Consumer complaint received 2023-11-17
Company: M&T BANK CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I just had a Complaint on this BANK M @ T, An they sent me a letter stating untrue events, an I wan na put another complaint in, because ever since I received the letter from them, I still haven't came to know resolution. Everytime I calls they Answer, Once I say who I am, they don't come back to the Phone. So it's obvious they're mad because I put a complaint on them, now they're really not helping me, an I'm 60 days past due, because they know they're wrong an everything in that letter was not the Truth, j called them numerous times trying to resolve this matter, I was brushed off until I put the first complaint in. I called this bank yesterday to setup a payment arrangements as the letter states, an I spoke to a representative, then he hung up once he pulled up my file, then I called back, got another representative they pulled up my information, an never came back on the line, as if they're trying to be funny. If the letter they sent me asking to call an clear this situation up, why are they not helping me out, because they know I'm a minority an their taking advantage of that, ( XXXX XXXX ) Their not honoring their letter they provided to me, I told them about everything I was going thru an The help i needed from them because the interest Rate is out the Roof, an how can anybody pay that at this TYPE OF RATE, AN THEY STILL HAVEN'T TRIED TO HELP ME WITH REFINANCING, SOMEONE SHOULD HAVE REACHED OUT TO ME FIR REFINANCING, BUT YET AN STILL NOTHING HAPPENED, SO I NEED CFPB TO STEP IN AN HELP JE RESOLVED THIS, BECAUSE IT SEEMS AS IF I NEED A ACTUAL CONSUMER LAWYER FOR MATTER, BECAUSE IM NOT GETTING NOWHERE WITH THIS BANK AS I STATED IN THE PREVIOUS COMPLAINT, THAT'S HOW I KNOW THE DEALERSHIP GOT A HOOK UP WITH This BANK SOMEHOW.. BECAUSE THEY Will TALK TO Them BUT NOT ME, An I'm the one whose paying them, that's how I Kno something not rite here!!! I have an XXXX XXXX XXXX XXXX XXXX sister I take care of, I NEED MY VEHICLE, BUT AT THIS RATE, WITH ALL THE IDENTITY THEFT AN DATA BREACH BY XXXX AN THE CLOSING OF MY ACCOUNTS, DUE TO THIS MADE IT DIFFICULT FOR ME, AN WHERE'S THEY'RE COMPASSION FOR WHAT IM GOING THRU, {$670.00} IS ALOT TO.PAY RITE NOW FOR A VEHICLE THAT NOT WORTH THAT MUCH, ITS 5 YEARS OLD NOW, THE CAR BEEN DEPRECIATED THE MINUTE I LEFT THE DEALERSHIP, NOW ITS REALLY WORTHLESS, BUT I'M PAYING A BILL AS IF I HAD A BRAND NEW VEHICLE. I NEED HELP WITH THIS BANK, UNDERSTANDING MY ISSUES. THAT'S WHY I SENT THEM A LETTER TO RESCIND THIS LOAN, AN GIVE MY BACK THE MONEY I'VE ALREADY INVESTED, SO I CAN FIX THIS VEHICLE, BECAUSE DIFFERENT MECHANICAL ISSUES ARE STARTING, THE BANK DON'T WAN NA HONOR THAT EITHER, ALL THEY WANT ME TO DO IS PAY THEM, WHAT THEY Claiming I owe them. This is Absurd... I calling to resolve the issue, an they're ignoring me still as the were before, Something is not rite with this Bank their banking Practices are unfair an their not Consumer friendly, but quick to take your money, an slow to help u when u need help from them. They lied an said I never called them. I've called a few times, how do u think I know I couldn't REFINANCE because they told me, I needed a COSIGNER, I didn't need a COSIGNER to get it, y I need A COSIGNER to get my monthly rate lowered, the Rare is so high, it look as if I never made a payment, an this bank knows this is not rite!! I DON'T WANT MY CAR REPOSSESSED, WHEN I'M TRYING TO RESOLVE THIS BECAUSE THIS BANK IS NOT TRUTHFUL. NOR HONORABLE, OR CONSUMER FRIENDLY ... ITS ALL ABOUT GETTING YOUR MONEY, WHATEVER ILLEGAL TACTICS THEY GOT TA USE, THEY USING IT, BECAUSE THEY KNOW THAT I DON'T KNOW, SO IT'S EASY TO GET OVER ON ME AS WELL AS THOUSANDS OF OTHERS, WHOSE IN MY SITUATION, I NEED CFPB TO STEP IN AN HELP ME GET THIS RESOLVE, THIS IS NOT FAIR TO ME AT ALL, AN ANYBODY ELSE GOING THRU THIS THE ECONOMY IS SO HIGH RITE NOW, EVERYTHING IS UP, EVERYTHING GAS, FOOD, RENT, IM PAYING MORE FOR This VEHICLE THEN ANY OTHER BILL I HAVE, AN THE BANK DON'T CARE AT ALL, I SHOULDN'T BE SUBJECTED TO A Bank THAT DOES THIS, IF I WAS PAYING THEM MY MONEY THEY SUPPOSED TO BE ABLE TO Help ME, THAT'S Y THEY HAVE REPRESENTATIVES AN BOSSES, AN CORPORATE OFFICES, IM NOT UNDERSTANDING THIS BANK, I NEVER HAD THESE ISSUES AT NO OTHER BANK, AN THIS IS NOT MY FIRST VEHICLE, I WILL NEVER RECOMMEND THIS BANK TO ANYONE, THEY ARE VERY VERY VERY DIFFICULT TO DEAL WITH, I'M GOING TO EXPOSE THEM ON SOCIAL MEDIA, SO THAT OTHER PEOPLE DON'T GET SUCKED INTO THESE PRACTICES OF FALSE MALFEASANCE, ALOT OF THESE BANKS ARE PRACTICING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation