M&T Bank Reviews

They have worst customer service. Bankers are liars and some fart name "Bill **" that if you a fraud he will try scaring you. Do not deal with them. Banks are thieves!! Also BB&T. Bank of Amercrap. Hsbc. All of them got caught via scam. Stealing from customers and cheating on fees. Whoever don’t give great service should go bankrupt!

This bank is in my neighborhood to service the community. However the customer service is the worst I have ever experienced anywhere. Usually only one teller works at this bank. She is always polite and helpful but one teller clearly is not enough. Today at 10:15am three people sat behind the glass, two kept their heads down impersonating tellers only one assisted customers. The manager Ms. ** was impersonator number one, she allowed impersonator number two to do nothing but sit with her head down. If you guessed this occurred in a small town you would be wrong. This M and T bank branch is located on Alabama avenue in Washington D.C. You would be incorrect yet again if you guessed that today's service was an anomaly. This pitiful service occurs whenever I frequent this branch. Retention department can you help?

I have applied twice for a home modification loan with M&T Bank. Both times I was turned down. I am stuck on a 5 year ARM loan. I am 100% disabled and cannot work due to my health. They know my health situation and refuse to help me. I broke my neck, I have had ten Heart Attacks, Barrett's esophagus disease and three strokes. This bank is going to put me out in the streets where I will not survive. I think this is discrimination against the disabled. I need help and M&T Bank refuses to help a 56 year old disabled man, this is not right. Shame on them.

I applied for the M&T Bank Visa card with zero interest. Got approved. Have great credit. The card has an offer of 100 dollars reward if you spend 500 dollars over first 90 days. I spent 2500 dollars. They never sent me a bill. They keep mailing overdue letters. No other choice but to call them. THIS is where it gets tricky. I have called several times. I use the customer number in back of the card. When you call you speak to the bank, the mortgage people, everybody except anyone from the credit card.

I have been a long time customer of M&T Bank both Personal and for our Business. Today I pulled up to the ATM Machine and it said "Unable to print receipts, would you like to proceed?" First of all why didn't they do their jobs and refill it with paper? I proceeded since I was only making a deposit and was going to take a pic of the screen to show the transaction. I put in 2 checks, one being spit out, the other one being ate by the machine.

I have a loan through M&T, not by choice, but when I purchased my car M&T is who I got. I have had an excellent credit history since opening my first credit card 10 years ago and M&T has completely screwed me. First, let's just say their online system is not user-friendly. Since M&T took over as my new loan provider for my car in April of 2017, I have made consistent, sometimes even more than expected, payments faithfully to M&T. In August and September of 2018 after logging in to submit my monthly payments, their auto-generated Amount Due and Due Date had been lower than my normal monthly payment by $75.00. I did not think anything other than maybe my payments dropped these two months because I was paying off more on my monthly installments in the previous months.

I’ve had this account for 2 months and I’m already closing it out. After depositing my own money into the bank it was put on hold for 5 days and after it was lifted I took a picture of my check to deposit to make it easier and they still have my check on hold for now 9 days! And all I get is, "Oh there’s nothing we can do." It wasn’t a problem when I was depositing money but now nobody can help when it’s time to take out? Definitely the worst bank I have ever been with. I would rather go back to Chase Bank. Customer service representatives are distasteful and rude. DO NOT BANK HERE.

I normally do not write any reviews but the experience with this bank has been so pathetic that I was forced to write it. The online banking system is a joke. They keep blocking the transfers with no reason and say it's for security and have no clue when it's going to be fixed. The customer service is a joke too with average waiting time of 45 min to get to them to just hear that there is nothing they can do about a problem.

I called and sent a email about being off for 9 months with leukemia. Went back to work. Asked for help to no avail. Was out 9 months struggling. They wanted to sell my house even though I was not behind. I wouldn't recommend them.

My mortgage got sold to this bank. I recently had some hardship and requested a modification. This began in May they have yet to help as they said but instead won’t let me pay and now are trying to take my home. Everything they ask me I do and then they say they need more. I realized they simply have been playing me and had no intention of helping. Now I need help away from them. They are seriously trying to foreclose on my home. I don’t know what to do because they have lied and placed me in a awful situation. DO NOT have anything to do with this bank. It is awful, unprofessional, and a scam. I have been in tears dealing with them regularly. Please - anyone that has advice let me know. Please!

Our mortgage was bought out by this bank, and I use the term bank sarcastically. My husband paid the mortgage on a Friday morning. We were coming up to a Bank Holiday on Monday so we assumed it wouldn't post until Tuesday. Upon review the payment did not post until Wednesday. When we called to verify the payment was received electronically as it stated the representative stated that the account showed an outstanding balance and NO PAYMENT.

My mortgage was sold to M&T last year, I did not choose them and never would. I've had nothing but problems since. From rude employees who have literally no idea what they're doing, cannot answer basic questions on what fees I'm being charged, will never let me speak to a supervisor etc. They're telling me my mortgage is delinquent but WILL NOT LET ME PAY. You read that right. They've locked me out of my online account. They've locked me out of the phone pay. They won't take a by phone payment with a rep. I've paid in full TWICE NOW and they returned the funds to my checking account, the same checking account I've always used to pay, and locked me out of everything.

When I opened my checking account, I stated expressly that absolutely no USPS mail from the bank was to be directed to my residential address (which I had to provide as a condition of obtaining services). I explained that because I am in the process of escaping a domestic abuse situation that involves financial abuse (and this is commonplace in domestic abuse), any mail from the bank could fall in to the hands of my abuser, who, then realizing that I now have funds at M&T, would attempt to secure these somehow and/or commit physical harm against me for beginning the process of separation/escape.

