late payment from my credit, they have refused to do. It has been four years since this late occurrence, my credit has been damaged by one single late payment. Bank was sending minimum balance, however, I paid the entire balance. I will ask you to have bank remove this late payment. Because of late payment on my credit, i can not refinance my house or buy a car.
|
| 04/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My wife and I co-signed on a mortgage for our niece and her husband. My niece had financial problems and was not making her mortgage payment on time. The mortgage company never once contacted or attempted to contact myself, my wife or my nieces husband. I only found out about the major delinquency when I went to check my Friday score. We have helped them get the mortgage up to date but the mortgage company refuses to reverse the negative data on myself and my wife 's credit. My problem with this is we were never notified so we had no way of defending ourself or helping get the delinquent mortgage up to date. When I contacted the mortgage company they had a hard time finding my wife and I information on the mortgage.
|
| 03/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I opened an M & T Bank account to get a bonus, which required me to transfer {$10000.00} into my account. When I attempted to do this, I learned that their bank to bank transfer option was under maintenance and there was no estimated date for when it would work again. Then I attempted to transfer funds via XXXX, but that system caps the maximum amounts far below what I needed.
When I brought this to the attention of M & T 's customer service, I got the same response twice : If your account has been open less than 180 days, we will assess a {$50.00} account closing fee.
M & T Bank is refusing to waive the {$50.00} fee even though their bank and transfer systems do not allow me to transfer money into my account.
|
| 03/27/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a Mortgage with M & T Bank.Last month I wrote my bills, including the mortgage, on XXXX XXXX. My payment would not be late until XXXX XXXX, three weeks after I sent my payment. I watched my account to be sure that they all cleared. I have never been late with my payment. I called the bank, and they told my that payments go to a payment center. Then she wanted me to make a payment by phone. I told her I could not afford to make a double payment. She tried to push me into electronic payments. I told her no. She said we would wait a few more days. The check finally cleared on the XXXX of XXXX. I am pretty sure that they held my payment back on purpose. I absolutely do not want this. I want my paper statements.
|
| 11/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely
|
| 03/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
M & T Bank Mortgage servicing website has regular outages on critical due date or end of grace periods in order to charge late fees and then when a request to remove the late fee is provided, M & T Bank send a canned response stating their website supposed availability hours. Unless pushed they refuse to even address the question to remove the unwarranted late fee. This has happened in 3 occasions in the last 7 months and some times it takes several interactions with them to do what they should have done automatically.
To support my statements here I can provide proof of payment and proof that M & T Bank has sometimes generated and sent 2 or 3 different statements in the same month to confuse the issue further.
|
| 10/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
In XXXX, 2018, I learned that my M & T checking account was overdrawn. I discovered that someone had used my account to make a purchase on XXXX. I contacted XXXX and the charge was reversed. I also notified M & T bank. However, insufficient funds charges and penalties had already been imposed. XXXX restored the money to my account, however M & T did not remove the insufficient funds fees and penalties. Furthermore, the bank took the money returned by XXXX, approximately {$8.00}. Now there is a collection agency demanding {$89.00} for the improperly assessed insufficient funds fees and penalties threatening to damage my credit. M & T must be held responsible for its error and continuing harm it is causing to me.
|
| 05/25/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
I prepared a letter to XXXX XXXX XXXX dated XXXX XXXX , 2017 to complain about the horrible treatment regarding a mortgage refinance. As of today I have not received a letter regarding my concern. Out refinance loan was denied. However, we did not receive a letter indicating the reason for their decision. I am very disappointed in M & T Bank because they have not responded to my concern in my letter. We have a mortgage with M & T and we completed an application for a lower interest rate, thus a lower monthly payment. I am sadden by their treatment to me and my husband. I requested a letter from their mortgage section a letter of denial. As of today 's date we have not heard anymore from M & T B ank.
|
| 11/16/2023 |
Yes |
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
Hello, Hope all is well. I am emailing you regarding missed payments published on my credit report. Upon final payment to payoff and close the account, we agreed that you would remove the late payments off my credit report. You were aware of my military status and reasons behind the late payments. I am in the process of purchasing a new home for my family and these alerts popped up from my lender. I've reached out with multiple letters disputing what we agreed upon. Yes, you mailed me a final report of each transaction since ownership, but we agreed to remove the late payments if/when I sell the home. Please take my plea into consideration and help a veteran out by allowing him to provide a home for my family.
|
| 10/20/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
M & T BANK PUT MY TAX MONEY IN SOME ONE ELSES ACCOUNT AND SAID THAY CAN NOT HELP ME THAY SAID THE IRS IS RESPONSIBLE AND THE IRS SAID THE BANK IS RESPONSIBLE I CAN NOT GET ANYTHING FROM XXXX XXXX IN WRITING I ONLY PUT XXXX DIDGITS ON MY TAX RETURN FOR MY ACCOUNT # BUT IT WENT INTO ANOTHER ACCOUNT PER LADY AT THE BANK AND THAY CAN NOT GET IT BACK SO I AM JUST OUT OF LUCK AND OUT OF {$1300.00} THE BANK WONT EVEN CONTACT THE PERSON WHO 'S ACCOUNT IT WENT INTO. OR HELP ME IN ANY WAY TO GET THE MONEY BACK EVEN THOUGH THE ACCOUNT DID NOT HAVE MY NAME ON IT OR XXXX # ON IT AND ONLY XXXX NUMBERS FOR AN ACCOUNT # WHO HAS ONLY XXXX NUMBERS FOR AN ACCOUNT # NO ONE THAT I HAVE ASKED HAS ONLY XXXX NUMBERS FOR AN ACCOUNT #.
|
| 05/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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M & T bank have been with them since XXXX, never been late on a payment for any creditors. thought I made a payment which I didnt. So when I tried to make my XXXX payment I noticed I was past due. Contacted M & T right away they waived the late fees, and made my payments. They never contacted me. They had wrong phone numbers. They could have emailed me to notify me so I can pay it ASAP. Please remove from my credit score. If you go through my credit history I never miss payments. Please remove it. It was an accident! I asked M & T to remove it and they stated they couldnt remove it anymore since it was 30 days.they could of emailed me or something! This is not right. From someone who is always paying on time.
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| 04/09/2019 |
Yes |
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ph XXXX accXXXX, Im am a first time home buyer who have been victimized by M & T Bank. I was behind two months due to fixing issues to my home, M & T constantly harassed me to remodify my loan. I refused therefore the stated I owed money on my XXXX payment and simultaneously put my account into collections. The demanded that I pay an inflated amount of money and refuse to deduct the XXXX check. It is against bank policy to put an account into collection unless it is 90 days over due. Since then they have place my home up for auction and has refuse to right this wrong, please investigate. In addition The Dept of Financial Service of New your state has proof of my requests.
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| 02/13/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
|
|
Web |
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I opened a checking account with M & T Bank on XXXX. I then made a series of deposit from that time until XXXX. Since then, my funds have been frozen and unavailable to me in any capacity. I went to an M & T branch at : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX and was told my case was submitted " some team '' and to wait for somebody to contact me. Nobody from M & T Bank has followed up with me on this case at all. I have since contacted the same branch and spoke with a helpful associate, XXXX XXXX, multiple times. However, she can not get a response at all from whomever needs to review this case. She can not even close the account and give my money back. I need help retrieving my money from this bank please.
|
| 01/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX insurance is in jeopardy of being canceled, due to insufficient funds? in My M & T chk account, that not only has more than enough to pay the $ XXXX, but there is {$2500.00} in overdraft moneys available.
My IRS refund, still has not been received going on 3 months now. Due to M & T not honoring it.The IRS sent me a letter saying they would have to send it in regular mail, via a check. Still can't figure out why the Bank XXXX Bank transfers were setup in my savings account instead of the more important checking act. No wonder the manager and I couldn't find the deposits, from my other bank. XXXX in XXXX XXXX XXXX M & T Bank XXXX XXXX where I posted the letter from the IRS XXXX
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| 01/27/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
Older American |
|
beginning in XX/XX/XXXX and ending in XX/XX/XXXX, M & T bank cashed more than 20 checks over {$5000.00} each without my signature and has refused to give us the money back -- despite the fact that the person they gave the money to has been apprehended and he never even claimed that I signed the checks M & T bank wrongly cashed nor did he claim that i owed him money or even knew him. Investigation and bank officials agree that a confederate of his stole blank checks from me. when i answered yes to the question of whether the bank had given me copies of the illegally signed checks that was only partly right ( you only gave me the options of yes or no-not " partly '' which would have been the correct answer )
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| 08/31/2019 |
Yes |
|
- Trouble during payment process
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Web |
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My mortgage was closed with XXXX XXXX ( XXXX ) on XX/XX/XXXX. We had a modification in XX/XX/XXXX. The only thing that changed was the interest rate. The loan was Sold to M & T bank ( XXXX ) XX/XX/XXXX. I noticed on my credit report that the maturity date changed from XX/XX/XXXX to XX/XX/XXXX. I called M & T bank immediately. They told me the modification changed our entire mortgage. I called XXXX and they faxed me the modification closing, showing the original maturity date of XX/XX/XXXX. I sent a copy to M & T and then called them. They received it and can clearly see that their records are incorrect, yet they refuse to update my paperwork. This is an egregious error and they need to fix it! Please help!
|
| 03/20/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
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Web |
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I, XXXX XXXX believe that all my mortgage payments made to M & T Bank on a mortgage I had with my brother since XX/XX/XXXX was paid perfectly by direct withdrawal from my checking account. In XX/XX/XXXX, we sold the property and a copy of the HUD-1 is attached. However, M7T Bank shows a 30-day late payment for XX/XX/XXXX, that should be corrected. I believe that the credit reporting system works, but sometimes mistakes are made. I have disputed this late payment and M & T Bank has not responded to my satisfaction. Accordingly, I respectfully request a review through the Consumer Financial Protection Bureau to rectify this matter. The 30-day late payment should be removed with every credit reporting agency.
|
| 03/08/2017 |
Yes |
|
|
|
Web |
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This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved.
In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
|
| 11/25/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Over the past few months M & T Bank has charged me over {$6000.00} in insufficient funds fees. They continued to process ACH debits after charging me stop payment fees stating that placing a " stop payment '' is a request and not a guarantee. They will not allow me to close the account or open a new one to stop these debits while the account has a negative balance. As soon as my direct deposit credits are posted, more fees are charged and my account returns to overdrawn status. It 's a horrible cycle that is costing me and my children everything we own. I would just like the insufficient funds fees refunded so we can try to save our home and car. I 've contacted M & T over a dozen times with no resolution.
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : M & T BANK XXXX Open Date XX/XX/2013 Balance : {$0.00}
|
| 09/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
Servicemember |
|
After the passing of my husband, I was asked by my mortgage company to start a probate. These was asked between XXXX I went to a title company and started the necessary paperwork. Complied with them. After all these months of not getting a response as to why I wasn't getting an answer I was inform that I needed a different affidavit due to the fact that in one of the affidavits was from a relative. I went ahead and reach out to the title company. Their lawyer told me that I did not need another affidavit. I related these to them and to my surprise I was told that my house going into foreclosure because the requirements were not made. I am including a pdf file that was provided by the title company.
|
| 05/01/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I am a customer with M & T bank ... I tried purchasing a car back in XXXX 2014 ... however after realizing I was no longer interested I decided not to proceed with the purchase ... I disputed my payment and was issued a credit ... later on during the investigation my bank decided that they would honor the auto company and give them my money ... Even after I tried numerous times to prove that they sent M & T bank fraudulent paperwork and forged my signature on a receipt document ... so I feel discriminated against because I am poor and XXXX ... they treated me like trash and I 'm their customer ... they did n't try assist me or even check the documents even when I requested and begged them to do so.
|
| 08/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Hello every since Ive had this account it hasnt been nothing but problems and the debit cards I was unable to use they kept declining and the bank hardly did anything every time I turned around I had unauthorized transactions on my account I had bring it out the negative several times in order to use the account I got so bad I had to remove my XXXX check from them because every month I owed them and over draft fees the only reason I went back because my rent rebate was scheduled to go in and I pull the account out the negative again this time theyve blocked the account without warning and shut down my debit leaving me with no access to my funds they owe me hundreds of dollars thanks for your help
|
| 09/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I Filled A Claim for a Transaction that was Done On My Account For USPS {$570.00} And M & T Bank Denied My Claim Because the Merchant USPS Provided Documentation Saying That The Money Order Was Cashed and i Return this Money Order Back to the Merchant and The Merchant Claim to the Bank that the Money Order Was Cashed Something That was Not True Please Help me Fix This Problem Even Thogh I Provided M & T Bank Documentation That The Money Order Was Refunded By The USPS Back into my Debit Card and its Been More Than 30 Days And Their Still No Refund Coming Back From USPS M & T BANK REVERSE THE PROVISIONAL CREDIT - {$570.00} And Made My Account Negative : - {$570.00} Please Help me With This Problem
|
| 09/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Peoples 's United Bank was taken over by M & T.
We were reassured that the transition would be easier than the previous take over from XXXXXXXX XXXX to Peoples United Bank.
The full transition was supposed to be finished by XX/XX/XXXX.
My account is locked.
I have tried to get this fixed as I have an automatic payment that was to be processed on XX/XX/XXXX.
I finally reached M & T to be told my account is locked. That I have to go in person to get this fixed.
Who is paying for this? I have to take time off of work to get this fixed? By XXXX at the call center employee number XXXX.
There needs to be a formal fix to this nonsense.
How can I trust these people with my money or information?
|
| 01/25/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/XXXX I tried to reason with M & T Bank. They wo n't accept a modification package from me.My First mortgage is current but they have no knowledge that M & T Bank has scheduled a sale date for XX/XX/XXXX to sell the home.
This is second Mortgage I have been trying to work something about with M & T Bank. Each time it is a different person to work with.
Can the second mortgage foreclose because of the subornation in New York?
I made a payment to them XX/XX/XXXX and I thought I was on the right track.
They are so very hard to talk with not to mention work out an agreeable term.
When you call you have to go through about 6 or 7 people before anyone will discuss your account with you.
|
| 09/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
|
On XX/XX/2023 I drove through M & T Bank service window, XXXX, XXXX, to cash a US Treasury IRS refund check for {$280.00}. I presented valid picture government issued ID. I was told that if I didn't have an account with that bank, they wouldn't cash the check. Reason they said was they are a XXXX XXXX and don't have to cash US Federal checks.I asked about US Savings Bonds and was told the same thing.. won't redeem unless I have an account with that bank ... I believe any banking institution that is covered by FDIC is required to cash US Government instruments... Am I wrong? If I'm correct I'd like for them to re-educate their staff on what is required. A note of apology would be appropriate.
|
| 04/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
XX/XX/XXXX-went to M & T bank with check for {$9500.00} to deposit $ % XXXX to checking and {$9000.00} payment to home equity line of credit.I received receipts for each transaction.
XX/XX/XXXX-no money showed in either account ; reported it to bank XX/XX/XXXX- {$500.00} showed in checking ; nothing in home equity several more visits XX/XX/XXXX-bank calls central services again ; say they've figured where the money is ; will take another 3-5 days to credit account. With my vocal complaining they'll try to expedite in 2-3 days.
This means ~2 weeks to credit my account for the {$9000.00}! This is far too long. It was their computer malfunction that was responsible.
I have my documentation/
|
| 04/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I had been furloughed due to Coronavirus shutdowns. On XX/XX/XXXX, I contacted my student loan private lender since I had mailed my loan payment but due to no longer being employed I am unable to make the 2 large payments I had intended. Since the checks had already been sent for deposit they advised I stop payment. My bank charged me 2 stop payment fees of {$35.00} for a total of {$70.00}. I called and discussed the circumstances and hardships I am facing. Initially I was told Id have to wait for the fees to be applied. As a member for over 15 years, I called again on XX/XX/XXXX and asked for fee forgiveness considering the unprecedented events. They were unwilling to consider forgiveness.
|
| 06/20/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
To Whom It May Concern, We have a MIP on our mortgage. We are at an estimated 68 % loan to value. I have asked M & T bank several times for it to be removed and it has not been done. I am estimating that we have reached the necessary 78 % 10 months ago. Our mortgage is in excellent standing, never late and additional principle payments. The last time I requested for the MIP to be removed I received a letter stating that it would be removed when my loan has reached an unpaid balance of {$500000.00} my unpaid balance is {$480000.00}.
My desired resolution is to remove the MIP and be reimbursed for the months that I should not have been paying.
Thank you in advance for your help.
XXXX XXXX
|
| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2023 XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
|
| 04/11/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We have FHA loan from XXXX, LTV less than 90 %, term for 30 years.
The Informed Consumer Choice Disclosure Notice states that if the term of your loan will be greater than fifteen ( 15 ) years and LTV is 95.01 % or greater, borrow is required to pay MIP for thirty ( 30 ) years. As the loan was originated after XX/XX/XXXX, and good LTV our PMI should be cancelled.
We are paying PMI payment is {$180.00} which is over 10 % of our mortgage payment per month.
We have requested M & T to drop PMI but they don't agree and state it is for lifetime of the loan. This is a lot of money per month for us and we thought it was for short term and will go away as soon as we have 20 % equity build up..
|
| 01/15/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
M & T is giving me a hard time while I try to apply for a modification when it comes to proving my hardship. People suffer hardships at all points in time. I have XXXX XXXX XXXX, was denied for XXXX in 2016. I have done a lot to turn things around for myself since I suffered my hardship in 2016. I started my own business, opened a bank account, got a roommate, and I have been supporting my nephew to get through college. Further, I have been paying my overdue through bankruptcy court. I am more than eligible for a modification and I am fully prepared to start paying a mortgage payment. Lastly, I have provided all supporting documentation to M & T as proof of my hardship as they requested.
|
| 03/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent.
MT BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called each company and they all asked was I trying to purchase a car and I already have a car and they had me under another name but my social security number.
|
| 09/17/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
M & T conversion from XXXXXXXX XXXX XXXX is a nightmare. 1 ) Could not use ATM cards sent by M & T bank with its passwords sent to me. 2 ) Could not withdraw cash from my account. 3 ) Bills to be paid via the back to my mortgage company did not appear for days. 4 ) when calling into M & T cutomer service, hold times were hours. 5 ) At the bank, lines were excessive and excessive and items reportedly corrected were not and I had go back 4 times. 6 ) Spent about 6 hours attempting to get resolution. 6 ) Staff was NOT trained properly and its " new " transition conversion system was obviously not user or conversion tested. Customer Service reps at M & T literally said, " I don't know ''.
|
| 08/05/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
M & T Bank holds our mortgage and escrow account. They have delayed in paying our XXXX taxes so long that we have received a Tax Lien notice on our property.
This is the 2nd year in a row that they have delayed in paying our taxes. The XXXX taxes were not paid until XX/XX/XXXX, and only paid after repeated phone calls from us to M & T Bank.
I have phoned M & T Bank 3 times since XX/XX/XXXX to report late tax notices regarding the XXXX taxes. I have received no action on their part to correct the issue or payment.
Due Date for XXXX taxes was XX/XX/XXXX for the amount of {$2500.00}. They remain unpaid today, XX/XX/XXXX, and have increased with penalties and interest to {$3500.00}.
|
| 08/15/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On or about XXXX XXXX, I attempted to deposit 68 XXXX series savings bonds into an existing account at M & T bank in XXXX, DE. I was informed by the branch the bonds had to be sent to their main branch for processing. Long story short, after two weeks and being told they were still being processed, I received a call stating the bank no longer processes bonds. Even though the bonds were not processed, the bank stamped them and now the bonds can not be cashed by another bank. In order to cash them, the original bank needs to send me a letter giving the treasury permission to cancel the stamp in addition to submitting a special form to the treasury and now mailing them into the treasury.
|
| 09/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
I have called multiple times and spoke with my moorage company XXXX Bank to verify if there were any leans, loans or forecloses attached to my property. In return they said there wasn't any of those things. There have been multiple phone calls from realters to finance agencies asking me if I wanted to sell my home or if I need help with paying my loan. According to XXXX XXXX M & T bank has listed my property up for XXXX sail on XX/XX/2023. My mortgage company is with XXXX Bank. M & T Bank has claimed XXXX lent entitlement to my property. I have made every payment on my loan from the first day I closed on my home. I need to report this because I have no loans or leans with M & T Bank.
|
| 06/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I sold a property in XXXX NY mortgaged by M & T Bank. The proceeds did not pay off the loan, {$4100.00} short although this was not a short sale, the sale closed XXXX. I tried negotiating with the bank to re-fi the amount owed, they would not help. I was able to pay them off in XX/XX/XXXX by then the amount was {$8200.00}. I was charged for {$3000.00} for property insurance and county and city taxes although I did not own the property, the new owner was on title. The taxes were paid for the new owner, double paid. I had to pay the entire amount as the property was already taken to foreclosure and the new owner would have filed a law suit against me, my attorney and real estate agent.
|
| 06/27/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My name, personal information, signatures and permissions have all been forged and/or counterfeited. I am able to account for my exact whereabouts on days signatures were forged. This house was sold WITHOUT any permissions or legitimate signatures from me. XXXX XXXX and notary XXXX XXXX are the names of individuals employed and hired by M & T Bank, to record this deed ( attached ). They swear and attest under penalty of law, that I appeared in front of them and proved to them WITH EVIDENCE on XXXX XXXX that I allow for the sale of the home. No such meeting, in person, over the phone or ANY OTHER WAY EVER OCCURRED. This is clearly fraud, forgery and counterfeiting for financial gain.
|
| 12/13/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX has sent verification requests to M & T bank TWICE to verify my account information so they can submit my grant money to bring my mortgage current. M & T has not responded to either of these requests. Their response to me is not acceptable. M & T bank advertises that consumers should apply for state grants to help with mortgage accounts in forbearance. I have applied for these funds in XXXX of 2022 and M & T bank is not cooperating with XXXX. I have already received assistance to help pay for my heating bill thru XXXX and there was no issues whatsoever with the communication between XXXX and the oil company. This needs to be taken care of. My home and my life is not some game!
|
| 07/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
While applying for new credit, I was informed that M and T bank had reported me 60 days late for the month of XX/XX/XXXX. When I reached out to the M and T, an associate informed me that they did not report my account late but when I checked my credit report, it was shown as late for XX/XX/XXXXwhich is inaccurate. The associates informed me to dispute with the bureaus at which point they will respond. Knowing this can take up to 30 days and most cases require supporting documents, I escalated and requested something in writing.
I was informed I would received a letter within three business days and when I called I was informed I was be receiving it shortly. This was not the case.
|
| 08/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am a HUD approved housing counseling and have been working with XXXX XXXX to assist with her mortgage situation. I have faxed a third party authorization to M & T Bank XXXX times first on XXXX/XXXX/15 have confirmation sheet it was received and they I call to speak to someone regarding the file and was told they did not show authorization on file. I faxed the authorization a second time on XXXX/XXXX/15 again go a confirmation it was received but they are stating they do not have authorization on file. This has happened to me on other file I have been working with M & T Bank so they seem to have a pattern of not getting authorization even though we have verification they received.
|
| 12/29/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
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 ''.
|
| 03/01/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX XXXX sold my loan to M & T Bank , M & T Bank messed up my escrow account, causing my payments to double. I was advised by another banker to default my loan for them to fix my escrow. Upon doing so, M & T Bank offered a loan modification. The first loan modification was rejected because one signature was not shown on the documents and I was not advised. M & T Bank started a second loan modification which was approved. During this time, I had ALWAYS made payments as they requested, however, once the loan modification processed it showed I had not paid for years, which is completely UNTRUE. I am looking to purchase a second home and need these missed payments to be removed.
|
| 07/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My husband and were mid process refinancing our mortgage with M & T Bank. We were not asked to provide any contract information for employment verification. Instead on XX/XX/2021, M & T Bank sent a companywide email to everyone ( Over 700 employees ) at XXXX where my husband is employed. The email was sent from one of their employees whose job title includes " foreclosure specialist '' and asked if my husband worked at XXXX. So, now, everyone employed at XXXX believes that our family is going through a foreclosure. This is not only humiliating and embarrassing but is also extremely detrimental to his professional persona. This is a violation of the Right to Financial Privacy act.
|
| 07/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mother in law passed away in XX/XX/XXXX. She divorced her husband in XXXX and legal proceedings were held to remove him from the morgage held by XXXX XXXX at that time. In XXXX the morgage was sold to M and T bank. They have been informed of our want in succesor of interest, however they refuse to alliviate XXXX XXXX, my divorced father in law, of his responsibility to the debt. After much discussion with XXXX XXXX and many document transmitals. Their final response from their representative, XXXX XXXX was that it, '' sounded like a XXXX XXXX problem and not a her problem ''. She also seemed to think we might be interested in coming into their New York based office from Texas.
|
| 03/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Attempting a Bank to Bank transfer with M & T Bank XXXX XXXX Account, I have been unable to move my funds out of M & T. I have attempted a transfer of {$2000.00}, the maximum allowable amount, on several occasions. Each time I have been unsuccessful, receiving the notice " This action can not be completed at this time. Please try again later. '' I have tried to link other accounts, to try transferring the funds there instead, and been unable to link them.
I have even attempted to initiate the transfer from the other receiving bank. I am confident the receiving bank is not at fault, as it has never had issues with them transferring money to and from numerous other institutions.
|
| 02/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The bank said I overdrawn and I disagreed because credits should been on my account so I disputed charges to M & TBank. The bank said that they disputed and the creditors Declined, For any credits : so I disagree And did the disputed myself. XXXX XXXX return {$290.00} : XXXX XXXX agreed that they owned me money because That charged me on a contract they I cancel I went to the car wash place to pick the money up but since I told them I disputed with the bank they refuse to give me my money and said I was trying to collect twice.
I do not owe this bank any money Im asking the bank to investigate and take me out of the credit and pay me the money they owe me for over a two years.
|
| 11/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
There was an unknown transaction on my card on XX/XX/2023. This transaction occured at XXXX store location for {$230.00}. I was not physically in the XXXX on that date and I had my debit card with me. I brought proof of my travel documents to M & T bank branch at XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX to bank representative. The bank credidted me the amount {$230.00} while they conducted their investigation. After XXXX days I recived an official answer that my disputed transaction was denied despite proving to them that I was not in the country at the time of the transaction, I had my card physically with me in XXXX, and I never made any purchases at any XXXX location or online!
|
| 04/13/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Having a Problem Trying to Open a Saving Account With M & T Bank Online XXXX, you will need to visit a branch to open your new account Sorry, we couldn't confirm your identity at this time. Please visit a branch to open your new account.
Remember to bring the following items to the branch : Government Issued ID Your social security card Proof of your address Find an M & T Branch near you All M & T Branch are Closed and i cant open My Saving Account Online i Contact M & T Customer Service and they are Unable to Open My Account Over The Phone Due To COVID-19 All M & T Branches are Closed and am not able to Open My Saving Account Into My Existing M & T Bank Account Please Help
|
| 02/09/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
hi im XXXX i have a loan with M & T BANK las year XX/XX/2016 the bank said i did not pay my real state property taxes with i did directly to the XXXX city real state tax property department but they insist i did not and they add my real state property taxes as a scrow taxes & insurance so i paid the bank againg because the put me on the credit report agency as a delincuet payment i call them on XX/XX/XXXX and they said they did an invetigation and they found out that i pay the taxes to XXXX real state departemnt so they said i was right now everything its clear but they said i have to contac the credit report borou a fill a complaint to be removed from the bad credit report
|
| 01/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Hello Consumer Financial Protection Bureau : This is unacceptable that M & T Bank would send our stolen {$20000.00} check to our old former home address that we moved from in XX/XX/2022, just to continue to mess with us, when they only had our XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX NY XXXX business address on file.
If this is not corrected ASAP we will be filing additional formal complaints against M & T Bank and all of its individual officers responsible for this abuse.
Be guided accordingly.
Thanks, cc : XXXX FBI XXXX XXXX, XXXX Attorney General, XXXXXXXX XXXX XXXX XXXX Department of Financial Services, XXXX XXXX of the Inspector General, Federal Trade Commission
|
| 10/17/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/XXXX, I attempted to initiate a bank to bank transfer of {$200000.00} from my XXXX XXXX savings account to my M & T checking account in preparation for closing on a home. The transfer was supposed to have completed on XX/XX/XXXX, however, on XX/XX/XXXX, the money was instead returned to my XXXX online savings account. I subsequently learned that M & T has a daily incoming transfer limit of {$2000.00} and a 30 day transfer limit of {$5000.00} in a call to them on XX/XX/XXXX. I contacted M & T again on XX/XX/XXXX in an attempt to request a raise of this limit to allow me to transfer {$63000.00} from my XXXX XXXX savings account to my M & T checking but was rejected.
|
| 01/28/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My original loan amount was {$240000.00}. The following payments were made to XXXX before my loan was transferred to M & T Bank.
{$1300.00} on XX/XX/2021 {$1300.00} on XX/XX/2021 for principal only {$1300.00} on XX/XX/2021 for principal only The last balance shown was {$240000.00}.
Payments to M & T were as follows...
{$500.00} on XX/XX/2021 for principal only ***Bank statement attached*** {$850.00} on XX/XX/2021 for principal only ***Bank statement attached*** {$1300.00} on XX/XX/2021 for principal only ***Bank statement attached*** M & T Bank statement dated XX/XX/2021 should have reflected an Outstanding Principal balance of {$230000.00} instead of {$240000.00}.
|
| 03/24/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am currently in a Repayment Plan for my Mortgage with M & T Bank who has XXXX XXXX XXXX assigned to my account. In recent correspondence received from M & T Bank dated XXXX/XXXX/XXXX. M & T Bank states that no payment has been made to my account since XXXX/XXXX/XXXX although XXXX affirms payments have been received this Fiscal of XXXX during that period. M & T Bank is reporting delinquency for periods dating XXXX/XXXX/XXXX to XXXX/XXXX/XXXX which is inaccurate according XXXX records and what is beig reported to the respective credit bureaus. In addition, there is a suspense balance that resides on my account for {$1000.00} with no clear appropriation for these funds.
|
| 10/03/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
M & T bank recently acquired People 's United Bank CT and communicated that n account number needed to be changed and used for ongoing electronic payments. They did not clearly state which account was changing. I submitted my water bill under the new account number which was returned as the debit was directed to my savings account not the checking account in which I thought was where the change was to. When I addressed M & T on this over a phone call on XX/XX/XXXX they said they did not cover fees for merchants. This fee is {$20.00} and due to M & T 's failure to properly communicate changes from their acquisition. I was notified of the returned payment on XX/XX/XXXX.
|
| 05/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX you are in direct violation of the fair credit reporting act ( M $ T bank acct. XXXX ) has violated several of my rights 15 U.S.C 1681 section 602A. clearly states that i have the rights to pricacy.
