Consumer complaint received 2026-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
SUBJECT : Complaint / New Terminal Evidence & Subpoena Demand Submitted REFERENCE : Previous CFPB No. XXXX ACCOUNT : M & T Bank XXXX XXXX XXXX XXXX I am filing this new complaint because M & T Banks final resolution letter for my previous CFPB complaint, dated XX/XX/year>, contains materially false statements and attempts to enforce a legally void contract. I am submitting newly acquired documentary evidence proving M & T Bank is actively committing severe Truth in Lending Act ( TILA ) violations by enforcing unilaterally altered financial disclosures, and I am formally demanding the CFPB pull M & T Bank 's internal audio logs proving institutional complicity. XXXX. WRITTEN CONFESSION OF TILA VIOLATION : In their XX/XX/year>, resolution letter, M & T Bank XXXX I am bound by the XX/XX/year> contract and attached a copy showing a monthly payment of {$680.00} and an XXXX of 8.49 %. However, I am attaching a newly received letter from M & T Banks XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>. In this letter, M & T Bank explicitly admits the original signed contract was " incorrect '' and unilaterally alters the XXXX to 8.24 % and the payment to {$660.00} without my signature or mutual assent. Page XXXX of the original contract strictly dictates : " Any change to this contract must be in writing and we must sign it ''. M & T Bank is violating federal lending laws by attempting to extort a {$660.00} payment based on an unsigned, unilaterally re-engineered disclosure, while simultaneously telling the CFPB the original {$680.00} contract is valid. XXXX. MATHEMATICALLY VOID AND UNFUNDABLE CONTRACT : The altered XX/XX/XXXX terms explicitly require a {$10000.00} down payment to achieve the loan-to-value ratio for the {$78000.00} amount financed. As proven by the attached XXXX Bank statement, {$5000.00} of that down payment was successfully reversed via a fraud chargeback on XX/XX/year> ( TD Bank Claim # XXXX ). The dealer is illegally holding the remaining {$5000.00}. M & T Bank funded a mathematically impossible loan. XXXX. ACTIVE STATE REGULATORY INVESTIGATION : I formally revoked acceptance of this vehicle on XX/XX/year>, due to a severe safety defect. The Florida XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX ) has escalated this exact transaction to a XXXX XXXX under an active dealer fraud investigation. XXXX. ACTUAL NOTICE OF FRAUD & DEMAND FOR SUBPOENA OF AUDIO RECORDS : M & T Bank did not fund this loan in good faith. I made XXXX separate, documented attempts to halt this fraudulent transaction before the bank 's final resolution. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, I spoke on recorded lines with XXXX XXXX XXXX M & T departments : Customer Service, Tier XXXX, XXXX XXXX, Fraud, and Loan Origination. During these XXXX attempts, I explicitly read a script into the bank 's recording system giving actual notice of the fraud. On the XX/XX/XXXX recording, I stated : " I have formally revoked acceptance of this vehicle due to a breached written warranty. The dealership has physical possession of the vehicle... The contract is legally unwound. Any attempt by La XXXX XXXX to submit funding for this file next week is fraudulent ''. Despite possessing actual notice that the down payment was missing and the vehicle was surrendered, M & T Bank willfully ignored the warnings and pushed the funding through. I formally demand the CFPB XXXX M & T Bank 's audio recordings for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, to prove their institutional complicity. RESOLUTION DEMAND : M & T Bank 's own documents and audio logs prove they are enforcing an unsigned, unilaterally altered TILA disclosure on a mathematically void contract for a legally surrendered vehicle. I demand immediate written confirmation from M & T Bank that Account # XXXX has been permanently unwound and closed with a {$0.00} balance, and a guarantee that no derogatory reporting will be submitted to any credit bureau Sincerly, 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