M&T Bank

In making a withdrawal from my personal checking account at the branch located on Broadway Buffalo, NY, I was subjected to a loud/obnoxious "manager," who was unable to answer a question regarding new fees/practices being assessed to my account. I was told that this specific branch charges these fees, and she didn't have "anything to do with what other branches or how they operate". Of course, my natural response is "Aren't all M&Ts one and the same?" And I was then told I was welcome to visit another location if I chose. All I wanted to know was why. As with any, are there new fees/protocols and could I have something in writing? There was no need for the blatant disregard for customer service, because in the end, I am a customer utilizing a service and expecting to be treated fairly and with some tact.

Fraudulent online charges were made to my checking account even though I still had possession of my debit card. I called M&T Bank the day the charges were made and was told a dispute would be filed and no further action would be required. I took it upon myself to also contact the companies the fraudulent charges occurred from to let them know to stop shipment due to fraud. It's a good thing I did this! Six days later, charges were still coming out of my checking account and the original charges had cleared and the money removed! This caused three insufficient charge fees on checks I had previously written! I called again and was forced to leave my job twice the next day to file the proper dispute paperwork.

Today, twenty-two days later, I received a letter saying that their investigation suggests that I authorized the charges and they will be removing all the money from my account to cover all charges and fees! Unbelievable! These people are insane! The good news is that I have emails from the companies I contacted saying that indeed the charges were deemed fraudulent due to a mismatch on shipping address! Duh, why couldn't M&T figure this out in their investigation?! I will be closing my account after this gets settled. I have already opened a new account elsewhere and removed most of my money. I have also contacted the Better Business Bureau, filed a complaint with the Federal Reserve, and filed a complaint with the Office of the State Bank Commissioner. Please do the same so others do not suffer at the hands of this corporate monster!

What a bunch of fascists M&T are! Typically, I pay my bills on time. However, the last 2 months, we've been a few days late on M&T (I blame it on being middle class in Obama's world where only total povs [welfare scroungers] and the fascist rich are OK). So when that happens, everyday from the 13th of the month (due 12th), I get a call from them. I have told them to stop and that payment will be soon, but they persist. I have ordered them to cease and desist, but they continue. They are rude and don't respect their customers. I have told them I'll sue them for harassment should I get any more calls on 13th of the month or after, as I'm well aware of when payments are due, etc. They deny it's harassment, but I told them that as a customer, I feel it is, therefore it is. Don't bank with them, they are bad for your health (and wealth, from the other complaints I read here).

When I lost my job in September of 2011, my mortgage holder at the time which was Bank of America began working with me to provide a solution to make payments. However, in the middle of working with the Bank of America counselor, I was informed that my primary mortgage was sold to M&T Bank. In contacting M&T Bank, I was diverted to Bayview Financial to construct a deal on my delinquency that was carried over when M&T Bank bought the loan. I have been making payments as agreed, but now that the term of the agreement is over, I cannot get a hold of anyone to provide a new agreement or to make a payment. As promised by Bayview, they would arrange a new agreement once the old one is completed based upon my employment situation.

Basically, by not contacting me or allowing me to contact M&T directly regarding my loan, I am at their mercy, which will more than likely be a foreclosure proceeding without allowing me to arrange a new deal with M&T directly. I am now employed and more than capable of arranging payments to bring my loan current, but no one will contact me from either company.

M&T Accessory to Judicial Fraud: Thanks for the opportunity to get this straight or at least have more competent people look at a possible triangle between Melissa of the M&T Legal Department, Calvary Portfolio, Attorney **, and Judge ** who is now in the Circuit Court and who needs to be critically examined by the ethics committee and her supervisors. I did inquire the name of the Administrative Judge of where the judicial fraud, to which she was instrumental or an accessory, was committed and nobody expects little things to blow the whistle, but my wife will not and shall not take any more abuse from instruments of well orchestrated frauds. I will be seeking a congressional hearing placing all the culprits for their position so that banks, lawyers, and collection agencies desist from unethical business practices. Too bad, it has come to where so much unnecessary energy has to be spent so that the aggregate may make us whole.