15 U.S.C 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 16668 : A creditor may not trat a payment on a credit card account under an open- and consumer credit plan as late for any purpose.
remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 08/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
This bank is making it hard for me to withdraw my funds out with my ATM card. I am at the machine today and it's saying I committed fraud taking out my own money in person. Yet last time this happened they told me the machine has issues and every other card holder it's flagging for fraud at that ATM machine. They poorly maintain the machine plus are accusing me a fraud when I have adequate funds in my account and the transaction should go thru. This is getting to be a form of harassment. They need to fix or replace the ATM machine. They have issued me a new card at this time. They said it would be a fix. Yet I was told last time the machine is in need of maintenance.
|
| 09/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
It is ridiculous how little the government does to actually help taxpayers. One of the worst offenses to consumers is mergers and acquisitions. They so rarely help anyone but senior executives and shareholders. It is especially true that in bank mergers we never benefit. Are we getting some higher savings rate or better lending rates because banks have merged? No we lose local jobs and we get worse customer service. The perfect example M & Ts acquisition of peoples United. A disaster for customer service with no benefit to account holders. I know its too late to unwind it although you should but it should at least service a lesson that they should never be allowed
|
| 07/16/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I was granted HAMP XXXX mortgage modification by XXXX XXXX in XXXX of 2014. I have made XXXX trial payments plus have continued with the payments. XXXX XXXX can not finalize the agreement because M & T Bank will not subordinate the home equity line they hold. M & T claims their interest is not covered because of the property value. They said they will do another valuation, however the period to resolve this issue with XXXX XXXX has expired and they have put my property back in active foreclosure status. M & T has thus jeopardied over XXXX months of negotiations to reach an agreement and will force a new application for relief to be made or worse.
M & T Loan XXXX
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Manufactures & trade not properly reporting my monthly payments of {$250.00} per month Monthly payment. They are reporting aNO INFORMATION Payment history. From XXXX thru XXXX listening all payments last when fact they have received them all early Stating Ive only made 23 % on this is a total lie of my credit recording. They are blaming XXXX for not recording it correctly. I called XXXX and they told me they did not provide bother the payment binformation my conformation number XXXX gave me after I spoke to them is XXXX. They advised me to contact you and ask that they be removed from my credit report for false reporting of my payment to them ThankYou XXXX XXXX
|
| 11/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have a issues with my MT BANK business account, the bank are holdings my money and that im not able to withdrawl any of my money, or do any kind types of transactions on my account, The bank says the purposes for this hold is to verifying my identity and in order to remove this hold or alart I would need to verify my identity, I did uploads all the documentation to help processing the verification and even go to the branch in person couples time already but they are not helping any bit. and they have been holding my money for almost a month! AND THEY TOLD ME THAT THE BANK ARE NOT ALLOW WITHDRAWL ANY FUND FOR ME BECAUSE MY ACCOUNT ARE NEWLY OPENED JUST A MONTH
|
| 03/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
M & T Bank reported 30+ days late for my XX/XX/2021 RV Payment. I mailed the payment in XXXX and they did not credit the payment until XXXX. I have a copy of the check. The post mark on the envelope should evidence when I mailed it. I filed a dispute with XXXX. Rather than correct the problem, M & T bank also marked XX/XX/2021 as 30+ late. In reality I am paid through XXXX at this point due to receiving a paying multiple late notices from M & T bank that were inaccurate. I filled a new dispute and the XX/XX/2021 late payment has been removed but M & T bank is refusing to remove the late XXXX payment which is also inaccurate as I mailed it in XXXX. Please help!
|
| 08/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I deposited A XXXX XXXX XXXX check into my M and T account. I was told by M and T my Funds would be released within 5 buisness days it was deposited on the 7th of this month.XXXX XXXX XXXXXXXX told me that M and T bank cashed the check for XXXXM and T says they have an investigation they're giving me no information XXXX transparency.I simply want my money so u can close out this account..M and T clearly does shady buisness, and I'll never deal with them again..I 've given M and T all the information proving the check is legitimate... Not to mention they've already cashed the check and received my money as XXXX XXXX XXXXXXXX revealed that to me..not M and T.
|
| 12/22/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I became 100 % XXXX rating with the Veterans Affairs and am now property tax exempt. I submitted all required paperwork to have my mortgage loan adjusted accordingly. Once doing so, I was advised that it would take 5 business days for an escrow analysis to be completed. Once completed an escrow refund was to be sent. It has been two months with no resolution. I have called countless times, spoke to countless employees and supervisors and each one gives me false information or countless excuses. I was advised not to pay this months mortgage due to these funds being adjusted, it is now late and have a missed payment. Please help me get my funds returned to me.
|
| 06/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
While I was questioning the hold put on my account, M & T Bank, XXXX New York closed my account. They were, at my request researching a missing deposit in the amount of {$4700.00}. They just dropped anything they were doing and closed my account, the notice that they were closing said it would close on XX/XX/15 which would allow me time to receive my social security check which is deposited into the account, instead they closed it on XXXX. Lost to me is my social security check and a deposit of {$4700.00}. I can not afford an attorney to help me re-open this matter. They just said the account was closed, no explanation. Can you help me?
Thank you, XXXX XXXX
|
| 06/26/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We updated our mortgage auto payment online and received a letter from the mortgage company in the mail showing our names, address, routing number, account type, and FULL checking account number. All of the information was prominently displayed. No asterisks or hidden symbols to cover any information. I called the company and the mortgage representative said if Im concerned about my mail being stolen that I should purchase a {$15.00} lock box. I spoke to his supervisor and she said that it was a common business practice to display all of the account information for verification purposes. As someone who knows people affected by identity theft, I was appalled.
|
| 02/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I started an online application for a loan through XXXX bank but then called to clarify whether they finance manufactured homes and found out they do not so wanted to delete my application. I erroneously started a new application in an effort to delete the current one.
I have asked M & T 8 times ( 7 time by email and one phone call on Friday, XX/XX/2021 ) to please stop sending multiple email per day and now followed by multiple calls to finish my application. On the call, the M & T I advised that she will remove me from the the solicitation '' list yet the calls and email continue and I find this extremely harassing 's and a form of predatory lending and
|
| 07/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I opened an account with M & T Bank in approximately XXXX or XX/XX/2019. I closed it a couple of months later. Today, XX/XX/XXXX, I received a letter that they had tried to contact me previously about an overdraft of {$29.00} but they had not heard back from me, and that they are closing the account and trying to collect the debt from me. This is a LIE.
First, I closed the account months ago.
Second, I never wrote a check on the account, and the balance is zero. There is NO negative balance.
Third, they have not written to me previously.
And fourth, they have the spelling and grammar of a first grader, which makes me suspect that the letter is a scam.
|
| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
M & T bank pulled a hard inquiry on my credit bureau on XX/XX/2010, using a third party provider that pulls all three bureaus.
I already filed one complaint and a letter M & T claims it sent me. I never received any letters from M & T. Note & T is the holder of my mortgage so I do get like the annual escrow letters.
I never received any letters from M & T.
They claim I hit a button on their website that authorized a refi application.
If that is true why didn't I get an approval letter? or a decline letter? or and incomplete application letter.
I want real proof of the actual web pages that i was signed into showing I checked a box to " apply ''.
|
| 11/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
M & T refuses to answer my numerous email phone calls and messages. I have also contacted the office of the president and I get no response either. I made a deposit on XX/XX/26 of {$1200.00} confirmation XXXX and my money was withdrawn but never put into my other checking account. Where is my money? Also, M & T promises that when you do transfers that the funds will be available the next morning. This is not the case. Once again I have incurred over {$700.00} in NSF fees because I do transfers but the money doesnt deposit. This is one of numerous situations. M & T owes me my {$1200.00} as well as my {$700.00} in NSF fees for not depositing money on time.
|
| 08/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
A couple of weeks ago I submitted a complaint here against M & T Bank under claim # XXXX. I was informed by M & T that they would be responding shortly. Instead, I received a letter directly from them via a XXXX courier on XX/XX/2019 that they were closing all of my accounts, and not just the one I was lodging a complaint about which included all of my business accounts.
I feel this is retaliatory and discriminatory because of the complaint I filed against them which was about the excessive overdraft fees that they had assessed against my personal checking account over the course of the year resulting in several XXXX dollars in fees collected by M & T.
|
| 07/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/18 XXXX XXXX billed the incorrect account I contacted M & T and explained that I can move the funds from the account that was supposed not be billed, but the fees incurred were not due to my actions.
I was told they would be credited they were not and I subsequently got further fees due to low balance.
I called back again to explain the situation and was promised it would be fixed.
I received more fees.
I called back and at asked for some to at least be waived as a courtesy if they were not willing to acknowledge the billing error that started this.
To date I have received 6 fees due to the snowball effect of not having prior ones refunded.
|
| 08/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XX/XX/XXXX I was approved for a loan modification. And on XX/XX/XXXX I was told that the modification was going to be rescinded due to the second mortgage company XXXX Bank would not move their lien position. I received and XXXX XXXX letter dated for XX/XX/XXXX and I went to XXXX on XX/XX/XXXX. I subsequently received a letter from M and T Bank on XX/XX/XXXX that my mortgage was forward to XXXX for foreclosure proceedings. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they will be pursing legal actions. Based on the documents I received from XXXX and the XXXX XXXX with the dates provided, M and T Bank is in violation of this law.
|
| 09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This complaint is in response to my original complaint # XXXX on XX/XX/2020 which was closed with feedback. XXXX XXXX XXXX bank is awaiting a feedback or response from me as they have realized that there investigation needs further review. My original feedback was that I did not understand the companies response. I also dont accept there response. There are still a couple too many inquiries for same loan product on my experian credit report. The consumer advocate at XXXX XXXX XXXX will know what we discussed on XX/XX/2020 and will reinvestigate my original complaint. Advocate has further information I provided and may contact me if more is needed.
|
| 10/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Greetings, This concerns a foreclosure case. The Trust that currently hold the note is not responding to the short sale offer. I 'm not sure if their attorney has sent it to them. Although I have an email that confirms it. I have called the Florida Bar twice to try to reach out to the attorney to negotiate the sale. The first time he did respond but not much since. They are trying to change the locks on the house while it is still in my name. The utilities are also still in my name and they are trying to lock me out. I am currently my own council for the case. I hope you can help me reach out to them to reach a settlement. Thank you for your time.
|
| 10/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
Someone has opened a checking/debit account using my name, DOB, SS # and address.
M & T Bank sent a physical card to my address. They also sent a request to complete an application on an email.
XXXXXXXX XXXX has sent XXXX emails so far requesting my email address to Complete an application to open a checking/ debit bank account. I have not responded to that email.
Once I contacted the M & T Bank I was able to get the email address the fraudster used : XXXX M & T Bank has closed the account and guaranteed that another account can not be opened on my name online ever. I need to go to a branch in person if I choose to open an account with them.
|
| 10/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I signed up with a {$100.00} bonus for opening my account with M & T and doing 15 transactions with my debit card. According to correspondence from XXXX from customer service, sent to my online banking secure messaging on XX/XX/XXXX, " if 15 or more qualifying purchases are made with your M & T Debit Card by XX/XX/2919, a {$100.00} Cash Bonus will be credited to the account by XX/XX/2019. '' If these are the terms of the promotion, my account is eligible for a {$100.00} cash bonus. Further in the email. it says that no purchases have posted to my account. I have made over 15 transactions on the account, and they were all made prior to XX/XX/2919.
|
| 08/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened and M and T Premier checking account XX/XX/2020. The promotional terms were {$500.00} which I completed on XX/XX/2020. The bank confirmed my promotion and instructed me to wait. I waited the 90 days and now they state I am not able to receive a promotion .I spoke to the bank at least 5 times and they had many opportunities to inform me. They made me send identify documents twice. I feel they are being deceptive as they also charged me {$14.00} in service fees for 2 consecutive months. They had no intention on paying this promotion and merely bilked me for fees. I have attached all the records I have kept, and a copy of their promotion.
|
| 01/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I traded in my XXXX XXXX XXXX and got financed for a vehicle ion which the finance amount was {$27000.00} after trade in .... i held on to the vehicle for 40 months with no late payments, i then contacted loan company ( M & T BANK XXXX XXXX XXXX XXXX, DE XXXX ) that due to family issues i can no longer support the payments. they sent a representative to pick up vehicle after i signed off on it, how ever i don't have that copy of paper any longer ... the issue is that they now reported to the credit bureaus that there's a late payment of {$5300.00} which i feel is wrong knowing i surrendered the vehicle and that i was never told of such actions
|
| 01/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I traded in my XXXX XXXX XXXX and got financed for a vehicle ion which the finance amount was {$27000.00} after trade in .... i held on to the vehicle for 40 months with no late payments, i then contacted loan company ( M & T BANK XXXX XXXX XXXX XXXX, DE XXXX ) that due to family issues i can no longer support the payments. they sent a representative to pick up vehicle after i signed off on it, how ever i don't have that copy of paper any longer ... the issue is that they now reported to the credit bureaus that there's a late payment of {$5300.00} which i feel is wrong knowing i surrendered the vehicle and that i was never told of such actions
|
| 07/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX and received the cash bonus of XXXX on XX/XX/XXXX. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account.
|
| 09/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My house was in foreclosure then my garage burned down in XXXX 2016, I communicated to bank M & T that I wanted to pay mortgage off instead of rebuilding garage. For several months I have been trying to pay off. First a wire was sent they held for four days then sent back. Then I overnighted a bank check as per instructions and they sent that back. I re-overnighted the check and they have had it since XXXX XXXX and told me they would email attorney and cancel sherrif sale. Thank god I went to court because they disd not. As of today they cant locate check and payoff still not completed. How many other consumers are dealing with this at M & T.
|
| 01/20/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I frequently receive email messages claiming to be from M & T Bank regarding " unauthorized access '' to my online banking account, and instructing me follow the link below in order to " confirm '' my identity and " restore your account access '' : https : //onlinebanking.mtb.com/Login/MTBSignOn/ I DO NOT NOW, NOR HAVE I EVER had any banking accounts with M & T Bank . I have received this email message dozens of times over the past year or so. I have NEVER clicked on the link and have always deleted the email message without reply. To my knowledge, there have been no incidences of fraudulent access to my legitimate online banking accounts.
|
| 08/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/XXXX M & T Bank is reporting that I paid {$2900.00} per month for an outstanding loan, and it 's keeping me from getting approved for loans or any consumer credit.
XX/XX/XXXX XXXX XXXX XXXX {$2500.00} is showing revolving credit, this account was satisfied and closed out in XX/XX/XXXX it 's still being reflected on my credit report. I disputed in XX/XX/XXXX and was advised it was removed.
XX/XX/XXXX XXXX XXXX account was disputed, and satisfied still being reflected on my credit report.
XX/XX/XXXX M & T Bank {$1100.00} was satisfied in XX/XX/XXXX still being reflected as a negative result on my credit report.
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| 11/08/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
M & T Mortgage Company foreclosed on my FHA-insured property in XXXX XXXX. As of XXXX XXXX, they have failed to file a claim with HUD for the property, although in XXXX they only have 18 months to do so. When I inquired about the matter through FHA, the lender falsely claimed that the mortgage was 42 months delinquent and in foreclosure status with Eviction Proceedings initiated ; despite the fact that the house sold at auction in XXXX XXXX, has been vacant since XXXX XXXX since I live in XXXX, and they 've received multiple code violations for not properly securing the home. In addition, the lender is claiming I am still indebted to them.
|
| 11/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
there where Fraudulent Transactions from XXXX XXXX XXXX on my Bank Account i Currently Dont Have XXXX XXXX XXXX and there where charges {$430.00} and i never did any Business with XXXX XXXX XXXX and never Purchased anything i fill a Dispute with M & T Bank for the Fraudulent Charge {$430.00} M & T Bank Still Has No Completed The Investigation and its Been Over a Month And The Dispute Was Open In XX/XX/2019 M & T Bank is Taking a very long time To Complete and The Agent From M & T Bank Doesnt Have Any Futher Information i call them the on XX/XX/2019 and said to me they dont have any information about this Dispute and it could take 90 Days.
|
| 10/30/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/23 I telephoned the Bank 's call center and spoke with XXXX XXXX. I was questioning the low interest payment for XXXX on an IRA since the rate had not changed. XXXX indicated he would research the issue and get back to me. On XX/XX/23 I again called the Bank requesting the same information and spoke with XXXX. She stated that since I did not open the account online she could not help me and I would need to go to a branch office. That same day I contacted a local branch office. They stated they would have to reach out to their contact person to get an answer. As of today ( XX/XX/23 ) I have not heard back from anyone at the bank.
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, TX XXXX XXXX You are in Direct Violation of the Fare Credit Reporting Act ( M & T Bank ), has violated several of my rights.
15 U.S.C. 1681 section 602 A. clearly states that I have right to privacy.
15 U.S.C. 1681 section 604 A. Secion2 also states that a consumer reporting agency can not furnish my account without written instructions.
15 U.S.C. 1666B : A creditor may not treat a payment on credit account under an open-end consumer credit plan as a late as late for any purpose.
Remove the late payment and update the account immediately as you are in violation of several laws under the Fair Credit Reporting Act.
|
| 09/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
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
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| 01/14/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I use M & T bank. I get scammed recently by somebody and this person told me to send them money. The scam was about a job. They send me a check for about XXXX $ and they ask me to send this money for the supplier for some supplies. They ask me to send it through XXXX money transfer. They ask me to send XXXX XXXX They then send me another check for about XXXX XXXX When I realized I get scammed after 24 hours from money transfer, I went to the bank and told them the story and I asked them to stop this money transfer, they told me they can't. At the same time, they accept the checks firstly online, and after that they told me it is fraud.
|
| 02/25/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2018 my mortgage transferred from XXXX to M & T Bank, the transferred escrow amount was {$14000.00} per XXXX transfer statement but M & T is unable to provide breakdown of where the escrow money went? Their total is lot less than XXXX and they are not providing breakdown of transferred escrow. M & T 1098 has escrow section which is showing amounts paid after XX/XX/XXXX and most of the funds as Miscellaneous, also the refund is counted twice and has double entry yet I received only once. There are huge mistakes on their numbers but they are not answering my concerns via messaging and are very rude over the phone. Please help me.
|
| 06/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Funds were held on checking account on XXXX/XXXX/XXXX without my knowledge. M & T bank froze acct, could not use acct., debit or find representative that could help me I was instructed to phone legal dept, which I did, left a message on XXXX/XXXX/XXXX Direct deposits, and ATM deposits being made into acct, but ca n't access funds for anything ( food, gas, monthly bills ) There was NO NOTICES SENT to me either e-mail, online, phone or text. I called numerous times to contact. Again NO ONE called back or assisted me. Would like to know what is going on, and how long my money will be held hostage. I ca n't borrow from anyone. I live alone.
|
| 09/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
My M & T bank account app on my phone has been blocked for a month and Ive been trying to call them and even went in person a couple of times to try to get my account unblocked to see how much money I had on there and someone has been taken money out of my account and it wasnt me. I was too scared to spend any money because I didnt want to go over and I havent been able to get into my accounts but instead of helping me get back into my account and giving me money back they decided to cancel my whole entire bank account. They took my whole paycheck that was {$980.00} and I have rent to pay on the XXXX and I really need that money back.
|
| 02/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
M & T bank. Is refusing to fix a problem too which is affecting my credit and my financial situation I had a vehicle loan with this institution to which was paid off as of XX/XX/2022 they owe me overage funds of {$280.00} to which they voided the check that they sent meWhen I went to cash it I have the lien release paperwork and I was told when I went in through a bank by the bank manager that they reopen the account due to a balance too much the balance was {$47000.00} and I pay {$50000.00} I need this matter resolved immediately I will be seeking legal compensation and at this moment and then see is doing fraud and its a big problem
|
| 09/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
People 's United Bank transitioned to M & T Bank on XX/XX/2022.
I have been unable to get bank statements for my personal and business accounts prior to this date.
I am attempting to close on a loan and was told that " only the division presidents can get you this. '' I called for support and was on hold for 2 hours to be told this.
I went into a branch and was told this.
When I attempted to write a question in my on-line account it said " we are not accepting on-line questions due to high volume. '' Access to my past bank statements should occur and this lack of transparency in the change is affecting my ability to do business.
|
| 06/28/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was working with a XXXX XXXX from XXXX. I was sending payments each month with a promise of a reinstatement of my loan. I paid over {$7000.00} to the company and my home was still foreclosed on. The bank took possession of the property XX/XX/XXXX and this company still took payments from me XXXX, XXXX, and XX/XX/XXXX. XXXX XXXX stated they have deleted my file and he has since changed his phone number. Last week XXXX XXXX stated he not longer works for me and to stop calling him. My mortgage company did not receive any of the payments I made to XXXX XXXX. I had paid fromXX/XX/XXXXhe email we were communicating also no longer works.
|
| 10/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Hi I sent M & T bank a right of recession notice and they are telling me they cant send me the proper form or disclosures. They informed me that I have to print it out or contact a lawyer. I was miss informed about the proper disclosures of a credit transaction and they have collected {$500.00} each month from me. And according to 15 usc 1635 they where suppose to respond within 20 days and return any money or property following rescission and I havent received anything or a respond. I had to call and find out about the information I disclosed. The contract they sent was very hard to read I had to send copies in different directions
|
| 03/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
I divorced my spouse over two years ago and want my name removed from the mortgage at XXXX and XXXX XXXX credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that M & T bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to XXXX andXXXX XXXX. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.
|
| 05/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
The money was sent by the payor, however it never posted to the account.
All withdrawals had already been made and there was an even balance of {$8.00} at the end of business day on XX/XX/23. The balance is printed on a receipt from the customer service window. The deposit for XX/XX/23 never posted, and it was sent. When this happens the money is delayed, the thief is deciding rather or not they are going to allow the money to be put in the bank or not, and they are stealing whatever was supposed to go to the bank.
This time it was {$38.00}. With my other bank account, it was much more before I could send a consumer complaint.
|
| 10/08/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I foreclosed on a small strip center in XXXX California in XX/XX/XXXX. Foreclosure was due to default on my second deed of trust. The first XXXX is still in place. Ive been making payments to the servicing agent, M & T Bank for the last eight years. The loan has a tax impound account of approximately {$11000.00}. The bank will not communicate with me despite sending proof of ownership on multiple occasions over the past seven years. They will only talk with the original mortgagor who has not been available. The property is currently in escrow to be sold. I now have no way to retrieve my {$11000.00} currently in the impound account.
|
| 02/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My Mom passed away in XXXX XXXX. Her mortgage company, M & T bank, refuses to give me any information even though I am on the original mortgage and the title to the house. The house has been sold in XXXX and the mortgage paid in full. I am asking for the XXXX, and a refund of the escrow account. They refuse to do anything. They have NOT sent these documents out at all as we had the same address before she passed. Even if they sent this to her home address, it would have been forwarded to me. I believe the law is 30 days from payoff for the escrows, and XXXX/XXXX/XXXX for the XXXX. We have received nothing. Please assist. Thank you!
|
| 12/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I open a dispute with my Bank ( M & T Bank ) on XX/XX/2018 for an unauthorized charge that was placed on XX/XX/2018 on my debt card after losing my wallet which contained my debt card and driver license. I received a letter from my bank dated XX/XX/2018 with the results from the investigated claim # XXXX and since there was a photocopy of my driver license and an account that was supposedly created in XXXX with a company i have never heard of or used it has to be me and would not honor my claim and would not reimburse me in the amount of {$300.00}. I faxed a request for a re-investigating and M & T bank would not honor my request.
|
| 04/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On or about XX/XX/2021, I opened a checking account at M & T Bank located bat XXXX XXXX XXXX XXXX, New Jersey XXXX. I have requested that M & T Bank update my new mailing address to : XXXX XXXX XXXX XXXX, NJ XXXX. M & T Bank ACKNOWLEDGED my request, but CONTINUES to send correspondence to my OLD ADDRESS : XXXX XXXX XXXX XXXX, NJ XXXX. Thankfully, the United States Postal Service is forwarding my mail to my new address, otherwise, I may not receive any mail from M7T Bank. In addition, M & T Bank refuses to send me an updated bank statement that DOCMENTS ALL of my most recent transactions. I am requesting your immediate assistance.
|
| 05/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Opened a savings account with M & T Bank for my daughter not long after she was born in XXXX. I was advised that because we have multiple checking accounts along with my business accounts with M & T Bank there would be no service fees associated with this account. We have received fees every month since the inception of the account and all of the money is now gone. I went into a location in XXXX and they advised me that I was correct and should not be receiving fees. They credited the account for the past 90 days of fees and said the fees should stop effective immediately. We are still receiving fees on the account every month.
|
| 10/11/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I started having a big problem when the economy was very bad because I am XXXX XXXX and a XXXX XXXX. This loan is a second mortgage. I have been able to work out a solution with my first mortgage of which is XXXX.
Every time I tried to work with M & T they wo n't work with me. I had to file an emergency bankruptcy to stop the last sale which was on XXXX XXXX XXXX.I also made a mortgage payment to them and they accepted the payment. When I tried to pay again they would not accept my payment.
Now I have another sale date XXXX XXXX XXXX and my first mortgagee does not know anything about the sale date. I told them about it today.
|
| 01/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American, Servicemember |
|
This is a supplement to my Complaint XXXX.
Being concerned about M & T closing my account XX/XX/XXXX, I went to the XXXX XXXX in XXXX, Maryland to check the status New Years Eve. The branch Manager reviewed my account to check the status. He saw NO flags indicating my account was being closed.
Yesterday, the XXXX of XXXX, I attemtped to use my Debit Card. The ATM machine receipt said it was an invalid card! I did not receive any notice. So, from one day to the next, I have been cut off from my money. A total of {$7400.00}.
What if I had an emergency?
I have a call in with a branch manager. I have not had my call returned.
|
| 11/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I told the bank to stop payment for a mortgage i was going to pay at a later date because I knew i had insufficient funds. They told me that i have nothing to worry about and that they 'll take care of stopping the transaction.I told them again as a reminder 2 days before the trancsaction. I gave them 5 days notice total of the transaction, I later found out they had let the transaction through not once but XXXX, since i didnt have enough funds i was charged XXXX insuffiecnt funds fees for XXXX dollars each. And now they are telling me its my fault for not having the funds even though I gave them a notice to not allow payment.
|
| 04/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, I tried to file a phone claim that XXXX XXXX XXXXXXXX is rigged. I lost XXXX in less than an hour .The lady who helped me on the phone made an error and disputed my winnings of {$3200.00}. I contacted the bank numerous times and have gotten the run around. m and t bank has put my account at negative {$4700.00}. Bc of their careless actions. I have not gotten this resolved as of yet. The customer service has been unhelpful and I don't want to go to a branch. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In short they made an error and need to fix this immediately. As I am losing sleep
|
| 09/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
M & T bank aquired Peoples United bank where I hold several accounts. My access was denied from XXXX through XX/XX/2022 for the merger to take place. Since then I have not been able to access my checking account for online banking. I have attempted to call the bank and have not been able to get through. I have sat on the phone for hours. I also wrote to them and went into a branch. They have not replied to my online message and the branch manager said they can't do anything to help. They suggested that I keep calling and be patient. Meanwhile I can't pay my bills. M & T should not be allowed to function as a chartered bank.
|
| 06/28/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
My complaint is with M & T bank about their 'collection ' calls. I was out of work for 4 months and got behind on my mortgage payments. I am now back to work, getting paid every other week. Even though I have provided a payment schedule to the bank for the next 3 payments, they continue to call me. The calls yesterday and today (XX/XX/XXXX ) were about my XX/XX/XXXX payment being late. I have filled out a complaint form on the M & T website as well. There is no reason to repeatedly call me when the situation or payment schedule I provided is not changing. Their calls and behavior constitute harassment and I want it to stop.
|
| 10/06/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
M & T Bank held my mortgage. I sold the house in XXXX. I never received my escrow funds from M & T Bank. I received a letter from M & T saying they had my money. I asked them to send it. To date I have not received it.
Sale of house funds I called requesting my funds on XX/XX/XXXX. They told me Check Number : XXXX Sent on XX/XX/XXXX. I did not receive it.
Re : XXXX Acct XXXX Amount : {$2200.00} Called again on XX/XX/XXXX No check was sent to me for my escrow funds.
Called again on XX/XX/XXXX No check was sent to me for my escrow funds.
I was told there was a XX/XX/XXXX Check Date. To date, I have not received a check.
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I took out a vehicle loan from M & T Bank for a XXXX XXXX XXXX in XXXX of XXXX and finished paying the loan in XXXX of XXXX. I remember at a point seeing that I was marked late for the final payment I made in person, which I reached out to the bank about. I was advised that it was an error and no payments were late. On my XXXX, the account is marked as PAID/CLOSED/NEVER LATE but when I check XXXX & XXXX, I see that the same payment I complained about in XXXX is still present on my report and calculated as a negative mark. Its confusing because I dont see it on all Bureaus and I was advised that I had no late payment.
|
| 01/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
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.
|
| 09/16/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
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?
|
| 05/25/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
M & T Bank placed a bankruptcy under my identity that is fraudulent on XX/XX/2022.
This is fraudulent I did not file bankruptcy in XX/XX/2022 or any year prior.
The payments I made to M & T Bank were not acknowledged by M & T Bank.
M & T Bank placed foreclosure proceedings on my property located at XXXX XXXX XXXX in XXXX Texas XXXX Twice with a scheduled date on XX/XX/2022 and XXXX XXXX.
The information M & T Bank submitted to multiple entities, concerning my mortgage is false and inaccurate.
