Meineke Discount Mufflers (Boston Rd.)

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me However, I am not pleased that I had to call numerous times to dispute the transaction and follow up as a consumerIt wasn't until I contacted the Revdex.com that my issue was resolved in a respectable time frame and mannerYou stated that my claim was denied due to previous account history and other transactions made at that merchant but my account history has been great since I have been a member with M&T and I have never made any reports about any purchases that I have madeI do not mean to come off as unsatisfied, and I do understand that M&T has to protect themselves as well but as a customer I feel this process was extremely drawn out and it should of been dealt with in a timely fashion Thanks, [redacted]

Revdex.com:At this time, I have not been contacted by Meineke Discount Mufflers (Boston Rd.) regarding complaint ID [redacted] .Sincerely, [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear belowRegards, [redacted] ***

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my... complaint. For your reference, details of the offer I reviewed appear below. The payoff statements for both my accounts were calculated on February 2, included interest for January through March 1, and were sent to Stewart Title for closing on February 3. M&T Bank received and applied my February payments on February 3, so the interest on the payoff statements should have been recalculated on a lower principal balance for both accounts from February 3 through March 1. I spoke to [redacted] , a supervisor on May 27, and she understood what I was saying and was supposed to call me back, I have not heard from her. Regards, [redacted]

Please see attached response also sent to the consumer [redacted] Dear Ms [redacted] ,Your recent correspondence to the Revdex.com ("Revdex.com") was brought to my attention for review and responseYour correspondence states you paid off the balance owed in your M& T Bank ("M&T") checking account on May 22, 2015, and requested the account be closedThe balance in the account at the beginning of the day was negative $A deposit was made for $on Friday, May 22, at 4:50PMThis deposit posted to your account on May 26, Also on May 22, 2015, a debit of $posted to the account and another recurring debit posted on May 26, 2015, along with a $debit for M&T Finance WorksOverdraft fees were assessed for the two debits that posted against insufficient fundsNote that the account could not be closed until any pending transactions postedOn May 26, 2015, you spoke with [redacted] ***, Branch Manager of the M&T located in Bellwood,Pennsylvania, regarding the fees and transactions that posted after you believed your account was closedAs a courtesy, Ms [redacted] reversed one of the overdraft fees, which brought the balance owed to $On May 29, 2015, another recurring debit for $was attempted and rejected, causing a non-sufficient funds ("NSF") fee to assessOn behalf of M&T, I apologize for any misinformation or miscommunication that may have occurred when you requested that your account be closedPlease note that all fees have been reversed and the account was closed on June 5, I hope this information has been helpfulSincerely, [redacted] Customer Care Specialist IIOffice of the Customer Advocate cc Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

My apologies for the delay in response I was not able to obtain the documentation within the 5 day time limit. I have found and attached the following documents: M&T Loan Estimate Documents showing the appraisal fee of $550 on page 2, [redacted] Mortgage LLC Loan Estimate without such fee and the document not to obtain appraisal.

I am not satisfied with the response given by M&T Bank and am requesting more time to respond to their letter. I have over 2 years of...

