M and T Bank
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Fast Fact: As many as 1 in 3 Americans have errors or mistakes on their credit reports.
You should dispute a debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.
If your alleged M and T Bank account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.
The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:
The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:
Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.
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We have been customers for years paying a car loan from M and T Bank and the payments were automatically drafted out of the bank. At the end of the loan, we received a phone call from M and T Bank wherein they demanded a payment of over $1,000. When I asked why, M and T Bank stated that we were two weeks late on our payment. I asked M and T Bank why they didn’t automatically withdraw the payment as they have done for years. M and T Bank stated that the loan had come to mature and the balance was due. Several years back, M and T Bank sent out a Christmas time skip a payment option, wherein a customer could skip a payment and M&T would simply extend the loan payment out so that the customer would make the payment later when the monthly payment was added on at the end of the loan. We did this one time over the years of the loan. M and T Bank mysteriously couldn’t locate this option in their records, even though our record showed there was never a late payment and there were no missed payments.