Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My name is XXXX XXXX at : XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX I open 3 accounts in XXXX NY, XXXX, XXXX and XXXX ( recently but do n't know the service yet, just 2 trasactions ) I used because of convenience and trust the name first ... and frustrated after dealing with and angry and afraid of ... 
First time i made a complaint on BBB and get CFPB and XXXX XXXX reponse to me 3 months later. I still have the response letter. 
* XXXX ask me to do this and to do that? 
* XXXX XXXX calling me SENATOR XXXX XXXX XXXX ... actually maybe I have business deal in the past with them but now they gave me a nick name what i have to say, I become a SENATOR, and they address me by letter send to me, only one letter and no more, I want to hear Senator again, in NY has only 2 maybe senator in State and they have to fight very hard to get the=at title, now I do n't have to spend a penny and get that title SENATOR, no problem you call me senator i acceot it, because no any dictionany or dctionary explain what does it mean ... 
When I report to BBB in XX/XX/XXXX I had notice negative rating point to XXXX XXXX, I doubt it ...! ANd that 's true .... this is the error or this is XXXX want their money back when I open account they gave me {$150.00} bonus and {$25.00} USD to open Saving account, but finally my bonus all gone with the wind just because they used the word OVERDRAFT, mny totally overdraft fee is more than 350 dooars since I opened my account in XXXX XXXX. Rectly what happen with XXXX is : I deposit a check from XXXX, when I go to the branch, they said the rate they give you is too high, we have the rate is more lower than that, so I take that out and apply to their LOAN offer, when they check my CREDIT SCORE they can not log into my credit uion. I also check my credit score from different source, the source I check only available just 2 instead of 3, and I check my score monthly from my CREDIT CARD, I know what my score look like. 
When you use credit card, you always look deep into the low rate credit card that offer you a better deal, I found XXXX gave me last month credit chect is : XXXX with FICO rating, annd XXXX gave me XXXX rating fron XXXX XXXX. 
Now go back to the deposit of my LOAN, 2 days later it 's clear and my balance is show up on my report online, then I make my credit card payment to XXXX and XXXX, and I wait 3 days, the result did n't come up, I call, i contact by portal and I came to local branch in different branch and all they said, NO RECORD I HAVE MAKE ANY PAYMENT ...!!!! 
The operation like that is make more sense for XXXX got hack!!!! And the local BANKneeds to report or let the customer know THIS IS YOR REPORT .... i got the report on tuesday showing me I HAVE A PENDING transaction XXXX , that amoun I already pay off XXXX my reducing the payment from my complaints, becuase the charges is FAKE and NOT DELIVER the order, now XXXX I had arount 100 USD, this also come out and I want the customers use the BANK had to be very careful and extremly rare but they do : OVERCHARGE FEE {$35.00} when you make apayment NOT ENOUGH MONEY, actual yu have money but they did CLICK and CHECK just let the IP department auto-matic check and they make money by that way. 
Thay alway send email asking you ONLINE is more easy, but more trouble, ....! 
Second I want to report is XXXX XXXX, they have the service first it seems right for me save your money just $ XXXX per week you can have {$1300.00} at the end, that sound too good too attrachtive also too fancy in America too, you know in USA only the branch of XXXX XXXX in XXXX XXXX XXXX has that service, XXXX XXXX XXXX in other baranch understand XXXX saving program work! you try to ask what is XXXX program, 100 % no one can answer that question from other branch except XXXX XXXX XXXX toer ...! Now the problem is not stay there, I check my account I saw the money is totally NOT EQUAL with the number, and the number seems change weekly, f they change weekly it 's fine and better, but the BALANCE of the total amount will be the smame will be OK. but no balance the same, the number is UNLBALANCE and mean time, my email address is already change but NOT SHOW UP is change I click they did n't show up anything ... I use XXXX XXXX month only one time after I came in deposit into and use that to write check to pay rent, the security deposit and my XXXX balance totally different, becuase my landlord is in from of XXXX XXXX branch in XXXX XXXX, I told them My social dep [ osti {$390.00} is to XXXX XXXX not XXXX XXXX, but my landload use XXXX XXXX, this activity needs to help them solve the conflict of MONEY DEPOSIT and MONEY BALANCE from Saving XXXX is a trouble makers in XXXX! 
My activities is use to TEST all the BANK in XXXX and try to find out what is THE GOOD THE BAD AND THE URLY of banking system in XXXX ... .from this point I can tell you, more and more coming up and the level of UNDESTANDING the number of the local branch banker anh how they understanding of the transaction means to them and the timing of customers have to spend when they look at their monthly statement and another probelm is for people do n't know englsih and illiterate, the bank making money by one penny to another penny, I want my money back, each transaction I always keep my receipt. 
The big trouble for XXXX is they send my personal financial info to XXXX XXXX in Florida, my credit report get XXXX XXXX check monthly, what do they want to steal from me ...! XXXX jsut send me a statent yesterday, I have unpaid balance {$180.00} more .... I already telling them, this is XXXX stole my info and let XXXX XXXX take action 4 months ago, I have confront taton with XXXX XXXX  about the monthly statement, I did apply anoth XXXX  from XXXX, I already cancel their XXXX XXXX  last year, because is not fiar the charges ... and the money hoe much they refubd, I did n't check all, but they did refund some, nw they check me into the STEALING HOOP again after the offer when I pruchased in XX/XX/XXXX, I apply is CREDIT CARD not XXXX XXXX, their XXXX XXXX only to purchase on XXXX not from other store or sources ... my question and ask them WHY THEY ARE SO BIG SO HUGE but so greedy have to steal cstomers financial info of give you a prime card, when you get the prie card, you do n't need to ACTIVETE, that also mean they send to you, you will be get invoice to pay monthly the membership, they do n't care who you are, I 'm Senator XXXX XXXX XXXX, XXXX you have to settle this lawless from you business, activites, this is not XXXX, what they did is XXXX style, just know how to rob and abuse customer, everytime I got thheir email and their letter my XXXX XXXX anf my XXXX XXXX  level jump to over limit level .... 
Thanks XXXX 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 explanation