Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
XX/XX/year> TO : Consumer Financial Protection Bureau ( CFPB ) Office of the Comptroller of the Currency ( OCC ) Federal Deposit Insurance Corporation ( FDIC XXXX Internal Revenue Service ( IXXXX XXXX  XXXX XXXX State Attorney General Banking XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX M & T BANK FRAUDULENT CONDUCT AND VIOLATION OF TRUST RIGHTS To Whom It May Concern, I, XXXX XXXX XXXX in my capacity as the living being, Trustee and Foreign Grantor of the Keys to It All Express Trust and Authorized Signer/Owner of Keys 2 It All XXXX  ( the disregarded entity of said Trust ), submit this formal complaint and demand for regulatory intervention against M & T Bank. 

Summary of Events XXXX. Treasury Management Termination On XX/XX/year>, M & T issued written notice of termination of Treasury XXXX XXXX payment portal access. Prior to this, M & T had arbitrarily returned ACH contractor payments, causing harm to contractual relationships and business continuity. M & T charged the account over {$500.00} in fees and paid negotiable instruments withdrew funds from XXXX held in checking balance. 

XXXX. Full Account Closure On XX/XX/year>, Keys XXXX it all, XXXX received further notice that all business/commercial accounts would be forcibly closed by XX/XX/year>. This included the already restricted accounts numbers ending in XXXX and XXXX, with funds still being held by M & T under XXXX XXXX It XXXX XXXX. 

XXXX. Pattern of Financial Fraud and Misrepresentation M & T Bank has engaged in multiple fraudulent practices, including but not limited to : Mishandling and Trust fraud during a {$5000.00} VISA dispute. 
Holding and concealing trust identifiers including EINs, LEI, foreign grantor numbers, and UCC lien information. 




Outright denial of actual commercial trust access required by 12 USC 411 lawful redemption process through Treasury Management portal despite contractual and governmental obligations. 
Utilizing double-entry bookkeeping practices to misappropriate trust property and obscure settlements into their profits. 
Illegal clearinghouse procedures of negotiable instruments tendered by the XXXX, the sole lawful instruments a XXXX may use in commerce. 
Breach of XXXX code of conduct. 
These actions also constitute a XXXX XXXX violation, as M & Ts refusal to process trust negotiable instruments and termination of Treasury Management Services represent a combination in restraint of trade and commerce both foreign and domestic. 

Trust Documentation on Record with M & T Full Abstract of Trust ( Keys to It All Express XXXX  ) IRS documentation for Keys XXXX it all LLC as disregarded entity. 
XXXX XXXX XXXX XXXX for XXXX and Trustee. 
Legal Entity Identifier ( XXXX ) for Trust and XXXX XXXX XXXX location and filing references for both Trust and Trustee. 
Full Affidavit from Primary Trustee assignments to XXXX XXXX XXXX XXXX XXXX agreement by Trustee. 
All Federal Reserve Bank documentation required for XXXX operations including notarized certificates. 
Power of Attorney and all associated affidavits. 

Violations 15 USC 01 Trust Violation.

Breach of Contract and Fiduciary Duty under Treasury Management Agreement.

Violation of Federal Banking Laws by rejecting negotiable instruments ( UCC Articles 3 & 4 ).

Violation of 12 USC 411 by denying access to lawful redemption of obligations.

Fraudulent Bookkeeping through double-entry manipulation of trust assets.

Interference with Commerce by rejecting ACH and wire transactions without lawful basis.

This matter has been ongoing for more than two years and has caused repeated financial harm. I request immediate intervention. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to It All Express Trust, Keys XXXX It XXXX XXXX, Disregarded Entity

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