Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5461854
Complaint Overview
Complaint ID: 5461854
Company: M&T Bank Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Connecticut
ZIP Code: 06824
Date Received: 2022-04-18T12:00:00-05:00
Date Sent to Company: 2022-04-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is my 3rd submission about M & T bank pulling a hard inquiry on XX/XX/2021. I received a letter today from M & T where they showed that I supplied consent for a hard inquiry for a refinance ( based on an IP address ). Their explanation in my opinion doesn't pass the smell test. M & T claims the hard inquiry was for a " pre-approval ''. I spent over 30 years as a XXXX XXXX in XXXX XXXX XXXX and XXXX. The only thing I would have done was to inquire about what rate they could have offered me, because I knew my debt ratio at the time would never have been approved for a refinance. As we all know, refi " pre-approvals '' are sent all the time through the mail and they virtually always 'sourced ' via soft inquirys. At a minimum I believe that M & T 's website was completely misleading about this consent issue. Again I never thought I was applying because of my deep knowledge of consumer finance policies.
Frequently Asked Questions
What is Complaint #5461854 about?
Complaint #5461854 was filed against M&T Bank Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-04-18T12:00:00-05:00.
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 (Credit reporting, credit repair services, or other personal consumer reports) 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.