This is the worst experience I have ever had with ANY company ever! Since the moment they purchased my mortgage loan in September I have had nothing but problems. It started with threats about not having homeowner's insurance and then not having flood insurance AND THEN it was not adequate coverage. I had to call weekly to correct these issues, as my insurance company sent proof of insurance several times. Additionally, I was provided several "analysis" and each was incorrect. Including one in which they sent me a $1390 check and stated I overpaid last year.

Also experiencing login problem described by other reviewer. Login went from clumsy and slow--use to take multiple attempts--to, lately, impossible. I can't log onto the site to see my account information, no matter what I do. Spent 10 minutes identifying myself and describing the error via the SUBMIT FEEDBACK link and when I hit submit I got an error message, so my choice is to call (they never solve online banking issues. Usually get transferred around and give up). I can use the mobile app, and that's it.

Generated a loan through M&T Bank back in 2006 with 11.125% interested rate. For 12 years I've paid approximately 2,395.00 a month on a 120K loan with taxes and insurance included. As of December I still owe 108K on the principal. I wanted to get the interest earned for year 2016 and 2017. Each time the automated prompts would eventually hang up on me. Call the general 800-724-2440 number and after a long hold time I got someone whom didn't know what they were doing (Gloria). I'm going to refinance with a different bank. You are a very bad company. So difficult to work with.

This bank will not let you pay extra on your principal. When you pay extra money they will put that payment where you don’t have a payment the next month but if you don’t pay extra then your interest for next month is added each day you don’t pay extra money so when you do pay all your payment goes to interest. I’m 3 months ahead but they won’t automatically withdraw because they say you're ahead of payments. They also do not post your account notice until 12 or so days after it’s due. Bad bank. Someone other than me needs to make a complaint to the feds.

The bank manager approved an account for me, then lied about approving it. He became hysterical and agitated on the phone, and is hardly fit to be a manager of the bank. Beware of doing business with this branch, because the manager is very incompetent and cannot be trusted.

I have literally been trying to log on to my account with M&T for a week and I can't get on. They changed their log on process in the last few months, it went from easy to slow and laborious, and now it simply doesn't work. I will have no choice but to switch banks...it's just inexcusable in this day and age of easy online transactions.

I have no choice, but to have my mortgage under M&T Bank. My mortgage was sold three times within the first year of having it. I'm now stuck doing business with M&T Bank. My problem with M&T Bank is they don't accept payments for your mortgage on the weekends. Why is it, any other bank or online bill collect. You can post your payment on the weekend, but not with M&T Bank. I have loans out for auto, new windows, and having a basement finished. All of those I can post a payment on a Saturday or Sunday even if the banks not processing the payment until Monday, but not with M&T Bank. You can only post your payment during Monday through Friday and it even has to be posted by 5:00 pm to be posted on the same day. This is just another reason why the banks makes the rules, get bailed out when they make bad business decisions and we have to take it if we want a house or buy anything.

I had no choice in dealing with M&T Bank, since my mortgage was sold to them at closing. In the first few years dealing with them, I had no issues. I went through a Chapter 13 bankruptcy which has been discharged for a year. I have made all my payments on time for the last 14 years, including during bankruptcy. In the past week, M&T Bank has called my home a minimum of 3 times a day, including Saturday. I called them 4 days ago to ask why they're constantly calling me. The rep told me "it's as a courtesy once you're within the grace period and haven't yet made your payment" (payment due on the 1st, grace until the 16th). So then how is this a grace period if you are now calling me multiple times a day, every day? All he could ask was if I was going to make my payment by the 16th.

I do a lot of web banking transactions in terms of paying my bills and transferring funds between accounts as I have multiple accounts with M&T but only one can be assigned a debit card. I made a call to customer service just recently because I was in an emergency situation and needed to have funds transferred from my savings to my checking which was linked to my debit card. Web banking system was down so I called into customer service to have it done over the phone. I went thru two reps who refused to make the transfer even though their systems were down because they needed the last 4 digits of my account number and I could only remember the last 3.

Purchase a condo 10 years ago with M&T Bank being the same mortgage company for 10 years. Back in January 2018 they send me letter and flood insurance on condo. They never received it. So I call condo association to get a copy and sent to them. Well couple weeks go by but never heard anything from them so when I called they said they never received it. But I had receipt from fax back in January that they did receive it. So I send it again. Well a couple months go by and I get another letter stating they are putting insurance on condo that they never received proof of insurance. Well now I’m pretty frustrated with them. And to really make things they added to mortgage payment without me knowing.

This bank will charge you $38 automatically instead of blocking charges to your debit card when your fund is inadequate. Even when the charge is for less than $6. And when you don't fund it within 7 days, they will continue to charge you $38. Instead of blocking charges to your debit card when you have inadequate fund, they will still process the transaction because they will bill you $38. They will tell you that you automatically enrolled to auto debit, and that's a lie. But that's how they harass their consumers. Please do not use this UNSCRUPULOUS BANK. Their practices are appalling. I hope State banking regulators will investigate this bank.

I have been banking with M&T Bank for 6 years. And in that time, I have had nothing but negative experiences with them. Their ATMs are out of service more often than not. They will find any excuse to charge you insufficient fund fees or other fees that they dream up (which they love to stack as many times as they can if you make one small slip up). If you do your math incorrectly and overdraft your account by as much as 1 cent, but the total transaction amount was $5 or more they charge $38.50. So you may be thinking "Ok, I will simply double check my account before and after I make my transaction to ensure everything is correct". Well chances are excellent that their mobile banking will be down.

No way to speak to a live person. My mother is elderly, and she has her mortgage through M&T, a bank that I would never use, due to the non-customer service attitude. They are sending her threatening letters regarding foreclosing on her house, and she is paying her mortgage insurance etc, and they are stating that she is not. She is frantic, but I can't get anyone on the phone, just a freaking loop.

