M&T Bank Reviews

I got stuck with this bank from camping world, I don't like the way they do business, to me they are bad. It's totally different than any other bank. I'm getting away from them as soon as I can.

After spending approximately 45 minutes on the phone with M&T Bank trying to obtain the status of a Satisfaction of Mortgage, I was ultimately told they could not provide me with any information because I was “not on the account.” I am the closing agent who paid the mortgage in full directly to M&T Bank. I was not requesting confidential borrower information—only the status of the Satisfaction of Mortgage, which remains outstanding more than 60 days after payoff. As a closing professional, I find it extremely frustrating and unacceptable to spend this amount of time on a simple post-closing matter only to receive no assistance or meaningful information.

Mr Cooper and its Lakeview & Nationstar "DBA's" are a criminal organization that was and is facing criminal lawsuits in all 50 states for tons of allegations... Rocket Mortgage then bought them out for pennies on the dollar for all of their mortgages. And now to make things even more "fishy" here M&T Mortgage is now claiming our mortgages but refuse to admit any correlation with Rocket Mortgage and act like they've never heard of Mr Cooper 🤷

Worst back-end computer systems I've ever encountered. Opened a checking account last week, have logged into it from my PC and my phone, but their fraud detection system has locked me out of my account FIVE times in less than a week, forcing me to call their 800 number so they can "override" the lockout. I have fingerprint enabled on my phone, correctly entered the PIN they send me, and still get locked out repeatedly. And they indicate I should expect this until their system "gets to know me." If it doesn't know me by now, after multiple logins using completely correct credentials, I'm not sure it ever will. One more lockout and I'm going to close the account I just opened.

I hate this bank. I had a check from the Consumer Financial Protection Bureau from the Lexington Law Class Action that I deposited by phone yesterday. They are now investigating me for fraud and blocked my account. I actually cannot get into my account now! I wrote the the Chairman, I called the Fraud Unit 5 times to get them to release my check so I could go cash it at Wells Fargo and they won't budge. They have not given me a time frame by when I can expect the issue to be resolved and they are all so smug and unhelpful. This is a business operating account and I am a lawyer. I was about to transfer all my banking to them but I have learned the very hard way that this bank is not about customer service, it is about abuse of power and abuse of customers.

They really make it hard to access your money and make cash withdrawals, Zelle payments, large purchases. Everything gets flagged for fraud and then they don't want to give you online access back even after you have proven who you are and all of your recent transactions are legitimate. And God forbid you have to travel. Because notifying them that you have travel plans is a hassle, and then they still flag you for fraud transactions when you are out of town. Never had this problem with People's United before M&T bought them out.

The women that work as Tellers at the bank in Brattleboro are great! The bank itself sux! They constantly charge fees and they’re slow at reviewing issues! I can’t even get my User ID reset and have had to ask or press resend SEVERAL TIMES!! I constantly get logged out of the stupid app and constantly have problems getting back in! It’s as if they don’t want me to see all my charges because it happens so frequently!

Do not let these people service your mortgage loan!!! You will regret it, mark my words!!!!

My mortgage is serviced by M&T Bank, and I am currently in an active Chapter 13 bankruptcy. I recently found out that approximately $1,950 in bankruptcy attorney fees/costs were charged or requested on my mortgage account. I requested a breakdown of the fees, but the only document provided through M&T/SouthLaw was a single-page ledger. It included vague line items such as “MFR fees” and “MFR costs,” but did not clearly explain the work performed, why the charges were necessary, invoice details, dates of legal services, or whether the fees were approved by the bankruptcy court.

Description of Error. Disclosed Payment: According to my finalized Closing Disclosure (CD), my total monthly mortgage payment was legally disclosed as $4,995.47, which explicitly included a monthly projected escrow payment of $1,267.60. Actual First Bill: Despite the binding disclosures signed at closing, my very first monthly billing statement demanded a payment of $5,799.00. The Cause: Upon investigation, M&T Bank's escrow department failed to realize prior to closing that the escrow account was in a shortage position. This shortage should have been calculated, straightened out, and properly disclosed in the loan documents before closing. Because it was not, the bank is now improperly attempting to collect a payment that drastically deviates from the legally binding closing documents.