The payments I have made to M & T Bank prior to the foreclosure and bankruptcy submitting entities was not acknowledged.
|
| 06/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
i am having a problem with a purchase that was made on my account for a product from XXXX that i return and still have not received my refund {$170.00} and i return the item back to XXXX and i still have not received a refund for this purchase i contacted M & T Bank Filled a Dispute for this Transaction on XX/XX/2021 and M & T Bank has not resolved this situation or provide me a provisional credit for this Disputed Transaction {$170.00} i contacted XXXX several time about this issue XXXX Told me that i was already refunded for this return purchase but for some reason i still dont see the money back on my Credit Card
|
| 06/06/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Good afternoon - I am writing in regards to my PMI ( Private Mortgage Insurance ) removal from my FHA Loan. I been paying my mortgage on time for over 4 years now ( Closed on the house in XXXX 2013 ). I have asked the mortgage company multiple times to remove the PMI from my loan which is about {$450.00} per mo nth ( cl ose to {$5500.00} a year ). This is an extreme amount of money and is putting a huge financial strain on my family and finances. I have called and i sent messages to the bank and i keep getting rejected every time. I am always paying the mortgage on time and have never been late up to this point.
|
| 06/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Account Number - XXXX To whom it may concern, This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ).
I am writing you today as I disagree with the past due payments you are reporting on my credit reports. They do not line up with my records and I believe that my payments may have been misapplied. The particular lates referred to are : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX to XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX
|
| 10/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Hi, I am having nothing but issues with M & T bank. I've made sure to follow every request the bank made to keep on good terms and on XX/XX/XXXX, I have received received letter stating that the bank can no longer do business with me and will be closing my account. I've called my local branch, as well as corporate and they will not give me a reason as to why it is being closed. It is my right to know what, and why this is happening and they refuse. I feel like I am being neglected by this company and as if they do not care about what I have to say. I would like to legal action action against M & T bank if possible.
|
| 10/06/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have had a mortgage refinancing with M & T bank since 2012, FHA streamline mortgage.
This bank has consistently increased my mortgage payments despite the fact I paid escrow shortage every time. They are essentially committing fraud and preventing me from paying off my mortgage sooner by increasing the amount per month annually despite the escrow shortage being paid.
I have asked them to resolve this issue to no avail and even asked to pay escrow separate and they refused because they will lose out on the interest.
I have lost a lot of money with this banks business practices and need them to be investigated.
|
| 03/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
M & T Bank, XXXX. Contacted on XX/XX/20 at this number after contacting refinance dedicated number XXXX with automated response " MESSAGE CENTER FULL '' and disconnected.
Initially after 45 min hold XXXX responded that he was only relay to Loan officer and hung up. Repeated tries, I was able to get XXXX of another Bank Department who attempted to onnect me with loan officer and failed. She arranged for 24 hr call back by a loan officer. Well, 24 hrs have passed nd no call.
I bleive that M & T Bank is a debt collector and there is more incentives to get customers into debt than provide normal services.
Thank You
|
| 05/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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On XX/XX/XXXX, M & T reported to the Credit Bureau that I was 30 days, When discovered I quickly notified M & T of the error however they insisted that it was accurate. I asked M & T to provide me with proof of when I was ever 30 days late, and I even sent a validation letter through certified mail on XX/XX/XXXX requesting for them to validate the late payment inquiry. M & T received the letter however 30 days passed, and M & T never responded. I disputed it with XXXX, and all I received was emails informing me that the creditor confirmed that the late payment was accurate, however, still, no proof was sent to me.
|
| 06/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
|
I fell behind on my mortgage about 9 months ago due to a decrease in my income as I am a small business owner. Unfortunately it was difficult for me to get caught up but now I am in the position where I can confidently pay my mortgage and have the support I need. My loan was transferred to M & T Bank and they never reached out to me to offer me help, they never assigned a specialist to my loan or attempted to inform me that there are alternatives to foreclosure, I found this out by doing my own research online. I feel as though I was treated unfairly and that my rights have been taken away from me as a homeowner.
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| 06/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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I made a mortgage payment to M & T bank on XXXX/XXXX/15 on their online website. On the same day, I made another payment for our escrow shortgage on their online website. I received a confirmation number for XXXX transactions and made printouts of the same. Now I am told I am behind a mortgage payment because I made XXXX payments on the same day so it cancelled out XXXX! The funds were in my account on the day I paid it, I have the confirmation of it and I do n't feel I should now have to pay it. There is NOWHERE on their site that it mentions not being able to make more than XXXX payment a day! What can I do?
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| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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the following accounts appear on my credit report, they do not belong to me and are hurting 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 XXXX XXXX XXXX Account Number : XXXX This is not mine.
4. Identity Theft M & T BANK Account Number : XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Identity Theft XXXX XXXX XXXX
Account Number : XXXX This is not mine.
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| 01/02/2020 |
Yes |
|
|
|
Web |
Servicemember |
|
I had contacted M & T Bank back in XXXX / XX/XX/2019 that I was selling my home. My home sold on XX/XX/2019 where the proceeds to " PAY OFF '' M & T bank were wired the same day of XX/XX/2019. M & T Bank did not update their records and website to reflect that the mortgage I had was PAID IN FULL, and started Foreclosure proceedings on XX/XX/2019. To DATE, the records are not updated, correct, or have the correct amount PAID IN FULL of the mortgage account I had.
I have written M & T bank Certified letters and to date this bank stills respond back incorrectly as to the facts and amount of the balance owed.
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| 01/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
M & T mortgage finalized my request for mortgage modification XX/2016.
I recently applied for credit and I was denied because of the incorrect mortgage pay history that consist of my mortgage payment amount, mortgage balance, and open date of the mortgage that is being reported by M & T Bank on my XXXX, XXXX, & XXXX credit report. My mortgage balance and payment history is being reported incorrectly. Also M & T did n't report the terms of the mortgage modification agreement that is now my current deed. M & T Bank did n't remove the delinquent mortgage history after the mortgage modification was finalized.
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| 01/18/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
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|
Web |
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I am a customer of M & T Bank for my home mortgage since they purchased my mortgage in XXXX. I have always paid my mortgage payment online through M & TBank 's online system. In XXXX XXXX, M & T Bank unlawfully locked me out of my account, in spite of my repeated entries of my valid username and password. I was unable to make my payment on time and was unable to receive any help from M & T Bank customer service to make my payment on time. Now, M & T Bank is insisting I pay a late fee, as well as a fee to pay with a representative, because their own online and phone automated systems did not work correctly.
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| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
For four-five months in XXXX, M & T reported two-year-old ( XXXX ), less than 90-day, non-charge-off delinquencies that have affected my credit rating. According to law, unless these were charge-offs, they should be removed. Even though the payments cited doubled in amounts and the time-frame included the time I requested a forebearance, each monthly payment was paid in two installments within 30 days. This is evidenced by greater amounts paid than requested in some months because of how they reported the payments.
The payments were recorded incorrectly as delinquent when they were paid within 30 days.
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| 12/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable.
Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.
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| 10/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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Hi. I 'm lodging a formal complaint against m & t bank. I made XXXX mobile deposits. XXXX for {$480.00}, and another for {$490.00}. The next day M & t puts a hold on my deposit, no problem. The problem is I had {$120.00} available which they held also. That money was for my son daycare now I 'm losing money at work because I have to stay at home and watch my son. I am requesting m & t close my account immediately and mail me my funds! I do not want to do business with a bank that will jeopardize my family because they XXXX XXXX put a hold on my entire account instead of just holding the deposited funds.
|
| 12/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable. Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.
|
| 08/18/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
I fell behind on my mortgage and applied for a refinance/bailout with M & T bank. I was approved, signed/notarized all the documents, and returned them to the bank XXXX 2015. I apparently missed a signature page and M & T resent the documents without informing me. Someone signed for the documents that does not belong to my household. I have personally experienced mailmen and UPS people switch the numbers of the house and deliver other peoples mail to me. I tried to express to M & T that it was not me who signed for the documents. but they will not resend the documents to me. Instead, I need to reapply.
|
| 08/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Hi my name is XXXX XXXX XXXX submitting they claim because its been a few months since I was supposed to have access to my tax refund deposited on my XXXX bank account the account number is XXXX every since I received my tax refund my bank hasnt allowed me to use my funds I can login fine and see funds but cant use it, they told me this was because my account wasnt opened that long and that they needed to verify me in person which I did but Everytime I do is something new they just keep me goin in circles like hold on but never no answer almost like they dont care or just wan na keep holding my funds.
|
| 10/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Regular Inquiries on my XXXX and XXXX credit report.
I called both companies and they said i had to report through this website.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
XX/XX/23 : XXXX M & T Bank to close checking account. I no longer live near any physical branches and do not have any checks, so I was told to update my residency address with the bank and call back in XXXX weeks to order a debit card so that I could make a transfer of the remaining balance in the account in order to close it.
XX/XX/23 : XXXX M & T Bank to follow up my call from XX/XX/23 and to request a debit card. Was again asked if I could come into a local branch. When I said I no longer lived near any branches, I was told my address had not been updated and to call back in another XXXX weeks.
|
| 09/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
M & T Bank acquired Peoples Bank where I had 2 accounts plus a safe deposit box at a XXXX XXXX XXXX. The safe deposit boxes could not be accessed except by appointment ( I believe they are closing the branch ), so I made an appointment on XX/XX/XXXX to come down and empty out my box and I chose not to get a new box.
On XX/XX/XXXX ( after the merger ) M & T charged me {$65.00} rent for a safe deposit box ( that I no longer had ). I called customer service several times and emailed the local contact at the closed branch, but no one knows how to credit me the {$65.00}, or how to stop future charges.
|
| 09/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XXXX, I transferred {$2000.00} from my peoples United bank checking account to my XXXX XXXX bank checking account and {$500.00} from my peoples United bank checking account to my XXXX XXXX checking account. The money was withdrawn from my peoples ( now m & t ) account but never arrived at the other banks. Ive sent messages on the portal, went into the XXXX XXXX location and refuted the fund transfer, wrote an email to the office of the president. I was told it would have a resolution today and someone would call me. I received no phone call and the $ $ still has not been put back into my account
|
| 02/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have received a notification on XX/XX/XXXX that my mortgage has been transferred to a new company, effective XX/XX/XXXX. M & T Bank transferred our home loan to XXXX XXXX XXXX without properly notifying us of this change. The letter addressed to us is dated for XX/XX/XXXX. All information I am finding online states we should have received notification of at least 16 days prior to the transfer. I still have my XX/XX/XXXX payment to complete, and I have no understanding of who I am to pay this to. The new company has confirmation in the packet stating how to pay with check, but i do not use checks.
|
| 07/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was away on XXXX XXXX and a car loan was fraudulently obtained with my information without my knowledge or consent. Ive sent numerous letters with identification proof that I was away in the military in the XXXX XXXX. Ive also provided police report of the identity theft. M & T bank is still reporting this fraudulent account to the credit bureaus, and it is negatively affecting my credit. The dealership that gave this loan out was closed due to fraud. This car loan was obtained with a fraudulent paystub. The dealership did not require any secondary form of identification to obtain this car loan.
|
| 07/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was away on XXXX XXXX and a car loan was fraudulently obtained with my information without my knowledge or consent. Ive sent numerous letters with identification proof that I was away in the military in the XXXX XXXX. Ive also provided police report of the identity theft. M & T bank is still reporting this fraudulent account to the credit bureaus, and it is negatively affecting my credit. The dealership that gave this loan out was closed due to fraud. This car loan was obtained with a fraudulent paystub. The dealership did not require any secondary form of identification to obtain this car loan.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
For XXXX months in 2018, M & T reported two-year-old ( 2018 ), less than XXXX, non-charge-off delinquencies that have affected my credit rating. According to law, unless these were charge-offs, they should be removed. Even though the payments cited doubled in amounts and the time-frame included the time I requested a forebearance, each monthly payment was paid in two installments within 30 days. This is evidenced by greater amounts paid than requested in some months because of how they reported the payments.
The payments were recorded incorrectly as delinquent when they were paid within 30 days.
|
| 01/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am the XXXX XXXX XXXX XXXX XXXX XXXX. I own a XXXX XXXX that employs XXXX XXXX and cares for XXXXXXXX XXXX
M & T bank placed a freeze on my business bank account after depositing a check which resulted from the sell of my company car and withdrawal of the proceeds.
This freeze has prevented me from being able to operate my business.
I have been unable to pay my staff ( run payroll ) and order supplies like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
M & T did not notify me that this freeze was placed on my account. I found out after my debit card kept getting declined with various merchants.
|
| 02/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I signed for a checking account with M & T bank. I signed up in person with a paper coupon that was emailed to me. The coupon ( XXXX ) stated that if I open the account and have direct deposits of {$100.00} or more I will receive a bonus of {$200.00}. I had confirmed with the bank that i had met all the requirements. Then when I asked when the bonus will be posted the reply was to wait 45 days. After 45 days i asked again. The bank informed me that I did not qualified. Even though I have coupon and was already told that I have met all the requirements I still have not received the sign up bonus.
|
| 07/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
XXXX XXXX here, I am new customer to M & T ( end of XXXX ) and I was offended to see when I first looked at my statements from XXXX and XXXX that I have been charged over {$120.00} in ATM fees. I understand that account sometimes had fees but I had no idea that M & T would charge me {$3.00} per transaction just to check a balance?! I was charged {$3.00} approximately XXXX times in XXXX months to check my balance from other ATMS!? I was told at XXXX XXXX NY branch that " I thought they stopped that ''. I was charged to check my balance also! I feel as if I am being targeted due to my low income.
|
| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2020 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 03/12/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I am trying to make one payment to my my mortgage account. The servicer is refusing to accept it. M & T bank is the servicer of my account. I tried to make my mortgage payment online. M & T Bank blocked my account and I can not do my payment online. I tried to do the payment over the phone with the pay by phone feature. M & T Bank also blocked the system and I was not able to do my payment with pay by phone. I called M & T Bank and spoke to a representative. The representative refused to take my payment.
M & T Bank is trying to take my home away from me by refusing my payments.
Please help!
|
| 10/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I had an account with peoples back which has changed to M & T We had bought checks for around XXXX $ worth After the merger/acquisition, the past checks will be valid only until XXXX.
When we asked the branch if they would replace our checks, we were told that we could just use our checks completely ignoring our request. This ignores that our checks will not be valid in some weeks.
This is just an extra fee and extraction from the back.
We will try asking the branch again ( we dont have much hope though ) Hoping that your organization can make this right to all this banks customers.
Best
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
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.
|
| 12/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is a continuation of the previous complaint. Although I have been paying my homeowners insurance to M & T Bank each and every month without having the homeowners insurance in place due to M & T 's neglegence and not informing me that I did not have any insurance since XXXX of 2022. I have requested those funds to be returned to me and they state that they had to pay taxes with it even though they increased my morgage payment for 2022 to cover the increase in taxes in my area. They are refusing to return the money I have been paying each month for 8 months and not having insurance.
|
| 01/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened a checking account with M $ T bank and enrolled in a bonus promotion of {$250.00} when I meet the following requirement.
Account Number : XXXX Open an M & T MyChoice Plus or Premium checking account and receive a sign up bonus of {$250.00} when you set up a qualifying direct deposit of {$500.00} or more within 90 days of account opening. Promo code : TL.
I made a direct deposit on XX/XX/2018 and the bonus has not been posted yet. The XXXX XXXX XXXX customer care admitted that I met the requirements for the bonus. It is been almost 90 days and I have not received the bonus.
|
| 08/01/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
M & T Bank is my mortgage servicer. Sadly they did not make the required escrow payment and my insurance coverage lapsed. They did not contact me about this. When I discovered it I tried to pay my hazard insurance premiums directly but it had been too long and the policy was cancelled. M & T put their super expensive forced place insurance on the property with out letting me know. All of the new hazard policies are at least double the cost. If M & T had simply done their job I would have affordable coverage. This costly mistake will force me to pay higher premiums for years to come.
|
| 07/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a mortgage with XXXX XXXXXXXX XXXX that was late and I used a federal home loan modification program to refinance with M & T bank. I have never been late with the M & T bank mortgage. My XXXX report shows that I have been on time but XXXX and XXXX show that I have been late. I have disputed this various times with the credit bureaus and bank. They say that the late payments are valid even though they are not. This serious delinquency has prevented me from qualifying for a personal line of credit and credit card even though I have been on time since I refinanced 5 years ago.
|
| 09/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
There is apparent misconduct on the part of the credit card company. I have attached the Affidavit and Exhibits referencing the misconduct and want to make sure that the appropriate person at the bank gets this information.
This is the same documentation that I overnighted, on XX/XX/2018, through the United States Postal Service and mailed to M and T Bank Legal Document Processing at XXXX. XXXX XXXX in XXXX, NY XXXX. The bank should receive this document by Monday, XX/XX/2018 and I want to make sure that the issues in the attached documentation are received and addressed promptly.
|
| 05/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
For the last 10 months, M & T Bank charged my account {$24.00} per month for premium services, but would not provide any of the services. They would not allow deposits or withdrawals or enable me to meet the requirements to waive the fee. I contacted them to change the account to a free account, and they refused to do so.
I have not received any services for 10 months. I am entitled to credit for the monthly {$24.00} fee when they stopped providing services.
Now they are threatening to take my account into overdraft due to the fees but they will not allow me to make a deposit.
|
| 10/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I called the company XXXX XXXX to inquire about payments on XXXX XXXX, and was told erroneously that I was current, because the employee misread some refund escrow check and took it for a payment.
I am on autopay for my XXXX payments from my XXXX XXXX checking account to my XXXX XXXX mortgage account Missed the XXXX XXXX payment, and that cancelled the autopayment against my will I did not realize it, so I missed XXXX more payments When I realized it I made the payment for the XXXX missed payments on XXXX, but my XXXX XXXX had already been affected.
my account is now current
|
| 06/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I mailed a {$33000.00} business Check from XXXX XXXX XXXX made out to XXXX XXXX. They did not receive the check, lost in the mail, or stolen? This check was cashed on XX/XX/2022 by M & T bank. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX NY XXXX The forged check was cashed with No account number, the name XXXX was misspelled, the signature is not legible.
XXXX filed a claim in my behalf, nothing has happened in 9 months, according to M & T it's Pending. I tried to contact M & T myself, they did not return emails or calls. M & T has all the infomation from XXXX, this was sent twice.
|
| 10/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have contacted all three credit bureaus to corrected a fradulent file on my account which is from company by the name of m & t bank. They have received funds from the VA and from over 400.000 from me, VA and the State Banruptcy department. They pretended to be a mortgage and then did not except mortgage payments. Would not dispense escrow money account.This company has been pretending to be a mortgage company from some time. They shown up in the courts hand have provided illegal documents to take our home with the XXXX County Court system. I Ccan be reach ed at XXXX XXXX XXXX
|
| 04/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
M & T bank is profiteering and gouging its customers by charging fees for basic industry standard services that are available elsewhere for free. The current industry standard way to connect XXXX software running on a customer computer to a bank 's system is via XXXX XXXX. This is replacing the old XXXX method. All the other banks have changed over to this method and is offering this industry standard method of connection for free, except M & T who wants to charge $ XXXX/ month to use this industry standard method of connecting and downloading my banking transactions with them.
|
| 02/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I had a mortgage on property in moundhouse Nevada the mortgage was sold to M & T bank, XXXX XXXX XXXX XXXX Maryland from XXXX XXXX XXXX number XXXX On XXXX XXXX th I called and asked for a payoff total on this loan, I was told the amount was {$72000.00} I then wired this amount on the same day from my bank. They told my Daughter several days later that they would not post this payment until XXXX and We owed another {$350.00}, I sent the money, is this legal they would not post the transfer money until they could charge another months interest. Thanks for your help..XXXXXXXXXXXX
|
| 09/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I have made several attempts to make a loan payment on my account. I called numerous department phone numbers tried to pay my bill through the automated system and even tried to get into my account online. I wasn't able to retrieve my user ID or my password. Thier hours of operation are Monday through Friday XXXX to XXXX and those are the hours I work. I have no way of making a payment because there are no options to pay my bill outside of normal business hours. They changed their system so I haven't been able to log into my account in a long time. I need a way to pay my bill.
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have had a charge off from M and t bank on my Credit report for 7 years at a larger balance than when it was originally written off for. M and T bank kept increasing the amount. I have dispute the information starting in XXXX when it was at 7 years to have it removed yet the bureaus have not done anything. They said the information came back accurate. I disputed it on XX/XX/XXXX, XX/XX/XXXX as well but they keep saying it is valid without proving the methods and means at which they found it so. This item is hurting my credit and has been over the duration of time allowed to.
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have had a charge off from M and t bank on my Credit report for 7 years at a larger balance than when it was originally written off for. M and T bank kept increasing the amount. I have dispute the information starting in XXXX when it was at 7 years to have it removed yet the bureaus have not done anything. They said the information came back accurate. I disputed it on XX/XX/XXXX, XX/XX/XXXX as well but they keep saying it is valid without proving the methods and means at which they found it so. This item is hurting my credit and has been over the duration of time allowed to.
|
| 09/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello, I am the owner of my home at XXXX XXXX XXXX XXXX XXXX I am living there with my XXXXyear-old mother and I really need help I have for months have been trying to get M and T XXXX company to help me with my request for loan modification so I can go back to paying my mortgage on time. I feel on hard times after a seperation and I am now living in the property and I need to make sure we dont loose our home.
I am working full time and I ahve submited a fll loan modificatoon request. I want to ask for a proper review and and appeakl to all my denials I needto keep my home.
|
| 03/17/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The following account is reporting inaccurate information on my all three credit reports which is hurting my credit. The information I have from the company is this : - XXXX XXXX XXXX XXXX : XXXX : Theres not available number I can contact the company or someone who can tell me any information of what or who opened this account. Hope this can be solved as soon as posible because I have been working really hard to fix my credit and build it at the same time. I want CFPB to take an action and help me to solve my issue with the collection and Reporting agencies. XXXX- XXXX - XXXX
|
| 03/17/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
My wife and I have a mortgage with M & T Bank. We are repeatedly being told we must go to our local branch to verify our personal information. We went over there in XX/XX/2016 and now we are being told we have to do it again. In close to 10 years with Hudson City Savings Bank, which they recently purchased, we have never missed a payment or been late. Our credit rating is exceptional and we have considerable amounts in our savings accounts. I believe that this is a thinly veiled attempt to get us into the branch to sell us additional products, which we are not interested in.
|
| 11/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I was making a payment to my credit card, and I went over by {$2.00} apparently. M & T Bank then decided to charge me a {$40.00} fee for that, then another {$40.00} fee because I did not pay it within five days.
This is criminal behavior, I should not be threatened to pay {$80.00} because I went over by {$2.00}, even though I 'm pretty sure I did n't. They are threatening to give me black marks on my record and close the account unless I pay their ransom.
M & T Bank is full of the worst kinds of scum and I can not wait for the day I close my account with them for good.
|
| 03/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XXXX XXXX, XXXX, I visted the M7T Bank Branch located in XXXX PA. after expecting fraudulent charges were made against my account. Initially the bank gave me a provisional credit ; however, on XXXX XXXX, XXXX they reversed the credit. I was supplied with the name of the person who made these charges and immediately filed a police report, and supplied M & T Bank with the protection from abuse order filed on XXXX XXXX, XXXX against the individual and the police report number. M & T will not let me speak to the someone in the fraud department, nor will they refund my money.
|
| 01/09/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have an account with M & T Bank ; on XX/XX/2021, the Bank to Bank Transfer feature went offline while they " update '' the system. It has been offline for about a year now ; with no end date given or in sight. I have called their customer service and spoke with a representative who explained they don't know either, but to check their website and emails for the most up to date info. I visited their FAQ about it and it's nearly a year later and still no end date has been announced.
|
| 03/03/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage company M & T Bank has refused payments they ran check through my bank account XXXX causing NSF, for payment on XX/XX/XXXX then I made payment the check for {$1200.00} came back but money still in my account I did another check for the XX/XX/XXXX and they rejected the payment causing me to go 4 months past due on my mortgage they have not offered any help or assistance to me at all I need help then they told me I ha e ro do two payments at same time which caused to me default because they stoped accepting payments when I was only two payments behind.
XXXX XXXX
|
| 08/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I provided a sign on bonus for employment and was told that leaving within a year I have to pay it back depending on when, my offer letter did not state anything about paying the bonus back in full. I left the company after 9 months because the culture and organization is terrible. During my exit no one even mentioned anything about the signing bonus being repaid. I then received a letter from the M & T Bank collections group demanding that I pay the amount back and when I called, XXXX XXXX who I spoke to, was rude and not willingly to negotiate, which I was willing to do.
|
| 07/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I was sent a check XXXX via fed-ex.
The check turned out to be fraudulent. I simply deposited it.
I DID not attempt to use any funds.
I apologized for it. The bank ( M & T Bank ) where I HAD been a customer for 21 years, asked me then to close all of my accounts, citing that after 21 years I was a high risk for simply depositing a fraudulent check.
a ). I apologized b ). I explained how I came to get the check - the people that sent me the check were arrested in XXXX.
c ). I made NO attempt to use the funds.
Yet, I am the victim and now I continue to be the victim.
|
| 07/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
M & T Bank Claim Number # XXXX. I called and disputed the charge of {$150.00} that was charged to my account on XX/XX/XXXX by XXXX as i have not booked anything in a very long time. On letter dated XX/XX/XXXX M & T Bank sent me a letter stated they are denying my claim due to an email i use for the booking. I have since logged into that account and the last time a booking was made to that account was on XX/XX/XXXX. There was no more bookings used after that with that account listing with the email. I do not see any documents that show if or who actually went to the hotel.
|
| 08/24/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I did the loan modification after the forbearance but after taking the first payment was informed I had been denied for the modification because I didnt sign papers that I never received. After speaking with them again and making another payment they sent a new modification that was going to increase my monthly payments and put a lein or 2nd mortgage on my home, after reading over the agreement that was mailed promptly I contacted them to let them know I wasnt comfortable signing the agreement. I reached out to my hud counselor to see if they could get a better outcome.
|
| 06/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
M & T Bank used overdraft link to credit card for two debit card transactions ( XX/XX/XXXX and XX/XX/XXXX ) that were placed on hold and never processed as complete. The account was never at a negative balance, but transfers and fees occurred. As a result, we were charged fees for the utilization of linked OD protection on our credit card. Even though the on hold items never processed, when the holds dropped, the OD charges to the card ( and associated fees ) did not. They should have been reversed when the debit holds dropped and this is a clear violation of UDAAP.
|
| 01/17/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I had an insurance claim for damages to my property. I was then effected by the COVID pandemic. I went onto a COVID forbearance. My insurance company sent my lender a check for {$3000.00} on XX/XX/2020. My lender applied that money toward my mortgage payments on XX/XX/2020. I now do not have the funds to pay the contractor who repaired my home. I was told it was because the lender had my file under " XXXX ''. I am now stuck without the funds to pay my contractor. I do not know what to do and I believe a clerical error on behalf of my lender should be detrimental to me.
|
| 11/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
To whom it concerns, I have tried to pay the mortgage in full to this company. Their lawyers wo n't return my messages. In addition, instead of taking the money they have left threatening notices to change the locks on the doors and sent me a text message threatening me with eviction. I would like to speak with someone ASAP.
It 's about money, right? Here it is then.
Thank you, XXXX ) The Full name does n't fit in the required placement.
It is Wilmington Trust, National Association XXXX Ny XXXX Aliases : NOT IN ITS INDIVIDUAL CAPACITY, BUT SOLELY AS TRUSTEE FOR XXXX
|
| 06/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My Chapter XXXX XXXX filing was discharged 6 years ago. I included XXXX mortgages in the XXXX which have XXXX been paid on time for the past 6 years since the discharge. However, I am not getting credit for either mortgage on my credit bureaus. I have contacted all XXXX agencies as well as XXXX servicers to resolve multiple times. Both agency and servicer are suggesting that the other is at fault. This situation is impacting my credit score and in turn my lending options. Being at a loss I decided to contact the CFPB to see if they could be of assistance in this matter
|
| 10/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Refinanced home mortgage with enough cash out to pay off car loan. Loan closing was on XX/XX/XXXX with disbursement scheduled for XX/XX/XXXX. M & T Bank claims it did not receive payment until XX/XX/XXXX, thirteen days ago. After not receiving lien release I spoke with M & T representative today and was told they have to wait for check to clear but the automated system said the account was paid off on XX/XX/2019. I can not sell this car without a title and getting the lien release is just the beginning of the process. I believe this should have been done before this.
|
| 06/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I am writing today in wish to obtain your help. Currently I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this procedure. I am asking about the account number referenced in this complaint.
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am writing this in order to get this remark retracted. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.
|
| 07/29/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Had to file for bankruptcy due to financial problems. The mortgage loan, M & T Bank hold our VA loan. Ever since then the mortgage lender continues to increase my mortgage rates. They have not and will not work with me on any of this. They put my home in foreclosure status. I had to find help with a bankruptcy claim in order to keep our head above water. Have been out of work due to COVID and still they do not care. They keep increasing my mortgage amounts. This company does not work with anyone, they told me they want their money or they will foreclose on my home.
|
| 01/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In XXXX, I gave XXXX XXXX, loan officer for M & T bank consent to pull my credit report for a mortgage pre-qualification.
On XX/XX/XXXX XXXX XXXX, loan officer for M & T bank out of their XXXX office pulled my credit report without my consent. She has confirmed this through email. I was hoping to restart the home buying process by starting with a timeline around mortgage applications. I specifically wanted to know how long my mortgage pre qualification would stand and time my research around mortgage offers correctly so as to do minimal damage to my credit score.
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
This is a direct violation of so many U.S. codes and ethics. I was in covid forbearance with M & T bank and was told there would be no negative reporting to my credit report. Well on XXXX XXXX they reported negative marks on my credit report which has in turned caused me and my credit a lot of damage. Right in the middle of a work out they violate my consumer rights this way. We have already decided to obtain counsel and file suit against M & T because this has caused damage to my credit in such a negative way. This direct violation of 15 USC 1681a ( k ) ( XXXX ).
|
| 08/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I opened the account on XXXX. I contacted company on XXXX and was unable to track information on account, then spoke to manager who gave another number who could help with online accounts. I was given phone number XXXX to get more info on a weekday. I spoke to someone today who told me the account was closed due to negative balance. I've never withdrawn anything from the account, but they advertise XXXX XXXX as No monthly maintenance charge and No monthly minimum balance requirement. I was never contacted on any changes, and all contact information is up to date.
|
| 02/03/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
My XXXX mortgage ( account number XXXX ) closed XX/XX/XXXX I have been paying XXXX with my monthly payments but as of XX/XX/XXXX or earlier my XXXX ratio became was less than XXXX %. XXXXs letter of XX/XX/XXXX states when this principal balances wa reached, they would not longer collect XXXX. On numerous occasions in XX/XX/XXXX I spoke with their customer support staff. They would not stop the XXXX collection. I have received a XX/XX/XXXX escrow analysis that appears to indicate that the XXXX will not be billed. But there is not definitive wording to that effect..