This is the second year that I have had the same problem with M&T. It's property tax time and they never let me know if they have the bill or a status of the process. Try to call and get into a loop around all the departments. This is very poor and a big lack of information that property owners need.

Nearing 4 months after submitting an approved disabled property tax exemption to M&T from my county assessor’s office and M&T is still taking too much out for my escrow account, $4019 too much. My county has applied the overpayment from the first bi-annual tax installment to my annual tax liability leaving me with zero owing for the remainder of the year, yet M&T continues to take the incorrect amount out each month. I’ve spoken with many, many people in both the Tax department and the Customer service department who blow me off and bounce me back and forth, no one is willing to take responsibility. When I finally get supervisors, they assure me they will personally watch the account…and that’s when it all ends.

3 weeks and still no resolution... I went to the Leesburg Branch, after receiving a notice with late charges in the amount of $1494.74. Brought with me all my branch receipts, where as I brought in all my payments in and a copy of my note. My last payment is next month minus these late charges. As the receipts indicate I am not and have not been late. I just received a brief phone message from Luke ** saying he cannot help me. Very perplexed, prior to next steps, I am reaching out for assistance to correct this error.

I asked for $160 at the ATM. As yet again I received two $5 bills and three $50 bills. Since I could not use the $50 bills, I immediately went into the bank and asked for the bills to be changed to smaller ones. I presented my ATM card, the receipt for my transaction, and the $50 bills. I spent 7 minutes proving who I was (driver’s license), that I had an account at the bank (check from my checkbook), and digits from my social security number. All this to get smaller denominations that I could use to shop because the bank chose to fill their ATM with large bills.

I had no say in this transfer of my mortgage. Never had a problem with the other entities that owned it before, but now it is an awful experience. They are so rude and arrogant about their own errors. They try and hose you, then penalize you on their errors. Corrupt to the core. I can't stand this company. Going to refi just to ditch these crooks.

My 84 year old had an equity line with M&T bank that has been at a zero balance since 2013. We are selling the property that he took the line of credit out against. I have POA and submitted forms, paid $42 closing fee, signed forms to close account all on Aug 7th, 2018 at a local branch. It is Sept 5th, 2018 and numerous phones to a supervisor named Shelly, in the Buffalo office ID# ** as well as branch supervisor Tanya, at the East Orange Nj branch to they can get a 'closed and settled' letter that our lawyer needs otherwise they will hold double the amount of line of credit in escrow! Cannot get a straight answer. Back and forth. Each blaming one another. Claiming paperwork was not received, and they are still waiting on approval to close the account!!! This has to be the most frustrating experience I've ever had with a bank. I will NEVER do business with M&T EVER again.

I went to M&T Bank in Baltimore. I deposited $600. The machine malfunctioned and ate my card and money. I received a letter from bank this didn't happen. I'm so upset right now. They are an awful bank. This isn't my first incident with them, they credited wrong amount with check deposit, again ATM. They allowed 3 separate fraudulent withdrawals from my account. They have awful customer service.

I had gone through the Mercedes Dealer who recommended M&T Bank. I financed through them but be prepared for excuses if your car is totaled. I am a Purple Heart Recipient who served in three wars. I have never had a bank make excuses and drag out to my pay off my car to get more money. My car was deemed totaled in June and I am still trying to get my car lien paid off. For the last 3 months M&T Bank has continually lied to me on the phone and nobody knows anything but I have a claim number. I have Gap Insurance which they received that paid off the car.

I have a client who I made a loan to and the loan was transferred to M&T Bank. He wants to sell the house and allow the loan to be assumed per HUD guidelines. M&T believes HUD requires a downpayment of 3 1/2%, which is incorrect. The representative stated this is M&T Bank and HUD requirements. Incorrect. HUD does not require a down payment on assumptions. Reporting this bank directly to HUD for review and complaint.

I paid off my loan in order to trade my boat in for a new boat. They would not issue me a letter saying the loan was paid off for 10 business days. They initially agreed to expedite it for me, but then another person said they don’t do that. After 10 days they agreed to fax it to me. When I never received the fax I called, spoke to a supervisor, “Dallas” who informed me they don’t do that. They will only mail it which will take another 7-10 business days. Every time I call I get a new story. They are the worst. I would never do business with them again in my life and neither should you!

They bought my loan from CitiMortgage in January 2018. I have been kicked off of paying online because they are saying my account has been flagged as bankruptcy when I haven’t filed. Have called and they took the loan off my credit and when I try to make a payment they won’t accept it. Saying I have to make it with another department who always seem to not be in. They are saying now that if someone put my address down it flags it as bankruptcy even if it’s not me. I have never heard of any such thing. I have checked my credit and everything is good there but I can’t get anyone to take my payment. First time I have ever been late and I’m trying to pay but no one will take my payment. This is so ridiculous and it’s their fault and I’m paying the price for it. I am checking with other banks to refinance as soon as I can. It’s almost funny that I can’t get them to take my payment. I’m just worried because don’t know what they will do next.

Recently in May I was involved in a tragic car accident. I was told my insurance would cover most of my loan and to contact the bank in regards to the remaining balance. I called and was told by an M&T Representative the balance would be turned into a personal loan. My Insurance paid them immediately. I was worried about my credit and the representative had me make a payment for June and July assuring me everything would be fine.

M&T Bank are thieves. Their ATM malfunctioned, got jammed, and refused to return my deposit or my debit card. Then they denied my claim and took back the provisional credit they gave me, stealing $200 from me. Don't bank there if you don't like being robbed.

M&T Bank is the absolute worst bank to have your mortgage loan. First my loan was transferred by CitiMortgage to them. So my suggestion is if you ever have the misfortune to have your loan transferred to them run as fast as you can and find another lender. Customer services is a joke. Actually the joke is there is no customer service. They don't listen and try to over talk the customer. Second once you are fortunate to get rid of them and they are no longer servicing your loan they have no interest in any communication or fixing what they messed up. THIS IS THE WORST EXCUSE FOR A BANK AND A LENDER. RUN AWAY.

