Meineke Discount Mufflers (Boston Rd.)

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 company stated in their response that my "account remained current until July 23, 2015". If that is the case I would have only been responsible for a total of two late fee charges. The total of the charges would be at most $ 85.58 not $280 in late charges. As shown on the statement copy they provided in their response. Also it should not be up to them to take my money and say it can't go to my principal and interest first when it is received early. 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. I still view this entire process as extremely high risk for myself as a homeowner as I may potentially have a lien filed against my property if insurance funds are not released in a timely fashion by M&T Bank after completion of work. A contractor has a limited window of time in order to file a lien on a property after completion of work in Oklahoma and not receiving payment in full. I still feel that I, as a homeowner, am at the mercy of M&T Bank scheduling the inspection and releasing the funds in a timely fashion before a lien or court action could potentially be filed by the Contractor against me as I will be the person signing the contract for work with the Contractor. The follow-through with M&T Bank has been non-existent thus far and I have received conflicting and obviously inaccurate information every time I call. I had requested a copy of the denial of my request for exemption from the express monitoring;  I have yet to receive the requested letter. I have been told that M&T Bank would deduct the inspection fee from insurance proceeds several times, but I have also been told that I wouldn't be responsible for paying the inspection fee. A rep also stated they would fax a statement to my wife stating that they would waive the inspection fee. That of course didn't happen. All M&T Bank customer service reps state they are right and the other M&T Bank reps my wife and I talk to are wrong and giving us bad information. Further, I do not agree to the Current Account Statement Terms and Conditions as I view this as an addendum to the original mortgage document and these new terms and conditions offer no further consideration other than access to insurance proceeds to pay the Contractor. Signing this document modifying the original terms of the contract (mortgage) and granting additional rights to the lien holder to tap insurance proceeds for undefined fees and expenses without any consideration as a precondition to releasing insurance proceeds is not in my best interest to sign and acknowledge. Though I am not behind in my mortgage, nor have I been behind in mortgage payments, there is too much open ended language involved: one specific example is "including cost fees or any expenses associated with our account". M&T Bank does not clearly articulate what the cost fees or expenses are. The document also states that remaining funds will be paid to the outstanding principle balance of the mortgage. Then states in the next sentence that once the loan is brought current and all fees and expenses are paid, any remaining proceeds will be returned promptly to the mortgagor(s).  The only way these remaining funds could be paid to the mortgagor is if the mortgage were paid off. The language in the sentence states outstanding principle balance meaning any balance of the mortgage and not the past due or principle payment balance. This is contradictory language unless the mortgage is paid off.  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.
In M&T Bank's response, they said they notified me regarding the change in November 2013 statement. Here I attach both November 2013 and December 2013 statements. It is clear that there was no such a notification. In addition, in my complaint filed on 7/7/2015, I asked them to close my account. They did not do it and charged another $14.95 on 7/17/2015.  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.  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]

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 consumer. It wasn't until I contacted the Revdex.com that my issue was resolved in a respectable time frame and manner. You 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 false reports about any purchases that I have made. I 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:
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 10626996, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. I have attached copies of the Payoff Statements for each loan and my letter of April 22, 2015. Payoff Statement for loan [redacted]0 dated February 2, 2015 included interest from January 1 through March 1.Interest $9,301.41 and Other Funds Due $4,310.41 totaling $13,611.82.    $827,046.94 X 9.87500% / 360 X 41 = $9,301.41    $827,046.94 X 9.87500% / 360 X 19 = $4310.41   This confirms that M&T Bank did collect the interest amount through the payment due date of March 1, 2015.  Payoff Statement for loan [redacted] dated February 2, 2015 included interest from January 1 through March 1.  Interest $1,162.68 and Other Funds Due $538.80 totaling $1,701.48.$103,381.15 X 9.87500% / 360 X 41 = $1,162.38     $103,381.15 X 9.87500% / 360 X 19 = $538.80   This confirms that M&T Bank did collect the interest amount through the payment due date of March 1, 2015.  Therefore, they should review my letter of April 22, 2015 and my calculations and send a refund. I find it very difficult to believe M&T Bank is in the business of servicing mortgage loans, no one will ever know how many others they have cheated.Regards,  [redacted]

March 20, 2017*Revdex.com Case Number: *Dear Ms. [redacted]:I am writing on behalf of M&T Bank ("M&T") in response to the recent correspondence you filed withthe Revdex.com.You state in your correspondence that you received two (2) insufficient funds fees on April 18 and April26, 2016, as a...