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
M & T BANK XXXX Open Date XX/XX/XXXX Balance : {$0.00}
|
| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
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.
|
| 12/10/2019 |
Yes |
|
|
|
Web |
Servicemember |
|
I SOLD my house on XX/XX/2019 and the money to pay off the mortgage was 'WIRED '' ELECTRONICALLY in the amount of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( {$76000.00} ) to M & T Bank on XX/XX/2019. This was 'VERIFIED ' by Closing Attorney 's office as to the amount of Pay OFF that was due under mortgage account XXXX. To date ( XX/XX/2019 ) M & T bank has NOT UPDATED to show that I have a XXXX balance with them and that the mortgage is PAID IN FULL. This is effecting my " CREDIT '' and should have been UPDATED BY NOW. I DO NOT OWE THEM ANY MORE MONEY!!!!!
|
| 08/11/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My Housing Counselor called the Lender to assist me with funding to reinstate my loan and they hung up on her. She called the same number found on the Mortgage Statement XXXX and the automated system said they were a Company called XXXX. I gave her 2 numbers that I had dialed on my cell phone XXXX and XXXX and they came up as XXXX as well. We reached a Rep and she said that they are like XXXX, information number. I dialed the same numbers on my cellular and reached Customer Service for M & T and my Housing Counselor was then able to get information about my loan.
|
| 11/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
Made an online purchase from XXXX XXXX on XXXX and M & T put a hold on my card. After 2 hrs of being put on hold with the fraud dept they hung up on me. I called back again and after 2 hrs of being on hold again they hung up on me. I called 3x on my cell phone to speak to an operator and a supervisor and they got me nowhere. I started my phone call at XXXX XXXX and here it is XXXX XXXX with still no assistance from my bank who is holding my own XXXX money! 4 and a half hours later and still no help! Holding my money XXXX for a purchase I truly need for my home!
|
| 10/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received a letter from M & T Bank, it was like a statement that stated an action as items returned. The amount was {$540.00}. The date this letter was issued is XXXX. I would have remembered doing or returning something in that amount, so I called M & T Bank to inquire. They told me it was identity theft and they caught it and made a note in their system that this was in fact not me! So now Im wondering if my information is all over the place. This bank did a great job in detecting it was fraudulent and sending me the letter. So I have no issue with the bank.
|
| 11/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
XX/XX/XXXX XXXX M & T Bank - email correspondence XX/XX/XXXX - XXXX XXXX XXXX XXXX - email correspondence XX/XX/XXXX - XXXX XXXX XXXX - called XX/XX/XXXX - XXXX XXXX - email correspondence XX/XX/XXXX - XXXX XXXX - phone and email correspondence XX/XX/XXXX. - XXXX XXXX - email correspondence Checking accounts with debit cards have been opened in my name at all of these institutions. I have been in contact with them all by email and phone to report fraud and all of the accounts have been closed. I was referred to my police department but they are unable to help.
|
| 02/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My account was blocked twice after depositing due to verifying my transactions. After Ive verified I was told I would have to wait 10 business days for my account to be unblocked. Again soon as I did deposit a few weeks after my account was blocked I didnt get any reason of why it was, I was told we have no information or nothing on why its blocked you just have to wait. Everytime I do a deposit wether its a check cash, Mobile banking I get blocked for 10 business day which is not right. I requested to close my account and I was told they cant close my account
|
| 06/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
The Bank M & T has cheated me out of a {$250.00} bonus offer as advertised on line. I opened a checking account and setup a direct deposit as required. The balance in the account is now over {$6000.00}! When I inquired as to when the bonus would be paid was told I am not eligible. Now they are telling me the wrong account was opened. I applied for the bank 's EZ Choice checking account.
The bank opened a Classic Checking Account with interest account.
Now, they tell me the bonus offer WILL NOT be paid. Instead, they paid me an interest payment of just {$0.00}!
|
| 04/19/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
I was forced into making a payment arrangement with M & T Bank when they knew my situation and they made it worse by returning my XXXX payment and making me enter into an agreement that they know I can't meet because I'm on a fixed income and I'm paid on the XX/XX/XXXX of every month. The arrangement they forced me into is a payment of {$490.00} on the XX/XX/XXXX of the month. I get paid on the XX/XX/XXXX of the month, how can I make payments on the XX/XX/XXXX? The original contract is for {$400.00} monthly. I should receive my lump sum check by XXXX or XXXX.
|
| 09/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was approved for a loan modification through M & T Bank last year. After making the XXXX XXXX trial payments, I have been sending the modified mortgage payment to M & T Bank as agreed. However, M & T Bank has reported my account as delinquent to credit bureaus showing I have not made any payment since XXXX 2014. At the moment, my credit report shows I have n't paid my mortgage for XXXX months. This is not true, since they have been cashing the money I send them every month. My credit score has dropped dramatically since M & T reported the wrong information.
|
| 04/04/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
In property I was living in XXXX on my shoulder to live in a property I was in the process of selling the property but it didn't go through so I did another modification and when I did the monocotation and I wanted my daughter to live in a property I found she didn't had the money to pay the rent and did help to get the rent so she was out and left me in this situation so now I'm back in XXXX trying to get this house back together currently right now and the property with my youngest daughter my XXXX grandsons I don't look through to get help anyway I can't
|
| 03/10/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced the loan # XXXX M & T bank on XX/XX/XXXX. I was due an escrow refund in the amount of {$2300.00}. It was never received. The financial institution continues to give me different information each time I call. They are claiming each time i call to put in a request for the refund it is 30 business days before they will process it. I called on XX/XX/XXXX and they assured me the check had been cut and verified the mailing address. Today XX/XX/XXXX they claimed that the address was not updated and XX/XX/XXXX makes the 30 days from request. I need help
|
| 11/18/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was through a some financial difficulties back in the beginning of the year ( layoff ). I was late on some of my monthly payments. I requested a payment plan to my mortgage company which they did and I started paying it off. By the time I sent out my last payment, I was told it was a mistake on the calculation and they needed to get another XXXX and with that I would be up to date including any late fees. I just got off the phone and they said I still owe over XXXX hundred dollars of late charges. Can they keep charging late fees on calculations they made?
|
| 01/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have had a checking account with M & T Bank since XX/XX/XXXX. In XX/XX/XXXX I declined " overdraft protection '' and requested that any debit that would cause my account to overdraft be declined. This was on file since XX/XX/XXXX. Despite this, I have received numerous overdraft fees since XX/XX/XXXX. The dates are listed below. For every overdraft, I have been charged XXXX, often triggering a second overdraft. The bank has refused to refund many of these.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
|
| 04/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I have a loan which I took out & have automatic payments set up. I went on a XXXX & when I went on a XXXX I had a payment that did not go through, which led to my payments being late every month after that. When I came back I called to see what I can do to take care of this issue & all they could say is that I could pay it off. They could n't change the fact that my credit score has gone down since I was not informed about the payment not going through. Now I am struggling with opening a new account, getting a loan, & other financial issues because of this.
|
| 11/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XXXX/XXXX/XXXX I attempted to use an M & T bank branch ATM. I tried to withdraw XXXX $ from my checking acct with a balance of XXXX XXXX The ATM took a long time, deducted the XXXX $ from my acct and never disbursed it. The receipt showed the money dispensed but never did and the monies were deducted from my acct. I have had two phone conversations with m & t bank since and they tell me it will require a lengthy investigation that I can not wait for as I have pressing financial issues and live paycheck to paycheck. Essentially they stole XXXX $ from me.
|
| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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1. In accordance with the fair credit reporting act XXXX 2. M & T banks, 3. XXXX XXXX 4. XXXX XXXX XXXX, 5. XXXX, 6. XXXX XXXX, 7. XXXXXXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXXXXXX XXXX, 10. has violated my rights.
2. 15 usc 1681 section 602 states I have the right to privacy.
3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.
4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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| 07/22/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX/2021 I transferred money from my M & T Bank checking account to my XXXX M & T Bank account for the amount of {$400.00} using XXXX. My daughter did receive the {$400.00}. Along with a woman named XXXX XXXX for the amount of {$740.00} {$740.00}. {$240.00}. {$740.00}. {$740.00}. {$740.00} all paid to the above mentioned person. Her phone number is XXXX XXXX XXXX {$1000.00} for merchandise that I did not purchase.
I have received nothing but the runaround from my bank and anybody else I talk to about this. I thought my money was safe in M & T Bank
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| 11/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX XXXX, XXXX I cancelled this loan transaction under the Truth In Lending Act. M & T Bank and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County, New Mexico and I can provide supportive documents upon request.
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| 11/08/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
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Web |
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I recently opened an account with M & T bank, and I was excited to join their family, but I recently called to get help with fraud transactions of almost {$500.00}. My debit card got stolen and my cell phone at work. They must of got my pin from when I took out cash at an atm and saw what I punched in on the keypad. Its sad when you ca n't even trust your co workers, and at that your bank to help you with this and get all this money back. They treated me nasty over the phone, and gave me no help M & T bank. Horrible customer service so far! Please help.
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| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given my attempt to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : M & T BANK XXXX Late Dates XXXX
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| 06/10/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
My wife lost job due to Covid mortgage company asked if we wanted to do a forbearance did forbearance for 10 months trying to get back into regular loan status mortgage company does not offer a deferment for VA loans only conventional loans told me that the VA was the one that wasnt allowing it when I contacted my VA rep they said they do allow it even had conference call with mortgage company still denied offering deferment for VA loans and Veterans forcing me to refinance at either 30 or 15 here and have to repay all interest I paid off on the loan
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| 04/08/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
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Web |
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I realized my CD was automatically renewed at 0.05 % and called to have the money withdrawn, account closed and I would pay the fees for the closure I was told that I could not do any of this by phone or online and would need to make a personal visit.
the nearest bank is over 30 minute drive for me and I am not able to make a personal visit at this time and feel they are holding my money and limiting my access unnecessarily finally they offered to let me fax a request- if its notiarized and I suspect of the the entire process and bank at this point
|
| 08/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
M & T Bank did not notify me in writing of a delinquent mortgage or called which I was co-owner of. This end up on my credit report and I learned this by checking my credit scores.The original owner was my ex-wife which I was devorce for over 20 years. Now deceased.
My question is, can I get this delinquency removed. from my account because they did not notify me. I assumed the mortgage and paid the outstanding payments and penalties. But my score went from XXXX to low XXXX.
I called them 3 months ago after finding this on my free credit report.
|
| 09/20/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American |
|
Applied for a pre-approval on home mortgage. Submitted the necessary documents to the mortgage consultant of M & T Bank in XXXX DE approximately XX/XX/XXXX. I received numerous phone calls which I deemed condescending and derogatory. Follow ups and clarifications were addressed however I never received any correspondence stating my pre approval was awarded or denied. I received via USPS one letter dated XX/XX/XXXX thanking me for applying for credit at the bank and how my credit score will be used. Nothing else was sent nor did I receive any calls.
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| 02/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
M & T Bank 's role as a mortgage servicer was terminated effective XX/XX/2017, when I mailed CMRRR a Notice of Rescission rescinding the mortgage on that date the mortgage was not in default and no payments were due.
After receipt of my Notice of Rescission on XX/XX/2017, M & T Bank has been operating as a debt collector by attempting to collect the rescinded mortgage as if it was in default when it is not in default and in making false representations of the character, amount, or legal status of the rescinded mortgage in violation of the FDCPA.
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| 02/20/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Mortgage was taking out in XXXX with XXXX. Due to divorce and declared bankruptcy. I have been trying to work with XXXX since XXXX to have my mortgage modified. I also made payments and applied for modifications. After being denied modification I stopped making payments on the loan.
Currently I am not sure who owns the loan or services. As I have never gotten a formal letter notifying me. I receive a bill from M & T and Service request from XXXX XXXX Servicing on mortgage refinancing.
I also searched my loan and noticed XXXX XXXX may own my loan.
|
| 12/24/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
On the evening of XX/XX/2023, at XXXXXXXX XXXX, I was notified via email that a bank account had been opened in my name at M & T Bank. I did not initiate the opening of this account. The email was sent from XXXX. In response, even thought it appears to be a genuine account, I forwarded the email to M & T 's designated email address for reporting phishing attempts and took no further action. My suspicion is that the bank may have done this as part of a public relations campaign in hopes that many people would overlook it and keep the accounts open.
|
| 11/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I called m & t bank 2 days before the fraud took place which means by federal law us code 1693g i am liable for only up to XXXX $ they denied my claim and gave me NO reason. They said there wasn't much details. they didn't provide the info they had to by federal law again us code 1693g a Photo ID, fingerprint, or signature proving it was me who made the transaction someone stole XXXX $ using my card at an atm And no I did not have my card when this took place and notified them 1 day after the fraud took place. I need my money back this is corrupt.
|
| 04/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I had an unauthorized electronic charge of {$16.00} in my M & T bank 's checking account from an unknown XXXX account on XX/XX/2022. The charge was not from my XXXX account. I never shared this bank account info to any vendor. The bank gave me a provisional credit. And I've also reported the issue to XXXX for investigation.
However, how could this have happened!!!!
Even if someone mistyped the bank account info in XXXX, the bank should have noticed that the name was different and prevented electronic transfer from happening in the first place.
|
| 10/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
https : XXXX ( as reference ) Unfair and abusive Acts - why is there a fee to cash a check on an account from the financial institution that holds the account?
I was given a check drawn on M & T bank account for {$800.00} I went to M & T to cash it and since i was not a M & T customer they wanted to charge me 2 % of the value {$16.00}!!!
This is a check drawn on a M & T Account.
This appears to be common but is abusive and should be prevented. The account holder has contracted M & T to provide that service, why is the beneficiary being charged?
|
| 03/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
I purchased a Ford XXXX Ranger in XXXX XXXX, for {$19000.00}, excluding sales tax. It was financed through M & T bank for 72 months, at 5.54 %. The payout is approximately {$22000.00}. Owing to medical issues ( XXXX XXXX XXXX XXXX ), I now have some difficulty driving a pickup, and my wife of 30 years passed XX/XX/XXXX. I subsequently returned the vehicle to the original dealer for resale ; however, the best offer they can garner is {$15000.00}, leaving about a {$7000.00} difference. I can make up some of this difference, but not the whole amount.
|
| 01/28/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2020, M & T Bank accepted a completed form to request automated payments to the HELOC. They have never initiated the automatic payment service and they continue to send bills that are incorrect and show additional money due. M & T is also charging late fees for the amount that they claim has not been paid. In the mean time the correct payments are being made each month. The minimum monthly payment is about XXXX, the fees are XXXX per month, payments of XXXX per month are being made but the bank still claims the payments are not adequate.
|
| 09/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
IF YOU NEED THE PROOF, I HAVE ALL THE COMPLETED DOCUMENTS TO CONFIRM MY CASE ....
I WANT THIS FIXED PROPERLY & I KNOW WITHOUT YOUR HELP THE BIG BANK WILL NOT TREAT THE CONSUMER FAIRLY ... .THAT IS WHY I 'M CONTACTING YOU.
IM SURE THAT I 'M NOT THE ONLY PERSON THEY ARE BREAKING THE LAW WITH THIS SITUATION IF THEY FEEL THIS COMFORTABLE DOING IT TO ME.
I HAVE TRIED AND THEY CONTINUE TO DO THE SAME THING OVER & OVER & OVER AGAIN ... .THIS LOAN IS ALMOST 11 YEARS OLD .... XXXX 2007 THEY ARE BREAKING THE LAW, IF IT WAS ME I WOULD BE IN JAIL ... ..
|
| 09/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened an account with M & T bank. The account has been active and in good standing. M & T has placed a freeze/hold on my account claiming they need to validate my identity by visiting a branch. They don't have any branches near me and refuse to resolve the matter any other way.
At this point they do not allow me access to my funds and refuse to close the account. They're blocking any transactions to my account as well. The account was originally opened online and they never requested me to visit a branch during the account opening process.
|
| 07/09/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XXXX 2014 I sent the consumer financial protection bureau a complaintconcerning our current mortgage with M & T Bank. In XXXX of 2014 I received aletter through CFPB and a hard copy from M & T Bank that they conceded faultand returned all funds and would fix all past due credit record amounts. We didreceive all past due funds but M & T Bank has not corrected any of the past dueamounts on our credit record which has damaged my and my wife 's creditscore.
Attached is a copy of the original complaint and a copy of the response from M & t Bank
|
| 01/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
Hi my name social XXXX XXXX With complain is from m & t bank I have 80 years hold I have loan for a truck This bank I have late fees this bank take reposition my car when my Daugher call This bank sai XXXX Ok I ready for pay she is call back this bank nexday.total XXXX Is more XXXX my daughter XXXX please can you explain what more XXXX XXXX I not can give more informacin I have audio, I need Gelp I one person hold what happened Need explication they bank only renspond you pay all total XXXX or pick you have any pertenency personal on you car
|
| 02/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Account opened early XXXX. My boyfriend put some of his paycheck into my account to save time from having to transfer it over to me. Bank froze my accounts and asked to go to a branch. I provided the requested identification documents, but the nearest branch is XXXX miles away. Bank has not responded since and when I called in, they stated the account was closed. I am unable to log into the account and have no idea where the funds are ( XXXX ) dollars.
I want a check for the balance in my accounts and thats it, accounts can remain closed.
|
| 04/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
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.
|
| 06/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My M & T Bank account was fraudulently charged through XXXX XXXX for {$960.00} on XX/XX/2020. I noticed it right away and called and reported the fraudulent charge to XXXX XXXX and my M & TBank. I had my debit card shut off and a new one sent to me. I started a claim with my bank and it was later denied. I appealed the denial at my local bank branch and that was also later denied. The Bank stated that the merchant provided proof of purchase but I in fact never made this purchase nor have I received any evidence of the proof of purchase.
|
| 01/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
M & T Bank has been freezing my account for the past XXXX weeks. I've spoken to several of their associates and every time everything stays the same. In order for me to use my XXXX XXXX to make a purchase, the bank has to approve it first. I have done everything they want me to do including, the opening of on-line banking ( which I did not want ) and a back to back fraud alert. Still, I can't use my debit card. I never had any issues with either The People 's Bank or M & T in concerns with fraud. Right now, I'm beside myself. Thank you
|
| 09/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I had a transaction for a payment company XXXX XXXX XXXX for the amount {$50.00} dollar that came out of my checking account without having the funds available XX/XX/2019 and M & T bank keep charging me and my overdraft fee {$38.00} dollars the next day and I did not know that I was going to have the payment collected from my account and was not expecting this to happen and the same date this transaction occurred I move {$70.00} dollars to my other account. And I never had the funds available. And M & T does not want to be wave the fee
|
| 04/02/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Today on XX/XX/2023 I received a text message from XXXX that said the following, word for word, incorrect capitalization included : " MTB : Your request to close your account will be processed in 24 hours. if this was not you, Kindly REVALIDATE HERE XXXX '' After some googling, it appeared they were referencing an account with M & T Bank. I do not have an account there, but I called their customer service to be certain, and I don't. The XXXX XXXX redirects to a very suspect different address and login page. Just wanted to report this.
|
| 01/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was denied a home loan modification and given the run around with missing or incomplete paperwork then told to submit the missing or incomplete paperwork then told it was out of date and start over very shady and deceptive business practices which led to me losing my home of 10 years every time I applied for a modification the bank would deny it and then transfer my mortgage to a new servicer ( bank ) so many banks screwed me and last time I checked federal law states if Im injured in that way I am entitled to triple the loan amount
|
| 08/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am a small business owner who qualified for the sba eidl loan. I received the loan last year with no problem in my personal account but I recently received the grant money and now there is a freeze on my account. I have submitted all the proper paperwork but my account is still frozen. This is the account that I get direct deposits from my job and pay bills out of. I don't understand why it's still frozen if I have completed all the necessary channels to provide proof that I qualify for the money. Plus it's grant money not the loan!
|
| 03/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
When I opened my account with M & T bank, I did so online. I opened an account with them after receiving a mailer stating that customers would receive a {$250.00} bonus 90 days after opening an account as long as they had a direct deposit linked to the account. I applied for my account online using the special code " QC '' or " QD '' can't remember which. I even entered the code in the promo code box. My direct deposit started on XX/XX/XXXX and the account was opened XX/XX/XXXX. As of this date, I have not received my {$250.00} bonus.
|
| 03/17/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
M & T Bank and XXXX Bank NA did a fraudulent foreclosure on my homestead home. I 'm the person who is name is on the note & mortgage that these XXXX Banks presented to the court. My original complaint was to XXXX, case # XXXX, but XXXX 's response is that they had transfer the loan to M & T bank, but the only name on the plaintiff is XXXX. These XXXX banks have put a cloud over my deed and foreclose on my with out bringing me in the case, this is fraud. Because a bad loan modification that XXXX did & denied in court that it happened.
|
| 08/26/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Dear Sir or Madam, Yesterday, on my 'line of credit ' due, it was {$450.00} -- today it is {$490.00}. I didn't use my line of credit at all. These are the bank fees -- XXXX dollars in a day 's time? What is going on? I am being scammed by M & T Bank, in XXXX, CT.
Also, when I signed up for the Line of Credit, I was never told the fees. I knew there would be fees, but to this extent? I live on SSI and this is my bank. They want my money. Help! I don't want this to happen to any other unsuspecting person!!
Thank you, XXXX XXXX XXXX
|
| 11/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
On XX/XX/2019, opened sole proprietorship business account. On XX/XX/2019, called to close account as I will be moving to a state that does not have M & T Bank branch locations. Upon attempting to close, representative first advised {$50.00} fee for early closure. Upon asking the terms, representative could not confirm if this was for closure within 6 months or 180 days ( both of which did not apply in my case ). After being placed on considerable hold, representative advised that any account closure was subject to fee of {$50.00}.
|
| 03/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My Debit card was stolen on XX/XX/XXXX. The bank was notified about the charges and created a provisional credit for the unauthorized charges and later and reversed them on XX/XX/XXXX. The bank requested that I make a police report in person at XXXX XXXX Police on XX/XX/XXXX. The report was presented to a bank representative at XXXX XXXX XXXX XXXX XXXX XXXX. The entire correspondence package was sent to their Fraud Division with no communication or update.
The M & T Bank has video of the unauthorized person using the debit card.
|
| 03/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Hello I opened a bank account and was waiting for my debit card to arrive by a mail from M & T bank but I never received it and there has been 8 unauthorized transactions each for {$1000.00} form XX/XX/23 to XX/XX/23 it says atm withdrawal and i was denied of dispute because they think that I had the debit card in my possession while this transaction were made, I visited a branch to dispute the transactions but was denied, can you please help me resolve this issue thanks. And they are closing my account before solving the issue.
|
| 06/05/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have had this loan with M & T Bank since XX/XX/XXXX, As of XX/XX/XXXX, they call me every month between the XXXX and the XXXX of the month even though I have NEVER missed a payment and NEVER have been late. I pay my bill with them directly through their website on the XXXX, plus I receive a paper bill every month. I spoke to my mortgage broker who advised me that the next time I call to mention the CFPB, which I did and the representative stated that they didn't have to abide by the CFPB and that they wold continue to call me.
|
| 12/30/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
My mother XXXX XXXX passed away on XX/XX/2022 and I tried to report that the account needed to be closed and I got the rudest lady XXXX on the other end!! I did not appreciate how I was treated especially after just loosing my mother!! I would like to see something done about how the employees of the M and T bank on XXXX XXXX in XXXX Vermont treat their customers and the families of deceased customers!! Please feel free to call me anytime for further questions at XXXX thank you for your time hope to be hearing from someone soon
|
| 02/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We recently bought a house. closed on XXXX XXXX. Our mortgage is serviced through M & T bank. Our first tax bill was taken care of by the title company who collected that money at closing. Our bank paid the tax bill as well resulting in our escrow being negative balance. We callled immediately telling them what happened and that they need to get a refund from town. A week later they received the refund, but are still telling us that we owe them the money for the negative escrow. we are NOT paying this. it is completely unfair.
|
| 09/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This has been an ongoing problem for months. Just XXXX alone it happened 5 times ( XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ). I am unable to use XXXX which M & T bank themselves encourages rather than traditional transfers without my transaction being flagged and blocked by their security. I call them everytime and they end up having to override it. On XX/XX/XXXX I was told they are unable to override it. I informed them that I am closing my accounts with them. I do not work XXXX XXXX XXXX so they can hold my money hostage.
|
| 10/28/2019 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 10/12/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
On XXXX/XXXX/2016 I accidently sent a payment to M & T Bank to a closed loan ( XXXX ) from XXXX. This was my mistake. I called M & T Customer Service multiple times and was told it would be returned to XXXX XXXX Bank. It never was returned. On XXXX/XXXX/2016, I called M & T again and was told sorry the money was still at M & T. To speed things up they could put in a checking account at M & T within 48 hours. As of XXXX/XXXX/2016 I still do not have my money back, and they now refuse to tell me when I will have my money back.
|
| 03/10/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Traditional IRA account opened with predecessor bank, XXXX, for a 60 month CD that matured XX/XX/XXXX. Upon maturity of the CD I requested that the proceeds be transferred to a new IRA Custodian. M & T Bank applied a {$75.00} " XXXX '' and deducted this amount from the transfer ( took the money out of my IRA account ). I was never told of this fee, I was never asked if I wanted to pay the fee separately rather than have it deducted from savings, and the original IRA agreement with XXXX made no mention of this egregious fee.
|
| 02/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
On XXXX XXXX I opened a checking account at M & T Bank. This account was supposed to include a {$200.00} bonus at the end of 90 days with direct deposit. After XXXX emails and a phone call I was sent an email on XXXX that I would be receiving {$200.00} in my account on or before XXXX. I never received the bonus so I sent another email. On XXXX, XXXX, I received anther email that they were looking into the matter. They are clearly stalling and I suspect fraud. I am sick of this back and forth stall. I want this settled now.
|
| 11/10/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I would love to remind my mortgage payment because Im exiting my heart I dont have a job I lost my vehicle on yours and mine jump also because I need love XXXX tomorrow again is that Friday cans that walk where are you going to call for the mortgage did you want to listen to XXXX did forget opinion because I dont have any money from my wallet right now mine boiler is not working in my bathroom is not working phases of my wallet forget you dont want to listen to XXXX XXXX I said I want to do it its in my first time please
|
| 10/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I was looking for a place to live in XXXX, MA for a month and found a place to sublet on XXXX. They had me fill out a rental application, which was accepted, then a lease. I had to transfer money ( {$2500.00} ) to their account then my reservation was confirmed. The subleaser 's name was XXXX XXXX ( XXXX ) and his landlord XXXX XXXX. When I arrived at the apartment the place did exist ( XXXX XXXX XXXX, XXXX, MA XXXX ), but a different person lived there/owned the apartment and it was not being rented. It was all a scam.
|
| 08/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
These thieving criminals, in response to our legitimate complaints against their bad business practices, have instead decided to abruptly, and without warning, close our checking and savings accounts, and to add insult to injury, decided to confiscate {$20000.00} of our money which is actually XXXX XXXX federal loan money and illegal to confiscate.
Please urgently investigate and advise, and above all, not only release our XXXX money in total, but keep the bank account open and punish those responsible for this theft.
|
| 04/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I recently received a bank card from MT bank, which I have never heard of. I did call the bank and they did warn me that someone opened an account with them and they arready blocked it anyway. They had my social security, of course my name and Address. The card came to me home address. The bank did tell me to let the Credit bureau know that my identity as been stolen. Therefore I m letting you know that someone has my SS # and they are trying all sort of things please put a stop to it as soon as possible.
Thank you
|
| 02/22/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
We received 4 demand letters dated XX/XX/2022 stating we may be at risk of foreclosure because we were 37 days past due. The payment furthest past due was paid on XX/XX/2022. I called the company as I am familiar with mortgage collections and know you can not be at risk of foreclosure until youre 60 days past due. I was told that I should not have received a demand letter and they dont know why it happened and could offer nothing other than an apology and they submitted a complaint that I may or may not hear back on.
|
| 03/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In 2018, I opened an account with M & T bank responding to its marketing promotion. Then, M & T bank refused to honor its promotion. Having failed to persuade M & T bank, I filed complaint with Consumer Protection Bureau. Then, M & T bank paid the promotion to me and closed the account per my request. ( around XXXX or XX/XX/ 2018 ) Last week, I was surprised to receive a debt collection notice which M & T alleged that I own it {$74.00}. This is really M & T Bank 's malicious act. I never owed any money to M & T bank.
|
| 03/02/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
To whom this may concern, As a result of the damages inflicted by the last hurricane that hit Florida, My employment was affected.
Consequently I was forced to leave Florida to seek employment.
Explaining this to a member of the forbearance department with M & T BANK I was given until XX/XX/XXXX to make payments totaling {$8300.00} on XX/XX/XXXX I was able to make a payment of $ XXXX.I am a single mother putting a child through college at the moment. Simply put, I can not afford to make that payment at the moment.
|
| 06/30/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have VA loan from M & T Bank. I refinanced it about a year ago. M & T bank held the mortgage for several years before I refinanced with them.The mortgage payments are current.Today I received a letter from my county. It is a NOTICE OF INTENT TO LEVY because they say I owe {$830.00} from XX/XX/XXXX for property taxes. This is the XXXX I 've heard of this.
I 've been in this house over XXXX years and taxes and insurance have always been escrow-ed for VA loans. I must pay by XX/XX/XXXX or the property will be levied.
|
| 10/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There are a bunch of in active accounts on my credit report from this year and last year. i have filed numerous reports with the FTC in regard to this matter. i am also getting harassed by numerous debt collector in regard to these debts. I do not know any of the technical terms for the debts that are trying to be collected. i ask that the following accounts be removed from my credit reports XXXX Hard Inquires XXXX- XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX M & T Bank-XXXX M & T BankXXXX XXXX XXXX
|
| 07/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Only XXXX XXXX I received two debit cards in my name to my home address which I didnt open myself. I went to the bank and see and it turned out to be a result of someone taking my SSN, address, birthday, and all other personal information. I filed a police report XX/XX/2022 and also submitted an Identity Theft Victims Complaint to the company. The company has since closed both of those accounts but I received a notification today on my security apart app that they were seeking more information about me today online.
|
| 11/09/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
M & T Bank has been originating mortgages without a license and is targeting XXXX and XXXX owned mortgages for foreclosure all while denying them loans at a rate inconsistent with their share of the population. Claim for state of Vermont, currently. Can provide proof of violations in all 50 states. This complaint makes me fill out a mortgage address. While this address fell victim to foreclosure by predatory lenders, M & T Bank was not the lender. This complaint is a general consumer complaint, separate but related.
|
| 08/26/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have mortgage from M & T Bank XXXX XXXX XXXX Tx XXXX XXXX My Name is XXXX XXXX Loan number XXXX ( and my property at XXXX XXXX XXXX XXXX, IL XXXX The escrow account is not correct and they want me to pay $ XXXXas a shortage and they paid the insurance from my escrow account.
