M&T Bank

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not fully resolve my
complaint. I feel that in error in the accuracy of this information it should be noted that I was indeed contacted by M&T Bank collections department. Whether or not this was a 3rd party in Colllections of M&T regardless I do have phone records (can provide from my carrier) and a recording to prove thisThis was indeed made, would like this statement accepted, and my further statements to pay were not addressedTherefore, I will appreciate and accept the waiver of the $fee (I have already paid it so seek a $credit) but also would like my dissenting view published and documented. Regards, *** ***

Dear ***,
Your recent correspondence regarding a request for additional information for Mr*** ***'s complaint to your agency was brought to my attention for reviewOn October 21, 2014, *** ***, M&T Bank ("M&T") Senior Underwriter, contacted
Mr*** to discuss his recently declined Home Equity Line of Credit applicationMs*** explained that a new credit report was pulled and the delinquencies he disputed with Experian were now showing removedHowever, as his revolving usage is still high and he has had several recent inquiries and a Bankruptcy, the application would remain declinedMs*** informed Mr*** that for reconsideration, she would recommend him having at least months paid as agreed credit, lower revolving usage and fewer inquiriesM&T cannot provide a copy of Mr***'s credit report directly to himInstructions on how to obtain this information was provided with the declination letter given to Mr***Sincerely, *** *** Customer Care Specialist
Office of the Customer Advocate

Dear ***, Your recent correspondence regarding Mr*** *** was brought to my attention for review. On October 16, 2014, Mr*** contacted the M&T Bank ("M&T") Telephone Banking Center to report three (3) unauthorized transactions that posted to his accountThese
transactions posted on October 10, 2014, in the amounts of$19.50; $19.50; and $from *** *** Concessions (the "merchant")Mr*** requested to file a dispute on the three (3) transactionsAs a result, an investigation began and Mr*** was provided with provisional credit in the amounts of$19.50; $19.50; and $on October 17, On October 20,2014, the merchant credited Mr***'s account in the amount of $As a result of the merchant credit, the dispute was deniedA letter was mailed to Mr*** to inform him of the denial and to also inform the provisional credit would be reversed on October 27, The M&T Investigator assigned to Mr***'s dispute erroneously miscalculated the
original dispute amounts, and the entire provisional credit was reversedHowever, the remaining $transaction should have remained open for further investigationUpon receipt of Mr***'s correspondence to your agency, M&T reviewed Mr***'s
account in attempts to reopen the dispute for the $However, on November 3, 2014, the merchant provided an additional credit to Mr***'s account in the amount of $On behalf of M&T, I apologize for the error made and for any inconvenience this may have caused Mr***Sincerely, *** *** Customer Care Specialist Office of the Customer Advocate

I spoke with Mike at M&T Bank and he stated an additional letter was also sent out on 10/15/

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. None of these "overdrawn" charges are mine or my mothersI've never owned a single paper check theres no way I was writing checksI don't even know what a huntington trial isSomeone must have gotten a hold of my information and used my accountAnd still to not notify anyone of activity on the account? Especially one thats getting repeted transactions and constantly being overdrawn? Thats unprofessionalIts almost like you were hoping we'd never notice, and to expect to settle without even questioning these charges? I've owrked so hard to fix my credit, and I live paycheck to paycheckThis is not fairRegards, *** ***

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For
your reference, details of the offer I reviewed appear below.Dear M&T
Customer Care Specialist, I have
reviewed your response to my complaint and as a customer; I appreciate the
goodwill gesture of $overdraft fee Refunded on February 13,
However, this letter does not answer all the questions I raised in my complaint
and reality with my transactions are far removed from what you mentioned in: -
The third
paragraph of your response letter “ First when you use your M&T debit
card or a purchase, the authorized amount will be immediately held on your
account as a pending itemThe Hold is pending until such time that the
merchant sends in a final settlement request, but no longer than Three (3)
Business days.” On
01/25/2015, I used my debit card to pay a $bill at *** Restaurant
That transaction was authorized but the amount was never held immediately on
my account as a pending item as of 01/29/However, on 01/30/15,
transaction that were never listed as pending got posted on 01/29/15, I guess
it went through the 01/29/night batch as you saidSee attached supporting
document: 01/29/and 01/30/M&T account screenshot and Receipts. -
Fourth paragraph “In Addition, M&T
utilizes the date and time debit card transactions are authorized to determine
the posting order.” On
01/28/2015, I paid with my M&T debit card an $bill at *** ***
That transaction was authorized and the amount was held immediately on my
account as a pending item as of 01/29/However, M&T Bank does not utilize
the date and time debit card transactions are authorized to determine the
posting orderIf that was the case the 01/25/transaction should be posted
on 01/28/instead of 01/29/sticking with the M&T Three (3) Business
days processing time once a transaction is authorizedActually that 01/25/
transaction got posted Four (4) business days later See attached supporting document:
01/29/15 and 01/30/M&T account
screenshot and Receipts
Regards, *** *** ***