I called today in trying to figure out why my wife's Visa card was blocked, and so many electronic payments that never failed before could have met the disaster of the fraud of this triangle of frauds, including a high ranking official of the courts, needs to be examined very closely. The high ranking official who must have been moved to the Circuit Court may not avoid the demise of her misbehavior while at the court, where she endorsed the judicial fraud through an affidavit judgment on a bill that had been paid in full with a Bank of America cashier's check.

It will behoove the people who want to maintain the integrity of our system to delve into this very carefully, so that the integrity of the courts may not be compromised by fraudulent judges, let alone some misleading attorney called ** and M&T Bank losing so many clients because of unethical business practices as portrayed by Melissa of the Legal Department, who refused to send whatever document she had received to punish my wife, let alone even give her last name.

This legitimates the scam. A bunch of crooks inside a bank who have access to people's personal record, credit score, who they owe and the addresses from a company call. Portfolio with lawyers who never had a real job, ** becomes such a scum lawyer, knows Judge whoever in Towson, Baltimore. She transfers the claim from Catonsville to Towson when the Judge is most friendly. Judge is now in Circuit Court from our investigation. Done deal? No.

When I was a Wilmington Trust customer, I got behind on my car payments and had two cars repossessed. In April of 2007, Wilmington Trust and I set up an agreement that I would pay an amount that I could afford each month without interest. I paid faithfully, not ever missing a payment on my collected accounts. In November or December of 2011, I noticed Wilmington Trust didn't cash my check so I called their 1-800 number and found out that Wilmington Trust had been acquired by M&T. So I called M&T at the number WT provided in order to get a payment address. I received a number and sent my payment along with a letter saying that M&T should have notified me that they were servicing my account.

A few weeks passed and I got a nasty call from a Mr. Tom **, a collections manager, who told me that I owed over $18K on my cars and that my payment amounts were not sufficient. According to my records, my balances were under $13K total. Mr. ** said that M&T had went back and calculated my interest since my repossession and added it to my balance. He also said that for the small payments I was making, it wasn't even covering my interest charges and that I needed to increase my payments. I told him WT did not charge interest and he said that was too bad. When I asked him why they didn't notify me where I needed to send my payments to after they acquired my account, he said that he didn't have to notify me of anything. That was stupid considering I would have never known where to send my payment.

I told Mr. ** that I had a written agreement with WT that I could send payments that I could afford and he said to prove it. So I sent him a copy of the agreement. I haven't heard from him since, however, I just recently found out that their payment address had changed because my payments were "returned to sender" for a wrong address. Now, how am I supposed to make timely payments when I'm never notified of their address changing? This company is a joke.

$4,715.47 of wrong charges. On January 13th, I got a letter stating to pay $12,136.96 within 10 days or they will repossess the camper. I tried to sell it. They were rude and I asked to continue payments from a dismissed Chapter 13. They flat out said no. When I received a statement from my Chapter 13, they were paid over $14,000, plus 2 years of payments before that. So I called M&T Bank several times for a review. They kept giving me the run-around. I asked for a complete payment history from purchase date. Lo and behold, the balance is $7421.00.

I called them again and they said what does it matter, we are going to sell it anyways. The point is I could have sold it for about $10,000.00. I wasn't even given the chance. They now tell me the statement is wrong and that is interest from 4 months, etc. My statement has all interest and late charges and something needs to be done with this company. I have all my documents to prove this and they really don't care. I told them I was gonna pursue this and they told me to go ahead. And in the last conversation I had, he told me to shut up a couple of times.

In January 2012 my check card was stolen and several withdrawals were made without my knowledge or consent. I am still not sure how my pin number was obtained. I was sick for a week and did not notice right away that I did not have my card. Anyway, I was given a provisional credit for the charges but I received a letter last week stating that M&T had decided that I did authorize the charges and now the credit is going to be reversed and my account is in the negative. I have been told that I have to bring the account balance to 0 before I can close the account. But it is their fault that my account is in the negative because their "investigation" said I authorized the charges. I have seen the surveillance and it is not me on the tapes, so I don't know how it can be determined that I authorized the charges.