This is not a small amount of money I should pay.
The difference between the costs of the insurance company around {$250.00} increased and the difference between two years tax around {$400.00} so it should be around {$650.00} not {$1400.00}
|
| 07/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Recently completed a loan modification with M & T bank. I was made to believe that the modification was for total amount owed on the loan. The deed of trust i signed had no mention of a subordinate 2nd loan which throughout they had failed to disclose. In recent communication M & T bank stated they do not have to disclose to the customer the total debt. So me as a borrower was not informed therefore unable to make a informed decision about the modification and subsequent balloon payment at the end of the loan term.
|
| 12/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
I received an email this morning stating I have a new checking account through M & T bank. It is an M & T EZ Choice Checking account ending in XXXX. This was not opened by me. I have called M & T and they shut the account down immediately. They will be sending me information on how to protect my identity since it was compromised. I have also reached out to XXXX and froze my credit report. There are checks on the way that I will not be charged for as well as debit card that I am to destroy as soon as I receive it.
|
| 09/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. XXXX responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.
|
| 06/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Trying to connect my bank to app called active hour they are having issue with verifying account using a third party vendor. We do not have a connection with your bank because the third party bank provider is not seeing able any recent direct deposits, but not because we need a screenshot. Your account was looked at by our team and we were able to see that the issue was the third party provider. There is nothing you and we can do at this point besides wait for our third party provider to fix the issue. : - (
|
| 12/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
The United States Bankruptcy Court in XXXX XXXX County granted a discharged under chapter XXXX, on my behalf the debtor XXXX XXXX on the XXXX/XXXX/2015. The case no. XXXX. There was no lien on my property, no contact to me by mail, phone, or otherwise to file or continue lawsuit to attach wages or to take any action to collect a discharged debt from the debtor -- -A creditor who violates this order can be required to pay damage and attorney 's fee to the debtor. M & T Bank and XXXX have violate that court order.
|
| 12/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I do signed for a car loan and we know that being I co signed I am responsible also but my complaint is that I did not give the bank any authority to take money out of my savings account and they did so without any notification at all I have left m&t bank which I have been with for 30 years and I am very upset. Have paid off multiple loans through this bank and have never had them or anybody take my money without any notification. I am very upset and hurt with all this as I have been a customer for 30 years.
|
| 11/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
When I purchased the XXXX XXXX XXXX, I was told that the financial organization, ( M & T bank of XXXX, Ohio ), would allow me to make larger payments than what is required to offset the huge interest rate applied to the loan. When I sent in a payment of {$240.00} and {$1000.00} toward the principal they did not apply it as directed they moved the next payment due until XXXX XX/XX/2023. This besides the fact that the interest rates are out of this world I think their business practices need to be investigated.
|
| 03/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
I voluntarily closed this account effective XX/XX/XXXX, when the loan was not in default, there was no loan delinquency, and no payments were due. M T Bank received my Notice of Rescission on XX/XX/XXXX, and has failed to report to the reporting agencies my voluntary closure of the account. M & T Bank is in violation of Section 623 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 4 ), 1681s-2 ( a ) ( 2 ) Duty to provide notice of closed accounts and Duty to correct and update information.
|
| 01/29/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
I have never missed a payment beyond 30 days. However, M & T calls me when my mortgage is not late, after the XXXX of the month. Also, if I am late for that month payment, ( not over 30 days ) I pay the late fee of {$12.00}.
I had explained to them that I have been out of work for over 2 years. Because of my finanical situation I need to split my payments during the month. Half at the beginning of the month and other half later in the month.
I have told them this but I still receive hassling phone calls.
|
| 11/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
On XX/XX/2022, my primary checking account was frozen because of suspected fraud. I tried reaching out the the company, who has an advertised and listed XXXX fraud department. I spent over XXXX hours waiting for someone to answer the call in the fraud department. I then called the account services department and asked to speak to a supervisor, and was then told that the fraud department does not have a supervisor. Due to this companies inability to manage a fraud department I am now stranded away from home.
|
| 03/30/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I renegotiated a mortgage wth M & T Bank during a bankruptcy proceeding.I have made prompt payments for over two and a half years on the new loan. The Bank refuses to send any information to the credit reporting bureaus depriving me of any credit rating. The bank during this time tried to collect illegal fees of over {$6000.00} that I had to hire an Attorney to get them to rescind. They now want a recommitment agreement which would put that fee back in play in order for them to report to the credit bureaus.
|
| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of M & T BANK XXXX Open Date XX/XX/XXXX Balance : {$0.00} I believe it was reporting in error.
|
| 05/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I HAVE BEEN REQUESTING FOR OVER A YEAR VIA MAIL, PHONE, AND EMAIL FOR MY TITLE TO BE SENT TO XXXX DMV SINCE WE NO LONGER LIVE IN XXXX XXXX WHERE OUR CAMPER WAS ORIGINALLY PURCHASED. THE ONLY THING THEY HAVE SENT TO THE DMV IS TITLE INFORMATION AND NOT THE TITLE SO WE HAVE BEEN UNABLE TO TRANSFER OUR TITLE TO THE STATE WE LIVE IN WHICH IS XXXX. THEY ARE SAYING THEY CAN'T SEND THE TITLE TO XXXX DMV UNTIL IT IS PAID OFF WHICH MAKES ZERO SENSE. WE SHOULD NOT HAVE A XXXX XXXX TITLE IF WE NO LONGER LIVE THERE.
|
| 12/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
For the last 9 months I have not been called by anyone from M & T bank. They reported a repossession on my credit even though the account shows as current in their system. I never missed a payment. XXXX XXXX and XXXX XXXX do not return calls and they do not give emails. My credit report has shown an incorrect repossession for more than 5 months. This is the worst customer service I ever witnessed in my entire life. Seems like the bank is participating in a conspiracy to intentionally destroy peoples lives.
|
| 04/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX, I made two payments that equaled the amount of my car note. On XXXX, the bank illegally withdrew another payment. I NEVER authorized in writing for this bank to automatically withdraw monies from my account. When I got in touch with the bank, they said it could take 10-14 days to replace the monies. I told them " unacceptable '' because they overdrew my account, couldn't pay my car insurance and other bills. I need them to make me whole and pay my car note for XX/XX/2022 ... a show of good faith.
|
| 12/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
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.
|
| 05/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
My account was delinquent through no fault of my own. My credit card account was setup for automatic/reoccurring payments but my final transaction was not processed as such. My account balance before, during and after the non payment provides more than enough evidence to support the fact that I had the wherewithal to make the payment. This issue has and continues affected my ability to purchase a home.
Made full payment on XX/XX/2020 ( Same day, I received the notification on my credit reporting app )
|
| 06/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
on XX/XX/23 i remotely deposited a check for XXXX which immediately cleared my secondary account. M & T then froze my account with no explanation. Refused to clear it even after i verified all info. Refused to let me speak with fraud dept who froze my account. They kept telling me somebody would call but never did. I was out of State at my sisters funeral and they tied up all my funds for no reason. Now i just want to close my account and get the XXXX away from them and they refuse to release my funds
|
| 12/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
As a result of Covid19, my tenant was late paying her rent payment. Which in turn made me late paying my mortgage on my primary residence. I alternate which I pay first. I contacted Ma & T bank, they advised they were not going to remove the late payment because it was one month prior to the Government relief protection. I have not ever been late in my 5 years of home ownership. I asked for a courtesy, the supervisor told me no directly. Please assist, as my score decreased over 75 points as a result.
|
| 07/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My home was foreclosed on XX/XX/XXXX by M & T Bank. I had a " Get Started Loan '' with them I found information that they have a law suit against them with this same kind of loan and during the time my home was in foreclosure the lawyers that was handling case also had a law suit against them and I was not notified of this information, only that they changed there name, XXXX XXXX XXXX now The XXXX XXXX XXXX. I am asking for my loan to be looked into from XX/XX/XXXX to XX/XX/XXXX.
Thank you, XXXX XXXX
|
| 12/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am a consumer who reported my account has suspicious activity after visiting a XXXX online store. A day later they told me i was receiving a new card. Now a day later they are telling me my funds are blocked and that i am unable to receive my funds on my other accounts that had no correlation to the unauthorizrd charge. Also the bank manager at m and t in XXXX is giving me little to no information. I all very concerned about my money and the disspersemenr process and know one is telling me nothing
|
| 08/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
M & T Bank XXXX XXXX XXXX has purchased Peoples United Bank and will be converting over the United Bank checking accounts over the XXXX XXXX Weekend. As part off the conversion, there will no longer be access to the checks processed by United Bank prior to the conversion By access it is defined as to the check image both front and back sent by the checking account owner to the payable party. The hard copy statement does not provide the detail needed in resolving any inquiry or resolving a complaint.
|
| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I got letters in the mail from M & T bank about an account opening on XXXX and then got another letter from XXXX XXXX stating I opened and account with them on XXXX.
I did call both and have them both close the accounts and was told to come here and report that. I also got a letter stating that I ( AKA someone else ) put in a request for unemployment with the current work place I'm at, I sadly couldn't get ahold of anyone to inform them that it was not me. I haven't given any information to anyone.
|
| 10/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Lenders do not use the standard Loan Estimate form. Lenders give customers a very hard time when the standard Loan estimate form is requested. In some instances, lenders refuse to provide the form.
I believe the use of a form that deviates from the standard document is intentional and a way to confuse customers and make it harder for us to comparison shop.
I was not aware that the standard form existed, or that it was a requirement that they provide it until 1 of the 3 lenders I spoke with told me.
|
| 01/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I am attempting to close my checking account with M & T Bank. On XX/XX/2020 I spoke with a representative from the bank on the phone who told me they could not close my account. I needed to write a hand-written letter to a specific branch, but they could not tell me what branch that needed to be.
The account charges me {$14.00} each month which I no longer wish to pay and I simply want it closed and the charges to stop. They claim that due to the outstanding balance of {$6.00} it can not be closed.
|
| 09/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I was a Peoples United Bank customer whose account was transitioned to M & T Bank. On XXXX Peoples United processed two fund transfers ( Bank to Bank ) - one for {$750.00} and another for {$370.00}. These funds still have not been deposited to my Credit Union bank account. Also on XXXX there was another bank to bank transfer initiated from my Credit Union to M & T Bank in the amount of {$750.00}. These funds were withdrawn from my account and not deposited. I can not access {$1800.00} of my money.
|
| 06/06/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
|
I had an account wi th M & T Bank which included a credit card that I never used. I went to my bank on XXXX XXXX , XXXX , PA XXXX and closed my account approximately 3 months ago. I was assured that it was closed with no balances due and the teller even offered to cut up my card, which she did. I have now received a call from a debt collector indicating a past due amount on the credit card. I also noticed that m y credit score recen tly took a dip and now suspect it was due to their action.
|
| 06/05/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
After closing on XX/XX/2020 mortgage was recently transferred from XXXX XXXX XXXX XXXX ( Loan Number XXXX ) to M & T Bank ( Loan Number XXXX ). M & T Bank is claiming they did not receive insurance information from XXXX XXXX XXXX XXXX and has placed my mortgage in an over priced ( lender placed insurance ). I have insurance and I have provided this information to M & T Bank. M & T Bank is claiming that they will update the insurance in 90 days and not right away. M & T Bank are XXXX scumbags ...
|
| 01/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
My brother and I went to m & t bank in XXXX NY. With a promotional ad for XXXX sign up bonus to open choice checking account. So we both opened accounts. Well, 90 days and well over 4,000.00 worth of deposits between the two accounts. We are told the wrong promo code was entered. Between secure email. And phone calls finally get told wrong promo code was entered. And person is unavailable. Have called corporate customer service. That's how I found out about the wrong promo code. Still no resolve.
|
| 01/27/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Dear XXXX XXXX and M & T Employees, Please send a Subpoena to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX They represented themselves as someone with authority to look at my Transcripts and Banking, which is not true.
They have been coercing me since Day 1, being short and disrespectful about men surviving XXXX XXXXXXXX, have yelled at me and lost forms regularly.
Their Offices are in XXXX, Rhode Island as well as XXXX, Rhode Island and XXXX, Connecticut. Report them for FTC Fraud.
|
| 04/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I was not disclosed on the XXXX and XXXX Contract that I signed for purchase that this loan would be reported to any of the three credit reporting agencies, mainly XXXX, XXXX and XXXX XXXX. Furthermore, I am not aware of M & T 's practice on sharing my information with third parties. They have not disclosed what my rights are in that matter. I dispute any reporting of any loan commitments with M & T Bank since it was not disclosed beforehand and I did not have the opportunity to study its terms.
|
| 04/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I filed a complaint XXXX regarding M & T bank they have just contacted me and are still refusing to recognize that I am a borrower on my mortgage because my late husband signed as my agent since he had power of attorney at our closing. the bank states since I did not physically sign I am not the borrower.
this is insulting to me I need M & T to recognize that I am the borrower on this morgage and assign a senior agent to deal this situation ASAP I have attached documents please see page 33 & 34
|
| 12/26/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Mr. XXXX XXXX CAM Escalations Analyst you stated in your response to me that " 22 property inspections fees of {$14.00} each assessed by XXXX due to delinquent status of your mortgage loan between years XXXX and XXXX ''. However, a review of my mortgage history shows my mortgage payment was made for the months in that year. I can't see the justification of these excess illegal fees. My mortgage was not in foreclosure and not was it excessively delinquent. What are these ( 22 ) {$14.00} fees for?
|
| 01/27/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
This bank is treating me horribly discrimaiting me I feel they dont value me or my business they recently closed my account due to inactivity I was sick and in the hospital now I went to their branch to try to open an account they refused told me Im a bad customer wont open any accounts for me I requested a personal checking and business they said no without even seeing why I dont qualify they wouldnt give me any information I was treated horribly at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : M & T BANK XXXX Late Dates XXXX
|
| 01/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
On XX/XX/2018. My brother and I went to M & T bank in downtown XXXX NY to open detect deposit accounts to receive a XXXX bonus like the ad we brought said. Well a lot more than 500.00 has been deposited. And the bank is now telling me after two days of email and calling that the wrong promo code was entered. The person who can fix it is unavailable. We would have never opened the accounts. Except for the offer of the bonus.we are both XXXX and the bank is further away than the previous bank.
|
| 06/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
On XX/XX/2023 I received a letter from M & T Bank containing a debit card with instructions on how to activate the card as well as my new account. I had never banked with M & T nor had I attempted to open an account with the M & T in the past. I called the fraud desk and was told that they had flagged the account as fraudulent ahead of my call and had already shut the account down. They advised me to shred the debt card I had received in the mail and no further action was required on my part.
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.
2. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.
3. Identity Theft M & T BANK Account Number : XXXX This is not mine.
4. Identity Theft XXXX Account Number : XXXX This is not mine.
|
| 06/17/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My property tax has never been paid from the XX/XX/2019 deadline. In addition, my last property tax payment was very late. The tardiness is causing my account to incur interest. I've asked that my company pay my bill and ensure there are no more missed or late payments. This is unacceptable and I am tired of contacting the company for the same issue every quarter. The local tax collector has assured me that the mortgage company has everything they need to make payments in a timely manner.
|
| 06/11/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Date : XX/XX/2019 Complaint against M & T Bank M & T Bank imposed and an insurance policy that I did not want, requested, authorized, or needed. M & T Bank started to draft my bank account without my consent. M & T Bank is taking funds they have no right too. I notify M & T Bank to stop this insurance they disregarded my orders and continue taking the money.
This is an FHA mortgage. They are not abiding by FHA Rules and regulation.
|
| 10/26/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I had a checking account with M & T bank. Had an opportunity to make some extra cash doing what most like to do and that is shop. An evaluation compamy contacted me to evaluate companies close to my home. Well I fell for it and they sent me a check to make purchases and it was fraudulent. but I did n't know that so I deposited it ( never touched it ) and they closed my account and told me the decision was made due to past history. do n't have past history. all I want is my account back.
|
| 07/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
m an t bank they post transactions against my account at XXXX but post deposits at XXXX and I would get charges because I did n't have enough to cover after complaing about this I did notice last night a deposit was posted at XXXX frist time in 15 years also i deposited a XXXX dollar check they held XXXX the teller told me it would clear at XXXX for the full XXXX they also charged me {$45.00} in shipping on new checks it came by mail after fighting with them they did credit me back some
|
| 08/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
On XX/XX/22 my father died and was buried by a young woman he knew. Who was not my fathers child, and was not a care giver. and after his death used his atm card spending his military pension in the total amount of {$5200.00}. I am his ( XXXX XXXX XXXX his legal daughter incharge of his estate. I Contacted the M & T Bank there between XXXX. They requested a police report for a fraud case. Reported XX/XX/22. It has been almost a year and I still havent received a satisfactory response.
|
| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
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.
|
| 11/04/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
hi cfpd ... i dont have a big issues ... just at the moment i dont have income my unemployment are being pending i lost my job XXXX i work so hard to provides my family foods and shelter.. long story short due of corona virus me and my wife both loose our job ... we saw our family memeber and communtity pass away.. we need a time out so i could figure out away to work from ... start a busines from home ..
right now i need help for a few month to get back on my feet ...
thank you
|
| 03/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I had an account set up with M & T Bank 2016 some time i believe in XXXX and some one accessed my account and overdraft my account up to XXXX dollars and my account was flagged and closed being that i don't know too much about bank accounts and how they work the problem was never resolved.this account was opened in XXXX XXXX XXXX.I 'm just seeking to have this resolved being that XXXX dollars was taken when i made a deposit at the atm machine and i knew nothing about the overdraft.
|
| 10/20/2023 |
Yes |
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
On XX/XX/XXXX a Partial Claim note was signed by the sole mortgagor of our home. There was what I believe to be a breach in compliance of the Truth and Lending Act. I being added to the deed in XXXX of XXXX, although not added to the mortgage, am on the deed with right of survivorship. I was never notified that the Partial Claim in the amount of {$9000.00} was extended and encumbered by the property. I don't believe the bank did a title search to see there are 2 People on the Deed.
|
| 01/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received an email from XXXX saying that my e statement account is now available for XXXX XXXX XXXX.
I have not opened any account in the aforementioned bank. I have frozen my credit in all three major credit bureaus ( since this happened to me two years ago at XXXX XXXX and XXXX XXXX ).
I am going to the nearest M & T Bank after work to show this email as well, but I also want to be able to tell them that I have lodged a complaint about it here.
Please help me.
Thank you!
|
| 03/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
We have sent documents over numerous times that have required updating or new documents. We have saved money the sum of {$10000.00} to help reduce the amount we owe. We are very capable of making the payments on our house but the attorney fees and all the fees that have been added on have skyrocketed what we owe in order to catch up on the loan itself.
They are telling us that we must pay all of it that totals over {$23000.00} when our loan to catch up is only about {$11000.00}.
|
| 06/22/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I lost my job due to Covid and have experienced financial hardship also due to hurricane Laura and delta. My home is unable to be occupied due to these hurricanes. I have hired an attorney to receive payment from my insurance company but am still awaiting results. My mortgage company m & t bank is telling me I am ineligible for any assistance due to the home being non owner occupied. I looked on huds website and it shows there is assistance available for non owner occupied homes.
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from M & T bank has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry.
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights.
Sincerely, XXXX XXXX
|
| 09/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened my checking account onXX/XX/XXXX on XXXX XXXX XXXX XXXX branch with the representative XXXX XXXX.
On the same day that my account was opened my online banking was locked. I sent several emails to the representative without geting any answer and also called customer service but because I dont have the debit card they cant verify me.
Is a loop that doesnt have a solution. I have a VPN on my phone for security company reasons ( from XXXX ) so maybe thats why was locked.
|
| 12/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I opened this account in XXXX but now I have moved to XXXX I wanted to close this account and get the balance refunded, but the bank refused to do so citing fraud prevention. They locked my account and do not allow any deposit or withdraw. In order to unlock or close it, they insisted that I have to step into a local branch physically to unlock or close it. I am in XXXX now, it is ridiculous for me to travel back to a local branch in XXXX in order to close my own account.
|
| 10/16/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
M & T Bank is adding so many charges to my account, and saying I am behind in escrow, which I confirmed today, XX/XX/2019, with my insurance company I am not behind. I have spoke with the bank about giving me an explanation of charges and they can't seem to. Nor will they do a new escrow analysis to show that I am not behind in escrow. They have done nothing to help or prove anything. XXXX XXXX sold out to them back in XX/XX/2019, and it was the worst decision they ever made.
|
| 09/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
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.
|
| 04/18/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I've had no money coming in since XX/XX/XXXX so I tried to get a mortgage payment forbearance for 3 months and my mortgage company M & T Bank will only defer me for 3 months and then they want all three payments at once The only way I could defer the three months to the back end of my mortgage is if I could file for a hardship and all the paperwork they need for that hardship most I can't get to because everything is shut down due to covid-19 so my hands are pretty much tied
|
| 09/13/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
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.
|
| 11/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
Please see initial complaint XXXX for initial details.
You informed me that you have the companies reply to my first complaint letter and closed the case.
However, I do not feel that their reply to my complaint was accurate and did not address an important concern I documented.
I have attached my additional reply/complaint related to M & T bank for your review which supports my contention that M & T bank did not adequately perform their duty to protect me from fraud.
|
| 06/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I logged in into my online banking on XX/XX/2023 and noticed several unauthorized transactions on my account, so I proceed to lock the card and requested a new one.
I tried to reach customer service many times without success to report those transactions as fraud.
My card was lost, didnt have the pin written on it and I didnt allow someone else to use my card. Also I never did business with them in the past.
Attached goes the 2 screenshots with the unauthorized charges.
|
| 03/22/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
M & T Bank and XXXX XXXX have fraudulent foreclosed on my XXXX property in Florida with out bring in me in the case. They actually listed my property for sale in XXXX. XXXX started the foreclosure with out bringing me in, and when I filed a complaint against them, they immediately sold the loan in the middle of foreclosure to M & T Bank who finished the foreclosure. These XXXX banks had put a cloud on my title & Now XXXX is washing their hands and passing it to M & T Bank.
|
| 03/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Hello I opened a bank account and was waiting for my debit card to arrive by a mail from M & T bank but I never received it and there has been 8 unauthorized transactions each for {$1000.00} form XX/XX/23 to XX/XX/23 it says atm withdrawal and i was denied of dispute because they think that I had the debit card in my possession while this transaction were made, I visited a branch to dispute the transactions but was denied, can you please help me resolve this issue thanks.
|
| 10/17/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We have FHA loan and our PMI payment is {$180.00} which is over 10 % of our mortgage payment per month. We have over 20 % equity in our house and M & T Bank is our servicer. We have requested to drop PMI but M & T doesn't agree and states states it is for lifetime of the loan. This is a lot of money per month for us and we thought it was for short term and will go away as soon as we have some equity build up.. Now we are questioning if we can sustain it for a long period.
|
| 06/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
M & T Bank wouldn't let me make any withdrawals from my account so I asked them to close my account XX/XX/XXXX. I spoke with the XXXX branch manager and she told me that the account would be closed immediately and that I'd receive my check with the balance of {$1500.00} by XXXX XX/XX/XXXX. It is XX/XX/18 and I still haven't received those funds, nor have I received any notification of my funds being sent to me. The only proof I have is the recording I made of this call.
|
| 10/10/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX XXXX, XXXX, I faxed a payoff amount request for Account XXXX. XXXX, XXXX XXXX Property Address ) to M & T Bank. The inquiry was faxed to the payoff fax number listed on my latest statement ( please see attachment ) to M & T Banks XXXX Department.
In my correspondence ( please see attachment ), I informed M & T Bank that I was requesting the loan payoff amount associated with my loan ( Account No. XXXXX ) ; however, I still have not received any type of response.
|
| 02/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
My bank M & t has allowed a unauthorized transaction to come threw my account knowing that we have never signed the paperwork with XXXX XXXX to run the card. Now we no why of get to are money because we donot do personal checks because someone has stolen my social security number. This has happened more then once. We can not just go get money we can only do it when they have banking hours. This is XXXX and do not know how the banks get away with it. This is called fraud.
|
| 03/18/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I'm behind on my mortgage payments. I tried to make one payment. M & T Bank is refusing to take my payment. I tried to do it online. I could not do it because they blocked me from doing it. I tried to do it using the pay by phone feature. I could not do it because M & T bank blocked me too. I called M & T Bank and the representative refused to take my payment. Please help! M & T Bank is purposely refusing to take my payment so that they can take my house. PLEASE HELP!
|
| 12/07/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I used XXXX through my online bank M & T to make a transfer to an individual to purchase a handbag on XX/XX/18. The individual states she never received the funds and I as well never received my handbag. I have been given a USPS tracking that shows no package was received by the post office. I have communicated with this individual and still receive the same information. I contacted M & T and was informed that the individual received the funds and nothing can be done.
|
| 11/29/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I had a loan to cover XXXX damage from the small business department that was sold to m & t bank .since then it has been a problem.my loan is unsecured with no lien .m & t bank is trying to steal my property by not posting my payments timely, and charges that are illegal.i get two bills from for the same billing cycle.i do not like doing business with them or trust them.this is the second or third complaint to cfpb about this matter.my payment is XXXX dollars a month.
|
| 08/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
Older American |
|
7 years ago I started re-fi with my mortgage company. 5 years later and XXXX refinances that they constantly squelched, they sold my loan to another bank when we were at the end of the XXXX modification and it was a paper away from being finalized. The new bank than attached an additional {$84000.00} to my loan. XXXX offered me 2 % for 30 years, XXXX bank 2 % for 5 years. Totally XXXX on this one. Of course during the 5 years XXXX XXXX would not let me make a payment.
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
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.
|
| 07/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
I received a Visa debit card in the mail from M & T Bank. I d I'd not apply for this card. I called M & T Bank to report that I did not apply for this card. They told me that their fraud department closed the account because the person who applied couldn't prove their identity. Then they advised me to call my banks to put them on alert and then call the XXXX XXXX XXXX to put an alert fraud alert on my information & contact you to freeze my credit & file a complaint.
|
| 10/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Whenever I see a payment about to come out, if my funds are a tad low I transfer it in immediately from another account BEFORE morning banking business hours. Or I go to the ATM and deposit cash. Never once have they declined my debit card when my funds are insufficient, they let it go through so they can charge me fees. And they are not using my over draft protection like my credit union does! I'm sick of it it's been hundreds of dollars stolen from me since XXXX.
|
| 05/22/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Written on behalf of homeowner By : HUD certified Housing Counselor Please find the following letter fro m M & T ba nk in regards to non-acceptance of our Authorization to Release Information. It bothers me a good deal that this was the response given. The authorization offered was signed ( e-sign compliant ) and legible as well as dated. Additionally, the homeowner submitted an M & T branded ARI whic h did include a physical signature. Please advise -Thanks
|
| 03/30/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
My debit card was stolen on XX/XX/2017 On that same date, a total of five unauthorized ATM transactions plus the fees in the total amount of {$1000.00} were taken from my account. I reported the stolen card to M & T Bank the next day and reported these fraudulent transactions.
After giving me a " provisional credit '' in the amount of {$1000.00} to my account, the M & T bank abruptly denied my claim on XX/XX/2017 and re-took the sum of {$1000.00} from my account!
|
| 03/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am still unable to pay bills or withdraw from my checking account. I had previously filed a CFPB complaint about this same issue. Reference number : XXXX.
M & T Bank responded to say they are reviewing and the CFPB case was closed. That was on XX/XX/2023 and I still do not have access to my money with no further communication on a timeline or whether more information is needed from me. Approximately 90 days has elapsed since I have been able to assess my money.
|
| 04/07/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a settlement offer of {$130.00} with an original balance of {$540.00}.
Requested payment date was XX/XX/22 The letter stated my account would be satisfied and closed if I pay the resolution amount by XX/XX/22 The payment was received and posted on XX/XX/22 I just received a letter stating, I owe the balance due of {$410.00}.
I accepted the terms and fulfilled what was required and they still want full payment, even though I paid the settlement offer
|
| 09/04/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
On XXXX the XXXX I had {$40.00} in my checking account. They then proceeded to charge me a {$38.00} insufficient fund fees.
This bank fee charge is funds money that I needed to by food to eat.. I am working very hard to better my situation, but the {$38.00} fee really hurts. the {$40.00} in my account was depleted in entirety by the {$38.00} bank fee. This fee was charged due to my only having {$40.00}. in my account and is a very unfair and large fee to charge.
|
| 08/07/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Request transfer of VA appraisal from M & T bank to XXXX XXXX XXXX and they have yet to receive it. M & T took 4 months of no return calls to address my concerns and/or requests. Attempted to schedule closing once they received notice to transfer. As a XXXX veteran.Ive never experienced such horrible treatment nor has a VA loan ever take 4 months. Follow up email was further degrading. Please assist with this transfer if possible. XXXX XXXX XXXX, XXXX. Thank you
|
| 11/28/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Older American |
|
I closed my IRA cd on XX/XX/17 with M & T Bank and opened a rollover account with XXXX XXXX XXXX XXXX. I was charged a fee of {$160.00} and it was taken out of the check I deposited in XXXX XXXX. The officer at the new bank said that because I was over XXXX XXXX I am able to close the account without paying a fee. I sent a letter to the CEO and have not received any reply. PLEASE HELP.!!!! {$160.00} is a lot of money when your only income is from SS and the IRA.
|
| 06/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I used to have an account with M and T. Over XXXX years I closed the account and cut up my bank card. XX/XX/XXXX or XX/XX/XXXX I cleared up all my debt which also verified that I had no open accounts or outstanding balance with them. Just today I received a call from them stating that my bank card was used and they wanted to verify that I was the one who used it. This means that the bank reopened my account and issued a new card under my name without my consent.
|
| 06/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This is the third time this year that my checking account was hacked. First time happened back in XXXX of 2023 then the second time happened back in XXXX of 2023 and the third time was today XX/XX/2023. M & T needs to improve their security because the same account shouldn't been hacked 3 times within a 6 month period. I have multiple accounts with M & T including a business account and next time my account gets hacked I'll be taking my business somewhere else.
