Consumer Complaints: Manufacturers And Traders Trust Company

I asked the company that had my information into the collection agency to provide me with signed documents that has my social security number, date of birth and original signature on documents that shows my signature and correct SSN and DOB all documents and none of what I asked for has yet to be provided, they send me everything but what I've asked for. No documents have been confirmed with my signature, correct DOB and SSN

In XXXX of XXXX, purchased a new XXXX XXXX. Dealer supplied financing through M & T Bank. Initial monthly payment was {$680.00}. I paid {$700.00}, expecting additional {$20.00} to be applied to Principal. That hardly ever happens. Even if I enclose XXXX checks, XXXX for the amount due that month, and a second check with a note to apply additional funds to Principal. That rarely happens.
For the payment due XX/XX/XXXX, I sent a check in the amount due, {$200.00} ( reduced due to all the " over '' payments made prior. That was applied fully to XXXX on XX/XX/XXXX. I send a second check with a note to apply to Principal, in the amount of {$500.00}. That was processed on XX/XX/XXXX. Of that {$500.00}, {$170.00} was applied to XXXX ; and a whooping {$320.00} to additional XXXX. There is no way that much Interest accrued in XXXX weeks.
Is this legal? It seems like XXXX to me.
I have contacted M & T Bank by phone, via their website and in person several times to no avail.
Please help.
Thanks XXXX

On XX/XX/2024 I filed a quit claim deed to revoke power of attorney from XXXX XXXX XXXX XXXX but they refuse to drop the auction even tho they don't have any power of attorney over my property..

No narrative provided by consumer.

No narrative provided by consumer.

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the XXXX letter and dispute I have sent to this CREDIT BUREAU along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and these creditors and CREDIT BUREAU are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my XXXX notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. My XXXX notice of litigation will be a lawsuit suing this credit bureau, these company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, XXXX going to sue for my rights being violated, pain and suffering, false allegations from these creditors and credit bureau, and assisting to furnish wrong and fraudulent accounts. I demand all accounts be removed ASAP.

Specifically, I refer to the following account : FRAUDULENT ACCOUNTS : XXXX. M & T BANK : {$330000.00} ACCOUNT # XXXX XXXXXXXX XXXX XXXX : {$50000.00} ACCOUNT # XXXX XXXX. XXXX XXXX : {$540.00} ACCOUNT # XXXX XXXX. XXXX XXXX XXXX : {$9500.00} ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX {$210000.00} ACCOUNT # XXXX XXXX. XXXX XXXX : {$4700.00} ACCOUNT # XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$400.00} BALANCE {$900.00} ACCOUNT # XXXX XXXX. XXXX XXXX XXXX : {$300.00} BALANCE {$460.00} ACCOUNT # XXXX XXXX. XXXX : {$100.00} BALANCE {$650.00} ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$7000.00} BALANCE {$2400.00} ACCOUNT # XXXX Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These above addresses are fraudulent, and these perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was incarcerated for 10 years ; this is the XXXX notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.

No narrative provided by consumer.

I received an email from M & T Bank regarding an account opened in my name using my social security number and address. I was able to successfully close the account before any activity occurred but the individual created an online account using a separate email.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

M & T Bank, has violated my rights.


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

No narrative provided by consumer.

No narrative provided by consumer.

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Something is not right. I am being asked to pay homeowners insurance to two different places, one to M & T Bank and one to XXXX XXXX. I can not get a straight answer from them. I am the heir to my dad 's estate home at XXXX XXXX XXXX XXXX, AR XXXX. Our family home is deeded to me. I helped my with all financial matters for many years before he passed unexpectedly in XXXX of XXXX. I have continued to pay this mortgage ( taxes and homeowners insurance are escrowed ) every single month with no missed payments. I have gone to court and have papers as heir to dad 's estate. M & T Mortgage is not sending me proof of insurance so I know and understand what is going on with the homeowners insurance on our home. My brother lives there but has limitations due to illness. I pay the mortgage every month. M & T Bank has not informed me of any homeowners insurance cancellation. Shelter insurance did not inform me of any homeowners insurance has cancelled. I did not get any notices. I am receiving all the mail at my house in I reside here in XXXX XXXX XXXX XXXX TX XXXX. Again, I never received any notice of cancellation. And no payment where ever missed. XXXX at XXXX XXXX sent a check for {$2500.00} in XXXX. This is what started me to ask more questions. I asked what it was for. He said the insurance was cancelled by in XX/XX/XXXX, when the policy expired. I told him I never received a notice. I think XXXX XXXX requires a protocal for this and I do not think it was followed. Since I have being paying the mortgage to M & T Bank, i had no idea there was an issue. M & T bank mortgage has increased twice since XXXX, STATING DUE TO INSURANCE INCREASE. Mortgage was {$380.00} ( estimate ), then it increased to {$450.00} ( estimate ) in XXXX, and in XXXX it increased to {$610.00} ( estimate ). This is almost double the mortgage. This is not right. M & T Bank has me in the dark stating because my dad 's mortgage is in the estate of XXXX XXXX XXXX, they can only allow me to make payments but i can not log into the account and information is limited, meaning I can ask too many questions about the mortgage. This can not be right. I requested current information and am not getting it. I want to know why i am paying insurance and now shelter insurance is asking for an additional payment for non owner occupied home but I am still paying homeowners insurance which is escrowed. I asked M & T Bank to remove the homeowners from escrow and they said no. So I am paying escrowed homeowners insurance, which M & T Bank will not send current proof and I am paying shelter insurance. Again i never got one cancellation notice, I dont know who M & T Bank has the mortgage insurance with currently, because they will not provide me with current proof of insurance. Something is not right. please help to resolve. I have called and wrote to M & T Bank and I have spoke and communicated to XXXX at XXXX XXXX in XXXX XXXX ( prior owner XXXX XXXX XXXX. Please help to resolve.I want to fully understand what is going on with the homeowners insurance. Why was the homeowners insurance cancelled and I never got the notice. Why if is was cancel I didn't received notice until XX/XX/XXXX with a check? Why wasn't I notified sooner. Why am i being asked to pay two Homeowners insurance? Why M & T Bank will not give me the documents I have requested? Request from M & T Bank on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding this matter. Many other communication since dad passed.