I have a boat loan thru them. They won't give me a loan book like norm. And when I do an e check with them they process it when they feel. I made the payment days before it was due. They processed it 2 weeks later and sent me daily threatening letters till the processing went thru. And charged me late fees. I've had my loan for 3 months now and this exact thing happened twice. They are so miserable to deal with I don't even want the boat any longer. Problem is I paid half down on boat. In process of talking to lawyer to see if I can end this without losing out too much. Horrible company.

My wife has a checking account with M&T Bank. I went to the Wynantskill branch today (6/19) and had no trouble getting copies of cancelled checks. At the Wolf Road branch, however, my request was refused. I showed my valid drivers license & identified myself as the husband of the owner of the account, who happens to be legally blind. She can sign checks, I make the rest out. Please explain! Letter of the law vs spirit of the law?

The first year of my mortgage I paid a different bank approx 1250$ a month. Exactly 1 year into the loan I was sold to M&T, the first month went over fine at the 1250, the next month I was bumped up to 1350, I figured it was just taxes increased for the year and I wasn't happy but bought their story. The next year, my escrow apparently had a shortage, I looked into it and found it was an error of the county and quickly rectified it, I even received a tax refund for it. I contacted M&T to correct this and they informed me that they will only provide an escrow analysis once a year in January after the county provides them with the new bill in December.

Very good lender. Saved up almost 100 dollars by revising our escrow account. Also obtained offered a new loan to lower our interest rate under the recent VA refinance rules. They offered these benefits without being asked. They wanted to make sure under the same 30 yr. mortgage terms, we would go forward with the lowest interest rate possible. This saves us $60 a month with a closing fee of 300 dollars. No cash out, no variable interest, no equity borrowing, etc. Just a new fixed loan.

They have been helpful in some ways. I need to expand my account to set up to pay my bills to make sure everything is paid each month. Talk with someone about my account.

I am truly pissed off with M&T Bank. MY mortgage loan was sold to the bank several years ago. I was told that my mortgage note increased due to the change in my insurance coverage through Allstate. I checked with Allstate today to find out no such change occurred. It is apparent that the bank lied to me over the phone. I will be contacting them again tomorrow and don't again. You can look out for another class action suit against you.

M&T withdrew my whole paycheck, I spoke to 5 different people ranging from the local branch to customer service center. First I was told my employer gave me a bad check, NEVER WOULD THIS HAPPEN. Next I was told they had no idea what it was and since it was a mobile deposit, they couldn't look it up. I was told my paycheck I deposited "I tried to deposit twice", once again incorrect. I was then told it was something from Feb. I had deposited my paycheck using mobile deposit. While doing my deposit the app crashed, which happens a lot. I pulled up my statement and saw that even though I only did the deposit 1x it was showing 2x. I immediately called customer service and was told it would wash out, it happens frequently. Yes, it is my negligence that I didn't check my statements monthly.

I began two weeks ago to transfer funds from my money market account into my checking account. It has never happened. Told by the worst customer service ever that every next day my funds are going to post. Was told numerous times by Investment Customer Service that the funds would post. Now I have absolutely no funds. Getting evicted, can't pay car loan. Can't get medications. Forced to open an investigative case with the Federal Comptroller of Banks and Currency. STAY CLEAR OF THIS BANK!! Next step I have to get a lawyer with no funds!! Hopefully this bank will eventually dissolve or go Bankrupt. They have ruined me. Sleepless on Long Island.

We only have our mortgage through M&T, as we have cut ties with the big banks. I was sent an email reminder 3 days before my mortgage payment was due. I have set up payments through my credit union & have paid my mortgage on time since 2012. I logged into my account to opt out & received the message I was not set up for emails! I contacted the number on the email & the rude rep told me to look for an alert option. There is NO alert option on mortgage accounts. I called again & was transferred to the mortgage department & after being on hold for 10 minutes & without speaking to anyone, I hung up. I'm SICK of the big banks & the terrible customer service.

M&T Bank only likes to help people who have money. If you're lower income or disabled they do not want anything to do with helping you although they portray in their commercials they're so helpful. They love giving out overdraft charges and when I asked to please remove at least one... I was told no and they could and would not give me any answer. Just no. I was going through a refinance... and I needed information from them. I dropped off the papers and when I called the refinance company a week later... they never received the paperwork. I went back to the bank and to my amazement it was still sitting there.

I had such a bad experience with this bank from day 1 that I forced myself to pay off my boat loan early just so I would not have to deal with them. Once the loan was paid off early I asked for a letter of loan satisfaction. The customer service rep acted like I was inconveniencing her. 3 years later I go to sell my boat and can't because all they referenced in the letter was the loan #, not the boat info. Once again I need to request a letter of loan satisfaction with the boat info and once again the customer service rep acts like I am inconveniencing her. From the first day I got this loan I knew it would be a headache. No one tries to help, they are very sloppy with their paperwork. Having a bank loan should not be this much work! How does this bank stay in business!!!!

I accompanied my husband on a visit to an M&T Bank branch at 5642 Baltimore National Pike, Catonsville on 4/2/18 where he has a checking account to which he has direct deposits. We are an elderly couple. My husband has no checks for this account as he no longer has starter checks and has not recently used the account to write checks. He was told in a previous visit that he had to pay $10 for a check in order to avoid a cash withdrawal of the sizable sum he was seeking. In order to avoid withdrawing over $1000 in cash, we waited for nearly 30 minutes to seek assistance to accomplish this withdrawal. Instead of assistance, we were called by a hostile and rude bank officer.