Dear ***,Your recent correspondence regarding Mr*** *** was brought to my attention for review.After utilizing M& T Bank's ("M& T") Online Banking to view his account balance on Sunday, November30, Mr*** indicates having $in his available balanceHe then made
a debit cardpurchase at ***'s in the amount of $He is questioning the overdraft fee charged for the***'s purchase even though the funds were available at the time of purchase.On Sunday, November 30, Mr***'s total balance was $1,Mr*** had sixteen (16)debit card purchases pending, leaving the available balance $at the time of the referenced debitcard purchase in the amount of $at ***'sAs a reminder, debit card transactions generallypost to the account a day or two after they are authorized and never on a weekend or holiday.On December 1, nineteen (19) debit card and ATM transactions posted to the account as well as apreauthorized ACH payment posted in the amount of $There were not sufficient funds to coverthe ACH payment which overdrew the accountThe ending balance on December was negative$255.04.On December 2, an overdraft fee for $was charged to the account for the ACH item from the priordayAlso on December 2, the ***'s transaction for $posted to the account and furtheroverdrew the account which resulted in a second overdraft fee being assessed on December 3Overdraft Fees are assessed upon posting of an item to the account, regardless of the balance at thetime of an authorizationAs noted above, a debit card purchase typically posts to the account a day ortwo after a transaction has been authorized.As a reminder, M&T offers the option to authorize and pay everyday debit card and ATM transactionswhen sufficient funds are not available in the checking accountOur records indicate Mr***elected to allow M&T to pay and authorize everyday debit card and ATM transaction when the funds arenot availableIn this case, the funds were available at the time of the purchase; however, to avoid theoverdraft fee, the funds need to be available when the item clears, as overdraft fees will not be assessedon pending transactionsMr*** is able to change his election to no, and M& Twill not authorizeATM and everyday debit card transactions when funds are not available in the account and will notcharge an overdraft fees should an ATM or everyday debit card transaction post against insufficientfunds.For more information, please see the enclosed What You Need to Know about Overdraft and OverdraftFeesMr*** may change his Overdraft Election by going into a local branch, via mail to theaddress noted in the attached, calling M&T's Telephone Banking Center at ###-###-####, or by visitingmtb.com/managemyaccount.Sincerely, *** ***Customer Care SpecialistOffice of the Customer AdvocateEnclosure

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear belowM&T reps have basically not responded to any phone calls to myself or my husbandWe were transferred to another rep after ***, and I have called and left messages for *** and had not heard backI had asked in my messages to please call so that we could speak to an actual person rather than through email , but we never received a phone callThe May offer withdrew because at the time, M&T didn't tell us that if we were in loan modification then we wouldn't be eligible for a short sale processThis I feel should've been brought to our attention in February when I told *** that we were transferring in JulyShe told me in March that the loan modification should be closed shortlyWhen we got the offer, CASH offer, in May for $155,, *** called us early June to tell us we didn't qualify for a short sale yet since our modification hadn't 'closed'Yet even then she couldn't give us a closingt ime on this loan modificationYes that buyer backed out due to not wanting to wait until M&T could finally decide which direction to goM&T sent us papers saying we moved out of our house DAYS before we actually moved outI know that it's only days but I feel they liedI feel they are being dishonestM&T took our monthly payments for a year, but strung us along since this past February on this loan modificationThis process ate up so much of our time and moneyThe stress of hearing no news every other week or every other is just to much for anyone. The last offer of $152,wasn't accepted by M&T because it was said they wanted it closer to the appraisal price of $165,We've tried since February of to sell this house to pay off this loan with no solid offersI feel they need to take what they can so we can pay off as much of this loan as possible. The house has now sat empty for over months and as the winter months set in with no one it will be tough to keep up with utilities. The short sale rep, ***, couldn't even tell us where the additional mortgage came from on this homeYet when you look at their monthly statements the additional loan shows up on there and has since December of last yearI hope we can reach an agreement as well because the more I spend on an empty house is a another month of not being able to pay off any other debt we have oweI think they need to contact us, by phone, and weekly if necessaryThe emailing back in forth gives no comfortI don't think this helps with any of our questions*** has not called us since she transferred us to *** in August so there is no reason we'd call herEspecially since she wasn't even remotely helpful when she was our 'designated M&T' rep. I do thank them for responding, but really this isn't resolved at all. Regards, *** ***

