Consumer complaint received 2017-04-10
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
MY BANK ( M & T BANK ) PAID OUT MY CHECK WITHOUT MY SIGNATURE ON IT I opened a new business, within few months I received a first letter from XXXX ' requesting I pay a sum of {$84.00} for labor law posters for work place -to be sent to my address. On the XX/XX/2016 ( XX/XX/2016 ) I issued an MTB Check No. XXXX for {$84.00} to XXXX XXXX as requested in first letter to issue check to XXXX I mailed that check to : XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX, TX XXXX. But I forget to sign the check. 
After few days It seems to occur to me I missed the signature and I was making effort to retrieve the check, I went to USPS but the mail had been sent out, I started calling the " XXXX '' but was not successful. So I relaxed and was confident that after all no bank will pay a check without a signature. so I was expecting to be contacted. 
In XX/XX/XXXX I received a second " XXXX XXXX XXXX XXXX '' letter. this time Renewal and was asking for another {$84.00}. I replied them that the first poster was never sent and they are requesting for another beside the gap from XX/XX/XXXX and XX/XX/XXXX was close, I cant pay again I wrote them. I went to corporate and registration office to showed them the second letter because I was scared of the deadline and payment penalty., there they confirmed that it was not from them, I realized I had been frauded. Immediately I went online to view if the check was Issued or denied on MTBank. I saw a debit in my account. To my surprise it was paid without my signature in it, " the check had another signature not mine but my name and address was on the check and it was paid out ''? I began to ask questions why a bank would do that ' that was a highly incompetent action. I went to the bank to file a dispute once, they never got back to me in months, I went to the bank again to inquire why, the banking staff checked and checked from XX/XX/2016-XX/XX/2016 and did not see the check-it disappeared. and requested I come back the next day to speak to the original staff I complained to. the following week I came back to meet the original M & T Bank staff I filed complaints with then the check reappeared, She found the check, she confirmed that her colleague said she could not see the check the time I came. then she told me that the first claim was rejected because they said they can not pay my money back since the money had already been issued out to the ( Fraudulent ) person. I question how that was my concern. Instantly she file a second dispute, and resubmitted. 
I also called MTB customer service XXXX number they were throwing me back and forth that someone will call me and that I should contact the back as they would do the same. I told the staff I was on phone with I already did that, later someone called that he will call me back, till today I did not hear anything. 
After some days the original MTB staff that i filed dispute with called to tell me they were requesting this time for me to submit a letter stating that I do not have account with the other bank. How on earth would I do that?. I do not know the other bank, and I do not have account with the other bank, first I AM SCARED of this bank now, If it was millions of dollars I could have lost it. 

Please I need my money bank. more importantly, I want to know why a bank would be so incompetent in securing their customers money, Please does a bank now pay out checks without signatures or forged signatures? I am so terrified!!

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