Checking or savings account -- Opening an account -- Complaint #18939821
Complaint Overview
Complaint ID: 18939821
Company: M&T Bank Corporation
Product: Checking or savings account
Sub-Product: Savings account
Issue: Opening an account
Sub-Issue: Account opened without my consent or knowledge
State: New York
ZIP Code: XXXXX
Date Received: 2026-01-22T12:00:00-05:00
Date Sent to Company: 2026-01-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a follow-up complaint regarding the same M & T Bank account referenced in my prior complaint ( CFPB ID : XXXX ). In M & T 's XX/XX/XXXX response to my prior complaint, XXXX XXXX from Customer Advocacy confirmed that a " Tenant account ending in XXXX was opened on your behalf by XXXX XXXX XXXX, XXXX. '' M & T admitted the account exists. However, in that same response, M & T falsely stated : " our review shows that you were not issued a W-9 form or a 1099 form by M & T. '' This is false. My IRS Wage and Income Transcripts for XXXX, XXXX, and XXXX all show M & T Bank reported Form 1099-INT interest income under my Social Security Number for an account ending in XXXX. On XX/XX/XXXX, I called M & T Bank to obtain records about this account. I spoke with a representative named XXXX in the XXXXXXXX XXXX XXXX call center. I have a recording of this call. After I provided my full Social Security Number, XXXX stated : " Unfortunately nothing comes up in my system with those numbers. So that means that I'm not locating any closed or open accounts for you. '' This directly contradicts M & T 's own XX/XX/XXXX response to CFPB, where M & T admitted the account exists. I requested to be transferred to M & T 's fraud department. XXXX refused, stating she had no way to transfer me and that M & T has no fraud department number. She then contradicted herself by saying a branch XXXX could connect me to fraud - acknowledging a fraud department does exist. To summarize M & T 's contradictions : XXXX. XX/XX/XXXX to CFPB : Account exists, opened by XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX to CFPB : No XXXX was issued ( FALSE - IRS transcripts prove otherwise ) XXXX. XX/XX/XXXX phone call : No account exists ( contradicts their own CFPB response ) I am requesting complete records for the account ending in XXXX, including all statements, the account opening documents, and an explanation for why M & T told CFPB the account exists but told me on the phone it does not exist. I also request a corrected response regarding the 1099 forms that M & T falsely claimed were never issued. I have IRS transcripts and a call recording available upon request.
Frequently Asked Questions
What is Complaint #18939821 about?
Complaint #18939821 was filed against M&T Bank Corporation regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2026-01-22T12:00:00-05:00.
How did M&T Bank Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against M&T Bank Corporation?
Yes, visit the M&T Bank Corporation company profile at readthecomplaint.com/company/m-t-bank-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.