M&T Bank

In early June of 2020, I called the Mayville NY branch to inquire about making a withdraw from my checking account. I was told that because the amount was several thousand, I would have to come in to the bank. This was expected and that's why I called. What wasn't expected was being told I had to PUT IN WRITING WHAT I WAS GOING TO USE MY OWN MONEY FOR BEFORE I COULD WITHDRAW IT! Unbelievable! When I finally calmed down enough, I asked why they would make such a request. I was told it was for my protection. I refused their insane request and demanded my money. I had an auto loan with them and informed them it would be gone by the following day!
I ran into a similar problem with them several years ago involving a mortgage I had with them. Immediately upon acquiring my mortgage they started calling me every month to remind me of my upcoming payment. This soon became very annoying, so I called their "customer service" number and spoke to Latisha. I explained to her that the phone calls were annoying and asked her if she could make them stop. She said NO! She then proceeds to tell me they wouldn't be calling me if I had been making my payments on time. I assured her that this was not the case and again asked for the calls to stop; again she says NO! Being the resourceful person that I am, I tell her that I can make the calls stop. She asks how I would be able to do that? I tell her there would be no reason for them to keep calling me if I didn't have a mortgage with them anymore "hint hint". Her response was UNBELIEVABLE! She tells me they would be more than happy for me to take my mortgage elsewhere! NOW THAT'S CUSTOMER SERVICE! I go to their Fredonia NY branch and tell Skip, the manager my story, and watch his mouth drop open. My mortgage was gone the following week! Don't let their moto "Understanding what's important" fool you, it's the farthest from the truth! I wish I could give them a negative star rating! Gene from Western NY.

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 belowThe response doesn't indicate whether M & T received a corrected credit report from experian or what has to change before they will reconsider the applicationOnce I am given this information I will be satisfiedRegards, [redacted]

Dear [redacted] L [redacted] ,I am writing in response to your letter of complaint filed with the Revdex.comregarding the above referenced mortgage.In review of the account, check #was made payable to you, [redacted] ,from [redacted] in the amount of $The funds posted to the account on10/22/and were returned due to non-sufficient funds (NSF) on 11/3/When thepayment was reversed from the mortgage, the automatic draft payment received on10/30/in the amount of $was reversed in error instead of the payment in theamount of $On 11/12/14, due to research being conducted per your request,M&T Bank located the error and corrected the payments to reflect the application of theBi-Weekly payment and the reversal of the $The payment in the amount of$received on 11/7/was applied to suspense (your unapplied funds account) dueto the above payment application error which caused the account to incorrectly reflect asdelinquent.Per your complaint, we have reapplied to the payments as requested, including the$to principal onlyI have enclosed a copy of the payment history for your review.At this time, the mortgage is due for the 11/27/Bi-Weekly draft and there are no fundsin suspenseAs a result of the payment corrections on your account, your 11/27/Bi-Weeklydraft was not processedThe 11/27/Bi-Weekly draft will be drafted on12/8/14, effective dated for 11/27/Upon receipt of your 11/27/payment, yourmortgage will be due for the 12/11/Bi-Weekly draftNo negative credit reportingoccurred or late fees assessed due to the above.I have confirmed that the account has been updated to reflect that any additionalpayments received before the Bi-Weekly draft is to be applied to principal only.I hope I was able to fully address your concernsWe sincerely value your relationshipwith M&T Bank and are committed to providing you with the highest level of serviceIfyou have additional questions, please do not hesitate to contact me at ###-###-####,ext7809, with any concerns you may have.Sincerely, [redacted] ***Mortgage Customer SupportRetail ServicingEnclosureCC: Revdex.com

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 [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 has offered no proof the loan is LPMI not PMI I ask that the bank provide valid documentation the loan is LPMIRegards, [redacted]

