Consumer complaint received 2023-11-06
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was advised by XXXX a teller at this branch to bring my husband 's payroll check which is draw on m & t into the branch on friday XX/XX/XXXX Because we were mobile depositing and we had almost exceeded the {$4000.00} mobile deposit monthly limit. 
I was advised at the branch by XXXX that the check was cashed and put into the account as cash. Just moments of leaving the branch I Attempted to sign into my mobile banking before paying bills and realized I was locked out. I then called the number provided to see why my online banking was locked out. I was informed that my entire account was locked out due to an issue with the check that had been deposed into my account. The gentleman that spoke with me on the phone 's name was XXXX. He advised me several times that there was an issue with the check That was just deposited at the branch to which I said it should have been deposited as cash. And he continued to advise me that the issue with with that check and that the account was locked down for fraud. And I would not have access to my money until at least the next friday. 
At that point I immediately turned around and went back to the branch where I spoke to XXXX. The manager who told me that my account was not only frozen But it was going to be closed out completely because I paid my mother 's XXXX XXXX. And because I was in check systems from XXXX. 
I proceeded to tell her that I live with my mother and as well, I am her power of attorney and that I have all right to pay any bill of hers that I need to and that this was not fraud. I offered to bring my mother in and have her added to the account incase that was the issue. I also offered to bring all of my power of Attorney paperwork to the branch so that they could see this was not fraud to which she told me There was nothing that could be done and my account was being closed because I paid that powerpill out of my account. This was a completely different reason than what the gentleman on the phone continued To tell me, which is that it was an issue with a check. Leaving me to believe that there was a teller error done by XXXX and that they were doing what they could in the branch to try and cover that up. 
I was fine with my account being closed at that time. Because I was beyond aggravated with this process and the lies that were being told to me. However, I was told I could not have my money that it was going to be in the account until XX/XX/XXXX at the earliest. At which point I would be required to come back into the branch and close the account myself in order to receive the money that is left in that account. To my calculation, the amount in that account and owed to me is going to be around $ XXXX {$900.00}. 
As my mother 's power of attorney, I do handle all of her finances. And she did send {$350.00} as a XXXX XXXX into my account with m and t the same day that this all happened. Her name is XXXX XXXX. 
I do not understand how paying her power XXXX is means for expulsion from the bank as well I do not understand why a payroll checked drawn on m & t would cause any kind of an issue. 
And beyond that I do not understand how I could stand in front of XXXX and have her do a deposit into an account that was apparently frozen unless the issue that caused the account to be frozen happened after that teller transaction in which they were lying to me because the XXXX XXXX in question was paid at least a week prior to this.

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