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor M and T Bank has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 02/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX provided a copy of my credit report to multiple companies without my authorization : -XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -M & T Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX As XXXXch , it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
|
| 11/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I tried to apply for a M & T checking account numerous time, however M & T declined me for checking account. I have had good relation with M & T in the past. I want M & T to provide me with thorough explanation why I can not open my account.
Sorry, XXXX unable to open your account.
We XXXX able to open your account due to XXXX of the following reasons : Information obtained from a consumer reporting agency XXXX of your previous account history with M & T
|
| 07/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I had a checking account with this bank that was closed and brought to a XXXX balance before it was closed. Theyre reporting it as a charge off on my credit report, not only that but they fraudulently ran my credit without any authorization for any type of loan or extension of credit. I wasnt even living in a state they do business in at the time! I tried to get answers and all I got was the run around from them and no one could seem to answer my questions.
|
| 09/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
In XX/XX/2020, XXXX XXXX XXXX XXXX account was hacked for a second time. Their choice was to close my account. I then continued to get emails in XX/XX/2020 saying I owed XXXX XXXX XXXX {$1500.00}. I followed this up with many phone calls to XXXX XXXX XXXX where they advised they would resolve the issue because I did not owe them any money, they closed my account! I suppose there is still an issue because now I can not open any other accounts anywhere else.
|
| 03/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Tried transferring money via XXXX to another account. My bank refused to make the transfers. I sat on hold for 1.5hrs and was told by 3 reps that it was " fixed ''. It never was and I'm not able to transfer money out of my account. This is causing personal accounting errors because my bank offers XXXX. It appears they are constructively making it very difficult to use so that I won't use it. They said they will block transfers in the future with no reason.
|
| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the Fair Credit Report Act XXXX Inquiry from M & T BANK XXXX on Date : XXXX XXXX XXXXXXXX has violated my rights.
15 U.S.C 1681 Section 602 A, States I have the right to privacy.
15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
This inquiry from M & T BANK XXXX is fraudulent, because I did not authorize this company to pull my credit file.
|
| 04/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/XXXX, I asked M & T Bank to close my personal checking account. However, M & T Bank said I must physically visit a branch to close the account. This was, and still is, impractical for me because I moved to a state, California, which has no M & T branch locations. The closest branch is roughly XXXX miles away in West Virginia. Today is XX/XX/XXXX and for 476 days, I have been unable to close my account and withdraw the remaining {$750.00} balance.
|
| 12/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an EZChoice Checking account with M & T bank on XXXX with a promotional offer of XXXX cash bonus after direct deposit of XXXX within 90 days ( XXXX XXXX XXXX XXXX. Upon fulfilling the requirement on XXXX, I sent out an secure message to the bank trying to confirm the bonus and the approximate date on which the bonus will be deposited. However, M & T bank denies the promotional code being attached to my account, and refusing to give out the bonus.
|
| 12/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Hello my credit card was stolen in XXXX XXXX and M & t will not reimburse me for charges. I have filed police report, also was not in XXXX XXXX at the time of the charges and have documents to support these claims. I will attach documents It is over XXXX in charges .I have been a customer with XXXX for 22 years - I was not aware the card was stolen at the time of charges XXXX 2021. I was not on the Island when these charges occurred and we clearly fraud.
|
| 02/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I made my XXXX payment of XXXX to M and T Bank. My bank accidentally keyed the payment in at XXXX but soon corrrected it to XXXX ; my account was definitely debited. This week I received a statement claimimg that the XXXX payment was not made. I reported this problem to M and T bank and gave their corporate counsel a copy of the canceled check. They have been " researching '' the problem for several days. I am very concerned as they have a bad reputation
|
| 01/21/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
I opened a CD account, but, didn't ask for the {$12000.00} amount which was then voided and replaced with a {$2500.00} contract. This happened on XX/XX/XXXX. I was told that the funds would be back into my checking account on XX/XX/XXXX or XX/XX/XXXX. I went there XX/XX/XXXX and was told that a email was received about the money being replaced, but, that was all that was said. I scheduled another appointment for XX/XX/XXXX to ask them about those funds.
|
| 06/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX took a payment from the wrong account. I immediately saw it, even signed up for overdraft alerts and texts and never got anything. Luckily I was checking something and saw the overdraft and just switched money to the account, no big deal. XX/XX/15 {$38.00} overdraft fee which overdraft me again, moved more money and was told I will probably get hit with a fee again and that you should keep more money in your account so this doesnt happen.
|
| 08/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2019, MT Bank address XXXX XXXX XXXX XXXX DE XXXX was notified by letter through IdentityTheft.Gov about my identity theft complaint, an affidavit and a police report were sent to them. Answer all your letters and questions. I recently received a letter from a collection company demanding payment of {$5000.00} money I did not request or use.
This matter was reported in time when requesting a credit report and all credit bureaus were notified.
|
| 03/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
on XX/XX/2023 i received a letter from my bank telling me that the net monthly payment went up from XXXX to XXXX so we talked to the company and they told us that the escrow account balance is up and we have shortage too.
so now they asking me to pay every month another XXXX extra. and there explanation that the county tax went up and the insurance too.
and they don't offered any help about. they didn't show any document to support what they saying
|
| 12/12/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
MT Bank charged me a fee of {$360.00}. They claimed it was for legal fees of previous lender ( XXXX XXXX ). Their employee XXXX XXXX investigated the matter and came back with information that the {$360.00} fee was for fees. He said that the fees was for 24 months of inspection cost of 14 day. This is totally illegal. They are making up stuff to cover up the fraudulent activity. I am so frustrated with this bank. Its so unfavor. I want my money back.
|
| 09/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
XX/XX/22 two payments of XXXX were sent to a XXXX XXXX from XXXX through my bank account. I contacted a customer service number that I thought was XXXX they had me download an app called XXXX, and told me to send a code XXXX to the recipent and had me to it twice to supposedly verify my account, that they took the funds from and my bank hasnt refunded to funds. I filed a police report with XXXX VT police department and disputed it with my bank M & T
|
| 05/04/2016 |
Yes |
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
In 2013, my home went into foreclosure. After months of mediation and court hearings, a company contacted me and told me that if I sent {$2000.00} to Trial Period Management, the foreclosure process would cease and after the trial period, the mortgage would be modified and reinstated. I sent the money. The cashier 's check was deposited into a XXXX XXXX account where it was cashed.
I was forcefully removed from my home and would like my money back.
|
| 09/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I fell behind on my mortgage, tried forever to modify it. Then it was sold to another bank. Again I have tried to modify it. These banks have n't sent me statements. I have no idea where there balances are coming from. They tell me they do not have to give me anything. I know I am being ripped off. Now on XXXX16 my home of XXXX yrs is being foreclosed and were homeless. I feel like I had no rights. Its wrong how these mortgage lenders treat people.
|
| 04/03/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
A EFT was taken out of my M and T bank account in the amount of XXXX on XXXX XXXX, 2015 by XXXX XXXX XXXX. I called the bank on XXXX/XXXX/15 to have the payment deauthorized. I was refused and told M and T that I could ONLY file a dispute. I filed a dispute. I was denied. I called XXXX XXXX XXXX and they spoke to the bank after speaking to XXXX supervisors I was turned away again. I was advised that I had up to XXXX days to deauthorize any payment.
|
| 06/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received a Debit card from M & T Bank in the mail. I never open an account with this bank. When I contact the customer service from M & T Bank asking question pertaining to that account, I was told the account was flagged as fraud and the account was closed. I sent a letter to the Bank asking for confirmation that the account was open in a fraudulent matter and the account has been closed. As of today I have not receive a response to my request.
|
| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On or about XX/XX/2015 I had financed a 2015 XXXX from XXXX XXXX through this bank. However afterwards problems of fraudulent activities was revealed and this particular vehicle was proven to be no good and XXXX XXXX settled. In the meantime the vehicle was repossessed. However when a recent credit report was done a {$20000.00} Loan showed up as default in which is way over 7 years old. M & T Bank was contacted and absolutely nothing has been done
|
| 08/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Opened a New Account with M & T on XXXX XXXX.
Transfered money from my other Bank Accounts on XXXX & XX/XX/2022 for a total of $ 5K.
M & T placed restrictions on my account to use this money & not letting me Transfer this money. I Called Customer Service to remove the restrictions or close my account and refund my money back to the source accounts.
They are not doing either, please help me in getthing the account closed get my money refunded.
|
| 08/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
M and T bank could not justify XXXX in overdraft fees in a one month period of time. The overdraft fee amount is XXXX each which would mean there would have been 72 overdraft charges to add up to XXXX. When asking for a breakdown or more information for the charges they would not give me the information. When I checked my checking account there were enough funds and the timing of the overdraft fees did not match the balance of my checking account.
|
| 05/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I used to bank with mt and moved so I closed my account I tried applying Online and failed the identity check I go to the branch I was treated horible and they refused to open me an account blaming XXXX and was told to call them I did and they said I dont have anything the bank is crazy and they treated me horible after being a loyal customer I dont understand why they treat me like this horible attitude the banker I spoke to treated me horible
|
| 04/11/2017 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
My wallet was stolen and {$500.00} was taken from my account. M & T bank is denying my claim because they are saying there is no way someone could access my pin # in order to take the money out. I explained that my SS card was in my wallet and my pin was last 4 of my social but that is not good enough for them. Therefore I am out {$500.00} and they are saying there is nothing they can do. They are basically accusing me if stealing my own money.
|
| 12/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
M & T locked my online access to my account, they indicated I have to go to the branch to resolve this issue. However, I have moved and is travelling outside of M & T foot print and could not visit a branch.
I have spoke with their Fraud team, customer service, Branch, and Executive Complaint team on numerous occasions and no one is willing to resolve the issue M & T is illegally holding my fund and prohibit me access to my checking account.
|
| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is a formal complaint that M & T BANK is reporting inaccurate and incomplete credit information.
I would like to state that M & T BANK is in violation of 15 USC 1666 b which states that a creditor can not report late payment to any consumer reporting agency. M & T BANK has been paid in full, I am demanding that M & T update XXXX and advise them to report on time for the months of XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.
Thank you.
|
| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 that states I have the right to privacy.
15 U.S.C. 1681 Section 604 ( A ) ( 2 ), states a consumer reporting agency can not furnish an account without my written instructions.
Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 07/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I requested a XXXX Loan from M & T bank but it was not processed as I wished. Instead of processing a XXXX Loan the Vice President XXXX XXXX processed an M & T XXXX Loan Application and today I received a denial letter. The Federal Equal Credit Opportunity Acy prohibits discrimination and I am protected under the Consumer Credit Protection Act. My rights have been violated. As well as my credit score could have been effected by her actions.
|
| 05/23/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
Opened an Escrow Account ( joint account with buyer ) for the sales of my business on XX/XX/XXXX via M & T bank M & T bank closed the account without my permission and released the fund of {$74000.00} to the joint holder in XX/XX/XXXX.
M & T bank did not inform the closure of the Escrow Account nor discuss the reasons of the closure M & T bank does not have authority to close the escrow account unless the buyer and I both agree to do so
|
| 01/25/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
M & T Bank did three international wire transfer on XX/XX/year> without my knowledge or permission on a joint estate account that required two signatures on all transactions. I requested the bank to send me copies of cashed checks, signatures for the international wire transfers and the name of the person who approved of the international wire transfers that totaled {$120000.00} PLUS {$220.00} in wire fees. I was denied that information.
|
| 03/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I HAVE SIGNED FOR E STATEMENTS FOR MY MTB MORTGAGE ACCOUNT AND ALL ACCOUNTS AT M & T BANK. I WAS TOLD I WOULD HAVE 7 YEARS ACCESS TO ALL ACCOUNT STATEMENTS IN WRITING. as of XX/XX/22 I PAID MY MORTGAGE and no longer have access TO ANY OF MY MORTGAGE INFO STATEMENTS PAYMENTS ETC.,, I COTACTED THE BANK AND WAS TOLD ONCE PAID THE ACCOUNT ACCESS WAS NO LONGER AVAILABLE. THE BANK IS OFFERING ME STATEMENTS FOR A COST FOR COPIES. THIS IS FRAUD.
|
| 02/01/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
In early XXXX I wrote the bank and asked them about having the PMI removed from my loan. I received the letter from them dated XXXX/XXXX/XXXX stating that 2 conditions had to be met to remove the PMI from the loan.
1. At least 5 years have elapsed from the date your loan closed ; and 2. Your loan to value ratio ( " LTV '' ) ratio is 78 % or less.
The letter denied the removal and stated that I would reach condition XXXX by XXXX XXXX.
|
| 05/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been in my home close to XXXX yrs. I have refinanced at least XXXX times, we have also added room on to the house. We have never missed or been late on a single payment in all these years.My Mortgage co. is M & T Bank. They require me to pay MIP/PMI payment of XXXX included in my monthly payment. I 've been paying this for years and I feel that when you look at my payment history this is wasteful and unfair. Is there help for me?
|
| 04/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I opened a personal account with the bank and never gave me a bank card and charged my account and took funds that were not authorized to take. Tried to use online banking and when I called they told me the bank closed the account and sent it to collections. I never used this account for anything accept to open the account and properly use it. But the account failed to send me my bank card and failed to properly keep my account private
|
| 03/04/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
i had XXXX XXXX for XXXX XXXX XXXX sold to M & T and raise my payment {$300.00}. ask how is this they said wholesale showed that payment was to be raised. they ask did my property taxes go up it didnt. they ask if escorow go up it didn't. i ask for paperwork showing proof where increase was. it actually showed that payment was XXXX XXXX dollars less. now i ask how is this posible oh we're looking into it. what kind of response is that.
|
| 05/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My credit card was stolen on the evening of XX/XX/21. When I realized that the card was gone on the morning of XX/XX/21, I immediately called the bank and discovered that several fraudulent charges were made at stores I have never been to. I disputed the claims with the bank but then received notification roughly one week later that my claim was denied and I would therefore be held responsible for these charges, which total {$1700.00}.
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act.This list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U S C 1681.
M & T Bank account # XXXX on date XX/XX/XXXX XXXX XXXX XXXX account XXXX XXXX on date XXXX XXXX has violated my rights.
15 U S C 1681 Section 604 A section 2 Its states a consumer reporting agency can not furnish an account without my written instructions.
|
| 05/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
1st mortage loan paid in full on XX/XX/2016, balance does show XXXX however payment status still shows as Late 120 days. XXXX balance obviously cant currently be late 120 days. Hudson City Savings Bank is the lender that appears on my credit report however they were bought along with the mortgage loan by M & T Bank. M & T Bank is the one that got paid when home sold. M & T for some reason refuses to update payment status to " Paid. ".
|
| 10/26/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
M & T and XXXX XXXX are attempting to foreclose ob my home with fraudulent robo signed assignments. m & T refused to respond to my QWR, dispute and the debt validation. I request a loan modification i mailed in the documents and a week later i received a notice of foreclosure .This clearly dual tracking. I only owe {$100000.00} on my loan and my house is valued at XXXX. the are attempting to foreclose on my for less than {$7000.00}
|
| 12/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
M & T Bank, which acquired my mortgage from XXXX XXXX XXXX, will not decrease my monthly mortgage payments despite my on-time, correct-amount payments. I called the company to complain and its representatives could not coherently explain to me why my mortgage payments do not drop every month as payments did when mortgage holder was XXXX. Property in question is condo at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. My name is XXXX XXXX.
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : a credit or may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 04/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
M & T BANK is refusing to give me the title to my vehicle to which has been refinanced with another institution as of XX/XX/XXXX of XXXX as of today XX/XX/XXXX of XXXX to the other institutions store does not have their vehicle title in their possession and this vehicle has been paid off by the other institution since XX/XX/XXXX this is illegal in the state of Maryland that two institutions are not able to be financing one vehicle
|
| 10/19/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My mother had passed in 2009 and XXXX XXXX wrote checks against my estate account forging my name, removing approximately {$100000.00} from my estate account. M & T was aware of the fraud and the bank has refused to credit my account for the {$100000.00}. XXXX went to XXXX for a year, therefore I need your help in getting M & T to credit my present checking account for the $ XXXX.My signature was the only signature on the account.
|
| 09/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am on XXXX XXXX dollar contest XXXX XXXX is taking money out of my account is done this a couple of times once from XXXX XXXX store in XXXX Maryland and now from a place called XXXX XXXX he took {$88.00} from XXXX XXXX 7 different times then he took {$0.00} from XXXX on XX/XX/2020 and then he took {$42.00} from XXXX XXXX on XX/XX/2020 someone at m & t Bank in XXXX is working with him XXXX New York please go get into this for me
|
| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681section 602 states I have the right to privacy.
15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my writing instructions.
15 USC 1666B : A creditor may not treat a payment on a Credit card account under an open end consumer credit plan as late for purpose.
|
| 04/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
Older American |
|
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.
|
| 06/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have compiled and done everything requested and submitted all documentation for a loan modification or repayment plan anything that will help me save my home and was denied for insufficient income when I do fall within the DTI which is 30 % - 41 % I am at 36 % DTI required for mod or repayment plan I can afford it my monthly net income is {$5600.00} and mortgage payments are {$2100.00} please help me keep my home.
Thank you,
|
| 10/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
On the XXXX of XXXX we reported to the M & T bank that two separate checks from our account were fraudulently cashed for a total of {$16000.00}. We froze the account and opened a new account. We were told by the M & T bank that we would be refunded with 7 - 10 business days. However as of XX/XX/XXXX we have not received any funds. When we called regarding our reimbursement, we were told that it could take at least 90 days plus.
|
| 05/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or missing disclosures
|
|
Web |
Older American, Servicemember |
|
accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
|
| 05/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have a right to privacy.
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
|
| 02/07/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have recently joined M & T and love the bank but the fee 's are outrageous. I have received over XXXX dollars in fees since I have been with them and I have called to request a few fees back and nobody will help. I have always received assistance with other banks. They wont help at all. In addition there fee 's are XXXX each. I just asked for half of my fee 's back. I dont know why they dont try and accommodate there members
|
| 12/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
My checking account was compromised as XXXX bogus checks were deducted from my account. Reported all data to M+T Bank. Was told they had to open a new account. XXXX months have passed. Many checks are being blocked. I can not pay my bills. Bank has approaved reimbursment however they claim to have problem because my bank account has set up in my trust XXXX not tell me how long it will take to set up a new account. Need help!!
|
| 04/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I am trying to close an interest bearing checking account at M & T bank. I submitted a request to close the account via secured message on XX/XX/2019. I received a response on XX/XX/2019 stating that I would have to visit a branch or mail a signed request and that the signed request must be notarized if the balance is over {$1000.00}. I will try and pursue one of these methods, but both of these methods are very inconvenient.
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In the accordance with Fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy 15USC1681 section 604A section it also in states as a consumer reporting agency can not furnish an account without my written instructions under 15USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 01/18/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
Good morning, Due to employment loss, I need to catch up to five payments on my loan. I gain employment in XXXX. XXXX, 2023, and ask in XXXX for a forbearance period so I can resume making payments on my home loan. I intend to keep the home and would like to continue my monthly payment. I received a denial forbearance letter from the bank informing me the flex modification doesn't meet the necessary seasoning requirements.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
last year I applied I went to different dealers in order to buy my first car, but I didnt purchase the car from any of them, before I applied i asked if they were running my credit report for all of the banks or just one time, and they told me they were soft inquiries, as of right now, i still have all the inquiries in my report and they are preventing me from purchase a house, after I have sent creditor letter of removal.
|
| 05/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act XXXX Account # XXXX has my rights 15 USC 1681 section 602 States I have the right to privacy.
15 USC 1681 Sections 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose
|
| 10/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, 2017 Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT BANK XXXX XXXX XXXX XXXX
|
| 11/03/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
M & T Bank has made multiple errors in processing my mortgage loan, loan # XXXX. I 've already filed XXXX complaint which they responded to, case # XXXX. However, when I disputed their response they ignored that dispute and the complaint is now closed. I need them to correct their mistakes as stated before and show that the mortgage is up to date. We have been paying as agreed since the mortgage was modified in XXXX 2014.
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
M & T Bank is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of M & T Bank telling it my problem.
|
| 12/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
M & T bank is not reading the receipts I already did a complaint with them theyre saying it was another bank when we only dealt with them, XXXX XXXX needs to read the amounts involved and would obviously see there is a discrepancy there, our home equity loan was roughly XXXX XXXX and we paid off XXXX all I want is breakdown on the dispersal of the XXXX that was paid to them, Ill attach a monthly receipt to verify this
|
| 10/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
|
|
Web |
|
|
a guy asked me to send some money to a girl because she had to buy some things for his kitchen and that doing this pleasure for him i can have some money, so he sent to me a check of XXXX $ and i sent the money to this girl and i bought two XXXX card for her, but after that my bank account was blocked and i went to the bank for understand why and they told me that maybe the check waa fraudulent.
my bank is M & T bank
|
| 04/08/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
We have a VA federally backed mortgage loan with M & T.
According to the Coronavirus Aid, Relief and Economic Security Act we can request up to 360 days forebearance without any additional fees, interest or penalties. We asked for 6 to 12 months Forbearance. So we can keep our credit outstanding and survive while our business is shutdown. They responded they wont charge a late fee but we need to pay it every month.
|
| 02/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
M & T bank merged with Peoples Bank last spring. Peoples Bank never charged people service fees- now M & T by default has moved former customers to this account and it incurs a monthly service charge if a minimum balance is not kept. There was improper notification of this, and it feels as though its an attempt to take money from clients deceptively in hopes they wont notice the withdrawal, a beach of fiduciary duty.
|
| 09/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
My account was opened on XX/XX/22 with the promotion : Open an M & T XXXX XXXX or XXXX checking account and receive a sign up bonus of {$250.00} when you set up a qualifying direct deposit of {$500.00} or more within 90 days of account opening.
On XX/XX/22 I received a Direct Deposit from my employer in the amount of {$1000.00}.
The promotional bonus was due on XX/XX/22 yet it has not been credited to my account.
|
| 04/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
It is ridiculous that M & T Bank doesn't allow someone to set up automatic bank transfers to make sure a loan payment is payed on time. This is a predatory practice so that M & T Bank can collect late fees from the less fortunate. By making someone need to print off a form and Mail it, it creates an undue burden for people. As a XXXX service member it is difficult to reach back and make sure payments are made timely.
|
| 07/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Account was opened in XX/XX/XXXX with a promo code that was for {$250.00} once a direct deposit was initiated. I inquired onXX/XX/XXXX about the posting of the {$250.00} and was informed tat the code I used was not valid for the account i opened. Supposedly the account I opened had a different code. The account opening process was done all online and the banks system accepted the promo code with the account I opened.
|
| 02/20/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XXXX XXXX, 2016, I sent by certified mail/return receipt requested a request for information of the identity, address and other relevant contact information about the owner of my mortgage loan. The certified main was delivered to M & T Bank on XXXX XXXX, 2016. M & T Bank acknowledged receipt of my information request on XXXX XXXX, 2016. I have not received a response to my XXXX XXXX, 2016 request for information.
|
| 11/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have a checking and savings account with m & t bank.
M & t bank closed and blocked access to my account for 7 days due to a check coming back unpaid. I spoke with XXXX XXXX at XXXX who told me my account was being closed with pending disputes. And that she would not let me access those funds while they are investigating because I was lying about the disputes.i was also threated with law inforcement by XXXX XXXX.
|
| 12/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 03/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage with M & T bank that contains mortgage insurance ( PMI ). My LTV is at 79 % and M & T states that they wont remove PMI from my mortgage until LTV reaches 75 %.
The 79 % LTV is confirmed by their own appraiser. Ive never missed a payment or broken any terms of the loan.
The law from what I understand is that PMI can be removed from the mortgage at 80 % LTV and automatically falls off at 78 %.
|
| 05/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
ON XXXX XXXX 2015, A VERIFIED NOTICE TENDER OF PAYMENT & LAWFUL TENDER OF PAYMENT WAS ISSUED TO M & T BANK IN RESPONSE TO REQUEST FOR PAYOFF OF MORTGAGE OBLIGATION, ALONG WITH TENDER OF PAYMENT FOR SAID OBLIGATION. ( SEE ATTACHED ) XXXX XXXX, XXXX, NY XXXX # XXXX.
ON XXXX XXXX M & T, ( ATTACHED ) NOTICED ME THAT THERE WAS AN OUTSTANDING BALANCE, DESPITE RECEIVNG AND ACCEPTING MY TENDER OF PAYMENT pursuant to Law
|
| 07/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I did attempt to open a checking account with M & T bank. But I later cancelled it due to its terms. However, months later, I received scam text messages from XXXX with the following request : " [ M & T_XXXX ]. Your XXXX XXXX is currently overdraft - {$190.00}. To review and cancel debit request, visit XXXX XXXX XXXX immediately. '' I did not respond to the request for payment. I did not access the scam link.
|
| 05/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened M & T MyChoice Premium Checking on XX/XX/22 with XXXX XXXX : XXXX Deposited {$10000.00} on XX/XX/22. Per the terms, I needed {$10000.00} monthly balance for the months of XXXX and XXXX and M & T would pay a {$350.00} bonus on XX/XX/22. The bonus still has not been paid.
Additionally, if you deposited {$500.00} you would get a {$100.00} bonus. THAT bonus was paid, so I know the promo code was attached.
|
| 06/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
XXXX XXXX Sent on XXXX from XXXX to M & T for {$1800.00} for my mortgage payment and M & T says it was never received Sent bill pay for may payment for {$1800.00} from XXXX to M & T said they never received started 3rd party investigations with both banking institutions.
XXXX is saying m & T accepted funds and M & T is saying they were rejected, meanwhile my mortgage is going on 3 months late!!
H E L P!!!
|
| 11/11/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
In XX/XX/2019, my savings account was froze due to deposits and the bank wanted to know why I'm withdrawing my own funds from my account. The bank spoke to my relative about the deposit and she confirmed however the bank have yet to release my funds that are in the account. It's about to be 7 months and this bank have not informed me that they will close the account and mail me a check for my remaining funds.
|
| 09/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hello Sir/Madam, I had a new inquiry credit report on XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 which I could n't recognize. Because this inquiry, my credit score might go down and which may affect my future plans like buying new home. Can you please inquire these inquiry and remove this this inquiry from my credit report.
Please let me know if you need any more information.
Thanks, XXXX XXXX.
|
| 05/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
i used zip code XXXX to applied checking account online on website XXXX XXXX XXXX and it shows the {$250.00} promotion is available in your area, after i signed up complete the requirement for the {$250.00} bonus, they keep telling me my region was not included in this offer.i don't accept this reason, that website was show zip code XXXX available for the promotion, i have right to get this {$250.00} bonus.
|
| 01/05/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
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.
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
Credit report indicates that M & T Bank reported a mortgage payment as 30 days late.
Contacted M & T and representative assured there would be a correction and that proper payments would be credited On XXXX a payment of {$2800.00} was made. Unfortunately the payment was credited to only one month. However the payment was clearly for 2 months.
There has never been a 30 day late payment on this account.
|
| 08/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
M & T Bank admitted to discrimination thru adverse action on a consumer extension of credit, adverse to my interests after I exercised my rights in good faith, this action is unlawful as it is unlawful for any creditor to discriminate against any applicant with respect to any credit transaction. I exercised my Right to credit protected by laws that Congress has set into place 12 CFR 1002.7 to protect me.
|
| 09/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2021, my husband and I had {$22000.00} hacked from our joint M & T Bank checking account. We immediately went to the branch and filed a Complaint. We were told that they would have the claim resolved by today, XX/XX/2021. We have not heard anything from the bank and nobody is able to give us further information. We opened up new bank accounts which have not been reimbursed for the security hack.
|
| 07/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American |
|
Recieved within a week two debit cards from M & T bank notifying me of my new M & T debit cards and checking accounts. I contacted M & T, They noted they had caught these accounts and they sent me a follow up letter urging me to contact you and local police. Opening up random accounts at various banks has been happening for a few years ever since my local parking app was breached and information stolen.
|
| 04/12/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I am about to pay off my mortgage and M & T bank sent me a payoff letter stating that I owe {$420.00} for late charges. The late charges were incurred on the previous mortgage holder, XXXX XXXX, as I was told by M & T Bank. I do not think that I owe the late charges and I asked them to show me documentation that I owed it but they said I have to prove that I do n't owe it. My loan # is XXXX M & T Bank.
|
| 02/03/2017 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I had opened a CD XXXX account with XXXX bank here in XXXX ct, They have recently been taken over by M & T bank. I transferred my matured CD to another bank and was charged {$75.00} by M & T for the transfer. That was not in my agreement with the original bank XXXX. What gives them the right to charge me a fee that I did not agree to? Also what control did I have if they decided to charge me {$500.00}
|
| 07/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
M & T bank pulled a hard credit report on XX/XX/2022 without first alerting or asking me. Nor did they tell me after. I found out " only '' from an email from a credit reporting agency after they had already pulled it. When I asked the bank why they had done that without asking me, specifying it caused my credit score to drop several points, they said that it was 'normal ' to continue a loan process.
|
| 06/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I am entitled to a credit card dispute charge back due to the fact that the contractor XXXX XXXX produced defective goods and services, caused XXXX rejections of our case at the US Supreme Court, and finally when they got it right was too late and caused us to miss the filing deadline, thus dooming us to the lower courts for litigation, not the US Supreme Court in time. Please investigate and advise.
|
| 03/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I requested to close my account. However, M & T Bank refused to do so. They claimed that it is an interesting bearing account and they could not close it. I had to physically go to their branch in order to close it. The branch they mentioned was not closed to my address and it was very difficult to find parking spot in that area. I offered to send them any documents for verification but they refused.
|
| 11/29/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
M & t bank has been charging me overdraft fees XXXX i have done the math where the deposits an credits only equal XXXX there math says that it is XXXX. There math is wrong an shaky also i was sent a letter about a substitute check policy where u can claim a refund for a returned check i did the legwork sent the letter to the XXXX new york office i got a letter today that is untruthful. Whst can i do
|
| 05/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
Paid off mortgage in full on XXXX XXXX, 2016, received a deed of reconveyance which was incorrect according to the State of Alaska Recording office. The Recording office sent it back with instructions on how to do it correctly on XXXX XXXX, 2016. I have still not received the corrected deed of reconveyance from the mortgage company and neither has the recording office. It has been almost two months.
|
| 09/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Servicemember |
|
My M & T checking account was overdrawn by {$3.00}, M & T assessed me the standard insufficient funds fee of {$38.00}. But then I was charged the another {$38.00} overdraft fee because it was insufficient for five ( 5 ) days. So for the negative {$3.00} balance on my checking account I was charged total fees of {$80.00}. : Not to mention this is supposedly the M & T account for low income persons.
|
| 04/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Add hurricane damage claim.. m & t banks requested check to be sent to them. Then sent to me. I took care of all the damages and sent the reports into m & t. They are refusing to send inspector out so I can get insurance.. And I keep getting notices that I am not making any effort and I've made no contact.. I've made every attempt sent them letters 3 times and have fixed everything with permits..
|
| 06/29/2021 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I contacted M & T bank about two of my mortgage payments on XX/XX/20 and XX/XX/20 that they are reporting as late. Because we were affected by the COVID-19 those two months should not have been reported late. When I spoke to M & T they refused to fix their error because it was already reported. I sent a good will letter to the president of the bank asking to remove them. He never responded back.
|
| 03/08/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was told by the company that they will keep money that was given to me in the form of a check to repair storm damage to the property. They only want to give me XXXX % at a time. This isn't enough money to even begin repairs. I can't get a contractor to agree to start the process.