Dear Beth, Your recent correspondence regarding Mr [redacted] was brought to my attention for reviewIn , Mr [redacted] became an M&T Bank ("M&T") customer as a result of the [redacted] to M&T acquisitionAt the time of acquisition, Mr [redacted] held a Relationship Checking account with AllfirstThe requirements for this account to avoid a $monthly service charge were: maintain an average daily balance of$1,000; maintain an average daily balance of $2,in combined checking, savings or money market accounts; or $7,in a consumer deposit account, installment loan or home equity accountMr [redacted] maintained an average daily balance of $1,in his Relationship Checking account, therefore avoiding the monthly service chargeIn 2004, Mr [redacted] signed up for an M&T Web Banking accountDuring his enrollment he elected to receive his statements electronicallyEach month, Mr [redacted] is sent an email advising his monthly statement is available and instructs him to log into his Web Banking account to view the statementIncluded within his November monthly statement was the enclosed disclosure titled Important Information Regarding Changes to Consumer Deposit AccountsThis disclosure informed customers who had Relationship Checking accounts that these accounts would be transitioned to an M&T Select account effective January 17, The M&T Select account requirements were different than the Relationship Checking account requirementsThe differences included a $monthly service charge, instead of $The requirements to avoid the monthly service charge were an average daily balance of $5,000; $10,in combined balances or an M&T mortgage with an original amount of at least $100, When the account changed to an M&T Select account, the balance was $4,822.63, less than the required $5,and Mr [redacted] did not have other accounts with M&T to help avoid the monthly service charge Included within Mr***'s November monthly statement was the enclosed disclosure titled Important Information Regarding Changes to Consumer Deposit AccountsThis disclosure informed customers who held M&T Select accounts that the monthly service charge was increasing from $to $beginning January 14,On September 29, 2014, Mr [redacted] contacted the M&T Telephone Banking Center to discuss his accountDuring his conversation with the M&T Telephone Banking Representative, he requested a refund all monthly services charged to him since February As a courtesy, the Telephone Banking Representative refunded three (3) of the monthly service charges (a total of $44.85) immediately, but was unable to refund anything additionalAlso, the M&T Telephone Representative was able to change Mr***'s account type to a MyChoice account, which has an average daily balance requirement of $to avoid a monthly service chargeMr [redacted] then contacted the M&T Hopkins Square branch located in Baltimore, MarylandHe spoke with the Branch Manager, [redacted] , regarding the remaining monthly service chargesAfter reviewing Mr***'s account, Mr [redacted] , as a further courtesy, elected to waive seven (7) additional charges, totaling a refund of $Even if you do not regularly use your account, you are encouraged to review your account statements on a regular basisAs a total of $has already been refunded to you, I am unable to provide any additional refunds Sincerely, [redacted] Customer Care Specialist Office of the Customer Advocate Enclosures

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]

The business has responded to the complaint however has requested that theirresponse not be published

Dear [redacted] ***, I am writing in response to your correspondence to the Revdex.com regarding the above referenced mortgage accountI understand that you are requesting M&T Bank ("M&T") to remove the negative reporting for theSeptember payment from your credit profileWith the exception of the September payment, M&T acknowledges your payment history does not reflect any other instances of delinquent payments since M&T began servicing the loan onAugust 2, M&T is not able to submit "goodwill" corrections to the credit bureaus as we are required to report factual information to your credit profile per the Fair Credit Reporting ActM&T has provided you with details to support that there was no bank error associated with the delinquency of your September payment in our previous response, dated October 29,I hope I was able to fully address your concernsM&T sincerely values your relationship and is committed to providing you with the highest level of quality serviceIf you have additional questions, please do not hesitate to contact me at 1-800-724-2224, ext7831, with any concerns you may have Sincerely, [redacted] Mortgage Research Retail Loan Servicing EnclosuresCC: Revdex.com Complaint ID [redacted]

I am writing in response to your correspondence to the Revdex.com regarding the above referenced mortgage accountI understand that you were concerned with receiving a tax refund of $1,Please allow me to address your concerns belowI reviewed your account and confirmed that your loan was paid in full on November 10, Prior to your loan being paid in full, your scheduled County Tax payment of $1,was disbursed from your mortgage escrow account on November 5, 2014: Please be advised, if a written request is not received to postpone disbursement of your scheduled escrow payments, disbursements are processed as scheduledOn December 4, 2014, you contacted M&T Bank regarding the disbursement for theCounty TaxesPer your inquiry, M&T Bank began tracking a possible refund from Solano County for a duplicate paymentWe attempted to contact the tax assessor several times; however, we were unable to reach the tax assessor to review the inquiryUpon receipt of the tax payment, Solano County automatically issued a refund to M&T Bank ("M&T") of $1,because they already received payment from your title companyOn January 1, 2015, M&T mailed the refund check to youI hope that I was able to fully address your concernsWe sincerely value your relationship with M&T Bank and are committed to providing you with the highest level of serviceIf you have additional questions, please do not hesitate to contact me at 1-800-724-2224, ext7809, with any concerns you may haveSincerely, [redacted] Mortgage Customer Support cc: Revdex.com

Revdex.com: 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 belowM&T bank has continued to refuse to acknowledge that I have been a good customer and have never been late on a paymentI missed the September payment because of an oversight on my part, and have asked them to agree to adjust my credit report out of goodwill since this missed payment was obviously an accident and it does not accurately reflect my likeliness of ever missing another payment in the future (as mentioned before, I have not been late on any payments to anyone in over years)This company keeps reciting the dates of notifications to me (although I have already stated I which ones I received, the others I did not receive for reasons unknown), and side-stepping what I have stated is most important to me, which my credit report Credit reports should let others agencies determine the relative risk of lending to a customer, and reporting a day late payment does not help M&T, other agencies, or myself I have proven that I am reliable and highly unlikely to ever miss a payment in the future, and this missed payment was purely accidental and an isolated incidentI am aware of the fair credit reporting act that M&T keeps quoting, however I am also aware that they are able to make an adjustment out of goodwill so that my credit report does not reflect a 30-day late paymentI would understand their unwillingness to do this if I were someone that often does not make on time payments, but I am not one of those people and I believe that any company that truly values good customers would be willing to forgive a single, isolated oversightRegards, [redacted] ***

