M&T Bank Bank Account Or Service Complaint

M&T Bank Bank account or service department,

Checking account Problems caused by my funds being low Connecticut

I had a checking account with M and T bank. I had an overdraft line of credit with them as well, just to be used if my account was overdrawn. I had this for several years with $0.00 in fees and a low APR - since it would be a charge of $10.00 or less and paid off at the end of the month kind of thing. After the -/-/- subprime credit crisis, the terms on the account change. I learned quickly that there was an exorbitant fee ( $40.00 ) and 27 % APR on the card, compounded what seemed to be daily because I could n't even pay off the balance without more interest showing up. I moved my checking account to -, and kept my M and T checking account with overdraft line of credit open in case of an unforseen issue. In -/-/- I did a credit check, and got suckered into the


free credit report '' agency billed me twice for 40 dollars, and then again for 40 dollars which I got reversed. This ended up hitting my overdraft since it was an empty account no one was supposed to use, for a total of 120 in principal,?? in fees, and then the 28 % APR. By the time I recovered and was able to log back in ( the paper statements went to my old address I no longer lived at ) There was a balance of $270.00 on my overdraft. Instead of trying to fight the bank since M and T has treated me so badly in the past, I transfered the balance from my - account, and paid my overdraft account. However unknown to me - because of the insane interesting compounding in the 3 days it took to transfer money from my - account just under $9.00 dollars accrued in the MTB overdraft account. I called and said close all my accounts, and never spoke with them again. 2 years later when I applied for a car loan, I look at a copy of my credit report and find out MTB sent a delinquent notice to all the credit agencies. They never called me. They never sent the NINE DOLLARs to collections. I was furious, I called M and T and they refused to do anything except let me pay the 9 dollars and stop reporting the delinquent account. My credit will be impacted for 8 years because of this travesty, please help me. Because my accoutn is closed I have no paper records of this - maybe if I file a lawsuit with the bank I can subpoena them?