I am writing this in hopes, that no other person ever has to deal with the lies and shady dealings of M&T Securities like I have suffered through. My grandparents had lots of stocks from M&T Securities. My grandmother passed away in September 2017, and left her estate to me. Including all of her stocks. I have been stuck with every bill imaginable, and although I did not want to liquidate the stocks, I had no choice. I began this process in October of 2017. I had my attorney contact M&T Securities to liquidate and cash out the stocks. First off, the initial contact between my attorney and M&T was a very long wait. My attorney called several times asking for a letter of instruction on proceeding the liquidation. That simple letter of instruction did not end up coming until November.

Getting stuck with M&T was not my doing. My Mortgage was sold to them. I have damage from Maria and because my check is for more than $20,000 they have to control the disbursements. That's OK except they want to force me to use a Licensed Contractor. I however can pull my own permits and my husband who is a subcontractor will do the work. They want to fight me on this. They have been fighting me since February! Now we are into the rainy season in FL and I still don't have a new roof!!! I think it's time to get a lawyer... I can pull the permits and the city will do inspections!!

My mortgage was sold to M&T Bank and it's been nothing but a nightmare since. They harass their customers. They are incorrect with their information and they are bullies. I am going to refinance to get away from them. My recommendation would be to stay as far away from this institution as possible.

After my first year of owning a home our lender sold our mortgage off to M&T Bank which was not an issue at the time. Unfortunately, as of last year we had issues paying our mortgage due to being affected by Hurricane Harvey. Now here is where the issue began, after speaking to a representative over the phone we were informed that we must fill out an adjustment package and send in a hardship letter and prior months bank statement. Well, after completing the tasks (fax is the only way which cost me $40 each time) we haven’t heard back from them for a month, so like any right minded individual I called them and was assured they would look it over.

Relocated from Ireland to USA and applied for secured loan to help build credit history. One week later the bank informed me in writing that foreigners do not qualify for loans from M&T Bank. I am stunned this blatant discrimination against foreigners who are investing in the US economy.

I have had many personal accounts with M&T Bank over the past 7 or 8 years. Recently we opened a business account in M&T Bank thinking it would be convenient to have the same for personal and business. I was so wrong! I've had the account open 6 months and I've had nothing problems from the beginning. My complaint will be of the most recent... A cashier's check or a bank check was given to me from a customer so I can buy supplies and start remodeling his house on Saturday. I DEPOSITED the check at 12:43 pm on Friday... A bank check is basically already cash, that's why I had the customer get a bank check.

M&T Bank has the worst customer service I've ever experienced. They are at best rude and usually disrespectful and condescending. This company acquired my mortgage from another mortgage company, and the circus began. I had correspondence with the bank and was told I qualified for a loan modification. They sent the paperwork which was filled out and returned promptly. Then the phone calls started. My loan modification was denied for reasons of them not informing me of wrong information which is documented, I sent the correct information. It was an excuse every time, terrible service.

My mother had a bank account and a living trust holding a safe-deposit box with M&T Bank. I flew across country (I live in Oakland, CA) to visit my mother when she was in the hospital, unable to leave; she was very insistent I should get into her safe deposit box. When I tried to get into the safe-deposit box, I was told I needed to get a power of attorney to do so -- despite the fact that the person present *knew* the box was held by the trust. When I got said document, I was told that I could not get into the box, as it was held by the trust, not my mother per se. Fine, I thought; we will see about changing the trust, and that will solve that. My mother passed away before the trust could be altered.

M&T Bank has the worst customer service I've ever experienced. They are at best rude but usually disrespectful and condescending. Their processes exhaust their customers by requiring unnecessary measures that any working person is unable to endure. Their website is painful to use and their phone service is agonizing. It would be in your best interest to find another loan service!

Found out to my surprise, some years later that my saving account was closed at M&T. The bank said I came to the bank and I signed for my account to be closed. Then on the same day, they said a deposit was made to my checking account for $207.81 and the bank said I did that also. There is no way I would have done that. It did look like my signature on the receipt, but I know I would not, closed my account then took an odd amount and put it in my checking account, then leave the bank with the rest. I would have taken the entire amount I closed with and left the bank. What should I do, when they have proof that I signed for it to be closed? I have already taken action on this matter and they said the same thing... "We see you signed for your savings account to be closed and that is your signature, so you closed it."

This company acquired my mortgage from another mortgage company and the adventure began. After a death in the family, loss of job and another family member got ill I fell one month behind on my payment. I had correspondence with the bank and was told I qualified for a loan modification. They sent the paperwork which was filled out and returned promptly. Then the phone calls started. M&T Bank is also a collection company. My loan modification was denied for reasons that escape me. I have spent many hours providing this company with everything they requested. Beware is all I can say.

I was mislead on what a loan motivation was by phone and was hassled by this mortgage after experiencing damaged from Hurricane Harvey. A representative from the company showed up at my home uninvited, many hassling phone calls and letters after arrangements were made with the company, rude customer service reps who acted as if they were doing you a favor by taking your call. After applying for the modification with all required documentation due to a 3 month deferment, the company required my check stubs pre-storm as if we received raises during the storm.

Worst car loan experience I have ever had. To begin with, when I initially opened my account I never received any billing information concerning loan payments. I assumed that my payments would not start for 45 days like most banks. Nope, not this one. I didn't receive any billing information until my first payment was past due and then demanded a double payment. I attempted to assure them that I never received the initial information concerning account number, payment due date, or payment amount.