No narrative provided by consumer.

I am a XXXXXXXX XXXX male. I fell victim to an internet-based wire fraud scam on XX/XX/XXXX, and wired away nearly all my money in M & T Bank - {$75000.00}. I thought I was being helped by a M & T Bank fraud investigator, who set up an " alias '' account for the wire at XXXX in XXXX VA. Attempts to get information from XXXX on what happened with the wire went unanswered weeks thus insuring I would never be able to recover the theft. The fraud began on XX/XX/XXXX when I mistakenly hand entered XXXX as XXXX. I crazy popup window appeared saying my machine was compromised by hackers, being used to send things out, and to call XXXX at a phone number. There was no way to close the popup. After a while I called the number... Please see attached pdf for the full story and details. I filed a crime report with the Vermont State Police on XX/XX/XXXX, Case # XXXX. I have requested ( FOIA ) a copy of the report. On XX/XX/XXXX I filed an FBI Internet Fraud Crime report for XXXX XXXX using a form at XXXX : XXXX. But there has been no followup. The US Secret Service received a copy to my State Police Report. I talked with an agent, but not enough money was stolen for them to act.

XXXX XXXX XXXX, M and T bank, and XXXX is not crediting my account!!

So the only alternative is to get courts involved!! SMALL CLAIMS AND COURT ORDERS.

XXXX SLOW LIKE A TURTLE BUT BELIEVE ME I XXXX WORK!!

XXXX XXXX XXXX XXXX I have XXXX case managers now.
XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX

Hello, Escrow and Property tax team, I have written this letter with much concern about the suspicious escrow amount disbursed, as well as the lien that was put on my house for missing property tax payments.

To help solve the issue, I have attached all tax information directly from the tax office, and laid it out for you to diminish confusion.

First I would like to discuss the lien on my house XXXX XXXX XXXX and XXXX XXXX XXXX My house is owned by three different individuals, therefore property and mud taxes are split into 3 ( creating 6 different tax bills = 3 for property and 3 for mud ) Original Taxes before late fees : ( this information is important to use for the suspicious escrow amount disbursed ) Property Taxes XXXX XXXX XXXX {$1600.00} XXXX XXXX {$1100.00} XXXX XXXX {$1200.00} Total amount {$4000.00} Mud Taxes XXXX XXXX XXXX {$1100.00} XXXX XXXX {$1100.00} XXXX XXXX {$1100.00} Total Amount. {$350000.00} Mud and property taxes added together = {$7500.00}.
Payments made on time for Taxes XXXX ( Timeline ) XXXX XXXX - Property tax - {$1200.00} - XX/XX/XXXX ( Paid in Full ) ( XXXX XXXX ) XXXX XXXX - Mud Tax - {$1100.00} - XX/XX/XXXX ( Paid in Full ) ( XXXX XXXX ) -Received delinquent notice for remaining taxes ( XXXX and XXXX XXXX -Submitted a request to M & T Bank multiple times to get taxes paid XXXX XXXX XXXX Property Tax - {$1300.00} - XX/XX/XXXX ( Late fees were added ) ( Paid in Full ) ( XXXX XXXX ) XXXX XXXX XXXX Mud tax - {$1300.00} - XX/XX/XXXX ( late fees were added ) ( Partial payment ) ( XXXX XXXX ) XXXX still owes {$300.00} for Mud Tax ( XXXX XXXX ) XXXX XXXX XXXX Property Tax - ( late fees were added ) Partial payment of {$250.00} - XX/XX/XXXX XXXX XXXX XXXX ) Partial payment of {$320.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX still owes {$1600.00} - ( XXXX XXXX XXXX XXXX XXXXXXXX - Mud Tax - {$1300.00} - XX/XX/XXXX ( late fees were added ) ( Partial payment ) ( XXXX XXXX XXXX XXXXXXXX still owes {$300.00} for Mud Tax ( XXXX XXXX ) The total amount of property taxes have been paid altogether with late fees included is : {$3100.00} Still owed Property taxes : {$1600.00} The total amount of Mud taxes that have been paid altogether with late fees included is : {$3800.00} Still owed Mud taxes : {$610.00} IMPORTANT NOTE : I talked with the tax office and they told me they received a check for the amount of {$1600.00} for which {$1300.00} XXXX XXXX XXXX XXXX paid XXXX 's property taxes and the rest {$320.00} ( Exhibit G ) was put into XXXX property tax account, hence the partial payment.

