m&t Bank Corporation

Today I I logged in online to make a payment for my new RV loan. I paid {$300.00} instead of {$210.00} on the loan I was under the impression that the remaining amount would go directly to Principal. Unfortunately this was not the case. It will go directly to interest. I called the company to ask how could I pay on Principal as you can not do it online. They told me that the only way that I could pay directly on Principal was to complete a form and send a check into their company through the mail. This unnecessary practice is obviously done to make it more difficult for individuals to pay on Principal and save money over the life of the loan. Please direct this company to make it as easy to pay on Principal as it is to make a payment on their website.

M & T bank falsely accused me of fraudulent activity and closed my checking account with no valid reasoning. I deposited XXXX in savings and tried to withdraw the money from my account to purchase a vehicle in cash. I was declined the withdrawal and my account was closed. I provided bank statements of where the funds came from and the reasoning for it. I was accused and defamed of a felony.

I explained that I had new information and wished to dispute those transactions as unauthorized. In addition to my statement that these transactions were unauthorized, I have since filed a police report with my local police department, and law enforcement is actively investigating the fraud. This constitutes new information that I believe should have been considered by the bank and warranted reopening or accepting my fraud claims for investigation. I repeatedly requested that the bank accept and investigate my fraud claims. Instead, XXXX, phone number XXXX ( XXXX ) XXXX, refused to file the claims. I believe M & T Banks repeated refusal to accept or investigate my claims may have violated my rights under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. Part 1005 ). Regulation E provides consumers with the right to report unauthorized electronic fund transfers and requires financial institutions to investigate qualifying notices of error.…

I received notice of debt collection form XXXX XXXX and disputed it on XX/XX/year> asking for The name and address of the original creditor. The current amount allegedly owed, including an itemized accounting of all principal, interest, fees, and other charges. Documentation establishing that I am legally obligated to pay this debt. Documentation demonstrating that XXXX XXXX XXXX XXXX has the legal authority to collect this debt on behalf of the creditor or current owner of the account. Documentation establishing the chain of ownership if the debt has been sold or assigned. I asked to cease all communication until debt verification was received. Instead of sending me proof of debt, I was sent on XX/XX/XXXX a settlement offer.…

My mortgage was transferred to a new mortgage company and the new mortgage company does not have the correct information. I received a statement from the new company with the following which I believe errors : escrow not applied to the right account, a fee of XXXX for a corporate advance fee, and a late fee of XXXX that the new company stated that was not paid from my previous mortgage which I believe I already paid. I contacted the new mortgage company today to advise them of all the information I just talked about. The new company stated the escrow was applied wrong and they corrected it. The corporate advance fee and the late fee will need to be investigated before they would have a resolution. I do not trust this company at this point to audit my account because all information should have transferred over correctly. To include once my account is corrected will my principal be adjusted properly and my escrow account be adjusted.…

I have a boat loan through M & T Bank. The original loan was about XXXX. It was paid down to XXXX. I sold the boat and the boat broker wired them the pay off amt of XXXX on XX/XX/XXXX. I paid the balance prior to that online. My online payment showed up the next day. The wired amount still hasn't shown up on the loan. I called every day to find out why the boat was still accumulating interest and the payoff amt wasn't applied to the loan. After a couple of days I sent another {$100.00} to cover any additional interest that was accumulating during the delay of applying the monies to the loan. I called daily and every day they told me there was no receipt of the wire. I called the boat broker every day asking for info on the wire, he did provide the confirmation and XXXX showing on XX/XX/XXXX he wired the money. Still M & T denied repeatedly that they ever received a wire. Until today!…

Complaint Against M & T Bank Regarding Denied XXXX Fraud Claims On XX/XX/year>, I made two XXXX payments from my M & T Bank account to a business that advertised the sale of automobile parts. I believed the business was legitimate based on its advertisements and communications with me. The payments were : {$580.00} Claim No. XXXX {$200.00} Claim No. XXXX The total amount I lost was {$780.00}. After sending the payments, I learned that the business was fraudulent. I never received the automobile parts I purchased, and the seller stopped communicating with me. I later discovered that this was a scam and that I had been intentionally deceived into sending the money. I immediately reported the fraud to M & T Bank and filed fraud claims for both transactions. M & T Bank denied both claims. I appealed and requested that the bank reconsider its decision, but my claims were denied again. I do not believe this situation has been handled fairly.…