M&T Bank has responded to the complaintHowever, it has requested that the Revdex.com not publish the response due to privacy concerns

Dear ***, Your recent correspondence regarding Ms [redacted] was brought to my attention for review and replyPer Ms [redacted] 's correspondence she states she was recently contacted by a debt collection agency referencing a balance owed to M&T Bank ("M&T".) M&T records show a joint account was opened in the names of [redacted] and [redacted] on June 1, Although Ms [redacted] states within her correspondence she did not use this account, as seen on the enclosed account statements, the account remained active through May when the account became overdrawnAs the overdrawn balance was not satisfied, the account was charged off to the M&T Collection Department on August 19, 2009, with a balanceowed of $1,As the M&T Collections Department was unable to collect on this debt, the account was sold to [redacted] ("UCR") in February Since M&T no longer owns the account, we do not have updated information to provide regarding the balanceWe recommend Ms [redacted] continue to work with the agency that has been in contact with her regarding the debt owedSincerely, [redacted] Customer Care Specialist Office of the Customer Advocate Enclosure

Dear ***,Your recent correspondence regarding Mr [redacted] 's additional concerns was brought to my attention for reviewAs noted in M&T Bank's ("M&T") previous response, Mr [redacted] 's dispute was denied based on the information M&T received from the merchant, [redacted] As Mr [redacted] noted in his follcomplaint, I did erroneously indicate that his dispute was taken by an M&T Telephone Banking Center RepresentativeIt was taken at an M&T branchDuring the course of M&T's investigation of the claim, the merchant provided detailed account information which was previously forwarded to Mr [redacted] We recommended Mr [redacted] work directly with [redacted] to resolve his concerns Sincerely, [redacted] Customer Care Specialist Office of the Customer Advocate

The business hasresponded to the complaint however has requested that their response not bepublished

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., as long as inquiry is removed as they stated they would within daysThanks you 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 This was a hardship as my X had left and was for me to take over the mortgage myself and remove him from the mortgage I worked with an attorney and this is all covered Since M&T has misled, I will have no other choice to talk with my attorney a file a lawsuit in regards to this matter and sue Regards, [redacted]

Dear ***,Your recent correspondence regarding Mr [redacted] was brought to my attentionfor review and replyPer Mr [redacted] 's correspondence he states his available balance onFriday, November 14, 2014, was sufficient enough to cover the transactions purchased over theweekend; however he became overdrawn and received several overdraft fees.It is important to note that on November I 0, 2014, Mr [redacted] changed his account electionvia www.mtb.com to not allow M&T Bank ("M&T") to authorized and pay A TM and everydaydebit card transactions when sufficient funds are not available in his account.Mr [redacted] 's start-of-the-day balance on November 14,2014, was $Two ATMwithdrawals posted in the amounts of $and $In addition, a total of five (5) purchases weremade on November 14, 2014, via Mr [redacted] 's debit card totaling $(note thatgenerally debit card purchases do not post to an account the same day they are authorized)Atthe time the debit card and ATM transactions were authorized, Mr [redacted] had sufficientfunds in his accountA $automated ACH debit from " [redacted] " posted during batchprocessingWith the two posted ATM transactions and the [redacted] transaction, Mr[redacted] 's balance was reduced to $23.09.On November 16, at I1: 19PM, Mr [redacted] changed his election to 'yes' to authorizeM&T to pay overdrafts on everyday debit card and A TM transactionsAt :30pm on November16, (a non-business day), Mr [redacted] made a $ATM withdrawal againstinsufficient funds.On Monday, November 17, 2014, the $in debit card transactions noted above postedduring M&T's nightly batch processing as did the $ATM withdrawalAs Mr [redacted] 'saccount indicated a ' yes ' election, M&T was authorized to pay items and assess overdraft fees onATM and everyday debit card transactionsAs such, on November 18,2014, Mr [redacted] 'saccount was assessed four (4) overdraft fees, bringing the account balance to negative $520.69.As no deposit was made to his account within five (5) business days, an Extended Overdraft Feeof $was assessed on November 24, 2014.On November 25, 2014, Mr [redacted] contacted the M&T Telephone Banking Centerregarding the overdraft feesAt that time his request for a refund was refused as no bank erroroccurredMr [redacted] also requested to change his election to no, which was doneimmediatelyHowever, on November 27, 2014, Mr [redacted] 's election was changed to yesvia www.mtb.com, and has been changed four times again since then.Although no bank error occurred, as a courtesy, I have refunded the Extended Overdraft Fee andtwo (2) additional overdraft feesA total of $was credited on December 08, It isrecommended that Mr [redacted] maintain his "No" election to avoid a similar situation in thefuture.Sincerely, [redacted] Customer Care SpecialistOffice of the Customer Advocate

