Consumer complaint received 2022-12-20
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Sometime in the last 2 months I opened a new account with M & T Bank ( and I specify sometime as a range because they have handed me several different dates throughout this. ) On the XXXX of XX/XX/2022, My fiance XXXX XXXX sent me {$28.00} through XXXX so we could attempt to use my new account to pay a bill. When I attempted to pay the bill I began getting error notices. I attempted to charge the card elsewhere and continued to get error notices. It was then I attempted to XXXX the money back to my fiance 's account and was told I could not do that. 
Immediately, I began attempting to contact the bank about the issue. One agent said my card was valid and there was no reason I could not use my account. Confused about the error, she sent me to another agent who told me, there was a hold on my account over paperwork. They sent me to another agent who said no, your account is being investigated for fraud. They sent me to their fraud department, who told me they could not do anything and would need to visit my local branch in person to get my funds and fix my account. 

I have no transportation so I attempted to reach out to M & T through email, it took a couple days for them to respond. On the XXXX I received an email they told me was to go into a branch location, have THEM call the number on the hold and they can fix everything. 

On the XXXX of XX/XX/2022, I went to the M & T bank location at : XXXX XXXX XXXX XXXX, XXXX, MD XXXX, with my ID, fiance and children. We were taken into a back office with a special banker, XXXX XXXX. XXXX claimed she could see no hold or issue with the account. After attempting to get her to understand what the emails and ALL THE AGENTS before her said, we finally just tried to have them release the funds from the account so we could stop doing business with them. XXXX had me fill out a withdrawal slip and disappeared out of the room. 
When she returned, all she had was a business card with a phone number on it and told us if we ever want our money or to use the account, WE would have to call the number and have them fix it. 
When we called the number we were told a location/banker needs to call them and they could not help us. 
Not wanting to waste anymore time with people who obviously have mine and my families best interest last, I decided to see how to file against the establishment, and here I am. 
Any assistance is much appreciated as I have exhausted ALL feasible options with this institution and just want my money so I can warn EVERYONE and ANYONE to NEVER use M & T Bank. 
( To clarify, this is not the first time we have had issues with this apparently corrupt institution withholding our funds from our household. In XXXX, there was an issue with using the {$2000.00} check that had been deposited into my fiance 's account and consequently costed us a {$100.00} late fee on our rent for their refusal to disburse our funds then. )

Company response to consumer: Closed with non-monetary relief