Dear *** ***, I am writing in response to your correspondence to the Revdex.com regarding the above referenced mortgage accountI understand that you were concerned with the late fee assessed for the December payment.Please allow me to address your concerns belowIn your
correspondence, you stated that you received a tax exemption and contacted M&T Bank ("M&T") to confirm that your escrow account reflected the reduction of your tax assessment.Once confirmed, you stated that you were instructed by an M&T Bank Customer Service Representative to pay $for the December 1, payment, as this would be your new payment amount once the escrow analysis was performedPlease be advised that M&T received your tax exemptionAn escrow analysis was performed on December 22, to adjust your monthly payment to $632.03, effective with the January 1, paymentAs your payment was adjusted effective with the January payment, your December 1, payment was $When M&T only received your partial payment of $on December 15, 2014, the payment was placed into the suspense (holding account) pending receipt of the full monthlymortgage payment of $As a result of not receiving the full payment amount prior to the end of your 15-day grace period, a late fee of$was assessed to your mortgage account on December 16, After careful consideration, the late fee assessed for the December payment of $has been removedIn addition, there was no negative reporting to the credit bureauAs of the date of this letter, your loan is due for the February 1, payment of $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 *** *** *** with any concerns you may haveSincerely, *** *** Mortgage Research Retail Loan Servicing Cc: Revdex.com

Dear ***,Your recent correspondence from *** *** regarding a business account held with M&T Bank ("M&T") in the name of Treatment Trends, Inc., was brought to my attention for reviewUpon review of this account it was discovered Ms*** is not titled on the accountOn
November 12, 2014, Ms*** and Theodore *** (authorized signor on the account) visited the M&T Branch located on South Cedar Crest Blvdin Allentown, Pennsylvania, to discuss the account and the service chargesAt that time they also wished to close the accountMs*** and Mr*** met with *** ***, Relationship Banker II, at the Cedar Crest BlvdBranchPer their request for a refund of the monthly service charges, Mr*** reached out to the Branch Manager, *** ***Ms*** advised Mr*** no charges would be refundedMr*** advised Ms*** and Mr*** regarding the refund and, per their request, closed the accountAt this time as no bank error occurred, no refund is warrantedIf Mr*** or the other authorized signors have additional questions regarding this account I would encourage them to contact Ms*** *** at 610-776-6422. Sincerely, *** *** Customer Care Specialist Office of the Customer Advocate

Dear ***,Your recent correspondence containing additional concerns for Ms*** *** was broughtto my attention for review.M&T Bank ("M&T") follows standard industry practice when mailing titles to customers.However, if a customer does request to have their title sent via Certified mail, M&T canaccommodate this request and the customer would be assessed the fee for the mailingAs Ms.*** did not contact M&T to request her title to be sent via Certified Mail, the title was sent viaUSPS on September 30, 2014.It is important to note that although Ms*** has a mailing address of Massachusetts, thevehicle in question was titled in MarylandIn the State of Maryland, the owners hold their titlesand the lender (in this case, M&T) holds a Security Interest FilingThe State of Maryland willaccept lien release letters in lieu of the Security Interest FilingM&T records indicate a lienrelease letter was sent to Ms*** on October 15, 2014.Sincerely,Customer Care SpecialistOffice of the Customer Advocate

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. My original complaint was specific to the
first time the bank denied my POS purchase attempt for groceries on 9/28/
However, the response sent to me referenced only the second time that M&T denied
my POS purchase attempt for groceries on 10/5/After the first fraud alert was lifted on 9/28/14, I
was able to use my card throughout the week on other POS purchases with no
issues. However, my card was
declined at the grocery store again on 10/5/14.
After I was embarrassed and humiliated again, I contacted the Fraud
hotline # located on the website. A rep
by the name of *** stated that there was a high fraud alert placed on the
grocery merchant “***”, not just the particular store but the entire chain I was told that a fraud alert would “be placed
on my account anytime I shop at ***”The only way they will give me access
to my money is if I “use my pin #”, which of course puts me at higher risk of
fraud. The rep took the alert off for
the second time, but assured me that it would be placed on my checking account
again if I go back to ***M&T Bank is placing FRAUD alerts on customer's
accounts when they attempt to shop at *** Foods grocery They will not allow POS purchases at *** Foods
and therefore refuse to provide their customers protection from fraud. I am asking that they provide me with the same level of service regardless of where I decide to conduct business. Regards, *** ***