I co-signed for my son. The loan is only in my name. He had surgery and was out of work. Income was much less so he was making weekly payments instead of monthly. They are hounding us daily saying we are months behind, threatening repossession of truck. His hours got dropped and had to make payments every other week. He fell a month behind. You get letters saying you're behind $640.00, two days later, you get one saying $1,200.00, got to love their math. I owe Feb and March 10th. Today is the first.

They called saying they are going to repossess since I owe two months and $200.00 in late fees. At $5.00 a month late fee, that would be forty months overdue. The loan is done this Sept. I owe $15.00 late fees a year ago and I had to send it in separate from loan payment for it to get posted to fees. Don't do business with them. It has been 5 years and I still can't get an answer as to how the truck is registered to him but I am the only one on the loan. I am not wealthy, didn't offer to buy my kid a truck. Stay away from this company.

When I was done paying for my car in June 2011, I had over $1600 in late fees. I had a coupon book and sent in my payment on time or included the late fee in all of them. Last June, I got a bill that said I owed $1600; and I was being reported to collections. I sent in a check for $300 and never heard from them again. Then, this very mean sounding man started calling me with a phone number, and when I called it back after work and left a message, no one returned my phone calls.

A few days later, the same mean sounding man called me on my work phone and left a message that said he wouldn't think twice about taking my car from my place of work. I called back, and the man was so horrible to me. I explained that I didn't have $1600, and he said I should borrow it because he has no sympathy for me and he hung up on me. I called back and talked to a very nice man, who then put me in contact with his supervisor. He explained to me all that was going on and I was able to remedy the situation in a positive manner.

When you can't pay your bills, like half of America, the last thing you need is some man screaming and hanging up on you when you're trying to pay! His name was Thomas, and I'm sure that he has no one in this world who could love him.

These characters are the poster child for scamming and lies. Unprofessional, poor and sleazy practices is their primary goal. They lied on the agreement when the buy out was sent to me and had me reported negatively to the Credit Bureau once we settled on a buy out. To anyone wishing or considering doing business with these cut throats, be aware that they will lie, threaten you with court and repossession even after a settlement is reached and even then, will still file negative with the credit agencies. I think that this is the only way they can get their name advertised but filing fraudulently with credit agencies.

Loan transferred in October, was told by M&T bank that I never paid September, October, November and December payments. December payment was sent into correspondent's P.O Box on time but never seen. I had not received a statement but sent in anyway. I have copies of cashed checks by Bank of America, which I mailed to them. About five different people are working on my file and no one asked me about what I have. Always get the runaround and letters about foreclosure. I am being charged like crazy for late charges on those months. They had 60 days to straighten this out but they keep saying they are researching and late charges are steady going up. Help!

I have an auto loan with M&T Bank. Originally I had coupon booklets and then they switched over to statements. I have been receiving my statements late, such as, six days before the payment is due and one of those days is a Sunday leaving me 5 days to mail my payment from Massachusetts to Dallas Texas. This has been happening for quite some time so I reverted to mailing the original coupons in with my payment. They said it was o.k. if I still use the coupons. Now, I notice they are sending me notices of past due payments when the checks I sent have already cleared my account. I am very unhappy with this tactic as I feel it an effort to slam me with late charges.

I came to a Fairfax, VA M&T branch to cash an M&T issued checked. I do not have an account with M&T but they do service my mortgage. The manager refused to cash this check even though it was their check. I had all forms of ID and have even talked with this manager on previous occasions about my mortgage. The check was issued by my attorney and was a settlement from my aunt's estate.

All I wanted them to do is give me a Cashier's/Bank check for this amount. Both manager and teller were so quick to say, "No, you do not have a checking account here. We will not cash our own check." Most banks will not act in such a disrespectful and unprofessional manner. It seems the M&T employees are not well trained and ill-equipped to deal with certain procedures. I will never open any accounts with such a small minded bank that has such poor management procedures.

