Product: Checking or savings account

Dear Sir/Madam : On or about XX/XX/year>, responded to the M & T Bank located at XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to dispute XXXX XXXX refusal to return my monies. I assisted by M & T bank associate XXXX XXXX who advised me to email him my supporting documents to his email address XXXX XXXX. As requested, I email XXXX XXXX all of the supporting documents in addition to the proofs that I paid XXXX XXXX  and their refusal to return my monies. 

On or about XX/XX/year>, M & T Bank credited my account in the amount of XXXX XXXX XXXX XXXX and XXXX cents WITHOUT my consent, permission or request. According to XXXX XXXX and the branch manager, M & T Bank credit the disputed amount BEFORE the banks make a determination in regards to the customers dispute. However, what they are withholding is that M & T Bank charges extremely lucrative overdraft fees and other charges IF, the customer use these funds and does not return the credit monies. 

Therefore, M & T Bank IS NOT crediting my account as a courtesy as they want a customers to believe, but rather as an EXTREMELY LUCRATIVE incentive for M & T bank to make additional monies IF, the customers use these credited funds and M & T Bank does not rule in the customers favor with respect to their dispute. It is now XX/XX/scrub>XXXX XXXX XXXX  and M & T Bank HAS NOT given me a resolution with regards to my dispute against XXXX XXXX  and It appears that M & T Bank is trying to gain a benefit off of their customers plight, THIS IS ILLEGAL! 

I called XXXX XXXX on XX/XX/year> at XXXX and XXXX and he advised me that he would return my call, HE NEVER DID! Unfortunately, each time I called ; I was advised by a woman who stated that XXXX XXXX was with a customer. Please keep in mind that this is a VERY XXXX branch with very little customers in the branch. 
I emailed XXXX XXXX on or about XX/XX/year> ( see attached ) to ascertain why my deposit WAS NOT showing in my account ( see attached )? XXXX XXXX is showing that they refunded my bank account on or about XX/XX/year> and for some strange reason, the deposit it not showing in my account. After calling XXXX XXXX on multiple occasions and sending him and email, HE NEVER RESPONDED. 

After I made numerous complaints against XXXX XXXX to the Pennsylvania Attorney Generals Office and the XXXX XXXX XXXX  in regards to their refusal to reimburse my funds, on or about XXXXXXXX XXXX XXXX XXXX reimbursed my funds to my M & T Bank account in the amount of one XXXX XXXXXXXX XXXX XXXX and XXXX cents ( {$190.00} ) ( see attached ). It is Now, XX/XX/year>, and M & T Bank is REFUSING to remove the credit to my account ( {$190.00} ) that I NEVER requested, I never asked for and they did this without my consent or permission. The assertion that M & T Bank does this for all of their customers is a moot issue because I was advised by XXXX XXXX that if, the customer uses these funds and does not pay it back in a SPECIFIC time, M & T Bank charges the customers overdraft fees and other fees for using these funds. 

On or about XX/XX/year>, I spoke to the branch manager of M & T Bank located at XXXX XXXX XXXX XXXX XXXX New Jersey and she advised me that she was going to email M & T Bank and have them remove the credit to my account in the amount of XXXX XXXX XXXX XXXX dollars and XXXX cents ( {$190.00} ). M & T Bank STILL has this ALLEGED credit posted to my account. 

It is now XXXX XXXX ; M & T Bank placed a credit in my account WITHOUT my consent or permission to do so on the EXACT same day I filed my dispute with M & T Bank. I have made NUMEROUS request that M & T bank remove the ILLEGAL credit and they REFUSE to do so. M & T BANK IS HOPING THAT I USE THESE FUNDA SO THAT THEY CAN START CHARGING ME MANY ADDITIONAL LUCRATIVE FEES THAT BENEFITS M & T BANK. 
Therefore, M & T Bank is using this ALLEGED credit to make additional monies off the back of their customers, THIS IS ILLEGAL! I can only imagine or assume what M & T Bank is doing to their other customers and I may be scratching the surface with my complaint of their wrongdoing! 

I have NEVER seen or heard of anything like this in my life! I am requesting your immediate assistance. I am anticipating a refund from the State od New jersey Division of taxation and I can only assume that M & T Bank is going to hold these funds and pretend as if they did not receive them. 

Sincerely, XXXX XXXX