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For
your reference, details of the offer I reviewed appear belowI do not have an issue with the ATM withdrawl limit placed on the card. In fact, I strongly agree with the limit as it protects the account from illegitimate withdrawlsThere are reasons to use the branch as opposed to the ATM for withdrawls such as a significantly small amount (under $20) which most ATM's cannot dispense or a significantly large amount where security dictates identification and verificationIn these instances especially, a fee should not be charged for the use of standard banking practicesThe issue I have is the dollar "withdrawl fee" for my checking account. I have been a customer with M&T (formerly *** *** ** ***) for over years. This fee has never been mentioned, charged, discussed or sent to me in any notification at any time during my year patronage of M&T Bank. Furthermore, any fees associated with any type of account is not available on M&T Bank's website (including Web Banking) for secondary verification of a legitimate fee. The requirement to use a counter check or my own check requires the expenditure of funds (via the fee or paying for checks which is another charge from the bank) to access my funds. No other bank has this type of charge This is a fee which prevents access to my funds. M&T is obligated by law to provide me access to my funds as a qualified depositor. Regards, *** ***

Revdex.com:
M&T reversed the fee that had been mistakenly charged to my account, so I am "accepting" their response to my
complaint. But as I noted originally, the amount of money at stake here was not a lot. I submitted this complaint not only because of the erroneous fee but because of how time consuming and frustrating it was to fix a clear bank error. It remains to be seen whether M&T learns anything from this experience or whether it continues with business as usual
Regards,
*** ***

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my
complaint. For your reference, details of the offer I reviewed appear belowYou can explain why it happened it doesn't mean it was right! I was lied to and paid money to you with the rate that was promised you shouldn't have told me you would lock in a rate and not follow thruRegards, *** ***

*** *** called and stated he spoke with *** *** and *** offered him to refund half the fees and split the difference if I would accept this and be done with itI accepted this verbally but it is not satisfactory to meI still want all the fees refunded in the amount of around
$as I miscalculated in my original complaint when requesting around $I want all the service fees refunded

*** ***
*** ** ***
*** ** ***
*** *** **
*** *** ** ***
*** *** *** ***
*** *** *** *** *** ** ***I am writing in response to your follcorrespondence to the Revdex.com regarding the above referenced mortgage accountI understand that you were concerned that you have not received the escrow refund check, reissued to you on December 1, You also expressed your disagreement with statements provided to you in our prior response, dated January 2, Please allow me to address your concerns belowIn your correspondence, you indicated that M&T Bank ("M&T") was aware of your address changeM&T receives periodic notifications from the U.SPostal Service (USPS) regarding address changes and updates are processed accordingly upon receipt of the notification by the USPSEach time M&T received a notification from the USPS to update your mailing address a notification of the change of address was mailed to youI reviewed your account further and confirmed that you contacted M&T's Customer Service Department by phone upon receipt ofthe change of address notification letters to request that your address be changed to the property address on the following dates: September 12, 2013, December 13, 2013, May 22, 2014, and June 23, We have no record of your written request, with your signatures, to cease the automatic address update when the USPS address notifications are receivedAs indicated in your correspondence, you were notified of this by phone during your telephone conversation with a Customer Service RepresentativeWhen the subsequent change of address notification from the USPS was received on September 9, 2014, you were notified by mailHowever, M&T received no further address change request by you, by phone or in writing, prior to your loan payoff on October 27, Upon receipt of your complaint, we confirmed that your account was updated to cease any further automatic mailing address updatesYou may also contact the USPS directly to ensure that they are in receipt of your current mailing address to avoid future mailing issuesWe apologize for any inconvenience you may have experiencedRegarding the escrow refund, per your request by phone on January 5, 2015, a request was submitted to place a stop payment on the escrow refund check reissued to you on December 1, (check no*** **)If you locate this check, you may void this check as it is now nonnegotiablePlease note that there is no record of this check being returned to M&T by mailAnew escrow refund check (no***) was reissued to your property address: *** *** *** *** ** *** on January 8, 2015, in the amount of $5,If this check is not received within 7-business days, please feel free to contact me directly at the phone number(s) referenced below, and we will ensure that the delivery of this check is expedited. 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 *** *** *** (press options 1, 6) or my direct number (***, with any concerns you may haveSincerely,*** ***

My settlement request is:I'd like to be able to access my info when needed, regardless of if my voice is familiar to an employee or notAs long as I provide proper forms of ID, I should be able to access anything of mine. Yes you may contact the company on my behalfThanks!