On XX/XX/XXXX, M & T Bank executed an erroneous internal payment reversal of - {$6500.00} on my recreational vehicle loan following a misapplied third-party payment. Despite this error, a payment of {$140.00} was made on XX/XX/XXXX. Shortly thereafter, M & T Bank placed an administrative lockout on the account, preventing online access and payment processing. Rather than correcting this internal ledger error, M & T Bank 's automated systems reported the account as XXXX XXXX in XX/XX/XXXX. Following disputes, the status was updated to XXXX, but the core balance remains severely glitched and inflated. The M & T Mobile App currently displays an Outstanding Balance of {$10000.00} ( up from the true principal balance of {$9700.00} at the time of the lockout ) and demands {$1300.00} in invalid late fees and penalties accumulated during the lockout.…

In XXXX XX/XX/year>, I deposited a check for {$4200.00} at an M & T branch. I believed in good faith that it related to a payment owed to me from my prior employment with M & T. The branch accepted the deposit, the funds cleared the following day, and I withdrew them. Subsequently learned, from letters my wife scanned and forwarded to me while I am abroad, that the item was returned as " Duplicate Presentment '' ( advice dated XX/XX/year> ) and that my account ending XXXX was then placed under restriction ( letter dated XX/XX/year> ) I had no way of knowing the item was a duplicate at the time of deposit, the branch accepted it and the bank cleared it. I want to repay the {$4200.00} in full. I am not disputing the chargeback. My complaint is that M & T has not given me any workable way to do so, and has refused basic information I need. Specifically : XXXX.…

COMPLAINT AGAINST : M & T Bank BORROWER NAME : XXXX XXXX LOAN NUMBER : XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX, XXXX, TX XXXX LOAN TYPE : FHA-Insured Mortgage DELINQUENCY STATUS : XXXX Days Delinquent ( Due to Servicing Transfer Error ) DESCRIPTION OF COMPLAINT : I am a XXXX XXXX XXXX XXXX writing to request immediate federal intervention regarding the predatory and unlawful foreclosure practices of M & T Bank on my FHA-insured mortgage . M & T Bank is currently operating in direct violation of HUD Single Family Housing Policy Handbook 4000.1, the Real Estate Settlement Procedures Act ( RESPA ), and Regulation X dual-tracking rules. M & T Bank is actively threatening foreclosure and refusing to offer me mandatory FHA loss mitigation options based on XXXX unlawful justifications : Violation of RESPA Servicing Transfer Rules ( 12 CFR 1024.33 ) : My mortgage was actively transferred from XXXX XXXX to M & T Bank right as my trial modification payment was due.…

I am submitting this complaint in my private capacity as the living man, XXXX XXXX, XXXX XXXX of Pennsylvania ( status corrected through the Department XXXX XXXX ), and beneficiary of all rights, titles, interests, and assets associated with the names XXXX XXXX and/or XXXX XXXX XXXX XXXX This matter concerns Wilmington Trust XXXXXXXX XXXX role as trustee for the collateral custody account established in connection with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, in which I am enrolled as beneficiary. In XX/XX/year>, XXXX XXXX XXXX notified me of the program changes. Effective XX/XX/year>, collateral for my XXXX securities was to be held in a custody account at XXXX XXXX XXXX XXXX XXXX with Wilmington Trust serving as the trustee charged with verifying collateral amounts to meet XXXX XXXX obligations.…

RE : Financing Fraud and Deceptive Add-On Contract on M & T Bank Loan Account Number XXXX XXXX, XXXX XXXX XXXX , am writing to file a formal consumer complaint against my auto lender, M & T Bank , and to request a federal compliance review of my retail installment loan package. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( VIN : XXXX ) from XXXX XXXX XXXX XXXX, financing a balance of {$25000.00} with M & T Bank . My mother used her bank debit card to provide a down payment of {$20000.00}. I am writing to notify M & T Bank and the CFPB of dealership financing fraud, contract backdating, document withholding, and unauthorized signature block handling. Throughout the closing process, XXXX XXXX XXXX XXXX quietly rushed me through signing and failed to explain any disclosures. He completely failed to explain what the papers were for and instead simply pointed out the lines where I was instructed to sign.…

