Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

Check Fraud XXXX  XXXX XXXX check # XXXX dated XX/XX/18 for {$10000.00} for non-retirement account with XXXX XXXX to pay financial advisor fees Mailed Sunday XX/XX/XXXX at XXXX collection box at XXXX on corner of XXXX XXXX XXXX and XXXX XXXX XXXX. Was in security envelope addressed to XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Post office either XXXX XXXX or XXXX XXXX XX/XX/XXXX cashed by pay to the order of XXXX XXXX no account number or bank stamp- do not know this person XX/XX/XXXX received an email from XXXX XXXX XXXX that account was under {$25.00} after XXXX electronic transaction for {$10000.00} XX/XX/XXXX notified that account was overdrawn. {$35.00} returned item fee XX/XX/XXXX XXXX XXXX, XXXX from M & T Bank called my house. Returned her call XXXX. She interrupted the check, " Don't worry. I have your money. Go to XXXX  XXXX XXXX and fill out Check Fraud Statement of ClaiXXXX. Sign document, have notortized. Fax to XXXX with claim number '' Email contact at XXXX XX/XX/XXXX went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX and spoke to XXXX, XXXX XXXX. I was directed to call XXXX  XXXX XXXX Check Fraud Claim on Monday to initiate a claim. Dept closed on Sat. She determined that check was cashed at a XXXX XXXX XXXX- unable to verify depositor. 

XX/XX/XXXX Called XXXX at Check Fraud Claim at XXXX  XXXX XXXX XXXX Case # XX/XX/XXXXXXXX analyst will be assigned, will take 90-126 days, information will be sent in the mail. Put in to refund check returned item fee of {$35.00}. Recommended to freeze account and open new account. Instructed me to file incident report with county police. XX/XX/XXXX will be XXXX business days from initial claim on XX/XX/XXXX Incident report filed with XXXX XXXX County police XXXX XXXX ID # XXXX non-emergent line XXXX Incident report # XXXX. Instructed to call Financial Crimes Unit XXXX, XXXX XXXX Financial Crimes Unit instructed me to file mail theft claim with XXXX XXXX Filed online with XXXX other- Postal Inspector-mail theft-file complaint case # XXXX XXXX will call my cell within 1 day XX/XX/XXXX XXXX from XXXX  XXXX XXXX Check Fraud Claim Dept called and transferred me to XXXX XXXX Update case- bank of first deposit was M & T Bank Manufacturers and XXXX XXXX XXXX   XXXX XXXX XXXX call to check claim, I am awaiting funds if funds are not returned in XXXX business days- will need to get seizure warrant from police dept. XX/XX/XXXX will be XXXX business days from initial claim on XX/XX/XXXX XX/XX/XXXX XXXX appointment with XXXX XXXX, XXXX, XXXX XXXX XXXX left old account open with enough funds to cover outstanding checks All other funds transferred to new account with new checks and debit/ATM card. 

XX/XX/XXXX waited for check fraud claim form to be mailed from XXXX    XXXX XXXX. Went to XXXX XXXX XXXX, had Check Fraud statement notarized and faxed to XXXX check fraud department. XXXX and I both mailed statement to check fraud deartment. 

XX/XX/XXXX Spoke to XXXX at XXXX check Fraud. XX/XX/XXXX Received statement- " is on file, in route to M & T Bank '' XX/XX/XXXX email from XXXX XXXX XXXX at M & T XXXX Never received documentation. Contacted XXXX at XXXX will resend today. 

XX/XX/XXXX email from XXXX, XXXX at M & T. Never received documentation. XXXX with XXXX at XXXX statement was sent XX/XX/XXXX. Will verify/check M & T information and resubmit. I scanned Statement and emailed my copy to XXXX. She received it right away, but it had to be official bank letterhead. It was the correct form. 

Long story shorter- XXXX resubmitted Check Fraud Statement to M & T Bank 7 times before M & T acknowledged receipt. ( I have specific dates and persons named ) XX/XX/XXXX M & T refunded partial funds {$5900.00} to XXXX Check Fraud department. This was finally credited to my account XX/XX/XXXX after I insisted. XXXX was going to keep partial refund until they collected entire {$10000.00}. XXXX XXXX at M & T Bank said by the time M & T received claim paperwork, account was depleted and case was closed. 

XXXX legal department has sent 7 demand letters to M & T- no  response. 

XX/XX/XXXX I contacted chairman and CEO of XXXX XXXX email XXXX XXXX XXXX XXXX  XXXX XXXX. Filed formal compalint. 

XX/XX/XXXX called XXXX police, sheriff, clerks office and commissioner- none of these departments can help. Had 1 hour meeting with XXXX of my XXXX branch, XXXX XXXX. 

XX/XX/XXXX detective at Financial Crimes Unit returned my call. USPS Inspector General investigates and charges person. 

XX/XX/XXXX met with my lawyer XXXX XXXX XXXX Instructed me to notify CFPB and file complaint. 

XX/XX/XXXX contacted XXXX at Check Fraud to see if there has been any progress. Could take another 90 days. 


XX/XX/XXXX I give up. I need someone in authority to get answers.