result of Pay Pal debiting your checking account instead of your savings account. Youindicate that you were advised that the fees would be refunded as a courtesy. I apologize if this was notcompleted. Note that your account was credited in the amount of $38.50 on March 15, 2017 for theinsufficient funds fee assessed on April 19, 2016.You also indicate in your correspondence that you have attempted to open a small business checking andsavings accounts, a Roth IRA, and obtain a personal loan, but have been unable to identify products tomeet your needs. It is recommended that you visit your local M&T branch and meet with a representativewho would be able to assist you in identifying the best products to meet your business needs. In addition,you also requested closure of your checking and savings accounts. It is recommended that the closure ofyour account be completed at your local M&T branch, and a representative would be able to assist youwith this request.Please be assured that we are appreciative of your feedback, and are continuously evaluating the productsand services offered. At M&T, we strive to provide the highest level of quality service to our customers.If you have any further questions regarding your account or small business needs, please contact Deborah[redacted], Bear Branch Manager, at * and she will be glad to assist you. The branch islocated at 10 Fox Hunt Drive and is opened Monday-Thursday 9am- 5pm, Friday 9am- 6pm, andSaturday 9am- 12pm ET.Sincerely,Laura *Customer Care SpecialistOffice of the Customer Advocate

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]
M & T Bank continues to repeat the same story that is not
accurate.  First of all, I never disputed that due to martial problems I
had to enter into a modification, and made every payment as required by
law.  I never denied that it was my understanding that a portion of the
modification  would be added at the end of the loan, and that is the
reason for me requesting updated payoffs almost on a monthly basis from
November 2016 - October 2017 to avoid any surprises whenever my home
sold.  On more than one occasion, M & T Bank's Customer Service
Department debated with me that I had never been approved for or
participated in a modification whenever I would ask them if the payoff
figure they were providing to me was accurate and included anything
additional from the modification.  Since November, 2016 I have been
assured in writing that I would only be required to pay the amount they
were providing me with, and there was no one else for me to contact.  
If I cannot rely on the information they were providing to me, then who
was I suppose to contact?  I totally disagree that M & T Bank
provides excellent Customer Service because that was not my experience. 
They failed to provide me with the information I needed to confirm an
accurate payoff when I repeatedly asked them to do so, and the $500 gift
card they offered to me in August, 2017 was allegedly to correct the
misspelling of my county residence.  Now, they are stating another
reason for sending me the offer of the $500.  I maintain that every
decision I made regarding selling my home and making future plans were
based on the inaccurate information they provided to me and to my title
company, therefore, they should be required to eat the lost I was faced
with, and that responsibility should not be on my shoulders.  This is
the same bank who settled an approximate $64 million lawsuit out
of court with the government in May 2016 as a result of they way they
handled FHA loans, now I have this horrible experience with them too. 
They should be held liable and required to do the right thing, and
reimburse me for their error.  M & T never even acknowledge the
modification existed until the title company discovered the lien they
placed on my property.   I cannot understand how they or anyone would
agree that their Customer Service Department should not be held liable
for providing inaccurate information to a client who was doing
everything right and continuously seeking guidance from them to
determine an accurate payoff. M & T Bank even accused the lien
holder of being responsible for sending me a payoff every time one was
requested from M & T Bank, and I learned from the lien holder, after
I sold my home, that M & T Bank had not been honest with me.  This
is a very unethical group of individuals, if they can stand by this type
of behavior, and maintain that they should be held blameless.  After
the error was discovered and I called M & T Bank to confirm my
payoff, then they stated that the modification amount was not included. 
It was simply too late at that point, but they were trying to do damage
control.

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.   It’s the way the company handled everything. My grandmother worked with  them and worked with them, attempted to set up payment plans to get the  car back on track so they didn’t take it. There was no notice of repossession actions taken. The collection agencies didn’t forward her  in regards to any of it, the first time she had any notification was a hit to her credit report afterwards. And the collection agencies harassed her, there was many unsuccessful attempts, but we told them all to stop contacting us. And by law not one of them followed through with  our request. In my opinion M&T bank should be disgusted how they  handled this, they didn’t even give a 93 year old woman a chance. Now  she’s passed, I’m therefor responsible for a charge off for the company. That they’re still hitting me for “late payments” and additional fees.  There is no additional documentation to prove my stance, but I will be contacting a lawyer to take further legal action against the company. All documentation is with my grandmother who has passed.  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.   My issue with the following response is that my refund request explicated requested for the refund to be returned to me. In the fax request I provided my contact information in case there were any questions/concerns. If the bank was not going to honor my refund request, then I would expect that the next action would be not to refund me.  Instead, the bank refunded the person who paid last (my ex-husband). When I spoke with the representatives waiting to get my refund returned everyone assured me that I would be the one getting the refund back.  However, that was not the case the the refund was returned to my ex-husband.   Once it was realized that the refund was returned to my ex-husband I was even told that the monies would be returned to me. This did not happen either. To make this correct I am still requesting my refund sent back to me from the bank since it was given to the incorrect person (my ex-husband).  Regards,  [redacted]

Review: I initially went to Meineke Car Care Center #[redacted] due to a check engine light, this was in August 2013. Since then I have been back and forth to Meineke approximately 20 times due to faulty repairs and/or the mechanic creating additional problems with my vehicle. Every time I took the car back I discovered that there continued to be a problem;either something was replaced incorrectly, not tightened properly, or the wrong part replaced/repaired etc. and after all that the check engine light is still on and my car doesn't turn off properly now, after them replacing my evap hose; without my permission. I've lost days at work and carfare back and forth.Desired Settlement: complete all repairs correctly or refund my money

Consumer

Response:

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

Sincerely,