Checking or savings account -- Managing an account -- Complaint #5932355
Complaint Overview
Complaint ID: 5932355
Company: M&T Bank Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: New York
ZIP Code: 14127
Date Received: 2022-08-30T12:00:00-05:00
Date Sent to Company: 2022-08-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In the early morning of XX/XX/XXXX, I used a XXXX ATM at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I withdrew {$80.00} from the ATM but accidentally left my ATM card in the machine. When I woke up in the morning on XX/XX/XXXX, I noticed there were 3 ATM transactions at different ATMs than the one I originally used and a transaction from " XXXX XXXX XXXX '' that all occurred on the morning of XX/XX/XXXX without my consent. The transaction breakdown according to my bank, M & T Bank, is as follows : XX/XX/XXXXXXXX ATM WITHDRAWAL XXXXXX/XX/XXXX XXXX {$43.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XXXX immediately called M & T Bank on the morning of XX/XX/XXXX to report the fraudulent charges. They initially credited my account back the money while they conducted their investigation. I provided a written documentation of the event pursuant to their request to aid the investigation at the end of XXXX. I received a letter in the mail on XX/XX/XXXX, dated XX/XX/XXXX, that they have determined the transactions were processed correctly and no error has occurred. Therefore they are denying my claim. They provided no written documentation as to why the claim was denied. I called M & T 's telephone banking center at XXXX on XX/XX/XXXX to determine why this occurred and if there was anything else I can do to fight this. They verbally told me that the thief somehow had my PIN number for my ATM card and that's how the transaction processed, so no error occurred. I have no idea how they illegally obtained my PIN number. There could have been a skimmer on the machine. I have no idea. M & T claims they are unable to obtain security footage from the ATMs since it is not an actual M & T Bank ATM. I have since filed a police report with the XXXX Police Department and provided that documentation to M & T as well. M & T Bank is going to take {$830.00} out of my checking account on XX/XX/XXXX and there is nothing I can do to stop them. They are still investigating the fraudulent transaction of {$1400.00}, so no decision has been made if they will approve or deny that claim as well. Please let me know if there is anything someone can do to help. Thank you!!
Frequently Asked Questions
What is Complaint #5932355 about?
Complaint #5932355 was filed against M&T Bank Corporation regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-08-30T12:00:00-05:00.
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.