Dear *** ***,
I am writing in response to your letter of complaint filed with the Revdex.com regarding the above referenced mortgageI have been able to confirm that you enrolled in the automatic clearing house payment method
(ACH) via the My Mortgage Info website on 8/29/Upon
completion of your enrollment you are provided a "Thank You" page which you are instructed and agree to print as a confirmation for your recordsThe "Thank You" page advises you of the first draft date on which the ACH will occur for your accountIn addition, a confirmation letter dated August 29, was mailed to youThis letter confirmed that the ACH drafting would begin with the October monthly paymentI have enclosed a
copy of the letter for your recordsSince the September monthly payment was not received, the account became delinquentThe ACH drafting will only draft if the account is current as stated in the ACH agreementAs the account was past due, the scheduled ACH payment for October did not draftI was able to confirm the following attempts were made to advise you that a payment had not been received for the September 1, due date:
• 9/03/14- An electronic monthly statement was sent to you
• 9/17/14- An electronic monthly statement was sent to you
• 9/22/14-A voicemail was left on the cell phone number listed in our records
• 9/- An attempt to call the home phone number listed in our records was made, but
there was no answer and no answering machine was detected
• 9/30/14-A voicemail was left on the cell phone number listed in our records
• 9/30/14- An attempt to call the home phone number listed in our records was made, but
there was no answer and no answering machine was detected
• 9/30/14-A call back was received from the cell phone owner advising the cell phone
number listed was not registered to you
I have enclosed a copy of the monthly statements sent to your e-mail address as requested for your recordsI can see that you reviewed your account information via the My Mortgage Info website on 10/12/and contacted M&T Bank regarding the account status on 10/14/On 10/14/14, you submitted two monthly payments via the My Mortgage Info website to bring the account current and due for 11/1/In addition, you paid the September 2014late fee on 10/14/in the amount of$As a customer courtesy, I have requested the late fee to be removed and the funds previously paid mailed to you under separate coverM&T Bank reports all factual information to the credit bureaus as required by the Fair Credit Reporting ActI have not found that any errors have been made by the Bank regarding this credit reportingIf you have any other information demonstrating an error made by the Bank, we will be happy to research this further for you
I hope 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 *** *** ***, with any concerns you may haveSincerely, *** *** Mortgage Customer Support Retail Servicing Enclosures CC: Revdex.com Complaint ID

Dear *** ** *** *** *** ** *** I am writing in response to your letter of complaint filed with the Revdex.com regarding the above referenced mortgageIn your complaint, you expressed concerns related tothe escrow refund checkUpon review of the account, the mortgage was
paid in full on 10/27/14, and the escrow refund in the amount of $5,was mailed to you on 10/31/Per the attached correspondence, the escrow refund check was mailed to *** *** *** *** ** ***We notified you via correspondence, dated 9/5/14, that we had received an update from the U.SPostal Service regarding your change of address from *** *** *** *** *** ** *** ** *** ***
*** *** ** ***When notification from the U.SPostal Service is received the account is automatically updatedAs was requested in the correspondence,you did not advise M&T Bank at that time that the mailing address was to remain as *** *** *** *** *** *** *s only *** ** *** no longer resided at the property. On 11/24/14, you contacted M&T Bank and advised that you had not received the escrow refund check and requested that the check be reissued and mailed to the property address, *** *** *** *** *** ** ***Per your request, the mailing address was updated and on 12/1/14, the check was reissued and mailed to to *** *** *** *** *** ** ***On 12/5/14, M&T Bank again received notice from the U.SPostal Service advising the mailing address should be *** *** *** *** ** ***,and the account was automatically updated. On 12/12/14, you advised via our Customer Service Department that the mailing address should not have been changed, and the mailing address was corrected per your request to *** *** *** *** *** ** ***As there is an issue with the U.SPostal Service requesting the change of address in error, I have requested that the mailing address only be changed if M&Tbank receives signed and dated correspondence from the borrowers. Upon review of the account, the original escrow refund check, number***-***-*** dated 10/30/14, was processed by both borrowers on 11/28/However, per your request on11/24/14, M&T Bank placed a stop payment on that check on 11/26/and a new check, number***-***-*** was issued to both borrowers on 11/28/and mailed to you on 12/1/As you cashed check number***-***-*** which had a stop payment placed on it, the check will be returned by your bankYou will need to cash the reissued check, number***-***-*** which is still outstanding to receive your escrow fundsIf you did not receive the reissued check, please contact our Customer Service Department at the number listed below to have the check reissued to you againI have enclosed a copy of all correspondence/notifications that were sent for the above mortgage for your reviewI hope 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 ###-###-####, ext7809, with any concerns you may have.Sincerely, *** *** Mortgage Customer Support Retail Servicing Enclosures CC: Revdex.com