I believe that the bank is trying to prevent me from getting repairs done, so that they can keep the entire check.
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| 09/12/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
|
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Ive payed my mortgage on XX/XX/XXXX in the amount of {$2600.00} which brought me current to XXXX, on the XXXX of XXXX a payment of {$2600.00} was applied to the account which should have brought me current to XXXX then on the XXXX of XXXX a payment of XXXX was made which should have brought me current to XXXX however theyre saying they dont see this payment even though it has cleared on my end.
|
| 03/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
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i was supposed to receive a refund {$430.00} from XXXX on the account number ending XXXX and also another refund from the checking account ending XXXX {$23.00} from XXXX and the refunds are showing pending on both of this checking account and the funds are not yet available this funds are supposed to be available for immediate used and M & T Bank Has Not Release this Funds Back to my Account.
|
| 03/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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Am having a Problem with M & T Bank with a Transaction i did not Authorize for the amount {$270.00} from XXXX XX/XX/2021 i lost my debit card XX/XX/2021 from my checking account ending : XXXX Please help me with this i open a claim with M & T bank claim number : XXXX Please help me with this i never did anything with this Company XXXX and never used my card to buy anything from this company
|
| 01/21/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
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We met with an employee ( relationship banker ) at M & T who calculated our eligibility for a home equity line of credit to be {$40000.00}. She assured us that with our excellent credit processing was a mere formality. After delay in hearing about our line of credit I stopped into the bank and was told that she had " miscalculated '' and we were only eligible for {$12000.00} line of credit.
|
| 05/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I submmited a fully document Request for a Loan Modification with mortgage company M & T Mortgage XXXX Investor XXXX XXXX XXXX to reduce my mortgage payment ; instead to consider my case for a HAMP review, they approved me for a Streamline Loan Mod that reduced my mortgage payment to 43 % of my monthly gross income ( {$2200.00} ). Also they decided to charge me {$980.00} modification fees.
|
| 12/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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M & T Bank is reporting a foreclosure on my credit report which is incorrect info.
I had an account that XXXX incorrectly started foreclosure proceedings but we went to court and they lost and we paid off mortgage balance. I have disputed this matter with credit report agency 's as well as M & T Bank however they refuse to send the verification info as to what they are reporting and why.
|
| 11/29/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
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$ XXXX was wired to my company account on XXXX XXXX, 2021 internationally. M & T bank is still not releasing the funds and refuse to send $ 650K outgoing wire internationally although we have submitted all of the requested documents to M & T bank. They keep telling us to wait until their security process is completed but it has been 2 weeks already and there is no answer from M & T bank.
|
| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
m & t mortgage reports my mortgage as closed ... it is current and open..i opened a dispute with XXXX on XX/XX/XXXX ... I did file a bkXXXX that was discharged in XXXX XXXX.the state of ARIZONA doesn't require a home loan to be reaffirmed .I have proof of all payments being made on time and never late.I want my mortgage to report to my credit as open and current not closed .Please help!
|
| 11/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
On numerous occasions I have been subject for multiple overdraft fees with M & T Bank. When transactions are pending, but I still have an available balance, I am prompt to transfer the money necessary to cover the potential negative amount. However, at least twice a month I am charged anywhere from {$300.00} - {$500.00} in overdraft fees. I would like this to be reviewed and corrected.
|
| 10/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
M & T Bank excessive delay with loan modification agreement documents not being recorded though the bank says they have. Its been 4 month now since modification has been signed, approved and notarized. M & T Bank says paperwork was sent for recording on XXXX XXXX but the recording office still says nothing has been recorded as of XXXX XXXX, 2015. Loan number XXXX, mod signed XXXX 2015
|
| 12/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
XXXX Bank has opened an account with my name three times in the past year never once doing any kind of background check or credit checks I now have to pay for service that alerted me an account was opened, and this time I was able to stop the account from continuing.
My complaint is that this M & T bank has lack of security, and has hackers opening accounts Without any repercussions
|
| 05/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
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I received in the mail on XXXX a debit card and notice to activate the card from M & T Bank. I called the banks XXXX MA XXXX and spoke to the bank manager and someone opened an account with them using my social security number. I did not open the account.
I put a credit freeze on with all 3 credit bureaus, notified my bank ( XXXX ) and called XXXX MA Police to file a police report.
|
| 09/21/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This is a follow-up to case # XXXX. I read over all the bank had to say. What they forgot to mention is that they had put up the house for sale a week prior the court date. They listed our home one week before the court date that was established to cancel the sale. This is what I 've been trying to explain to the courts and the appeal courts, but it 's like they 're overlooking this.
|
| 09/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I was rudely hung up on by XXXX XXXX and XXXX XXXX at M and T Bank headquarters XXXX XXXX XXXX. They know that my home was wrongfully sold but refuse to follow civil procedure and ignore regulations. An investigation was done by the Sheriff 's office into the fact that this foreclosure was not conducted correctly. People should not be exploited like this. The law should be followed.
|
| 10/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Mortgage loan has been resold a number of times especially since the 2008 financial melt down. Request was made numerous times to remove the homeowners insurance from the escrow. After having no response, telephone contact was made at which time the bank refused claiming that they purchased the noted with the insurance in escrow and it must remain in escrow for the life of mortgage.
|
| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I was recently denied credit and other things from company 's because the misuse of my credit report and for them not disclosing my rights for certain actions and taking actions without my consent I sent my letter t o fix the problem on XX/XX/2023 they have committed fraud and for that I couldn't get the securities I needed for me and my family that caused a great affect in my life
|
| 06/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XXXX XXXX charging me for XXXX XX/XX/2022 in addition to XXXX charges, I did not authorize XXXX to charge me. I was double billed XXXX, XXXX, XXXX, XXXX, XXXX, for which XXXX refunded only XXXX and XX/XX/XXXX.I have requested multiple times refunds for those months of XXXX XXXX XXXX, with XXXX denial per their terms and conditions. I maintain my consumer rights have been violated.
|
| 05/21/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
Issues wereXXXX. M & T Bank requested our credit report without our approval.
XXXX. M & T Bank dispersed out property tax payment on XXXX XXXX, 2015, however the did not actually pay our taxes to the XXXX XXXX County Tax Assessor. Eventually we were able to have them pull our payment from their pending wire transfer and refund us. They did not pay us interest until we complained.
|
| 05/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I learned that at M & T Bank, lost debit cards are not replaced with a temporary while waiting for a permanent card by mail. This could take a week or longer and in the meantime, there is no access to funds held in the account except by ATM ( for which there is a withdrawal limit ) or withdrawing funds through a bank teller but only during hours of operation.
How is this legal?
|
| 08/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
M & T Bank did a forbearance with me for 6 months. when it ended, I sent in my monthly payment, for XXXX, they send it back stating in order for me to keep my house, it would cost me XXXX in order to keep me house. Otherwise, they would start foreclosure.
I am XXXX, have been in my house for nearly 30 years, I don't want to lose my house.
I need some help XXXX XXXX XXXX XXXX.
|
| 10/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
I had a co-op mortgage in XXXX from XXXX XXXX in XX/XX/XXXX that was assigned to M & T Bank via XXXX XXXX via FDIC. I sold the property and discharged the mortgage in XXXX. The mortgage still appears on my UCC forms in XXXX, even though common sense tells you that I'd have refinanced a high rate or that a 30-year obligation would have come due. Nobody bothered to file the forms.
|
| 01/27/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Web |
Older American |
|
a certificate of deposit which I have left to automatically renew for over ten years recently went dormant. The only way I found out what happened was to ask the XXXX bank and trust why I did not receive the monthly statement. I think they should have notified me first. I understand there can be legal complications which arise from dormancy. Do n't think this should be allowed.
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604 a section 2. It also stated a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 11/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
|
| 11/06/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I have filed separate complaints over {$38.00} fees charged for insufficient funds. Now M & T is charging multiple fees for just XXXX order. I made XXXX order from XXXX. The order is processed as shipped so there may be XXXX or XXXX debit charges for XXXX purchase depending on how many box 's. How can M & T charge multiple times for just XXXX purchase? This theft of my funds.
|
| 06/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I had 3 accounts and think started to get put on my XXXX XXXX that was not me and then I finding out that they let them do this with out a card number a email address only I ask how is that possible and con I told XXXX and XXXX and XXXX to stop letting that happen and then didnt even do it its really annoying and sad I had savings count all wiped out and I dont no what to do
|
| 08/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Car was paid off on XXXX and I havent received the title. After calling a few times the representatives says the title release will be delivered after ten days. Almost 30 days after I still waiting for the title and they keep telling me the same thing over and over. This is not the first time that M & T has failed to their word. I want to close this chapter once and for all.
|
| 01/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
XXXX XXXX who is on this mortgage died suddenly I was not on the loan at all I am filing to be personal rep of his estate I am filing that in the morning with the court. I have not been able to since the weather has been so cold and snowy.
I will request that the Judge orders a stay on the foreclosure and eviction.
I am XXXX old and have medical problems and no assistance
|
| 02/04/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We filed complaint with the cfpb # XXXX with no resolution. Then we sent them a check from our insurance company for XXXX dollars. We signed and put on check for deposit only, with our account number and a deposit slip and a self addressed envelope for our XXXX account. They cashed it and only sent us XXXX. They had no right to cash that check or hold any of that money.
|
| 05/12/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
IRS economic relief payment scheduled direct deposit verified on irs.gov to direct deposit XX/XX/XXXX. No check was received nor any notice as to status or why it was not received. M & T is denying receiving it and they and I both verified on the IRS website that I was to receive a direct deposit of {$1200.00} on XX/XX/XXXX to my account. It is now XX/XX/XXXX. Nothing.
|
| 08/16/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My name is XXXX XXXX and I have been looking to try to obtain a loan modification for the last 1 year with my bank M & T who I am confident do not have the original promissory note, I was denied last on XXXX XXXX2017 and I was not given a specific reason why, since XXXX XXXX XXXX has not done much to help and I feel that they are violating my Home Owner Bill Of Rights.
|
| 08/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
We have mortgage with the M & T Bank for our property located on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We paid {$150.00} more with our XX/XX/XXXX mortgage payment for the shortage in the Escrow account. My wife called M & T Bank and asked them to deposit this additional amount of {$150.00} to the Escrow account. But they did not deposit this amount in the Escrow account.
|
| 01/07/2017 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
I sold my house ( XXXX XXXX XXXX XXXX, XXXX, NC ) and closed on XX/XX/2016. I wrote a letter dated XX/XX/2016 ( see attached ) to M & T Bank, the mortgage company, requesting the " Recorded Release of lien for the property/Recorded Certificate of Satisfaction from XXXX County NC Register of Deeds ( See attached ). Have not received the original note either.To no avail.
|
| 03/25/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
Older American, Servicemember |
|
Money was diverted from my unemployment benefit payments to routing number XXXX account number XXXX I do not own that account, and I have never banked with M & T.
Someone diverted my unemployment direct deposits to that account and M & T will not take a complaint or make an effort to explain how this happened.
My Name is XXXX XXXX XXXX number is XXXX XXXX XXXX XXXX.
|
| 09/28/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
M & T mortgage required me to send my Fire and Casualty claim check to be held in escrow for home repairs. My damages were XXXX XXXX and they hold my money even though i have been displaced. I am not going to have a place to live due to the amount of time it has taken to get started on my home repairs. They have my check for {$44000.00} and are in no hurry to help me.
|
| 07/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am making this complaint because the bank said my mortgage insurance was removed effectiveXX/XX/XXXX. However, the bank still made me pay for mortgage insurance in XXXX because they said it takes 30 days to process the removal. I've never heard of that before, nor was that ever disclosed to me. Why am I still paying for mortgage insurance in XXXX if it isn't there?
|
| 03/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
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
|
| 10/28/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage payments are currently being processed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They processed a payment on my behalf on XX/XX/22 that was intended for the XXXX mortgage payment and that payment has not been applied for over 30 days now. Additionally another payment was processed on XX/XX/22 and also has not been applied to the mortgage.
|
| 11/05/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Hello, The past four ( 4 ) years I have been making pre-payments on property taxes so that my mortgage payment won't increase.
Please see attached pdf files where I have been communicating with M & T Bank this year that I made a pre-payment of {$1300.00} and to only pay {$1400.00} from Escrow.
My mortgage payment should not be increasing.
Sincerely, XXXX XXXX
|
| 04/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
tried send money from my m and t bank with XXXX to XXXX XXXX to my account ... I guess for some reason it flaged a security thing because my m and t online banking login is blocked now I called XXXX XXXX and they are working unlock so just this is For m and t to tell the bank It was me who did the XXXX Im confirming, please unlock my online banking thanks XXXX XXXX
|
| 11/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
M and T Bank now deny that I ever had a loan with them. They claimed they have nothing to do with the taking of my house. I was called today by the lawyers at M and T and they claim they have no record of them ever being involved even though I'd been in touch with XXXX XXXX and XXXX XXXX at headquarters for some time now. I was promised a resolution but got none.
|
| 08/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I do not recall paying my M & t mortgage 30 day late. This account was first serviced by XXXX XXXX and mortgage was sold to m and t. I have no past due mortgage and I always pay on time. I need that 30 day late removed from three reporting credit bureaus XXXX, XXXX and XXXX. This has caused lot emotional stress. Please assist with this 30 day late removal.
|
| 01/05/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
XXXX filing complaint due to missing payment from XXXX XXXX for the month of XXXX my payment has not been applied to my mortgage spoke with XXXX XXXX who stated my payment was sent out via mail same as past payments my account is 35 days past due and I have escalated with XXXX to investigate payment which is in process but was told bank should have payment
|
| 10/23/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I was a victim of XXXX scam for a total amount of {$3800.00} and I explained the issue with my bank and they have yet to refund me. Im a current XXXX XXXX with no income and now suffering financial and have issue paying my monthly bills XXXX XXXX XXXX XX/XX/2022 {$560.00} XX/XX/2022 {$1000.00} XX/XX/2022 {$800.00} XX/XX/2022 {$800.00} XX/XX/2022 {$560.00}
|
| 07/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
M & T Bank is imposing a charge of {$420.00} due to their merge with Peoples United Bank.
as customer I am not responsible how to run their business. I did not have any loan modification nor have signed anything.
" We are the successor by merger with Peoples United Bank ( PUB ) effective XX/XX/2022 ''. it's very clear their predatory business practices.
|
| 02/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid off this loan on the XXXX of XXXX with a Check in the amount of {$34000.00}, check number XXXX. The bank states that the check cleared on the XXXX of XXXX. M & T Bank maintains that the check has not cleared. This loan should be paid off now. They have a balance reporting on my account. And they posted a let fee onto my account and my credit report.
|
| 01/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have been trying to transfer/close my account with M & T bank for a week and they keep declining my transfers. I messaged them and they wouldn't provide any details. I tried to call but the person I talked to was no help and gave very vague answers. I want to transfer my money and close my account with them. Too many hoops to jump through with this bank.
|
| 10/01/2023 |
Yes |
- Mortgage
- Manufactured home loan
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
i requested my monthly statements for 8 consecutive years but they will not comply.but they rather foreclose on me to take my property from me and after XXXX of staying i was told i have no equity in my home and they have taken it upon themselves to extend my mortgage for another eight years the company name M & Tbank my account number is XXXX please help
|
| 05/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
M & T bank emailed be and said I would be receiving my new debit card in the mail, I received it to today and called the bank to tell them I didn't not open and account or request a debit card. When I first received the email, I reported it as phishing.
The bank said it was opened in my name, with my ss # and correct address, they removed to debit/acct.
|
| 01/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Signed up for a new account since I needed a local bank in the XXXX area. As advertised, I used the code XXXX to sign up and receive a {$200.00} new account bonus which would be paid out 90 days after the account was opened if you met the terms.
I met all the terms, but have not yet been paid out for my bank account bonus related to their advertisement.
|
| 12/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
M & T Bank misidentified a charge as fraudulent activity and froze my account. When attempting to resolve the issue, customer service could not help me, and referred me to the fraud department, which is not answering phones. I have been trying to resolve this for over XXXX hours and most recently have been on hold for XXXX minutes ( and still waiting ).
|
| 07/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I had Fraudulent activity on my account in XX/XX/XXXX the amount of {$82.00}. I received a letter today indicating my claim was denied due to the fact my card has a chip and according to them it is impossible for fraudulent charges. Clearly that ia not the case since I KNOW I DIDNT MAKE THOSE CHARGES. The Company is now reversing the provisional credit.
|
| 11/30/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I submitted a request for loan modification on XX/XX/2020. I was advised of additional documents that I need to submit, and I agreed to submit them within the given timeframe of 30 days. I was about to submit the additional documents they require from me, when I found out that they have already closed my application, wherein it hasn't been 30 days yet.
|
| 03/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Hello I opened a bank account and was waiting for my debit card for M & T bank but I never received it and they also sent a pin with a separate mail I also never received it unfortunately so the has been 8 unauthorized transactions each for {$1000.00} that i was denied after I tried to dispute those are form XX/XX/23 to XX/XX/23 it says atm withdrawal
|
| 07/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
M & T Bank has a 30 day late payment on my report for XX/XX/2017. This information is incorrect as I should have 100 % payment history on report. I reached out to M & T bank they could not pull my records the first call. The 2nd call I was told that they do not and can not remove the item.
I would just like this incorrect info removed from my report
|
| 02/16/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I have had m & t as my bank for many years. Every year 2 times a year they take from my account {$14.00} for direct deposit. My checks are directly deposited very month. I called them yesterday about it and they refuse to reimburse me. So for over 10 years they did this and it cost me XXXX dollars a year. It 's due to their computers. Not my checks.
|
| 09/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
My car was broken into. My phone and wallet were stolen. Transactions were being made with my phone and card for over 2 weeks before I noticed. I filed a police report and alerted the bank I have yet to hear back from them other than theyre closing my account. This still doesnt resolve the problem of over XXXX dollars being stolen from my account.
|
| 02/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Homeowner has been denied modifications and modification review has been delayed because M & T Bank continues to ask borrower for divorce paperwork ; however he was never married to the other owner. A quit claim deed was provided by homeowner multiple times and lender continues to ask for divorce paperwork that is not applicable or does not exist.
|
| 09/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
M & T Bank enrolled us for biweekly payments which were supposed to be auto payments from our account. They failed to execute the auto payment we were enrolled for in XXXX and did not notify us of their failure to execute the payment. They only reached out to one phone number which was erroneous in their records after the payment date had passed.
|
| 03/30/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
M & t mortgage received a payment from HAF on XX/XX/XXXX and has not applied it to my account I was told to pay the difference {$140.00} and then the full payment would be applied totaling {$1100.00} I called made two escalation for the payment to be applied and it has not been fixed and my account is saying Im 29 days past due for XXXX payment
|
| 07/22/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I paid {$5000.00} into the persons account at M & T for car purchase since XX/XX/2020, till date my car wasnt delivered, either was my money refunded since then till date I keep calling no response, Im just been ignored I call everyday, text Nothing changed ... The person name is XXXX XXXX with account number XXXX M & T bank, phone number XXXX
|
| 12/02/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I applied for loss mitigation help with M & T Bank. They denied the request because I had a short term lease that became month to month. They said this was not stable income.
I reapplied with a new year long lease and they say they will not look at the application and I am not able to reapply until XX/XX/2017 with no reason for this provided.
|
| 03/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
credit information older than 7 year if neg is suppose to be removed.the account i had with m & t bank was removed from XXXX and XXXX with in two days the first late pay was XX/XX/XXXX and was supposed to be removed last year. i have filed 4 disputes so far with XXXX and the company m & t bank keeps changing the dates to XXXX and to XXXX.
|
| 03/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/2018, I opened an M & T Bank Account based on an offer displayed online -- coupon code " TN ''. Immediately after opening the account, I was informed the coupon " TN '' did not apply correctly, and therefore the bonus will not be applied to the account after direct deposit, even though it was advertised and opened based on the offer.
|
| 05/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XX/XX/13 M & T Bank closed my savings and checking accounts totaling {$38000.00} without warning or explanation. Two very active accounts with money constantly moving in and out of those accounts just suddenly gone sending me scrambling. I have not received the balances and don't know how or when to expect my money from this institution.
|
| 01/31/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I made extra payments as they stated to do to pay the principal balance and they refused to apply the extra payment towards the principal as they stated it would be. Spoke with XXXX XXXX refused to correct what was supposed to be applied to the principal balance.
I was told by XXXX that the bank policy overrides any laws federal or state.
|
| 11/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
On three separate occasions over a one week period ( XXXX through XXXX ) I have received three debit cards- referencing three new accounts opened in my name from M & T Bank. All accounts were opened On-Line using my name, address and SSN. The Bank has finally placed fraud alerts so that no other accounts or cards will be issued in my name.
|
| 07/11/2017 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My mortgage was paid in full in 2013 and my mortgage company has failed to report this, my credit has suffered miserably as a result. I have reported my mortgage company a number of times to the Attorney General of my state, your organization, the US Comptroller and anyone who would listen with no results and no help.
Please help me
|
| 05/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We have a mortgage for our property located on XXXX XXXX XXXX in XXXX XXXX CA. with M & T Bank. I send mortgage payments from XXXX XXXX XXXX online payments regularly. The M & T Bank is asking for late chargers, even though XXXX XXXX XXXX processed ( delivered ) payment on XXXX XXXX, 2016.
Please see attached report from XXXX XXXX XXXX.
|
| 09/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
M & T Bank just migrated the accounts of Peoples Unite Bank over the weekend. Since the transfer I have been unable to access my funds online to pay bills or transfer money between accounts. In addition, M & T is not answering their phones and the staff at my local branch is unable to figure out what is wrong. I need access to my funds.
|
| 09/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Please help me.
Someone stole my identity and has been opening accounts in my name for the past several months. I have NEVER lived outside of Delaware. There is a XXXX OH address on my credit reports- it's not accurate. They have used that address to send credit cards to.
I do not bank with Bank XXXX XXXX, XXXX XXXX, XXXX or M & T.
|
| 10/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I signed up to a M & T bank account based on a promotion that guaranteed {$200.00} if you set up a qualifying direct deposit of {$200.00} and more. The code to the promotion was given me at XXXX CT. I had qualifying direct deposit for more than {$200.00} and still after more than 3 months, the bonus has n't been applied to my account.
|
| 07/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/2019 XX/XX/2019 XX/XX/2019 Had An insurance claim during the hurricanes, Had everything repaired and within the time needed 90 days. M and T bank and insurance company had communication issues which caused a 2 month delay of transfer at no time. M and T had been taking Penalties From my escrow and charging me on my bill. Theft!
|
| 09/23/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Credit application denied as result of credit score but my credit score was fine when they ran my score. I went into COVID forebearance with M & T bank. I initially asked is that okay and would it have any impacts on my application. They said no and continue to run my credit and deduct {$500.00} in mortgage fees for my bank account.
|
| 08/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
CFPB complaint # XXXX about M & T BANK The following is a continuation on this account with CFPB.
I, XXXX XXXX received the re-issued check for {$460.00} yesterday, XX/XX/XXXX.
The M & T check # XXXX was a re-issue of check # XXXX from XX/XX/XXXX.
What I didn't receive was the escrow from M & T using my money for almost 4 years.
|
| 08/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received a debit card in the mall to a bank I have never heard of. I called them and they said that it was opened with my correct name, address, and social security number. They said there was approx. {$2000.00} in the account. I also received letters that some kind of transfer of around {$2000.00} from this account was declined.
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Since XX/XX/XXXX every 7 days someone been trying to open a credit card, checking and online account in my name at XXXX credit card. Since XX/XX/XXXX to XX/XX/XXXX they try 16 times. I spoke to a fraud representative at discover, XXXX XXXX and m & t bank card and they are looking into the situation and also put an alert on my name.
|
| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I called XXXX XXXX and they agreed and sent me proof that I do not have any 30 day late payments with them. XXXX and XXXX updated my credit report to show that I never had any late payments with XXXX XXXX. However, XXXX continues to show that I have a late payment on with XXXX XXXX and has not removed it from my credit report yet.
|
| 09/12/2022 |
Yes |
- Checking or savings account
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello : I am based in XXXX XXXX People 's Bank has been recently bought out by M & T based in NY . During the change over to M & T, my line of credit was closed with Peoples Bank which is now creating a lower credit score. I'm hoping that this can be amended so that my credit score can move back up.
I look forward to your reply.
|
| 02/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have a plan with XXXX XXXX XXXX XXXX. This plan does not allow for automatic pay to be set up. Automatic pay mean money out my bank Account automatically every pay cycle. Some how one of XXXX XXXX XXXX employees manage to take money out my bank account which had to bargain by M & T bank. Therefore this was consider bank fraud.
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
there are two accounts on my report that do not belong to me.
CREDITOR : M & T BANK ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$0.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX CREDITOR : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$6000.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX
|
| 03/11/2021 |
Yes |
|
|
|
Web |
|
|
We was approved for a mortgage for XXXX the house we was looking at was XXXX at first Was told we live too far from the property now theyre saying that we dont make enough money for the loan and the loan is too big for what we ask her for but we was approved for XXXX and the loan is XXXX we were short application fees appraisals
|
| 10/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
i deposit a check into my account on XX/XX/2023 {$300.00} and today is XX/XX/2023 and the check still has not cleared from my account please help me with this i contacted M & T Customer Service and they denied to release the funds on my Payroll Check and wont allow me to withdrall the funds from my account or fix this problem.
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
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.
|
| 08/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX,. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 03/14/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I entered in loan modification program XX/XX/XXXX. I was only 9 months behind in mortgage. I am currently selling my home. the Partial Claim amount is {$66000.00} due by XX/XX/XXXX. If I am paying off the loan at the end of this month why does the amount remain the same? I've only been in the modification for XXXX this XXXX.
|
| 01/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We filed multiple disputes regarding XXXX XXXX XXXX XXXX, our original lender and M & T Bank, the bank that acquired both XXXX and our loan on XX/XX/XXXX M & T 's XX/XX/XXXX letter was non-responsive. They have no addressed concerns or fixed the mortgage errors I sent M & T a letter directly disputing their XX/XX/XXXX Letter
|
| 03/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
They flagged my account for fraud. There is a block on my account. However, I have never, nor would I ever attempt, fraud or scamming. I dont care if they close the account or not, but I just received my paycheck from my place of employment and I have no way to access it. I just want the money that is rightfully owed to me.
|
| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
As of XX/XX/XXXX, the unauthorized credit inquiry is STILL on my XXXX report.
A resolution package dated XX/XX/XXXX stated that the unauthorized inquiry would be removed " within 30 days and will not appear to any creditor requesting a credit report from a credit bureau '' This inquiry still shows up on XXXX XXXX as well.
|
| 07/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I'm writing to please ask for some help to get this fraudulent item remove from my credit report it is causing a lot of heath issues i have XXXX XXXX XXXX i have to get alot more medication because of this fraudulent account on my credit report its the next step i will have to get my attorney to help me out about this issue
|
| 12/05/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage with M & T Bank. I have gone through bankruptcy and have had a modification. A program I thought was suppose to make home affordable. Instead, my mortgage continues to increase and I am not understanding why that is. I want and need to know if M & T Bank is acting accordingly when it comes to my mortgage.
|
| 03/29/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
|
| 08/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
i Made a Payment Today {$40.00} at The M & T Bank Located XXXX XXXX XXXX, XXXX XXXX, NY XXXX for some reason the payment did not post to my Credit Card account and i am very Upset about this and my Payment is Due XX/XX/2021.
and for some reason customer care cant see the payment on my credit card account ending XXXX
|
| 10/10/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
M & T Bank paid for a years worth of taxes when they were only billed quarterly by the town. They said they tried to take advantage of a 2 % discount on the taxes but because this overdrew my escrow I now have a shortage of {$3200.00} that increased my monthly payment by {$260.00}. They arent doing anything to fix it.
|
| 06/23/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
My mortgage was transferred from XXXX to M and T Bank effectiveXX/XX/XXXX XXXX. M and T bank charged us a XXXX fee with our XXXX payment to them.
They claimed it was from XXXX bank, but we did not have a balance with XXXX.
Our account was up to date. I called them and they refused to remove the charge.
account XXXX
|
| 07/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
We literally had to drive down to a local M & T Branch in order to obtain my bank statements and copies of checks in order to do our taxes ( they wont provide online or after a phonecall request ). These XXXX still have not either mailed or sent these to us in weeks, and time is ticking. Truly the worst bank ever.
|
| 10/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 09/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
I just went through a bank merger from Peoples United to M & T bank. Upon access to my new online account, I discovered incoming ACH payments are displaying the senders social security number.
I tried calling them but I can not get through on the phones because they are flooded with issues related to the merger.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with fair credit reporting act Ive contacted them asking for proof of contract or application for an approval none can be provided 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions.
|
| 01/07/2024 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
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.
|
| 06/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received multiple calls from several banks yesterday and today ( XX/XX/XXXX and XX/XX/XXXX ) about new account opening, while I have not opened any new account.
