Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Please see my attached formal complaint regarding repeated and escalating interference with my account activity, including the wrongful blocking of transactions and uncredited refunds. These actions have violated my consumer banking rights, obstructed lawful financial use, and require immediate attention. 

I respectfully request an acknowledgment of this complaint and a timeline for full resolution, including correction of statement discrepancies and restoration of blocked funds. 


POSTED AT : https : XXXX? usp=sharing XX/XX/year> Primary Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Secondary Contact XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Chief XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX RE : M & T Bank XXXX Banking XXXX XXXX, Transaction Blockades, and Consumer Interference XX/XX/year>, Complaint Submission Submitted by : XXXX XXXX To Whom XXXX XXXX Concern : I am submitting this formal complaint concerning serious, repeated misconduct by M & T Bank XXXX XXXX XXXX XXXX access to my own funds, XXXX transaction policies, and apparent deregulation practices that undermine lawful consumer banking. 

1. Interference with Personal Banking Rights & Declined Transactions On XX/XX/year>, XXXX cancelled multiple legitimate transactions tied to my M & T Bank account, referencing an issue with my payment method. See exhibit XXXX. This occurred despite available funds and despite XXXX & XXXX public and advertised XXXX support. 





This interference follows a disturbing pattern where M & T Bank has : Blocked authorized transactions without notice or justification. 
Failed to provide working customer service when issues arose. 
Aggregated multiple withdrawals on a single date to obscure activity history. XXXX exhibits XXXX. 
Created unjustified holds or delays without notification. XXXX exhibits XXXX.. 
These are clear violations of fair banking practices, possibly rising to the level of FDCPA and XXXX infringements. XXXX & XXXX processing delays or obstructions appear designed to frustrate users into overdrafts, late fees, and untraceable adjustments. 

XXXX. Discrepancies in XXXX XXXX. Statements need to have the customers name on the online statements. See exhibit XXXX, XX/XX/year> XXXX XXXX transactions, with non-XX/XX/2025 original dates and with no customers name. 
A review of M & T Banks activity log fromXX/XX/1819reveals : Improper lumping of withdrawals from separate dates. 
A missing {$50.00} payment deducted XX/XX/year> and linked to a XXXX bill paid. 
An apparent hold or XXXX on a {$35.00} refund from XXXX, with no credit shown in the balance on XX/XX/XXXX and XX/XX/year>. 
These discrepancies suggest either internal error, account manipulation, or unauthorized reversal of customer funds. 

XXXX. Retaliatory Obstruction After Request for Basic Information I have made multiple written requests to M & T for : Written procedures to secure a PIN on my debit card. 
A copy of XXXX & XXXX policy for the advertised XXXX XXXX XXXX XXXX. Please see my requests dated XX/XX/year> at : XX/XX/year>, M & T Bank XXXX XXXX at : https : XXXX? usp=sharing Rather than receiving the professional support owed to me as a customer, I have instead been met with escalating interference and unexplained transaction failures as evidenced by the XXXX cancellation. 

XXXX. Call for XXXX XXXX, I am demanding : A full audit and correction of all statement discrepancies fromXX/XX/1720 
XXXX placement of all refund credits in my balance and stoppage of unwarranted holds and blocks disguised as 5 day pending statuses. 
A written, dated explanation for the denial of all blocked transactions, particularly the XXXX order below. Please see Exhibit XXXX : XXXX XXXX Notice XX/XX/year> XXXX AM I seek to be treated like anyone reading this letter would like to be treated. I seek lawful transparent, accurate, non-harassing and honest banking. Please make sure you correct the balance errors and put the missing credits in the balance. Make sure I am not double billed for the XXXX {$50.00}. XXXX, as the XXXX bill was paid and deducted XX/XX/year>, and was taken out of the alleged {$160.00} balance. 

Please note the newly concocted, out of the sky, international billing of {$4.00} is pure criminal senile inflicted fraud and as such is disputed. Remove it. I have attached XXXX exhibits. Please note pursuant to police report requirements, to avoid banking citations, I urge you to put the customers name on all alleged statements. My name was not on the attached infested bank documents. Fix this. 

I have attached my XX/XX/year>, letter requesting an address update, a written policy response regarding my account benefiting from the 2 days early advertised direct deposit, and the bank card pin procedures, since I have been told many different pin set up stories. Please send the requested documents and make sure my account is treated with equal protection of the law. Please contact me in writing within XXXX days, before I contact additional banking and XXXX XXXX authorities. My account will be respected, consumer protection laws enforced, and I will be treated like the good standing XXXX I am, by any lawful means necessary. I look forward to professional bank corrections, a reason for the bank deregulations, and written responses regarding my requests. Please contact me by fax and email, as the XXXX address mailbox is XXXX. Thank you. 

Sincerely, XXXX XXXX, Reserve All Rights XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Evangelist | Licensed Legal Educator | Minister | Author | Defender of Gods Promises and the Constitution |Human Rights Advocate | XXXX | ( XXXX ) XXXX | 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