Consumer complaint received 2026-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
RE : Financing Fraud and Deceptive Add-On Contract on M & T Bank Loan Account Number XXXX XXXX, XXXX XXXX XXXX , am writing to file a formal consumer complaint against my auto lender, M & T Bank , and to request a federal compliance review of my retail installment loan package. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( VIN : XXXX ) from XXXX XXXX XXXX XXXX, financing a balance of {$25000.00} with M & T Bank . My mother used her bank debit card to provide a down payment of {$20000.00}. I am writing to notify M & T Bank and the CFPB of dealership financing fraud, contract backdating, document withholding, and unauthorized signature block handling. Throughout the closing process, XXXX XXXX XXXX XXXX quietly rushed me through signing and failed to explain any disclosures. He completely failed to explain what the papers were for and instead simply pointed out the lines where I was instructed to sign. I was instructed to sign a Spot Delivery Agreement while final financing was processed. My brother, XXXX XXXX XXXX was present as an eyewitness and can testify that we personally witnessed XXXX XXXX physically scribbling a notation onto XXXX of my buyer signature blocks. When questioned, he grew defensive, scribbled over it further to obscure it, and stated it was not a signature. The dealership then withheld all copies of our loan paperwork. On XX/XX/XXXX, my wife, XXXX XXXX, left a voicemail for XXXX XXXX requesting our copies, which went completely unreturned. On XX/XX/XXXX, my wife and brother went to the showroom in person to demand copies from XXXX XXXX XXXX XXXX. XXXX XXXX printed out a packet containing the Retail Installment Contract and Vehicle Buyer 's Order. While at the dealership, salesperson XXXX XXXX told my wife our first M & T Bank payment was not due for 45 days. However, upon reviewing the printed XXXX 's XXXX on the spot, my wife discovered the loan payment of {$600.00} is actually due in 30 days ( this Sunday, XX/XX/XXXX ). Furthermore, while reading that itemized Buyer 's Order at the dealership, my wife discovered a separate charge of {$1200.00} for a " DG Windshield Protect '' warranty from Dealer General Warranty, which I had no knowledge of and explicitly refused during the sales process. The warranty contract page was not in the initial papers printed by XXXX XXXX. My wife immediately requested that XXXX XXXX print a copy of this specific warranty sheet so we could review it. A strict inspection of this paper reveals a severe violation of truth-in-lending laws : while the form lists a transaction date of XX/XX/XXXX, the document generation system has the date XX/XX/XXXX already typed onto the formfive days after I left the building. Furthermore, the buyer signature line is completely blank. We have not received an actual copy showing a visible signature where I signed for this warranty, and we do not know what version was submitted to M & T Bank for funding. The finance department is actively withholding our full file because we never authorized this contract on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX emailed my wife claiming a cancellation request was submitted that morning. However, on XX/XX/XXXX, I personally called XXXX XXXX XXXX to verify the status, and their corporate office formally stated they have absolutely no record of any cancellation request from the dealership. The finance office is fabricating timelines to stall us. I am a responsible borrower, and I am making my first full payment of {$600.00} on time by XX/XX/XXXX, to keep my account in perfect standing. However, because this loan package contains an unauthorized, backdated {$1200.00} charge, I request that the CFPB compel M & T Bank to audit the documents uploaded by this dealer, demand the physical signature sheets, and ensure my loan principal is immediately credited the refund. I have filed concurrent fraud complaints with the Florida Office of the Attorney General, the FLHSMV Bureau of Motor Vehicle Enforcement, and the Florida Office of Financial Regulation. Sincerely, Buyer Signature : __________________________________________ XXXX XXXX XXXX Signature Date : XXXX, XXXX Phone Number : XXXX Email Address : 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