I have also received a mortgage account login attempt -- I already updated the password but worried that the fraud & identity theft is still ongoing.
|
| 03/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received a debit ATM Visa card from M & T Bank today XX/XX/XXXX. I do not have any funds at M & T Bank. When I called they said someone tried to open an account under my name. They closed the account. They told me that someone has my personal information and tried to open a bank account with that information.
|
| 01/24/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
My home was reposessed on XXXX/XXXX/2013, by M & T bank out of XXXX NY.XXXX after years of stalling. by M & T Bank non help on refinancing my loan, they kept asking for the some old paperwork over and over till they foreclosed.can you look into this Company for lapse in judgement, to help struggling home owner
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below M & T BANK XXXX and XXXX, XXXX. XXXX
|
| 02/28/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was approved for 18 months of assistance from the homeowners assistance fund. Payment has been sent to M & T bank but not posted to my account. Payment was sent to M & T on XX/XX/2023 by Florida HAF and M & T still has not posted the payment to my account. My mortgage is now 27 days due to their negligence.
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I called M & T bank many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.
|
| 10/01/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
i have been a customer and investor at the XXXX branch XXXX, XXXX M & T bank since they opened years ago.
when withdrawing {$6000.00} from my checking account XX/XX/2016 i had an unpleasant experience with XXXX. he was arrogant and condescending, and evidently does n't care if i bank here or not.
thank you.
|
| 10/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, a cashiers check in the amount of {$15000.00} was deposited at The XXXX, New York branch of M and T bank. The check was cleared on XX/XX/XXXX but the local branch is investigating the check can not tell me why can not tell me when and told me that it was numb available as to why it was locked.
|
| 05/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
M & T bank keeps calling my cell number demanding payment on a credit card for which Ive never had. In fact, Ive never ever done business with them. They are extremely rude & aggressive & I have asked them repeatedly to stop calling me & they will not stop. AND, my cell phone number is on a do not call list!
|
| 06/05/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
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|
We closed a Child 's Savings account in XX/XX/XXXX . M & T c ontinued to charge the account. My daughter and I went in together in XX/XX/XXXX . We are now receiving statements with a negative balance. We seem unable to close this account even though we went in numerous times in an effort to do so.
|
| 08/25/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Please review attached documentation.
First notice of dispute with debt validation request sent on XX/XX/2020 - no validation response from M & T Bank Second notice of dispute sent on XX/XX/2020 - no response from M & T Bank 2nd Debt Validation Letter sent on XX/XX/2020 - awaiting response from M & T Bank
|
| 10/31/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
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|
Web |
|
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The law firm of XXXX have contacted my family members in an attempt to reach me to collect a debt. This has upset my family, and me, especially after they are trying to collect a debt that is more than five years old, and after being requested to submit any correspondence and contact information in writing.
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| 12/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American, Servicemember |
|
Received a letter from M & T Bank, stating that they are closing my account. Reached ou to them, but they were mute on the specific reasons in doing so.
The following are the facts : Open the account about 8 months ago. NEVER have I submitted a false check deposit. Maintain a balance of about {$4000.00}.
|
| 05/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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In Complaint XXXX M & T sent a 68 page response to my complaint but never addressed my complaint that I am on my mortgage. All they address is contact to my late husband but the original bank addressed everything to me after my husband passed away. M & T took over the bank but has ignore this MAJOR issue.
|
| 05/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
Received a text message from M & T Bank for a one time passcode. I do not have any accounts with M & T bank. I tried to call their fraud department but just sat on hold for XXXX minutes. On XX/XX/27 at XXXX est. I gave my address but since this is fraud app they usually dont use the true parties address.
|
| 05/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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|
Mortgage payments made monthly since loan modification in 2014. Was notified by XXXX XXXX XXXX XXXX in XXXX that a past due amount was owed {$6700.00}. XXXX XXXX XXXX XXXX is sub serviced by M & T Bank in which that is where the loan payment has been going. I have copies of every payment made since 2014.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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My credit report is still showing late payments on XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
|
| 06/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I been requesting a new debit card several times by secure message and they didnt follow my instruction, I called custoemr service and the call has been transferred like 3 times, waited more than XXXX minutes and then was disconnected.
Please proceed with a new debit card to my mailing address on file
|
| 02/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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I feel Iike M & T Bank is trying to unlawfully obtain my signature for the note on my property. They are asking me for my note when I feel they should have had if I owed them. I feel like something is not right. They have been charging this whole time with out ever having the note in there possession.
|
| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXXXXXX
|
| 12/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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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
|
| 03/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This account is showing as a charge off real estate loan on my credit report. This should not be report as such as I never had any reason to get a real estate loan as I lived Im apartment. This account has been charge off and sold negatively affecting credit and preventing me from moving forward.
|
| 01/25/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
Older American, Servicemember |
|
Hi in 2015 I opened a cd with XXXXXXXX XXXX XXXX 5yr term at 1.95 APY 2.0 the bank changed hands it is now m & t there interest rate is1.95 APY is 1.97 the manager and teller said the forumular is the same.When m & t bank toke over XXXX XXXX then said they would honnor the cd from XXXX city.HELP
|
| 04/16/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
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M & T bank put a hold on a bank to bank transfer for {$9000.00} and are holding my money in limbo for almost three weeks. I have call to release the funds or transfer back. No response from them on calls and messages. No explaination. They sent me a form again with no explaination. I need funds.
|
| 07/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
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|
Web |
|
|
I am unable to log into my mobile banking app. When working with M & T bank to solve the issue they told me that they were having problems confirming my identity in their records, but after confirming my identity in-person at the branch I was still unable to log into mobile banking on my phone.
|
| 06/23/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
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We relocated to XXXX and want to close our bank account in XXXX NY. We call them to let them know that we no longer need the accounts but they ( M & T ) reps wo n't close the account. On top of that they keep charging service fees and other fees on the accounts.
This is rediculous please help
|
| 05/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Hello, I opened a checking account with M & T bank on XX/XX/2022 based on a flyer that was sent in the mail to my home. It offerred a bank bonus of {$350.00} if I deposited {$10000.00} and left the funds for XXXX months. I deposited the {$10000.00} on XX/XX/2022. I have not received the bonus.
|
| 06/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
|
I have gone through a trial modification of my mortgage for the past year and a half when i sent my mortgage payment to M & T bank they sent the check back stating my home was in foreclosure since that time i have sent them proof of my cancelled checks and they have just been dogging me around
|
| 06/24/2023 |
Yes |
|
- Trouble during payment process
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|
Web |
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|
Unexplainable charge : XXXX XXXX XXXX + {$420.00}.
M & T Bank want me to comply w/this charge. M & T Bank insit the part of the loan. I never request or authorise any changes or even moved of institution. This mortgage was transferred from XXXX XXXX XXXX which it was acquired by M & T Bank.
|
| 10/12/2015 |
Yes |
|
- Loan servicing, payments, escrow account
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Web |
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I have submitted a Declaratory Judgment, & Slander of Title complaint with the Superior XXXX Office. I have written several letters to the M & T BANK requesting specific information related to my mortgage/security. I have requested they answer specific detail facts that I am entitled to know.
|
| 08/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
I just purchased a home. My mortgage was bought from the lender by M & T Bank. My first payment is due XX/XX/XXXX. I followed the instructions to set up my account and get an account can not be verified error. I called numerous times and got no answers from the bank. Sick of the run around.
|
| 07/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
|
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Bought XXXX XXXX XXXX XXXX on XX/XX/2007. Struggled for 7 years to pay about 1000.00 per month. Argued about late charges went to court settled for XXXX over a year ago still have no title and can't use car. M and T bank have lied to me, harassed at work and threatened me with bodily harm.
|
| 04/06/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I received a letter stating Wilmington Trust holds the note on my mortgage I believe this to be false, the originator of the loan is XXXX which went bankrupt a month after I closed on my home, currently it states they still own my XXXX mortgage yet XXXX XXXX XXXX serviced my XXXX mortgage.
|
| 10/10/2023 |
Yes |
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
First of all, my first complaint was closed and never resolved. The mortgage company has successfully tanked my credit score and any future my family and I had. The fact that a mortgage company ( or ANY company ) has the ability to financially ruin a person is morally and ethically wrong.
|
| 09/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XXXX XXXX, M & T Bank erroneously posted a cash withdrawal made to my account made by another customer in the amount of {$1300.00}. Despite numerous contacts and visits, they continue to break promises over times to get the reversal posted and I am denied access to my rightful funds.
|
| 11/02/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
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|
Web |
|
|
The FBI MUST BE NOTIFIED!!
AND POLICE DEPARTMENT!!
M and T bank won't credit account!!
XXXX. XXXX. XXXX. And XXXX. To landlord. And airline!! And XXXX. To owner!! Was STOLEN. Was under Threat duress and cohorsion.
XXXXXXXX XXXX XXXXXXXX XXXX Going to court if nothing is done soon.
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
M & T bank is reporting charged off account on my report for about {$500.00}. I have never received any collections about this account. I have never had a M & T bank account. I reached out to find out more about this account and theyve been unable to assist me in resolving the matter.
|
| 12/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
There are six ( 6 ) financial institutions on my Credit Report that have done, all dated XXXX XXXX, 2017, HARD INQUIRIES. They are : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I did not authorize them. I only authorized XXXX XXXX to do the Hard Inquiry.
|
| 08/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited a check by mistake they have the account on hold for 3 weeks now I cant take money or use my card I have my son SSA money in there they wont give me further information this is giving me XXXX I need for them to release the money and close my account or unfreeze my account
|
| 12/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The bank that holds my mortgage is showing my account as 30 days late from XXXX 2017. I explained to them that it was an error on their part but they did n't reflect my account in good standing. I take pride in making timely payments and wou me appreciate your help with this matter.
|
| 11/30/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I had a earth quake loan that m & t bought .I have been paying the amount per month required. all of a sudden they they tell me the loan has matured and they want all of the balance. on XXXX i was sent back a XXXX payment the letter said the payment could not make account current.
|
| 05/10/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
i was forced to file bankruptcy to save my home when i tried every avenue just because my mortgage company wanted my home by stop sending me my monthly statements for a year since back in XXXX i have been under bankruptcy since XXXX with no help or assistance and no where to turn
|
| 09/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my checking account on XX/XX/22 with XXXX XXXX XXXX. I have maintained the required {$10000.00} balance for the months of XXXX and XXXX, and the requirements were that M & T would pay the bonus by XX/XX/22. It is now XX/XX/XXXX and M & T has not paid the {$350.00} bonus.
|
| 03/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
On XX/XX/2023 a Checking account was open using my personal information. I contacted the company about this matter but couldnt get in contact with anyone over the phone so I went into a branch, they informed me the someone used my personal information to open an account online.
|
| 04/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
M & T bank is charging customers {$50.00} to close their accounts if it's within 6 months of opening the account... The bank is hostile, rude and incompetent where i live and I shouldn't have to pay them to terminate service with them for being a XXXX bank ....
Is this legal?
|
| 06/13/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was unemployed fromXX/XX/XXXX throughXX/XX/XXXX. During this time I fell behind with my mortgage. I applied for a modification and was denied based on M & T Bank internal requirements and not FHA guidelines. I was told that I need my mortgage payment to be 40 % of my income.
|
| 07/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Received a spam text message from XXXX as follows " ( XXXX-Alert ) You recently scheduled ATM Withdraw Using XXXX Pay XXXX - XX/XX/22. if this was NOT you visit XXXX. ". I do not bank with XXXX XXXX and do not own a XXXX phone. I genuinely believe this is spam and fraudulent.
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
Inquiry of my credit report were made to financial institutions without my knowledge.
The institutions were : M & T Bank, XXXX XXXXXXXX XXXX and XXXX XXXX.
Plus other financial institutions.
Froze all my credit reports.
Put dispute resolution in the credit bureaus.
|
| 05/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Bank is attempting to force me into an overdraft situation by charging me fees but not allowing me to deposit or withdraw to account.
Bank is violating Truth in Savings Act by not allowing access to statements.
Bank took over {$200.00} in fees and provided no services.
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have submitted an account investgation with all 3 credit reporting agencies about 3 delinquent payments on for my mortgage that are incorrect. 3 time my mortgage company came back and stated that the information was correct, even though I have evidence to the contrary.
|
| 12/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
M and T Bank- charged up to 3 times for insufficient funds for 1 description and anytime they feel like it, they manipulate your account so you will be charged added fees. money can be in my account and I will be pending for more than 3 days before they deduct my money.
|
| 01/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I received a notice dated XX/XX/2020 that my account # XXXX has a negative balance of {$40.00}. This account was previously closed with a {$0.00} balance. I went through the proper procedures to close the account and now I am getting this letter. This is ridiculous.
|
| 05/14/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My loan was sold from XXXX XXXX to M & T Mortgage I was told it would be the same loan.Then Iam trying to make a payment before XX/XX/XXXX on XX/XX/XXXX and they will not accept it saying the send a demand letter and now have to pay the full amount by end of month.
|
| 01/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Spoke with a representative on XX/XX/XXXX, was told I could still deposit funds to counteract overdraft.
My account was negative by XXXX - Now a refund of the fee is being declined.
I 'm supposed to pay XXXX for a XXXX mistake?
This is why consumers hate banks.
|
| 10/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On or about XX/XX/2021, I opened a checking account at M & T Bank located bat XXXX XXXX XXXX XXXX, New Jersey XXXX. I have not received a banking statement documenting my deposit/transaction and I voice my displeasure. I would like to receive monthly statements.
|
| 01/16/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Earlier in XXXX someone changed my address and received my XXXX check then deposited it into her sole bank account at which time she was credited the money. The bank was made aware of the situation and still in XXXX XXXX the bank has not returned my funds to me.
|
| 07/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I was deposting into my checkings account and was waiting for my check to be available and they told me that i have wait, som im waiting next you know my account was on hold and they said someone from the branch locked my account and it hasnt be unblocked since
|
| 07/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response.
MTBANKES XXXX
|
| 03/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My mortgage was initially a fixed rate mortgage with XXXX. Then it was switched to M & T Bank. Somewherealong the line the fixed rate went to a ARM Mortgage. I never signed anything to switch from a fixed rate to an ARM. I think I have been a victim of fraud.
|
| 11/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
On XX/XX/21 I received an ATM debit card for M & T Bank for me to activate to an account. I do not bank with this bank and did not open an account with them. I called the bank and asked them to close the checking account and to close off the ATM/Debit card.
|
| 04/19/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
A qualified written request was submitted to the lender on XXXX with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home ).
|
| 11/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The company is inaccurately reporting late payments to credit bureaus, as account has been closed well over a year, and was reported as fraudulent and is not reporting as such. I have called the company multiple times to get this corrected to no resolve.
|
| 08/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Opening a checking account with M & T bank responding to an promotional offer. Mentioned the {$250.00} bonus and met all the requirements. However, the account only received a {$100.00} bonus. This shall be due to banker 's mistake or bonus system error.
|
| 09/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
On XXXX I was given a check with the amount of XXXX without knowing the check was fake. Now my account is overdraft and they want me to pay all the money back. I am victim of scam I never had this happen to me before. Please help me get my account back
|
| 10/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Grand larceny fraud has happened on my checking account in the amount of {$3500.00} and the bank refused to give me provisional credit and is requesting I wait up until 90 days to see my money. A fraud check was cashed and posted to my checking account.
|
| 01/10/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
My mother died XX/XX/XXXX and I am a XXXX % beneficiary of her IRA. I wish to transfer this account from Wilmington Trust to XXXX XXXX. I initiated this transfer XX/XX/XXXX and six weeks later the assets have still not been released by Wilmington Trust.
|
| 12/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
They refuse to close my account, asking for a notarized letter to be sent certified mail. This information was not requested to open the account. It is my opinion this is intentionally made difficult for customers forcing us to leave the account open.
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
My M & T Bank Credit Card is listed with the Credit Bureaus without a status, limit, balance, or payment history. I filed a dispute with XXXX and they closed the dispute stating that the company had updated the account ; however, nothing has changed.
|
| 09/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
This is the third time someone is opening a debit card account without my consent or knowledge.
The first time was XXXX XXXX Second was XXXX Third was M & T bank I had to call everyone as soon as I got my debit cards in mail to cancel my account.
|
| 02/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
They have hardship form to fill out on their website which I've done. Never get a response. I have to occasionally overdraw my account to pay bills and Vivid has hurt me as far as locating a part time job. I filled out the form for overdraft charges
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX. XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX.
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XXXX. XXXX, 2020, M & T BANK INDIR add a hard inquiry on my credit report per XXXX.
|
| 06/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Received a text containing the following scam message...
Your M & T debit authorize code is XXXX. M & T will never contact you to ask for your code if this wasn't you secure your information here XXXX XXXX XXXX secure immediately to stop payment.
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
OnXX/XX/XXXXXX/XX/year> I had an appointment in branch with M & T bank. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, M & T bank ran a inquiry on my XXXX report on XX/XX/year> without my permission
|
| 06/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
M & T Bank- they have caused my funds to be low. If there are no funds in the account dont ok payment I have tried to talk with them and nothing, during this time of covid still going on, and work being low. they are placing me in a financial bind
|
| 03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There is an inquiry on my credit report from M & T bank Ind that was added XX/XX/2018 that Im just now seeing and I dont know of them or never gave them permission to open an inquiry on my report. Their location is XXXX, NY with phone number XXXX
|
| 05/27/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Someone wrote me a fraudulent check trying to scam me once I realized I contacted my bank theyve had my account locked for almost two weeks now with no update Ive received my regular deposit from my job and they wont give me access to that money
|
| 05/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
My bank says to fill out form for hardship circumstances and i never hear back. Unfortunately have to overdraw account at times live month to month on XXXX hard to find part time job with injury and Covid made it extremely more difficult. Thanks
|
| 11/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I was discriminated against when I went inside of m & t branch denied credit without even providing information then I was denied my right to credit when I called on the phone with m & t bank they have called but have not solved the problem yet
|
| 10/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a mortgage with M and T Bank for 10 years. The house appriased for XXXX when I bought the house. I am still paying PMI after 10 years I think it should have been taking off when I reach XXXX % LTV {$91000.00} which I am around XXXX now.
|
| 09/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I made an application for an interest rate modification from M & T Bank. The home values in my area are below my mortgage balance. I tried XXXX toget them to adjust my interest rate to reflect the market, they have refused on both occasions.
|
| 02/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
On XX/XX/XXXX M & T bank called me to ask if I had opened an account with them. They noticed multiple accounts were being opened and it looked odd to them. The next day I had received an XXXX card from them because a fraud account was open.
|
| 08/09/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My house was rushed into foreclosure ending with predatory leaning for the ages. I lost my house and the XXXX of equity that I had build up. I only owed XXXX.
I was taken advantage of.
The courts were manipulated.
Justice was not served.
|
| 03/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I had recently opened up a checking account with m & t bank, I own a car dealership m & t is accusing me of my dealership being fraudulent to hide funds, I have been at my dealership since XXXX they have all my funds on hold to operate
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
M & T Bank is reporting to XXXX that I had a returned transaction on XX/XX/2022 in the amount of {$0.00} and the reason is " other item ''. The phone numbers that are being reported are incorrect. I've never had either of these numbers
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
M & T Bank reported a negative trade line account on my credit report.
This is not my account and the information was reported inadvertently.
Hindering my ability to obtain the opportunity to receive the credit credentials due to me.
|
| 09/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XX/XX/XXXX M & T bank called me and stated my account was hacked for {$2000.00}. I took the rest of my money out and M & T staff told me to file a police report. I did file the report and never heard back from the bank or the police.
|
| 12/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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!
|
| 10/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have a checking account that had electronic withdrawals taken out under the guise of " XXXX XXXX ''. I have never used XXXX XXXX. Some how someone was able to get my account number and then withdraw money without my authorization.
|
| 12/27/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was rewarded forward payments by XXXX and my monthly payments are not being applied to my account to satisfy payments every month I have been told that payments have been sent to M & T bank but they are not applied to my account
|
| 10/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The mortgage company continues to call the borrowers bankruptcy attorney. The bankruptcy is long done and we do not represent the borrower anymore.
They keep calling to ask if I can follow up and get mortgage documents for them.
|
| 03/30/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I am currently in a forbearance plan due to unemployment. I have been receiving delinquent tax bills from the state property tax department. I have contacted my lender on numerous occasions. No resolution is being provided to me.
|
| 09/26/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had a problem with my hazard insurance earlier this year. M & T Bank said they resolved the issue by refunding my money. I just received a notice from M & T Bank that they are AGAIN trying to put hazard insurance on my account.
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/ I had an appointment in branch with M & T bank. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, M & T bank ran a inquiry on my XXXX report on XX/XX/ without my permission
|
| 09/08/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Older American, Servicemember |
|
I paid the delinquent XXXX XXXX property tax bill {$3200.00}, XX/XX/. I had less than 30 days to pay or there would be more penalties.
Sent letter ( information ) to company- M & T MortgageXXXXBank XXXX XXXX XXXX, XXXX Ny XXXX
|
| 10/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
Payment not received by XXXX XXXX for a payment at XXXX.
Also held my money way past 10 day deadline on the pay off of the HELOC owed to them.
Did not return my money until late XXXX after the first complaint was filed.
I
|
| 08/16/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX My account was overdrawn by $ XXXX. I tried to dispute charges and the M & T bank said it was nothing that could be done. I had a meeting with branch representatives and nothing was done it was sent to debt collectors.
|
| 04/30/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Servicemember |
|
I have been with M & T bank for a while and have had issues with my money being played withThe feds frauded meI have n't received my policies and I 'm just to the point idk know what to doMy debit card is offMy name is XXXX XXXX
|
| 03/31/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I approved the XXXX Dealership to see what % rate I was approved of from XXXX XXXX XXXX.
The dealership auctioned of my car loan to several financial institutes that made my credit report go up XXXX points in less that 2 days.
|
| 01/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Mt & t bank balance due {$620.00} someone went to the teller and cash a check to my account but the bank on XXXX XXXX in XXXX do not no who did it where the account was open in newyork my name and address was not on that check
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My identity was used without my authorization and or knowledge to open an Auto loan with M & T bank. These accounts were open fraudulently. I have tried to contact the bank and resolve this account but have been unsuccessful.
|
| 06/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Older American |
|
In XXXX of 2021 i received four check from the social security office an m & t decieced two help them self with so much of my money like XXXX of its an i want its back. this is the second time they stole my money. XXXX XXXX
|
| 12/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
A debit was card was opened and sent to me. I did not open this account. spoke with the issuing bank, advised them. stated account was opened on XX/XX/21 and i had it closed today, XX/XX/21. M & T bank was the issuing bank.
|
| 08/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I reserved a hotel for a trip, but I was told that the website was only going to hold {$15.00} dollars until my check in. I got sick and will not be able to travel, so I have been reaching out to the hotel, but no response.
|
| 08/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
M & T bank is rearranging and reordering when debits and credits hit my account so that they can charge exorbitant overdraft charges. They only stop when I complain, then a few months later, I notice them doing it again.
|
| 11/08/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/2018 this Bank applied money that was in their suspense account to my principal and commenced a foreclosure proceeding against me. Why did you apply money to my principal when I still owe my monthly payment?
|
| 05/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Received a debit card from M and T bank in my name and address. I did not open this account, nor have any knowledge of the account. There is no bank in my area. The account and associated debit card are fraudulent.
|
| 04/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
People 's United Bank. Check no. XXXX in the amount of {$4500.00}.
XXXX XXXX XXXX Company issued a check in the amount {$4500.00} without XXXX XXXX knowledge nor did the XXXX XXXX sign the check Check no. XXXX.
|
| 04/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
M & T Bank has not provided my 1098 tax form. I reached out by phone and visited a local branch to resolve this issue and as of today, XX/XX/XXXX, I still haven't received the form. Taxes are due in a few days
|
| 12/27/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was approved for 18 months of assistance from the homeowners assistance fund. Payment has been sent to M & T bank but not posted to my account. Payment was sent to M & T on XX/XX/2022 by Florida XXXX
|
| 07/01/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Boat loan M & T Bank act number XXXX. I make over my payment ever month They will not apply my over payment to my principal. They moved my payment out to XXXX XXXX XXXX I want to pay my principal down
|
| 01/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
Servicemember |
|
I wS informed that I would be receiving a card with my stimulus money on it and I never received it. When I look it up it states that I received it. But I never received anything. How it that possible
|
| 10/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am being sued by XXXX XXXX for failure to pay taxes in XXXX ; and in XXXX. My bank, M & T Bank has escrow to pay taxes and insurance. It appears that M & T Bank has failed to make the tax payments.
|
| 01/13/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Upon closing this account, I was told that the {$42.00} refund check was mailed around XXXX XXXX XXXX XXXX. I still haven't gotten my refund check for a credit that was on my account since XXXX XXXX
|
| 11/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
The bank has committed a gross violation of it 's fiduciary responsibilities by not allowing the withdrawal of funds for well over a month when MORE than sufficient documentation has been submitted.
|
| 07/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
The name of the bank is suppose to be m and t bank instead on my XXXX credit report it lists at manufactures and trades. There is no contact information for this creditor on my XXXX credit report.
|
| 02/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
Received a text from XXXX. It states " XXXX & XXXX We notice unrecoqnized debit transaction on your acct, verify to secure ''.
Web site included is " ( XXXX XXXX XXXX ) I believe this is a scam.
|
| 04/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Someone opened accounts in my name I was unaware of and also tryed to that I was unaware of XXXX in the amount of XXXX Inquiries : XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
M & T Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 01/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.
|
| 06/08/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
There is a mortgage loan with M & T bank. Payments are due once a month. I have been making principal prepayments, and M & T banks is applying interest charges towards these prepayment amounts.
|
| 08/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I want to take PMI off my loan. I owe XXXX and M & T Bank sent me a letter stating my house needs to appraise for {$100000.00} in order to remove PMI. The original loan amount was {$82000.00}.
|
| 04/04/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
Older American |
|
M & t bank customer service Claims a credit card can not be issued without a chip. The card is constantly denied! Poor customer service with XXXX, XXXX and XXXX. Refused give me the president!
|
| 01/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Hello : Undersigned has still not received his stolen funds of {$20000.00} even though M & T Bank promised return on XX/XX/2022.
Please urgently investigate and advise.
Kind regards, XXXX
|
| 04/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
MT Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 02/08/2018 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My mortgage company ( m & t bank ) keeps reporting to the credit bureaus that my mortgage is late because they fail to withdraw the money from my account on time. XXXX and XXXX reported late.
|
| 08/01/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage company is reporting false information to the credit bureaus -- -my XXXX 's payment was flagged as being delinquent, this is incorrect. I 'm submitting documents to prove my case.
|
| 01/05/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
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
|
| 04/12/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I would like to have a securitization audit conducted for the note for my property.
Also, I tried to submit payment coupons to my mortgage company and they refused to accept the payments.
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I closed my checking account on XX/XX/XXXX and M & T bank is reporting to XXXX XXXX XXXX that my account was closed on XX/XX/XXXX My phone numbers on the report are incorrect as well. XXXX
|
| 06/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose.
M & T Bank XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
|
| 11/05/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
I sent {$150.00} to my son through XXXX. He never received the money even though it was taken out of my account. I called M and T. They said call XXXX. Called XXXX. They said talk to bank.
|
| 07/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
Request of terms, rules, agreements with various locations of the banks various dates in XXXX and XXXX. Put letter in writing. Called inquiry number. Reported to credit reporting agencies.
|
| 10/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Received a debit card from m & t bank with my name and address on it. I never opened this account. When I called on the phone, my social security number was also attached to this account.
|
| 12/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I reach out to all three credit Agency. And I request for this matter to be removed due to the fact I did not authorize it to be on my consumer report and the credit agency to refuse.
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I closed my checking account on XX/XX/XXXX and M & T bank is reporting to XXXX XXXX XXXX that my account was closed on XX/XX/XXXX My phone number on the report are incorrect as well.
|
| 10/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have made numerous attempts to close my account. When I brought the account to a zero balance, they did not close the account promptly and have been charging additional fees.
|
| 12/02/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I HAVE A 30 YEAR FIXED MORTGAGE AND EVERY SINCE M AND T BOUGHT MY LOAN OUT WITHOUT ME KNOWING THEY GOING UP ON MY MONTHLY PAYMENTS AND NOT HELPING BUT TRYING TO TAKE MY HOUSE.
|
| 10/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
credit card company is reporting inaccurate. my credit card is paid per obligation of the united states. 31 usc 3123 payments of obligations and interest on the public debt
|
| 01/19/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I opened a checking account with M & T bank. I am now being charged an overdraft for not using the account for a while. I wonder if the overdraft protection law covers this
|
| 12/04/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
My personal and business accounts were suddenly closed for no apparent reason at my bank. I was given less than 30 days to respond to this action. See attached documents.
|
| 04/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
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M & T auto finance used deceptive sales tactics and also broke rules upon repossession of car and not sending out notice of selling vehicle and defenciency balance owed.
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| 02/23/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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M & t bank closed my account on XX/XX/2020 and my check went in on XX/XX/2020. They had a creditor keep harassing me about paying the entire amount when I didnt need to.
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| 03/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/20. I called M & T bank to get the 90 day mortgage relief program announced by governor due to Coronavirus and they refuse to help they said that not able to help
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| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XXXXXXXX XXXX XXXX
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| 12/05/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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m and t bank will hold on to checks that should have been cashed when the account is low so they can charge you with an over draft fee, this is happing to many times.
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| 12/27/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I applied and was approved for the XXXX program in FL. Ive been told my payment was sent to my mortgage company but it has been a month and not posted to my account.
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| 07/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Lender not willing to postpone scheduled sheriff sale to allow us to work on a short sale. We currently occupy the property and have a buyer interested in our home
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| 07/13/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I had multiple charges on my debit card for purchases that I did not make. I called my bank to process a chargeback and it was denied. The amount was {$3500.00}.
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| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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The inquiry on my account I do not recognize and I want all my credit inquiries removed from all XXXX credit bureau. I dont know how someone have my information
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| 09/08/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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a bank to bank transfer ( ACH ) missing- peoples/M & T debited my account on XXXX. the funds were to be credited to XXXX XXXX. as of today the money is missing-
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| 07/22/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I keep having issues with my ATM card not working. Declines at ATMs with plenty of funds. Customer service is less than 12 hours a day. Absolutely unacceptable.
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| 01/31/2024 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened without my consent or knowledge
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Web |
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Sometime in XX/XX/2023 I just received a debit card from M & T bank but did not open an account in any form whether in person or online.
Thank you very much!
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| 07/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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In XXXX of XXXX i recevie four check at M & T bank in XXXX an there took what they wanted like XXXX dollar for themself please help me get it back. XXXX XXXX.
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| 12/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
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