Trying to complete the short sale process is literally the most painful experience ever. Documents continuously get rejected over minute items. It is like they do not see that, as a customer, I am trying the best to get all requirements in place as soon as possible. The crazy part is, if I were to foreclose, the bank would just have to submit literally everything that I am doing on their own anyway. I found the buyer, I completed the very complicated paperwork, I keep taking time out of very busy schedule to call for updates, and get the most rude and unnecessarily sarcastic person on the phone EVER! This is THE WORST bank in the world. I am telling literally EVERYONE I know to NOT bank with them or use their services. Avoid the headache.

Customer service is the worst. RUN AWAY. They make no effort to resolve issues. Hold time over 1 hour, then rep is rude and unable to comprehend or fix issues.

For the first few years, service was ok, then I go to Miami and I start getting blocked on any Zelle or Venmo because I had lost my license ID credit cards in Miami. I had to use Zelle or Venmo to make payments, especially to friends that were affording me cash as needed. Well, they started blocking me on my Zelle or Venmo payments and permanently blocked me and then I became debanked by this bank. No questions asked, they just blocked me from access to my own money.

M&T took an unauthorized mortgage payment from my checking account. They are refusing to return it, stating that returning it will make my June payment late, although they caused an overdraft of my bank account, causing my other bills to be late!

Ongoing website issues. Always Report it but I don’t always hear back. Several months my loan was drafted twice each month. I notify them to cancel or stop it before it drafts if I know it’ll draft in advance and they conveniently wait till it’s too late then I have to deal with my bank. I’m disabled and older and would rather get statements mailed than deal with their terrible online service.

Any time you contact this bank, prepare yourself for a 4 week wait for any kind of service. They are just HORRIBLE. From the corporate level to the branches. I have spoken with a couple of managers who seemed to attempt to help, but overall the worst banking experiences of my life. Run somewhere other than to this banking institution.

Thanks to Eisha **, Associate at Suburban Plaza for helping us with an urgent need to funds while we awaited our wire to collect fully. We appreciate your professional assistance and quick action to help us obtain funds from our existing accounts and obtain a Certified Check. It was obvious you were determined to help us and it was nice to quickly & smoothly get to our goal.

From the online experience to teaching a customer service representative via phone to ask questions, this bank by far is the worst bank to work with. I have two loans with them and just to get questions answered is difficult. On the rare occasions I actually do ask questions (I.e. loan payoff process timelines, etc), I’ve received very unhelpful “I don’t know, or I can’t answer that” from the reps. We had a FEDEX delivery of a check from another credit union to pay off one of our loans. It arrived in their overnight box.

Horrible bank, they were sending checks to my mortgage bank and racked me about $700 in late charges because their check always arrived late. This bank is very shady, do not utilize this so-called bank, all transactions take forever, and they’re useless.

This review is specifically for the M&T Bank app. The most frustrating thing about the app is that you are not able to set up automatic recurring payments. Additionally, even though I’ve set up face recognition, logged in using my username, password AND 2 step authentication, I ALSO have to call and have them unblock my account so I can PAY them. What kind of bank doesn’t want their money repaid to them??! What kind of bank doesn’t have an autopay feature in the 21st century? Yes! Correct! Ding! Ding! Ding! M&T Bank!

This has been a very frustrating bank to work with. I took out a loan last month through them when purchasing my trailer, and the experience has been disappointing. Right from the start, I was surprised to see around $200 in charges within just the first couple of weeks—before I had even made my first scheduled payment. That wasn’t clearly explained upfront.

This bank is an embarrassment. I had a fraudulent charge on my credit card at a Walmart in Mexico for $690.93. I was told to cancel my card, which I did, and my account would be credited in 2 hrs. That didn’t happen. Called back after being on hold for over 20 min. & told it would be credited that evening. That didn’t happen. Called the following day on hold for over 30 min. & told it would be 10 days after an investigation. I told them it was unacceptable & would like to speak to the supervisor & asked for the name of the head of the fraud dept. Then was hung up on.