I have been through 4 different modems at Spectrum and every modem the IP address was blacklisted by M&T Bank meaning I cannot surf to their website. I can connect to any BANK except M&T Bank (Key Bank, Bank of America all good). What a PAIN IN THE ASS!!! It’s been over 2.5 weeks and when I call M&T Bank they say it’s Spectrum's IP being blocked and when I call Spectrum it is M&T Bank! Well the problem is at M&T Bank blocking IP addresses in order to gain access to the website. FYI it’s the Baracudda blacklist system! As a business owner this is **!! Also the M&T Bank App is terrible. I haven't been able to get this to work for months either. Support on the same is also poor! It’s a real shame. I have 11 accounts with them and when calling tech support you're only a NUMBER!!! And the same excuse!!!

Do yourself a favor and choose a different bank. They charge you for every little thing. I was 7 dollars negative in my account, so I deposited 10 dollars cash the next day, and they charge me a 38 dollar late fee... I will never pay this late fee. I wish they go bankrupt.

M and T's online banking and app services are absolutely HORRENDOUS. As a business owner who was clearly foolish enough to open not 1, but 3 accounts with them. PLEASE spare yourself the trouble of having EVERYONE in the entire United States having access to your account EXCEPT YOU! Oh, and the hold times over the phone are endless.

My mortgage was sold to M&T Bank. Ever since, dealing with this bank has been a nightmare. Their customer service people are incompetent, their loan officers don't know what they are doing, what you are told via phone conversations and what actually happens are two different things, and they are always looking for a way to charge you more for them doing nothing but harassing their customers.

I was laid off last year and have been continually 30 days late with my mortgage payment. I have started to recover financially and then had to replace a 6k boiler system on the house. I have applied to M&T mortgage for a home modification and was denied based on credit! I knew that would be the outcome since the loss of employment. I asked the bank to add 2 payments to the back of the loan and they have refused but continually offer a deed in lieu of title. They have been of no help.

This the worst bank ever, you can tell they do not care about anybody. They bought Hudson City Bank and kept 2 mortgages on credit report. Had to fight to remove one, then added $12500.00 to balance of my mortgage. They say they charge to pay mortgage off early. Now they want 2 months mortgage payments in escrow at all times. PLEASE DO NOT USE THIS BANK. They will stress you out every month with new fees. Now they reported I was late over 90 days on my mortgage for 10 months in a row. They killed my credit so I have to fight to change the last credit report.

We have a Controller who is going to jail for stealing more than 1/2 a million dollars from us. We didn't realize the theft was taking place because M&T was refusing provide us with bank statement that were lost in Storm Sandy. We hired a lawyer to force the M&T to provide the records. When they finally sent the records the theft was clear. We saw checks where the payee, and amount on the checks did not match what was recorded in our accounting software. There were over a 120 checks altered. Most of these checks were deposited by the controller into her personal account using the bank's remote deposit application on her smartphone. These applications are not secure. They cannot tell if any of the information on the check has been altered, and the system can't tell if there has been white out used on the check.

I chose M&T Bank to open up a guardianship account. BIG MISTAKE!!! For six months, they have been unable to effectively process checks written from this account - even with specific court orders. I was finally forced to reach out to the Better Business Bureau, in order to literally force this company to do its job. I had to take 9 days off work to try and resolve issues and they will not reimburse me for the work I had to miss. I also had an appointment with the branch manager and he refused to meet me - and I had driven almost 4 hours to meet the manager. The BBB complaint # is **. Even with corporate M&T involved- they still can't do the job effectively. I caution anyone considering opening an account with M&T Bank to think twice.

Our loan was recently purchased by this bank from a reputable bank that we never had a problem with. In 20 years we have never missed a mortgage payment. Our home was demolished by hurricane Irma this past week. When we talked to FEMA they told us that mortgage companies will allow you to defer the next 3 mortgage payments until the end of the loan to give people a chance to get some of the repairs done and make the house inhabitable again. When I contacted this bank, they said they were aware of this policy, but they don't allow for it. They told me if we missed the next 3 mortgage payments we could apply for a loan modification. They would report us as 3 months delinquent on our credit reports and raise the rates and charge us closing costs. WTF??

I'm pretty much satisfied with my bank until recently. I had to go get a new bank card and I applied for one. They told me 5-7 days so I'm waiting. No card. I have bills linked to my bank card so finally after 8 days I go to the bank and applied for another card. So now I have to wait another 5-7 days before I can get my bank card.

My loan was purchased from M&T Bank (I made my first payment to them in June 2017). I have made several calls to them concerning my escrow and my taxes/insurance. It is hard to get anyone on the phone. Once they are on the phone one person tells you one thing and another person tells you another thing. I call. I get transferred from one department to another. You ask to speak with a supervisor. If you don't hold forever waiting on one they don't have one available so they have to transfer you then you get transferred to another department which isn't who you need to speak with and need to be transferred again. They won't give you a phone number to a supervisor or even an email address. They said, "I didn't know if I am allowed to. You for them to call you back and we don't make outgoing calls." Please sell my mortgage to someone else! I am over it - customer service sucks - I can't deal with all the petty stuff!

I use M&T Bank on RT 17 M in Middletown N.Y. and I find them to be great. It's a small bank and they take good care of my banking needs. And I have been with them 25 to 30 years now.

I have never dealt with a banking institution that is as ill-equipped and unreliable as M & T. After my mortgage loan was sold on my out of state rental property to M & T, M & T notified me 6 months later that the automatic payments which had been set up for over 6 years and in which I had never been as much as a day late paying, did not transfer. M & T notified me of this via a postcard a day after they sent me a certified letter noting foreclosure warning proceedings. Then I had to pay for their attorney costs to close the matter and my credit score tanked. I tried to explain that the property was managed by a realty company and that I had never even received a phone call from M & T regarding the matter and letters from M & T were sent to the out of state rental property and my previous address.

Several attempts in dealing with customer service with most recent was to have a copy of my vehicle title (which they are holding) be sent to the DMV in order to register the car. Even in this day and age they will only assist me if I fax a letter with my request. Not to mention I spent almost an hour verifying my identity however according to policy that was not sufficient. I was passed along to several "supervisors" just to have the policy reiterated to me. Customer service is non-existent!