documents to research before an accurate response can be written. I will have a response available by march 31, 2016. Please inform me immediately If this is not acceptable. Thank you. M&T bank has responded to my complaint with basic information,  dates and dollar amounts, but has not provided explanations, answers or solutions. Many details are missing, do not make sense, or are not true.  After several attempts, I have not received proof that the FDIC  legally transferred my loan to M&T Bank. The only signature on the  document I received was a member of M&T Bank. No one from the FDIC  approved, or signed for the transfer. The verification of mortgage  document I received could have been typed up by anyone and has no signatures. I am now requesting a copy of all original documents pertaining to the transfer of my loan from K Bank to M&T Bank. M&T Bank has not mentioned, or referred to, any modification or documentation from August 2, 2007 through August 17, 2009. There is a 2 year gap in the explanation letter and the documents produced by M&T Bank. I am requesting a copy of all the original documents from said time frame. I first spoke to M&T Bank about the maturity of the loan in November not February as they had stated. At that time I was told to wait until the maturity date and I will then be able to refinance or modify the loan. If M& T Bank would have helped me at that time I may have been able to clear the judgment before the maturity date. The $30,000 judgment was not on my credit at the time the loan matured, only in the court records. I offered receipts showing it was paid, but M&T Bank would not accept them. Also, I did not receive a response as to why this  was an issue. The letter for modification(sent with the original complaint) that M&T Bank sent to me states the qualifications and no where does it state a judgment would disqualify me. I also asked several M&T Bank employee's if it was modified with the judgment, would M&T Bank still hold the first lien position. None of them could tell me or knew how to find out. I am requesting a response regarding the qualifications for modification letter sent and a complete list of the investor guidelines for a loan modification. M&T Bank states the notification for loss mitigation workout assistance removal was sent January 14 2015, yet I was told it was denied. Then, the letter states, shortly there after they received the remaining documents. I am requesting the definition of a removal and denied loss mitigation workout assistance. I am also requesting the date M&T Bank received the remaining documents and the date it was reactivated for review. M&T Bank stated, in June, no further payments could be excepted. I am requesting an answer as to why I was told several times that I am notin default and to continue making payments.  M& T Bank has stated that I can pay to bring loan current but when I say ok they transfer me to someone else to pay and I am told I can not. When I call back, I am told it is an option, over and over again. I am requesting an answer as to how and why I am being told this contradicting information. M& T Bank claims, they attempted to speak to me. Either they did or did not. I am requesting the date of the attempt, what the attempt was, how it was made.  M&T Bank claims, I have been denied for a modification several  times, due to incomplete workout packets. I have been told several times  the packet was complete, or that it was sent to underwriting. I am requesting all dates a modification has been denied for an incomplete workout packet, why was it incomplete and what information wasmissing. M&T Bank has not used my amounts, numbers , or figures, which are true and correct. They have continuously changed those figures for unknown reasons and have not provided me with the information or the  formula used to obtain them. I am requesting a breakdown, in an easy to read format, of how these figures are obtained and calculated.  The response letter recently received mentions Net and Gross Income Modifications.  M&T Bank mentions my Loan To Value being under 80% but I have offered to put $20,000 down at the time I am excepted for modification. I am requesting a more descriptive answer as to what Net and Gross Income Modifications are and if any other options may be available to me. I am also requesting an answer as to how the Loan To Value can be under 80% without an interior evaluation. I am requesting a copy of all interior evaluations, exterior evaluations, appraisals, or any other process used to figure the value of said property. M&T Bank did correct the issue in 2012 concerning the money taken from escrow and recently correct the $90.00 Recoverable Corporate Advance. However, it cost me a lot of time and money that I can not recover. Also, I was told several times by M&T Bank, they would not have taken it unless it was a legitimate payout. Another time I called, I was told it was under my parcel number, so it must have been for my property. No one would look into it or do the research. This should raise much concern about the activities of M&T Bank. I am requesting a response as to why M&T Bank is not responsible for the time and money I had to put out to correct their mistakes. I am told time and time again that I have a Single Point of contact,  yet that person has changed several times and every time I call I have to leave a message. Every time I call, or receive a call, it is by someone  different and I have to explain my situation over and over many times which frustrates me before I even get to the reason for the call. I am  requesting the names and extension numbers of all persons involved in my Single Point of Contact group.M&T Bank did not mention the employee (Michael [redacted] ext. [redacted]) that said, if I say I am recording the conversation that it is M&T's policy to immediately hang up. I am requesting an answer as to whether this ispolicy or not, and if so, than why is it a policy. However, if it is not policy, how the employee was handled so this does not happen in the future. M&T Bank continues to do, say and act as they please withoutreprimand. I do not believe this was a valid attempt to rectify the situation and M&T Bank should be accountable for there actions. I am requesting an answer as to how the actions by M&T Bank will be handledand prevented in the future. Thank you, [redacted]

This message is pertaining to Complaint ID #[redacted] against M&T Bank.They have requested an extension until March 8, and this is not acceptable because they are closing the bank account on February 26, and this delay tactic is a deliberate attempt to render this complaint irrelevant. ...

They need to respond before February 26! Best regards,[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.  We are currently talking to M&T bank and may be near a resolution, however we are still in negotiation states.  Regards, [redacted]

One of the pictures is proof that there was no pending transactions and that my account is positive on the other picture it shows you that I was charged an overdraft fee which shouldn't be especially if I have no pending transactions and the gtl was paid for already I'm hoping I won't receive...

another overdraft fee for ic solutions

My response is can you tell the lady that's in charge of the m&t that that's not the conversation I was referring to and also I'm closing my bank account...

very soon anyway just to much going on and to keep up with and I'm not satisfied and I want that fee of the other 38.50 away as well because even in the terms it says it won't give you a over draft fee for something that is 5 dollars and I don't remember ever doing that transaction and this is the issue things get refunded and really added back like my amazon purchases I can show what day I ordered it and amazon been shipped my items it will have two different dates on it that's why I think the other overdraft fee shall be gone as well

Consumer filed duplicate complaint :Billing /collection issue:I had an agreement with Steven Miller earlier today to pa $1400. And then the repo would be called off. The man just came and reposed the vehicle only a few hours after. I called the bank again and Steven supervisor said that our...

agreement should have never been made. That now I have to pay 2800, plus 2000 in late fees plus agent fees. Billing Adjustment  Get car back

Re my complaint against M & T bank.  I have received cash payment in full. While I continue to object to their methods and their notification ( i.e....

Lack thereof), I am not suffering a financial loss at this time. I returned the keys and was refunded cash for the remaining time on my safe deposit box rentals. Unless they attempt to bill me for something, I have no interest in pursuing this further. If I receive a bill I deem fraudulent, we can open a new case, but I am willing for this complaint to be closed.  Thank you to the Revdex.com.  I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to  me.  Thank you very much.