We had a 7-year lockout on our mortgage. After being told that we would be obligated to pay 5% of the outstanding principle balance, we decided to continue to refinance with a different bank. Suddenly, the roughly $23,000 payoff penalty turned into $123,000 payoff penalty. We then consulted our lawyer, who informed us that even if we sold the property, we would still be considered a prepayment penalty. This would be considered loan racketeering if it was performed by a private citizen.

We have now spent five days trying to get details on the total balance with no success. We get told to call numbers and menu options that are not valid. We get told that the commercial mortgage department can't access the loan data because it is a residential mortgage. And when we called the residential department, we were told that it is a commercial loan. We also get told that we cannot refinance through M&T Bank because it is considered a commercial loan. But their phone menu has an option to visit with them about refinancing your commercial loan.

Checking account that was free checking change without notice,because it was not used for 90 days. We have a checking account with M&T, that was free checking. We haven't used it, because every time my husband went to put his check in the account, the teller would give him problems. The account was not overdrawn or anything. To find out that if said account was not used for 90 days, they change the checking, so they could charge service fees, so now the account is overdrawn. They didn't let us know that this was happening. I found out after two months of them charging service fee, I would of like to have known so I could of at least put money in or closed it. No statement sent or notice of overdraft. They didn't even send a letter informing us that our account was being changed from free checking to a checking with service fees.

M and T Bank wants to collect a 25 dollar late fee but they can not tell me the month that I was late. They want to repossess my car and ruin my credit if I don't pay. My car loan account was purchased by M and T Bank from Wilmington Trust Bank. Wilmington Trust Bank advised them of an alleged late payment but they did not send any proof. M and T Bank is desperate to collect 25 dollars from me that they have called me 16 times and send several letters. Their collections and corrupt agents get angry because I don't give in to their threats.

They try to ask tricky questions to justify why they repo/steal someones car. They have been recording me without my approval and violating MD wiretapping law. The following managers/employees have send me letters Harold **, David **, Rachael ** and another but not least Mrs. **, she did to give her last name. Wilmington Trust never advised me of any late payments but probably during the transfer of my account to M and T Bank they made my payment late and they want me to pay for it.

I contacted this bank to set up "bi-weekly" auto payments after they took over our mortgage from BoA. There, I had it set up and it ran for a few years just fine! We wanted them to set up payments as it was with BoA and I was told that the only way they will do it is if I make the payments for Dec 2011 and Jan 2012 now, only then will they set it up to start in Jan 2012. Payment will then be for Feb 2012! I was also told that we are being "accommodated" (as if we chose to have the mortgage taken over by them) as they normally charge $400 to go onto the bi-weekly auto payment system. When I asked about mailing them, the checks, bi-weekly because I am not in the position to pay 2 months in advance, they told me that they do not accept partial payments! Can you believe that? I cannot believe that in today's economy, banks are so unwilling to assist people who are willing to pay them!

It is this kind of behavior that makes people turn against the banks! Why must they make it so difficult for people to pay them? Who (in the middle class) is in the position today (and weeks before Christmas) to "fork out" 2-month installments on your home, in advance payments, just so that they can set up the auto deductions! I asked whether they cannot set it up today to "kick in" beginning Jan 2012 and I was told "no", as they will only do it once I paid the 2 months in advance and in my case, it is just over $5000! This is not only **, but I think it is also not right that I am now being punished for them taking over my loan from BoA! I cannot believe that the simple, average, middle class person has no rights when it comes to matters like this. So if there is anyone out there who can give me advice on what I can do and perhaps many others who are also now M&T bank mortgage holders, who's going to have the exact same problem setting up auto payments, I will appreciate it!

The person at this bank whom I spoke to told me that there is only one way of doing this, and that is their way by me paying 2 months in advance! It is no wonder that so many people are just walking away from their mortgages and debt; if people like me whose payments are up-to-date, never skipped, missed payments are having so much trouble getting a ** bank like this to help you pay them. I don't want to know how hard it is for someone who is really in financial dire straits! It makes me think of the series A-team with the: "I pity the fool". In this case, we who were with BoA now find ourselves with M&T bank, are the poor "fools" it seems by the way we are being treated!

