Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
Subject : URGENT : Unauthorized Account Closure Dear M & T Bank XXXX XXXX, I am writing to formally address the sudden and unexplained closure of my account ( XXXX XXXX Checking ending in [ XXXX ] ) as of [ XX/XX/year> ]. This closure occurred without any prior notice, email, or letter from M & T Bank, which I believe is a direct act of retaliation following the complaint I filed with the Consumer Financial Protection Bureau ( CFPB ) on [ Date of Complaint ]. 

As you are aware, the CFPB is currently overseeing this matter. I have also obtained legal counsel to address what appears to be a violation of consumer protection standards, specifically regarding " debanking '' practices that lack objective, risk-based justification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> M & T Bank XXXX Department [ M & T Bank XXXX RE : Demand Dispute Appeal for Account [ XXXX ] To Whom It May Concern : This letter serves as a formal appeal of the denial of my fraud claim regarding my stolen debit card, linked to account [ XXXX ]. It also serves as a formal complaint regarding discriminatory behavior by a bank representative. On [ XX/XX/year> ], I spoke with a representative named XXXX to dispute fraudulent charges made with my stolen debit card. During this call, XXXX asked me for my demographic information, including [ race, gender, and age ]. When I questioned the relevance of this information to my fraud dispute, XXXX was unable to provide a valid reason for the request. This line of questioning is discriminatory, potentially illegal, and violates fair banking practices. The bank has a history of settling discrimination allegations, which indicates a pattern of misconduct that I will reference if this is not resolved. My claim regarding the stolen card and fraudulent charges has been wrongly denied. The facts are as follows : * [ XX/XX/year> ] : My debit card was stolen from [ My former address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ]. I suspect my landlord, [ XXXX XXXX XXXX, is the responsible party. * [ XX/XX/year> ] : I reported the card as stolen to M & T Bank and disputed the fraudulent transactions. ATM WITHDRAWALS : XXXX {$300.00} XXXX {$300.00} XXXX {$1000.00} * [ XX/XX/year> ] : I filed a police report with [ XXXX Police Department ] . The police report number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I received a notification that my fraud claim was denied. Demand : 1. Reverse all fraudulent charges and restore my account balance. 2. Provide a formal apology and explanation for the representative 's discriminatory questioning. 3. Reimburse any losses incurred as a result of the fraud and the bank 's negligence. I expect a response to this appeal within [ 10 business days ]. If this matter is not resolved to my satisfaction, I will pursue all legal options. 

Sincerely, 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