NOW (M&T BANK) since changing from Wilmington Trust to (M&T) the service has gone downhill tremendously. They just don't care about their customers. They have high fees for every little thing that you can think of. They have made several mistakes with my account and held up my money for days. HANDS DOWN WORST BANK EVER!!! STAY AWAY FROM M&T.

I have been very cautious on getting Auto Loans these days, and now I know why. I have an Auto Loan with M&T Bank. I received an auto loan through Nissan Dealer in Auburn, MA and they ended up getting this institution to receive my loan. I never received a welcome to our bank, instead I looked at my credit report and find out I have an account with them and the total balance I signed for increased by 200.00 dollars. I talked with a customer service rep and they told me it was my payoff, then this morning I looked and again it increased by 400.00 dollars. What is this bank doing, do they think consumers are stupid and don't realize that they are stealing money from their customers. If this does not stop I will refinance with a reputable bank.

Sadly, my review is joining the ranks of the trillions of others who have had a bad experience with M&T. As a business and personal account holder (soon to be former) I was not only treated unfairly and unjustly when seeking banking products for my business but until now, I never closed my accounts despite the NUMEROUS fraudulent and bad practices of this bank. I will start by stating that there are a few branch associates and phone reps that are very professional...but that doesn't negate that there are times when multiple ATMs are not only down, but will take the cash to be deposited and then malfunction where you now have to wait weeks to get your cash placed back into your account. OR when an ATM doesn't work at all. And then there are the actual banking products, which this bank notoriously will not offer even longstanding loyal customers. It is sad that this bank has come to be a bad experience.

I got a letter on May 8th that my escrow account was short (Today is June 5th). They took my normal payment and put it in suspense because it did not have the $100 dollars for the new escrow payment (Pmts sent automated from my bank). Got an intent to foreclose letter from these people ALREADY!! I've never been late in 4 years of payments, and yet they already start intent to foreclose proceedings. I was out of town for a few weeks and was going through my mail... when a knocked at the door and my mailman asking me to sign a letter from them telling me to get an attorney.

THIS M&T BRANCH located 120 Shawan Rd, Hunt Valley, MD 21030 SUCKS **!!!! I'm going through a divorce. My M&T bank account was setup with my LEGAL maiden name (which ON MY SOCIAL SECURITY CARD!!!! I kept my maiden name adding my soon to be ex-husband's name). For the past 6 months I've gone to this location and withdrew monies from my checking accounts using my driver's license, bank card and b/c of all my legal names I provide my Social Security card. Today however all of my LEGAL documentations (I even gave them my damn birth certificate!) weren't good enough. The teller who lack common sense and a ** brain (blonde girl w/ glasses), said she couldn't use my SS card b/c it lack a picture! What state has pictures on SS cards??!! And I'm sorry but don't you all accept the SS card as a form of ID when opening accounts are concerned??? I surely used mine!!!!

I will not use euphemisms to write this review, I will tell as it is. M&T Bank is not only the worst bank I have ever dealt with, they are the worst group of people I have ever encounter in my life. Like many, my loan was transferred to them, and during 6 years I have been lied to, defrauded, almost foreclosed on for no reason (I was not late on payments), threatened, robbed, and treated like garbage. They added thousands to my principal, they hurt my credit, they forced an escrow account, charged endless fees (even to give me a pay off amount). I was told if I didn't sign a document they would "Increase my principal even more", while they were already preparing to foreclose.

Honestly, if I could give negative stars I would. This is not directly for this location but for M&T in general. If you use their mobile deposit in the first 30 days of your membership to deposit a check they will HOLD it completely for 5 days. They don't give you a certain amount and hold the rest like most banks. This is absolutely ridiculous as the check I put in was a payroll check. As soon as it clears, we are taking our money out and canceling the account (regardless of a fee). Thank you for screwing us and leaving us with no money for a week! Never again and we will definitely be telling everyone we know not to bank with you!

They unfortunately bought my mortgage a few years ago and out of four they have been the only company that's problematic. They're impossible to get a hold of to make a mortgage payment to, even on their app half the time. It's nothing but problems with this company, I can't stand them. Do yourself a favor and avoid them at all costs if you can.

M&T Bank in Rehoboth Beach, formerly Wilmington Trust provided title to mobile home when loan paid off, but it was unsigned. Owner did not know this was a problem until time of transfer. I am realtor representing the seller. M&T faxed copy of title not understanding that we need original in order to complete the transfer. Have tried for 3 days to get someone to call me back. Zero response. Unacceptable, unprofessional customer service. What does it say about a company when they won't even call you back.

M&T Bank is the worst place ever. I always come to this bank and the customer service is the worst ever. Each person waits at least 30 min to be seen, while there being more employees there. Instead of making customer service the number one priority and help the next customer, they leave one person at the teller and all they can say is sorry. One customer and you spend your whole lunch there. It has to get better.

Took almost 3 and a half weeks and 11 attempts to get a payoff statement. I explained in early Dec of 2016 they would not be receiving a pmt for Dec as it was to be included in the payoff of the mortgage. After finally getting payoff info after them dragging their feet Dec not went past 30 days, I was assured by several members of their staff this was not an issue since the Dec pmt was rolled in the payoff check. Only to find out after having my check for the entire balance of this note in their possession on Jan 13 2017, they turned my account delinquent on the 20 of Jan 2017 and destroyed my credit score after confronting them. I was told there's nothing they could do and conveniently all recorded conversations on this matter could not be found. Instead they have reported my account as delinquent for the entire balance of the note. Not for Dec 2016 note. The entire note of 86 thousand dollars as if it went into foreclosure.

