Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I am extremely disappointed with the lack of transparency with XXXX XXXX for the years I have been doing business with them I have been the witness of securities fraud. And many other privacy violations that I have witnessed. 
It states verbatim on the back of the billing statement under Credit Balances that anything over {$1.00} dollar on the statement is money owed to me. This is accurate because I have been an investor in your company all this time. Which means that the company owes me vast amounts of money as there is no deadline in regards to fraud. Fraud will always be fraud. I AM AND ALWAYS WILL BE THE BENEFICIARY AND SURETY OF THIS ACCOUNT. ALTHOUGH XXXX MAY HAVE THE TITLE I HAVE EQUITABLE INTEREST. AND NEVER ONCE HAS MY INTEREST BEEN RETURNED TO ME. 

Upon reading the signed agreements on the prospectus of XXXX XXXX  I learned to rescind XXXX XXXX power of attorney over me. So in my last communication I attached an endorsed registered security, XXXX, with pay to the order of XXXX stamped with the CFR 328.5 paired with cancelled stamps to pay the tax and my power of attorney to be placed on file. All in good faith received by XXXX XXXX that we could clear the amount presented on the card and begin to do business properly with an open end consumer credit account moving forward to avoid the hassle of involving the XXXX XXXX XXXX and without invoking the Post Master General in regards to the mishandled Security. 

It appears that the employees of XXXX XXXX  are incompetent in regards to my issue. 
Precisely why I am now submitting this complaint. I will be attaching a fee schedule which will be significantly lower than what your company truly owes me. But I am willing to take a considerably lower remedy in order for you to process this consumer credit account properly moving forward. 

Which entails - ~Transferring the Security with ease ~Opening the account back up and removing any such form of limit to an open consumer credit account. 
~Any reporting done with the credit reporting agencies must only reflect that this card is and has always been paid as agreed for each month with XXXX  % utilization since it is illegal to report transaction history. 
~Not a single derogatory mark to be seen. 
~And certainty that the company is and will not ever violate any aspects of the Privacy Act of XXXX  any longer. 

If XXXX DOES NOT COMPLY WITH THE DEMANDS I WILL HAVE NO CHOICE BUT TO CONDUCT A FOR-SCENIC AUDIT ON MY ACCOUNT NUMBER ENDING # XXXX WITH A CERTIFIED SPECIALIST TO SEE HOW MUCH YOU HAVE MADE OFF OF SELLING MY STOLEN ACCOUNT RECEIVABLES ON THE SECONDARY MARKET ALL THIS TIME. 

Attachments : XXXX XXXX XXXX Assumed Name Certification ( as proof that I do business as XXXX XXXX XXXX and am not that entity but as a certified controller of the that suretyship ) ~Transferring the Security with ease ~Opening the account back up and removing any such form of limit to an open consumer credit account. 
In the truth in lending act it states IV. Section-by-Section Analysis, 12 CFR Part 226 ( Regulation Z ), Subpart BOpen-end Credit, Section 226.5 General Disclosure

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