Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
I am disputing a XXXX delinquency M & T Bank reported on my credit report for XX/XX/XXXX, on an overdraft line of credit ( account ending in XXXX, {$250.00} credit limit ) linked to my checking account ending in XXXX. M & T Bank failed to notify me through any communication channel before reporting this delinquency. Key Facts : XX/XX/XXXX : An automatic overdraft protection transfer of {$61.00} moved from my overdraft line of credit to my checking account. I did not manually request this it was triggered by M & Ts system. XX/XX/XXXX : {$10.00} minimum payment was due on the line of credit. I was never notified. XX/XX/XXXX : I paid the full balance of {$120.00} via web the moment I discovered it. XX/XX/XXXX : M & T Bank reported a XXXX delinquency to all three credit bureaus. M & T failed to notify me through every available channel : Electronic ( my chosen preference ) : My online banking delivery settings were set to Electronic for all three accounts, including Overdraft Line of Credit ( XXXX ). M & T sent XXXX email notifications, XXXX electronic statement alerts, and XXXX in-app notifications about the overdraft balance, the payment due, or the delinquency. My email inbox confirms the last M & T notification was XX/XX/XXXX nothing between XX/XX/XXXX and XX/XX/XXXX. Screenshots attached. Mail ( wrong address ) : M & Ts own response confirms all paper notices were mailed to XXXX XXXX XXXX, XXXX XXXX, which was not my residence. The address was not updated until XX/XX/XXXX. Phone : No call or text attempted despite having my number on file. M & T Bank has not demonstrated that this account was reasonably collectible prior to reporting the delinquency, due to complete failure of notice across all communication channels. Inadequate investigation : I filed a credit bureau dispute ( received XX/XX/XXXX ) and sent a detailed formal dispute email on XX/XX/XXXX to XXXX. That email included screenshots proving my electronic delivery preference and empty inbox, and requested specific documentation : the exact payment due date, the exact date the account reached 30 days past due, copies of delinquency statements, documentation of how notice was provided, and the date the delinquency was furnished to each bureau. M & Ts response ( XX/XX/XXXX, XXXX XXXX, Retail Loan Servicing ) recited account activity and concluded no changes are required. It ignored the electronic delivery evidence, provided no proof I received any notice, and did not respond to any of the documentation requests. This was a template response, not a genuine reinvestigation. Impact : This late mark is directly preventing me from refinancing my mortgage at favorable terms. The delinquency was on a {$10.00} minimum payment I would have paid instantly had I been notified through any channel. Requested resolution : M & T Bank has not demonstrated that the account was reasonably collectible prior to reporting the delinquency, due to failure of notice. Remove the XX/XX/XXXX XXXX delinquency from all three credit bureau reports . M & T Bank failed to notify me through my preferred electronic channel, sent paper to the wrong address, made no phone contact, and conducted an inadequate investigation that ignored documented evidence.

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