This is a formal XXXX of XXXX under RESPA regarding my mortgage account. On XX/XX/XXXX, M & T Bank admitted in CFPB Case # XXXX that a previous servicing error caused a default on my Trial Payment Plan and committed to a " clean slate '' for future review. Despite this, my recent loss mitigation application was denied based on inaccurate information. During the application process, a representative failed to collect necessary documentation or acknowledge the banks own XX/XX/XXXX, admission. Furthermore, I dispute the claim that I am 15 months delinquent, as my status is the result of processing delays during my continuous, good-faith participation in loss mitigation since XX/XX/XXXX. I request the immediate reopening of my file, assignment of a Single Point of XXXX ( XXXX ), and an executive-level review to honor the " clean slate '' commitment. Per XXXX CFR XXXX ( g ), I demand a cessation of all foreclosure activity while this application is under review.…

I submitted a formal payoff statement request on XX/XX/year> for my property at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Loan #. M & T Bank committed XXXX delivering the payoff statement by XX/XX/year>. That deadline passed without any response or communication. I have an active purchase offer of {$330000.00} on this property which will fully satisfy the mortgage in its entirety. I have called multiple times, been transferred repeatedly between departments, was promised a XXXX XXXX instead received an escalation XXXX who refused XXXX provide her last name, XXXX am now being told XXXX wait another XXXX business days on top of a deadline already missed. Every day of delay puts my active buyer at risk. A completed sale nets M & T Bank more than a foreclosure auction. I am requesting immediate escalation XXXX delivery of the payoff statement today. ''

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Subject : Formal Complaint Regarding Unreasonable Account Restriction, Failure to Provide Information, and Denial of Access to My Funds To Whom It May Concern, I am submitting this formal complaint regarding the handling of my M & T Bank account and the continued restriction that has prevented me from accessing my own funds for nearly three weeks without any meaningful communication or resolution. On XX/XX/year>, I was unable to access my online banking account. I immediately contacted M & T Bank customer service and was instructed to visit a local branch to verify my identity. On XX/XX/year>, I went to the M & T Bank branch located on XXXX XXXX in XXXX, Massachusetts. While at the branch, I successfully made a deposit of {$270.00}, confirming that my identity had been verified well enough to conduct a transaction.…

I applied for mortgage assistance/home retention on my USDA mortgage because I fell behind after a temporary hardship involving necessary HVAC/central air issues, transportation problems, and property-related expenses. These were non-recurring issues that affected my ability to stay current at the time, but the hardship has now stabilized. I am employed, have reliable transportation, and want to keep my home. M & T Bank issued a denial letter dated XX/XX/year>. The denial letter denied forbearance, repayment plan, USDA Mortgage Recovery Advance, USDA Standard Modification, and USDA Combination Modification. The denial appears incomplete and inconsistent because it states that my income supports my current mortgage payment, but it does not explain why no USDA home retention option could be used to resolve the delinquency while allowing me to continue making sustainable payments. I submitted a timely appeal before the XX/XX/year> deadline.…

Good morning, ladies and gentlemen, as you are aware of my case previously with XXXX XXXX started on XX/XX/XXXX the misleading was intentionally made to make me lose my legal right for a workout plan/repayment plan or partial claim, the corruption continued all the way until the end of XX/XX/XXXX, then my loan transferred to new mortgage servicer by the name M & T bank. I truly believe they are all the same company because they look like they are following the same footsteps with their scam/tampering/fraud/misleading to create a disaster to a homeowner who lives in their property as a primary home, the company is very well aware of my health condition causing me the additional excessive stress after my cardiac arrest passed away in XX/XX/XXXX.…