Brighton Monroe ave branch. The notary public failed to appropriately notarize my documents. I called the bank management who offered no support and an arrogant tone. My valid concerns were not addressed.

I am writing to formally express my concerns regarding my recent experience working with Tran **, Commercial Lending Manager at M&T Bank, in connection with a commercial loan request. As someone who has been in the lending industry for many years, I have extensive experience with loan processes, underwriting requirements, and the level of professionalism and communication that should be expected throughout a transaction. Unfortunately, my experience working with Mr. ** fell significantly below those professional standards.

A class action lawsuit should be filed against this company. M&T Bank computer is failing in math, and their customer service has failed as well. I contacted M&T Bank because I overpaid in escrow, and they want to overcharge me when I am not in default. I brought this to the M&T representative Sierra's attention, asked to be transferred to a specialist, but she said there is nothing they can do and hung up on me.

I took a loan out. 1st payment due on 1st payment they took all to interest and 2nd payment too. Thru my payments that I paid weekly after all over the place. I never had a car payment house payment do this. I keep getting the run around so I filed a complaint. They are screwing me. I would not go to them. The bank and camping world are scammers and out for themselves. They know once you sign your unable to do anything. 6/28/2025. Buy a camper. First payment 8/12/2025. 414. Your 1st payment of 414 and 2nd of 104. Is taken to interest. Nothing stating before 8/12/2025. You will be charged interest. Nothing. Scammed. 5 months after weekly payments of 104. 2 dollars went to principal. Rest to interest. Really. Probably cause of 1st 2 payments. What gives. Waiting to be investigated.

Shannon ** promise that at my 10 year loan would roll over but instead I get a demand letter. Needless to say I have three loans with them and never late, so Shannon commented, "We are looking out in best interest for the bank so screw your good customers!!!!"

Been a customer 5+ years. They have my car loan, otherwise I'd close account. Staff are rude, dismissive, none performing. Lousy at serving customer inquiries.. etc. Thy seem to have implemented a business model based upon "for every customer we lose, we get 5 new ones so why bother with customer services" Their CEO seems to see customers as a necessary evil rather than commodity that provides a continuing revenue stream.

I have been a customer of M&T Bank since 2011, when it acquired Wilmington Trust. For the most part, I was generally satisfied with the bank and the service I received. Recently, I was sent a threatening letter, saying that if I did not call and verify my information that they would first freeze and then close my account. I understand KYC requirements, but sending this type of threatening letter as a first notice is ridiculous. I called the number provided, verified my information with the representative I spoke with, and was assured that the issue was resolved. A month later, without any notice or explanation, the bank freezes my account and starts sending notices to creditors that payments will not be processed. This is not only embarrassing to me, but casts me in a negative light with my creditors.

I have been a loyal customer of this bank for years, and I am extremely disappointed with how they handled a recent situation. My son was unfortunately scammed into depositing a fraudulent check, and as soon as I found out, I immediately contacted the bank to report it. I acted in good faith, explained what happened, and asked for guidance. Instead of supporting me as a long-time customer who was trying to do the right thing, the bank chose to close all of my accounts. This was very upsetting because I was the one who reported the fraud and sought help. I expected understanding and protection, not punishment for being honest. I hope the bank reevaluates how they treat loyal customers who come forward with concerns. This experience left me feeling unsupported at a time when I needed assistance the most.

I recently was hacked. Thiefs got my M&T debit card online and charged 200.00 on it for an egift card. M&T supposedly investigated but determined this purchase was not fraudulent & reversed my "provisional credit" of $200.00. $200.00 may not sound like a lot but it's hard to lose especially around the holidays. But, I feel the worse is that they made me feel like I'm the thief! My son who works in cyber security was able to determine that these people were from overseas that got into my PC and he had to wipe my comp. M&t bank did not have my back, some investigation!! (I have been hacked before with credit cards & the credit card co. has always had my back.) I am looking for another bank, have been a loyal customer for many years, first time my M&T debit card has been compromised & this is what this bank did for me!!