I STILL OWE TAXES AND HAVE A LIEN ON MY HOUSE.
WHO PAYS THE LATE FEES? ME OR THE BANK BECAUSE I DEFINITELY MADE ALL MY PAYMENTS ON TIME, BUT THE BANK DIDNT. THIS SHOULD NOT BE MY FAULT Now part XXXX. Suspicious Amount DIsbursed.

In XXXX and XXXX M & T bank has paid an amount of {$15000.00} out of my escrow for the taxes of XXXX, NOT XXXX. ( Look at page XXXX to refer the actual amount that shouldve been paid for XXXX alone taking into account that XXXX of them ( XXXX ) were paid in XXXX.
As discussed above XXXX ( mud and property tax for XXXX ) payments were made on time in XXXX and there were partial payments for XXXX and XXXX made this year.
The County Tax Office did not receive all {>= $1,000,000} and part of my taxes are still unpaid.
Where is the money going?
M & T Bank has disbursed in XXXX ( XXXX XXXX ) ( for these payments please refer to page XXXX to see that the amount disbursed matches the original amount of taxes before late fees. they should be charged XXXX per year per person. ) XXXX payments of {$1600.00} ( This amount belongs to XXXX and should be paid once, NOT twice ) ( XXXX XXXX XXXX look at Total XXXX Tax on the right-hand side - The number matches XXXX payments of {$1100.00} ( This amount belongs to XXXX and XXXX be paid once, NOT TWICE ) ( XXXX XXXX - look at Total XXXX Tax on the right-hand side - The number matches XXXX payments of {$1100.00} ( This amount belongs to XXXX and XXXX- they are MUD Taxes and should only be paid once for each. Therefore there should only be 2 payments of {$1100.00} NOT XXXX ( XXXX XXXX XXXX XXXX ) Look at TAX XXXX below exemptions.
that's 8 tax bills - we already paid XXXX in XXXX, and we are supposed to have XXXX left ( because there are XXXX people - that makes XXXX tax bills ( read XXXX page to understand this ).
There are XXXX payments disbursed in XXXX.
There should only be XXXX payments in XXXX.
However, the tax office DID NOT receive these XXXX payments. They only received XXXX for the amount of {$1600.00} on XX/XX/XXXX.
NOW XXXX Another XXXX sets of payments were disbursed after an investigation into my account started, after I requested for my taxes to be paid ( Exhibit L ) Therefore there have been in total XXXX tax payments - XXXX in XXXX and XXXX in XXXX.
THERE SHOULD ONLY BE XXXX LATE TAX PAYMENTS MADE THIS YEAR FOR XXXX.
WHERE IS THE MONEY GOING?

IMPORTANT NOTE : I Received an Escrow Refund of {$7400.00} - XX/XX/XXXX for the year of XXXX. I believe they forgot to pay the rest of my MUD AND PROPERTY TAXES.
I AM HAPPY TO RETURN MY ESCROW REFUND TO PAY FOR XXXX TAXES THAT WERE FORGOTTEN.
M & T BANK IS USING THIS YEAR 'S ESCROW TO PAY LAST YEAR 'S TAXES AS WELL AS MAKING IRRATIONAL AND UNSOLICITED PAYMENTS OUT OF MY ESCROW.

I AM FILLING A COMPLAINT TO THE CFPB FOR Improper payments from my account Suspicious money disbursement Failing to pay Taxes and having a Lien in my house Improper handling of account and dismissing customer

No narrative provided by consumer.

No narrative provided by consumer.

XXXX XXXX XXXX M & T credit card services acknowledges that there were funds pending for payments that had not been returned to our savings account in more than two months, but they have not applied our payment to the credit card account either. We are requesting M & T Bank to reactivate our account as our family depends on this account for XXXX XXXX treatments. M & T also refused to give us the date when the card was closed. The M & T representative we spoke to today at XXXXXXXX XXXX stated that even though this is considered an emergency, they told us to contact a local branch, which in the past always referred us to the number on the back of the card.
We are long-time ( over 30 years ) consumers of M & T, and in the last few years have acquired a secure card. We were informed in XX/XX/2024 that if we make a payment despite the immense fraud in our account, our credit card will remain in good standing. Our family relies on this card for accommodation and transportation for XXXX XXXX XXXX. This is our only credit card. We will very much appreciate your kindest help.

XXXX XXXX XXXX XXXX