M & T Bank, my mortgage servicer, failed to pay my homeowners insurance premium out of my escrow account, allowed my policy to lapse into cancellation status, gave me false assurances that payment had been made, and forced me to pay out of my own pocket to keep my home insured despite the fact that I have paid into escrow faithfully since XXXX and my mortgage is current. Timeline of events : On or about XX/XX/XXXX, my insurer, XXXX XXXXXXXX XXXX XXXX, mailed M & T Bank notice that my homeowners insurance premium was due XX/XX/XXXX. M & T did not pay. On XX/XX/XXXX, XXXX XXXX sent M & T a SECOND AND FINAL notice stating the policy would cancel XX/XX/XXXX if payment was not received. M & T still did not pay. On XX/XX/XXXX, XXXX XXXX called me directly to warn me my coverage was about to cancel. I immediately called M & T. A representative assured me she had contacted XXXX XXXXXXXX XXXX home office and had PAID THE BALANCE IN FULL BY CREDIT CARD that same day.…

I am filing this complaint regarding M & T BankXXXX mobile banking application outage and the banks failure to provide a clear explanation, resolution timeline, or adequate customer communication. I have been experiencing issues with M & T BankXXXX mobile application being unavailable. I first reported the issue to M & T Bank on [ insert date ]. However, based on my experience and repeated attempts to access the application, I believe this problem has existed for approximately XXXX month. The application outage has prevented me from reliably accessing my banking services through the mobile platform. Despite reporting the issue, I have not received a clear explanation of the cause of the outage, the expected resolution date, whether the issue is affecting other customers, or what corrective actions M & T Bank is taking.…

I was paying XXXX times the payment each month for about XXXX to XXXX months don't even know where it went wasn't adding up and then we got on a payment plan and I was making payments every XXXX XXXX and the loan did not go down they said they just put it in a separate account now they said that they needed my brothers information they won't give me the exact name for what they just keep saying customer information form on the website they don't even have a customer information form on the website I sent in the W-9 they said that is not the right information and I don't even know where the Money i been paying to went

* * Date : * * XX/XX/year> * * Complainant : * * XXXX XXXX * * Phone : * * XXXX I am filing this complaint regarding M & T Bank 's servicing of my mortgage after my loan was transferred from XXXX XXXX. Since the transfer, I have made XXXX separate calls to M & T Bank and have spent approximately XXXX hours on the phone simply trying to access my mortgage account and set up automatic payments. Every attempt to access the online mortgage portal results in a " XXXX XXXX '' page. I have worked with multiple online banking representatives, including a supervisor, and no one has been able to resolve the issue. I was told the problem may be related to my current location in XXXX, but no alternative solution was provided. Customers should still be able to access and manage their mortgage accounts while traveling internationally.…

This complaint involves severe database mismanagement, a failure to reconcile an escrow account, and an artificial payment delinquency manufactured by a joint-servicing network ( Master Servicer and Sub-Servicers ) .On XX/XX/year>, the Master Servicer formally adjusted the escrow tracking lines on this mortgage account to reflect a verified, state-granted XXXX XXXX Veteran Homestead Exemption, permanently setting the county and municipal real property tax liability to a {$0.00} baseline. Following this adjustments, a verified escrow surplus of {$550.00} was identified. Despite this master ledger adjustment, the integrated sub-servicing platform repeatedly failed to synchronize its databases. Between XX/XX/XXXX and XX/XX/year>, the sub-servicer generated multiple conflicting tracking cases, going so far as to issue a notice claiming the account was completely " unlocatable '' in their system.…

I have an existing FHA mortgage serviced by M & T Bank and am currently in an active XXXX XXXX XXXX. I recently contacted M & T regarding my mortgage account and was informed that approximately {$1900.00} in bankruptcy attorney fees/costs had been charged or were being requested on my account. I requested a clear itemized breakdown of these bankruptcy attorney fees/costs, including the reason for each charge, the dates of the legal work, invoices or billing detail and documentation showing whether the fees were properly authorized or approved through the bankruptcy process. M & TXXXX provided only a one-page ledger to my bankruptcy attorney. The document is confusing and appears to show limited line items such as MFR fees and MFR costs, but it does not explain the specific attorney work performed, why the charges were necessary, the dates of the legal services, or whether the fees were approved by the bankruptcy court.…