Revdex.com: 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] 0, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Clearly, Ms [redacted] does not have a clue what she is talking aboutMaybe M&T should look at the entire caseThey assume to know what is going onThe facts speak for themselvesFirst off, I never contacted the Telephone Banking Center to file my complaintThe complaint was filed in person, at the Belair Road BranchAt that time I did file a complaint for Services paid for and not renderedThe amount of the dispute was $The telephone rep did not file my requestThe Banking rep did Yes I was issued a provisional creditI received a letter requesting additional informationThe only info that M&T mailed to me was a contractI had never disputed the fact that I signed a contract The reason M&T did not receive my response was that I had eye surgeryI can not see without my glasses I did call the Banking Center and asked to speak to Mr [redacted] I was told he was unavailable, and leave a messageWhich I didI left the message that I had surgery, and I could not wear my glasses for daysI would respond as soon as I was able to see See letterOn SeptI did fax the entire case to Mr [redacted] I called again on Oct to check and see if my fax was receivedI was told that it had notI had confirmation that it hadI faxed the packet againThey received it this time Per MsMcCarty's letter she states that my case was dismissed, because I did not respond when requestedThat was not my understandingWhen I called the Banking center and spoke to Lisa a supervisorI was told that form letters sent out, days to respond is a preliminary requestLisa told me to go back to the Bank on the next Business day and have the case reopenedWhen I went to the back, I was refused the opportunity to reopen the caseThe Rep called the department responsibleShe said that the woman on the phone told her to tell us that the case is closed and would NEVER be reopened I left the bank and called the Banking center againI was able to speak with LisaLisa called someone and she told me that the case was to be reopened because they had received my fax and would look at the new evidenceM&T CLAIMED THERE WERE NO NEW FACTS IN THE CASE SO THE CASE WAS AGAIN DENIEDI truly believe the case was never looked atOnly after I was convinced that the case had not been looked at, did I write a letter to M&T'S Corporate OfficesI never heard from themSo I then contacted the Revdex.comI do not appreciate MsMcCarty's accusations Paragraph per her letterI have the entire time let it be known that I was overcharged as she statesThis was NOT A NEW COMPLAINTSee page May 20,emailsI have stated all along that I was quoted one price , yet charged anotherThis is illegal A merchant cannot quote you a agreed upon price and then charge your account something elseI DID NOT AUTHORIZE THE $CHARGED TO MY ACCOUNTI WAS QUOTED $THAT IS THE ONLY CHARGE I HAD AGREED TOMS [redacted] IS COMPLETELY OUT OF LINE SHE SUGGEST THAT I NEVER MENTIONED THE OVERCHARGEI AM TOTALLY OFFENDED OVER THIS STATEMENTIF M&T LOOKED AT THE CASE, THEY WOULD SEE THAT I HAD ALWAYS MADE IT A FACT THAT I DID NOT AUTHORIZE THIS CHARGEI EXPECT AN APOLOGY FOR THIS STATEMENTIT WAS TOTALLY UNCALLED FORI DO NOT WANT ANYTHING FROM ANYONE OTHER THEN WHAT IS MINE [redacted] did not even activate the switch until days after I paid for the serviceThe switch should have been done on May 21, It was not done until May 30, See page Areas I am following It states Nottingham .Md It was not created by [redacted] until May I clearly did not receive the service I paid for I also was supposed to received the leads on my cell phone I did not ever get leads other then on the site I have done everything in my power to try and correct this situationI had written many emails, many many calls to [redacted] No one would return the call See pages 14- This is the bottom line [redacted] charged me for zip code leadsI clearly told Ms [redacted] that I wanted only ONE ZIP CODE I was being charged for two I was not receiving the leads for The alerts were to have gone to my cellThey never didI did not have any advertisement for on my site unit it was created by [redacted] on May 30, No one from [redacted] would answer any of my calls, or emails M&T has not been any help in clearing this matter as wellIt is ILLEGAL FOR ANY MERCHANT TO TAKE WHAT THEM WANT OUT OF A CLIENT'S BANKING ACCOUNTI agreed to one charge and [redacted] decides on their own to just take what them wanted I feel that I have met the burden of proof in my caseI further believe I am entitled to the refund of my moneyRegards, [redacted]