Consumer complaint received 2019-11-27
Company: M&T BANK CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Below is overall summary of the event which I have sent in an email to the executives of M & T bank as well as the board members : To Whom It May Concern : This communication is a desperate final measure to resolve a time sensitive issue. M & T Bank has reported three late payments on my credit history in error, which is subsequently impacting my pending mortgage approval to buy my first home with my XXXX  fianc. 
In XX/XX/2018 I moved from XXXX XXXX Pennsylvania to XXXX. Upon moving, I submitted my change of address to M & T Bank in person at XXXX XXXX XXXX, XXXX XXXX, PA XXXX. In XX/XX/2018 I lost my credit card, reported it missing the next day, and requested that a replacement be mailed to me on the recorded customer service line. After two weeks passed without receiving my card, I called again and was advised that a charge of {$25.00} would appear on my card for the expediting a second replacement, but would return as a credit since the error was made on M & Ts behalf. The {$25.00} charge was placed on my card, never reimbursed, and I never received the card. After 3 days passed, I called the M & T customer service line to inquire about its whereabouts and was told that it had been delivered. I was informed yet again that I would be charged a {$25.00} expedition fee, but would be reimbursed for M & Ts mistake. The card never arrived at XXXX XXXX XXXX, XXXX PA XXXX. After 3 more business days passed, I called a fourth time and finally discovered that my change of address was entered into the system incorrectly by an employee at the aforementioned XXXX XXXX XXXX as XXXX XXXX XXXX which does not exist, causing my card to default back to my previous address, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 
I was instructed to go into a branch in person to correct this error, receive a refund for the multiple expedition fees, and to finally obtain my replacement credit card which I had been without for over a month at this point. When I did so, the branch manager would not help me and I was directed back to the customer service line. 
Ultimately, my decade long tenure as a client with M & T Bank came to an end as every employee I spoke to both over the phone and in person refused to help me. I switched banks and gave up the fight over the {$50.00} not knowing that M & T Bank had submitted 3 separate past due claims for my remaining balance of {$8.00} during the time this went unresolved despite being owed more than my remaining balance by M & T. 
Now, as I am attempting to purchase my first home, I am discovering that M & Ts error is reducing my credit score by roughly 50 points and negatively impacting my mortgage rate. It is my hope that you are able to bring this to a quick resolution rather than have this drag on for months, as it would prevent further unnecessary use of time and resources for all parties. My next steps will involve the Consumer Financial Protection Bureau. 

Respectfully, XXXX XXXX

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 monetary relief