Obtained a $15k HELOC through M&T and the whole process was at a snail's pace because of the complete lack of communication between their departments. Then after I finally get the loan and it's deposited in my TD account I find out that I am unable to set up online payments because I don't have a M&T bank checking account. That makes ZERO sense as I can in fact use my TD checking to pay my M&T MORTGAGE. Yes, you read that correct. Don't use M&T.

I am in the middle of buying a house in Little Falls NY & M&T Bank received my certified check for over half a million Dollars. They Froze the check and said it was a fraud check. I sent them all documents to prove it's real, my local bank manager called them to verify it's valid and informed M&T bank and sent image of check that they cashed it and shows M&T bank has those funds and my bank paid it out. M&T bank is committing fraud and still will not release the funds. Samantha at that bank is not willing to help in any way. Beware to those who decide to bank there. I am still trying to resolve this with my Attorneys.

Worse customer service ever. Quote a rate for a long and it changes from 7.5 on phone to 7.75% when going to sign forms then add 150 document fee. The cost to print loan agreement. Change interest to over 9% was told it was a way for bank to make more money. Asked to speak to vice president. Was told they would call. Got loan on Sofi in less than a day. Talked to Dennis president. He really didn't care. Believed his loan officers who changed their story.. I didn't need anything other than not having other disabled vets like me hit with bait and switch interest rates.

🚨 M&T Bank — People need to hear this. 🚨 I’ve always had clean payment history, and I’ve always paid on time. Then during M&T Bank’s transition, my January payment was lost on THEIR end — not mine. Instead of correcting their mistake, they marked me 30 days late. At the same time, we had a serious emergency at home: A bathroom leak that caused mold, and with small children, this became a health risk. I reached out under hardship, explained everything, and asked for help.

Contact customer service, I was holding for two hours. After waiting for long hours was disconnected, very disappointed in this bank, I can't wait my cd will due, I have to close my account, worst bank I'm dealing with.

We were in a FEMA forbearance plan as a result of hurricanes Helene and Milton. M&T Bank purchase our mortgage during that time and forced us into a loan restructuring that has ruined our credit, despite the fact that we only sought assistance for 2 payments during the forbearance period. Their practices are deceptive and their single point of contact team fails to provide consistent or knowledgeable service. We will be glad to be rid of this bank that we never chose.

Horrible customer service, and business practices, I purchased a vehicle for my company and this is who the dealership arranged the financing through. Initially no issues but by the time the 4th payment was due I did not receive the bill until September 30 for the October 1st payment, even after calling in the middle of September requesting it. The check was written and sent out on September 30th. On October 14, I receive a text stating that my payment was late and to call the 800 number. Once I was finally able to speak with someone it did not get any better she was completely unconcerned and when I explained the situation all she would say is we've been haven't trouble wit the mail and the due date is the due date.

I had a phone call regarding my escrow shortage in August before I left for a trip to London. When I came home I found out that the mortgage payment that I paid was not applied to my mortgage because I was still short. I was very frustrated so I called a second time and I got somebody who helped me and told me just pay this amount and then the amount that you wanted to pay for your monthly premium will be what you ask for. Just today I got another notice saying that my mortgage account has not been applied to my account and now I'm late because I was short I'm at payment. I am beyond frustrated. The right hand does not know what the left hand is doing in this company. I cannot wait to be done with this mortgage and I will never do business with this bank again. It is simply awful.

Customer service is horrible at this bank. They bought out my mortgage from my original bank and they have raise and raise my rates monthly. I was paying &1700 originally and as soon as they bought out my original bank I started paying $2200. If I need any type of assistance their customer service team is quickly to be defensive. Instead of listening to what I’m asking they talk to me like I’m an idiot. No care of helping a homeowner. Only care about their money. I never agreed to have them as a bank but for some reason I had no say in this. Look at all these bad reviews. You would think they would do something about it.