[redacted] called and gave me verbal to accept the response:  I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Regards, [redacted]

I called my account on the 27th and noticed there was extra money in there I spoke to a representative and asked if this was correct she said yes but then on the 31st they over drafted my account spoke too another representative who was very nice and she said there was nothing she could do so I...

asked too speak to a supervisor who was very nasty and disrespectful and very unprofessional

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,   [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Regards, [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. M&T Bank still responding the same information which I understand, as they said y the prior and actual letter, a foreclosure process was stopped, by me sending the balance necessary to bring my account updated, this payment was done before any process of foreclosure was in place, M&T Bank charged me with the attorney's fees of almost $2,000 thousand Dollars, that's the amount I am claiming to be returned to me since, no lawyer ever contacted me about any foreclosure, I don't even know which lawyer or firm was taking care of what M&T claim as a foreclosure process, I received a communication from M&T Bank, saying that I may be going into foreclosure but I PAID ALL THE LATE FEES AND LATE PAYMENTS ON FEBRUARY 2017 stop sending me the same letter   please send me copies of the lawyer notification, or court orders or  date of beginning of foreclosure  Regards, 
[redacted]

Dear Ms. [redacted]
I am writing in
response to the reply I received from you [redacted] on behalf of
M&T Bank in response to...

the complaints I filed with the RevDex.com ("Revdex.com") and the Consumer Financial Protection Bureau
("CFPB").
Yes, it is true that my
complaints stated that I sought to apply for a Small Business Administration
("SBA")- Guaranteed loan through M&T, but according to the denial
letter a loan entirely unrelated to my project an Express Business Installment
Loan application was submitted against my consent. Shannan [redacted], Branch
Manager of the M&T Kirk Avenue branch, did contact me in response to my
inquiry regarding an SBA- Guaranteed loan. Yes, I did advise Ms. [redacted] that I
wish to purchase investment real estate. However, I did not inform her that I
wanted an SBA line of credit. I told her several times that I wanted to apply
for a term loan to better accommodate my business venture. A line of credit and
a term loan are different since with a term loan I would receive a lump sum of
money, get it all at once and pay it back over a specific term. Ms. [redacted] you
state that M&T does not offer an SBA-specific application for any product.
I do not believe this statement since the M&T banks application has several
Business credit requests such as Line of Credit, Term Loan, Equipment Lease,
Letter of Credit, Commercial Mortgage, and other. The M&T Bank website also
list several loan types including the three products options you list and three
types of SBA Guaranteed Loans to choose. Although you state M&T policy is to
submit all request as potential conventional credit applications, I was never
informed of this policy until I spoke with Michael N [redacted]. If this were the
case, I would have never proceeded with the application which is evident of the
type of loan I advised, requested and consented to. Ms. [redacted] did not in
her initial conversation with myself advise me that the first step would
require submitting a conventional loan application nor did I receive a
conventional loan application. Ms. [redacted] did not explain that I would not be
directly applying for an SBA loan either. Nor did she advise me that M&T
does not provide businesses with lines of credit to purchase investment real
estate. That is a contradiction and false statement. It would and is irrelevant
to my request which is evident by my application I submitted to Ms. [redacted]. It
is also a false statement since there is an SBA Guaranteed loan called SBA
Express that has a choice between a Line of Credit or Term Loan. She did
recommend that I apply for a commercial mortgage on an individual property, but
I refused her recommendation since it would not serve my request according to
my application and business plan. She also advised me to register with SBA for
an Article of Organization because of my request. I have emails as proof. Ms. [redacted], it is clear that you are making false
statements about the type of application I submitted. This does not advocate
for me the customer and deem you unfit for such duties. You state multiple
times I submitted an application for a line of credit and towards the end of
your letter you state I applied for a business installment loan. My application
clearly shows a request for a term loan not a line of credit nor a business
installment loan. Ms. [redacted] did advise me that I may not be approved for an
SBA loan for the purpose of purchasing real estate. This was a statement Ms.
[redacted] and Mr. [redacted] made to me in person. I never presented an application
for a loan at the M&T Bank during my visit. Ms. [redacted] already had my application
for the term loan I submitted to her by email. Ms. [redacted] had no right to process my loan
application as she felt. That is my right and a violation of the Consumer
Credit Protection Act. I am authorized to use my social security number and credit
accordingly. There is obvious discrimination by the representatives handing my
application prohibiting me from applying for the type I loan I requested in
violation of the Federal Equal Credit Opportunity Act. I was denied the right
to apply for the loan I requested. A loan provides financing to new and
existing businesses that may not qualify under conventional bank terms. Working
capital can be used for operating expenses, and there are no listed
restrictions against real estate. I would be using the working capital to
operate by purchasing real estate to increase income.  I requested of Michael N [redacted] specific reasons
why credit was denied under the terms for which I had applied. Not reasons for
why the application was declined for an Express Business Installment Loan. An
application which did not include a request for a business installment loan
evident by my application for a term loan for working capital. Both bank
representatives have violated my rights that are protected by the Consumer
Credit Protection Act. The actions of the bank representatives of the M&T
Bank are violations of The Equal Credit Opportunity Act, and M&T Bank
Corporation is subject to fraud and civil liability for actual and punitive
damages.  I request and am entitled to a specific reason why
credit was denied under the terms for which I had applied. I request a copy of
the said M&T policy for all request for conventional loan applications. I
also request corrections of M&T's credit reporting of the Express Business Installment
loan application.  Sincerely,  [redacted]