Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MD)

CFPB must have an expert looking at what this bank is doing here? Out of the XXXX concerns listed below, they have only tried to respond to the last one numbered XXXX. However, in their response we can see on the attached page XXXX, the transaction ID XXXX is dated XX/XX/XXXX while on page XXXX it is dated XX/XX/XXXX. Also, the requested amount shown on page numbered XXXX is XXXX while the authorized amount is XXXX. Finally, in this last record shown and all the other records presented previously, nowhere can we see that a correct PIN number was entered. 
Therefore, CFPB should require M & T bank to address every question from number XXXX to number XXXX with clear answer proving their case. If not, they should simply realize that a lot of errors occurred to their fault because the bank has failed miserably to detect and prevent those unauthorized transactions and that I should be entitled to my money. 
The questions are still listed below and must be answered by M & T and their unqualified employees who lack critical thinking, problem solving ( actually creating problems ), not being able to recognize problems, not being aware of crucial details etc basically incompetent employees. 
XXXX Foreign currency It appears that all the transactions were made outside the United States XXXX However, I have not traveled internationally on the dates the transactions occurred. 
XXXX There are XXXX disputed transactions on page number XXXX, however, the bank only provided XXXX transactions records. Why did the bank intentionally remove XXXX record from the disputed transactions? 
XXXX On each of the XXXX records of the transactions provided by the bank there are no records showing that a correct PIN number was entered, it only shows PIN transaction XXXX The PIN number of the card was generated and sent to me by the bank ( mentioned on page XXXX ). As a reminder in XX/XX/XXXX, it was disclosed that M & T Bank experienced a data breach that became public between XXXX and XXXX of the current year. The breach impacted data related to at least XXXX individuals. The data exposed in the breach included names, addresses, and account numbers of M & T Bank customers. 
XXXX On page number XXXX, between transaction numbered XXXX to XXXX, we can clearly see that the bank intentionally removed again XXXX transaction going from transaction ID number ending with XXXX to the transaction ID number ending with XXXX. It appears that the bank again has intentionally chosen to hide details of the transaction ID number ending with XXXX which is missing from their records. What are they trying to hide? 
XXXX On page number XXXX, transaction numbered XXXX Item ID XXXX, dated XX/XX/XXXX the amount shows {$500.00}. However, on the records provided by the bank, there are no record of the amount of {$500.00} being approved or completed successfully. Again, what are they trying to hide? 
With all the flaws mentioned above, it clearly shows that the bank and its unqualified and dishonest back-office team/ investigators managed to lie about their findings, redacted crucial information, and deny a claim ( without providing relevant evidences ) which they never had the intention to approve it in the first place. 
The bank is violating my rights ( XXXX liability protection ) and the FDIC regulations.