Consumer complaint received 2019-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX delivered on XX/XX/XXXX, HOWEVER, XXXX XXXX now called XXXX XXXX  locates in XXXX, PA ) I allege performed unethical, illegal auto sale taking advantage of a single older female. I hold two originals of all documentation pertaining to a XXXX XXXX ( complaint filed with CFBP previously against XXXX XXXX XXXX wherein XXXX actually had to call me for my SSN to find me in their system ; no resolution since they stated which is opposite to dealer paperwork that they did not possess the insurance policy costing me somewhere in the area of {$2300.00} with the dealer not being cooperative and some individual actually retitled car in XXXX, NJ unbeknownst to me and confirmed by XXXX in XXXX when they stated was I aware the State of NJ did not recognize me as the registered owner. XXXX XXXX was never cooperative after XX/XX/XXXX purchase and it took year of badgering them to receive the XXXX I should have received on XX/XX/XXXX. In addition, XXXX stated the model sold was misrepresented to me which caused a more expensive loan. I contacted XXXX but because I purchased the truck at a non-XXXX dealership they could not help me. I only recently handed in the tags to that truck in XXXX, NJ after going online to see the tags were bogus. For record purposes on prior CFPB complaint : no resolution except brief letter from XXXX ( which changed their name & address during the length of the loan ) stating the balance was paid off by XXXX and the title forwarded to them and never did they acknowledge the truck was indeed mine. This truck purchased after leaving an abusive spouse in XX/XX/XXXX is actually shown on the Divorce Decree as the  vehicle I was entitled to leave withunethical and illegal since it was bought after I left spouse and during a two year separation no attorney filed a motion for financial support! I should have left with a XXXX XXXX XXXX XXXX presented to me at XXXX of XXXX in NJ ) which was sitting on the showroom floor with a big red bow on it. I was handed the keys and congratulated on the car which my former spouse enabled on the day prior. Against family law regulations, never did spouse deliver documentation as to the XXXX as to whether it was leased or purchased nor would he meet me at the dealer to allow me to takeover the financing of the XXXX loan. This complaint actually encompasses all vehicles purchased during a 10 year marriage with ex a business owner and my first husband being a XXXX in various dealerships throughout his life. I am XXXX and incapable of trying to discover how all cats I purchased and paid for and believed to be mine but during divorce discovery is when I found out via XXXX XXXX from a fax sent to my second counsel that all autos were registered as business and registered to ex. Despite calls to DMV, XXXX XXXX, the manufacturers, the banks, calls to first spouse have yet to resolve a massive conspiracy of some sort whether its title washing, etc. which needs to be investigated so that the manufacturer knows I purchased one of their vehicles which provides discounts usually not given. Cars involved : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX truck, XXXX XXXX which I know was paid for via {$23000.00} laid out on purchase as witnessed by exs cousin XXXX XXXX who received a {$50.00} fee referral/copy of check in my possession ), XXXX and lastly the XXXX XXXX XXXX which as of this date XXXX refuses to note me as the owner with a major collision occurring on XX/XX/XXXX with the vehicle parked in XXXX, PA ) and towed away that date and not returned until late XX/XX/XXXX. XXXX notes collision under first owner. All other data falsified pertaining to me as the second owner. I have evidence to show there is another Indivifual using my identity to retitled this car in XXXX XXXX at the DMV in XXXX, NJ. In a fluke incident in going to FL earlier via XXXX XXXX, the XXXX Rep at the airport pulled up my profile and an individual who lived at XXXX, XXXX, NJ registered in their rewards program. It was later changed but that doesnt stop ongoing impersonation of myself. XXXX shows this XXXX  was retitled in XXXX, NJ and I can only assume it was my impersonator who I found via XXXX which I had to shut down years ago ). Due to XXXX now XXXX XXXX  refusal of all my calls ( one of which I recorded ) along with not cooperating with XXXX the XXXX carrier can not comply XXXX with the correct Purchase Contract since there are two originals involved both dated XX/XX/XXXX bs XX/XX/XXXX ; impossible delivery date based on insurance not binded until XX/XX/XXXX. Only XXXX in which I sent a handwritten 26 page fax which could not be sent online due to cybercrime to this day ) is the only entity that can confirm the statements made herein. XXXX XXXX   the carrier fully liable for this collision should have declared car a total loss but it was myself who actually forwarded pictures of the collision to them AFTER the body shop started the work. Many other issues with communication between XXXX and XXXX caused months of financial hardship on my end ; a XXXX individual taken advantage of thruout my life time which I have read more times than not is the scenario for those of us XXXX. It is doubly hard for me with no family nor friends and almost losing my life on XX/XX/XXXX with my health forever deemed more compromised than before. Am sending this complaint only because I have access to WiFi while in rehab ), M & T Bank the lender verbally has stated this car is mine but they are basing their statements on what the dealer sent. Only by going to Florida this year that I discovered my impersonated and M & T would never know the car was retitled in XXXX XXXX in XXXX , NJ ) XXXX has now closed an approved GAP claim since I can not provide in good conscience one of the two Purchase Contracts which are dated wrong and the Odometer Readings are different between the two plus signed off by different individuals. I am entitled to a full refund but with M & t telling me to tell XXXX to do the leg work which will not happen and dealer refuses to cooperate to all parties and my refusal to ever retain another corrupt attorney ever again, I continue to pay for a vehicle that is a total loss, not being manufactured by XXXX as mine ( yet the DMV assures me its mine ) and buying it in XX/XX/XXXX at XXXX miles and presently has XXXX miles proves the lack of driving and time I had to use the car. No one would ever buy the car as even the initial XXXX does not know the rear was hit prior to purchase. I am resorting to filing a complaint against M & T as my only outlet to resolve GAP claim and this bank was used to finance the XXXX my ex bought during the marriage of which I have documentation to ).

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