I was charge 5 overdraft fees of $37 in one day and then again, two days later, 1 overdraft fee of $37 without any notification. I even went to the bank today to deposit money and still was unaware of the situation because they didn't bother to tell me. I had money in my account to cover all of my expenses and they knew this. They said that the check that I deposited last week hadn't cleared yet to cover it. I have been a customer for over 15 years and this is ridiculous. I have never had an overdraft fee and keep good records. They will not credit me for the 5 in one day fees, even though I was not notified to add to the funds.

Please cut my debit card off. We were traveling in New York City for the weekend and had over $8,000 in my accounts. I wanted to make a $2,500 worth of purchase but my card was denied and it stopped all charges or debits. I could not reach anyone after 5:00pm on a Sunday, not even their lost and stolen department. The message I was getting was "Call during normal working hours."

I received two cashier checks from M&T Bank that was sent to me by a potential buyer of a full-size bed I was selling. On the 8th of Aug. 2011, I called my bank about the checks' status, they put me on hold to call M&T Bank. Then USAA told me M&T Bank told them the checks were good. On the 12th of Aug. 2011, I again called my bank because I noticed my account was negative for check returns. USAA told me that M&T Bank sent the checks back as invalid.

Poor customer service. I was left on hold for over 45 minutes. Once, I was able to reach a representative but the individual was unwilling to call back to resolve my issue of being locked out of web banking. Simple safeguards to allow account owner to re-certify password of locked account would solve the problem if there is true customer service.

This Bank has used many highly questionable and deliberately deceptive tactics to maximize their profits by gouging their customers. The most recent incident was my first attempt to utilize their online automated bill pay. I set up several payments for future dates, knowing that my paycheck would not be direct deposited until the day that I typed in for the checks to be paid. Little did I know that the term "delivery date", meant the date that I wanted the recipient to actually receive the payment? So of course, the bank then debited my account for hundreds of dollars, to pay the three bills, resulting in three separate "overdraft" fees of $37.00 each.

This is deliberately deceptive working, designed to confuse the consumer into making a mistake, and thus causing the overdrafts. I have had many problems with this bank with similar type issues, and have finally given up, and changed banks. They also hold direct deposits of funds such as child support funds, for up to five days, and the also reorder debits that come, causing many overdrafts. They deny that they do this, but I have gone online and printed out my statement, and then when I go into the bank and they pull up my account, it shows a completely different order.

September 2010 contacted M&T Bank requesting loan modification, representatives, filter me through number of processes to see if I qualified for the mortgage modification that all concurred.

Tue, 9/14/2010 12:44 PM Loss Mitigation sent applications forms to be completed with Monthly total net income and breakdown expenditures returned mandatory 48-72 hours. 99.9% factual and legal divorce documentation was provided cite by Stafford County Court order settlement agreement signed by both parties and attorneys that former spouse relinquished the resident to me.

Charlene ** call unblocked number, decline the application stating that former spouse needs to sign the resident over even in her possession of court documents. M&T Bank balance $659, 000.00 $4, 090.00 monthly payment. Net monthly income 5, 000 per month minus expenditure a negative balance $2,230 in the red after reducing two income to one. Value of the resident is 200,000 less the value and was decline refinance. As a consumer M&T Bank carried me through pain and suffering making false claims action out false pretenses as their mortgage holder and as of today have not provided by law written documentation, responded to email inquiries, repeated asking after why after declining the application without detail explanation.

Had a total of of 13 overdraws and other fees totaling over $428 for 1 month service fee from Amazon which I never approved. Caused from purchases many were under $5 and knew was money in bank. So never felt ripped off and M&T knows that's charging $37.50 for charges of $1.35 not knowing these charges were causing overdraws. Really why would I be making charges like I did especially when had cash to pay them?