I just dealt with the nastiest/heartless bank in the world, M&T Bank. They could care less if my brother can't talk to them, because he is on a vent and chemically sedated. From the 24 of Feb to 24 of March the M&T Bank will close my unconscious brother's bank account if he hasn't contacted them by that time to update his personal information. They will write him a check on what is in his account and mail it to him! I say that is a good deal! Who would want to be associated with such a bank!

I went to the bank this morning to get a document notarized and was charged $6. The person should have informed me before notarizing my documents that there was a $6 charge for this service if I was not an account holder. She did not do that which I thought was unethical, unprofessional and sneaky. It these are the kind of people that this bank employs, they will certainly never get my business.

First off the bank charges fees that most other banks have done away with years ago, like a $3 to transfer money to another bank, and $10 a month to use a money management software like Quicken. Already a reason not to do business with them. Second, a company that I regularly do business with accidental took a large amount of M&T (which was listed as a secondary account) without alerting me. M&T is an account I made a long time ago and almost never use, and thus it did not have the required funds. M&T immediately charges a $40 overdraw fee without notifying me (while it is your responsibility to check, most banks this day and age will notify you of this), then 5 days later without notifying me charged me another $40.

This Bank gives you no wiggle room and doesn't care about you whatsoever. They'll do everything to get you to their bank but then nothing to keep you satisfied even if you are a good customer. I use their online mobile banking. It showed I had available and total balance in the positive. I forgot that I had made 2 bill payments that didn't come out for 3 days after, and I purchased fuel. All of a sudden all of these things came out at once. I was given three $40 insufficient funds fees for each charge. I'll admit that was my fault. I tried getting them to reimburse me for at least one just to be nice because I never, ever, ever go negative but nope.

I went to the M&T branch on 4747 Transit Rd, Depew, NY 14043 to transfer money between accounts. There was no one in line for the three tellers. I walked to the counter and stood there. Not one of them made eye contact or acknowledged me. This was ignorant and rude. I went to the teller in the middle and could literally feel the disdain oozing from her. As I explained what I needed to do she was busy joking with her fellow teller about house parties. I provided my ID as requested and she returned it with a flip of the wrist. I worked in customer service all my life, and I have never seen such arrogant and disrespectful treatment of a customer. M&T human resources better start using better hiring criteria for its people other than empty headed party girls.

What do you do when your mortgage was sold and you were not informed. What do you do when you find out and the new company is not set up to take your mortgage payments? What do you do when you are in a horrible financial bind and the bank offers to help and save you some money? I saved $3.00 from that scam and I am currently behind. I attempted to catch up and I called to make a payment. After being berated by Customer Service for not making the payments, I was shouted at, demeaned and the payment was taken from a very old account not used in over 16 months... on purpose, I'm sure. I called twice to try and figure out why the payment didn't go through. Each time berated about being behind and confronted with... "Well! What are you going to do about it!!" I spoke to a manager who did not want to fix the payment. She wanted to know what my problem was and why I couldn't pay.

I pay my mortgage payment religiously every month through my online banking. The payment is due by the 16th of the month or they charge a late fee. I have the payment sent on the 6th of every month. That gives the payment 10 days to reach them. This month I received my statement from them with a late fee assessed. I thought, no problem I'll just call them and ask them to refund it. They REFUSED to reverse the late fee. I told them I had a confirmation from my bank that the payment was sent from my bank on the 6th. They told me too bad. They only allow one reversal per the life of the loan and I already had one reversed in October of 2015 (for the same reason).

After failing to be able to make payment online I called Customer Service. Being transferred around after long holds on each round finally got to talk to supervisor only to be told I could only make my payment on PC not mobile device. The other girls didn't know that? The first two girls were very rude and I'm wondering if I was left on hold that long on purpose? My loan was transferred to them. I would never have picked them. Stay away from this business! ** for customer service and the music they play while on hold. I'd like to slap the smart mouth girls on the phone. Wonder if they REALLY record the calls? Doubt it.

Worst Bank Ever!!! When making deposits it says it will be available on a certain date then it's not, when you ask why it is not they give you some ** excuse that it posts to the account then day after the given date. WTF!!! Any bank I have ever had makes funds available immediately if under a certain amount, not here they don't make those funds available until 2-3 days later. When you tell them to cash a check and deposit as cash they won't do it stating some more ** excuses. When my father wanted to put money in my account for me they wouldn't let him! Any bank will let you deposit into an account but again not here. I have had nothing but bad experiences with this sorry excuse for a bank in the year that I've dealt with them. I will pulling all my money from this bank and opening a new account with a credit union. Do not go here!!! This bank should be shut down! Run!!!

I paid my last car loan payment and called M&T Bank customer service immediately to change my address and name so title will have correct information. They ensured me that name was changed and I was supposed to receive mail which I had to sign and send back with copy of marriage certificate. 10 days passed by and I never received mail with title that had my old name and address on it. I called them again and they said I have to deal with DMV directly to change my name on the title. As a customer, I did everything right, I was on the phone for over an hour, they told me my information was updated and they are sending mail. As a result, I have to pay fee to DMV to have my title changed. Manager was rude and entire customer service team didn't care to understand my situation, I would never use this bank and make sure everyone around me knows how bad they are.

As I have seen there are a lot of complaints about M&T Bank. I'm also complaining their phone wait period is too long. They get mad at the customer. Make up stories that make little sense. I know it not me because no other financial institution is doing that over the phone. I gave it a two stars because when they screwed up or gave me a hard time one guy put our payments back up to date for us.

Went to the bank with a personal check that someone gave me. They purchased a snowmobile from me. Went to cash it. They wouldn't let me cash it at the window so I went inside. They wanted 2% percent of the check to cash it there. Are you kidding me? This is one of the worst Banks I've ever dealt with.

We wanted to re-fi our home mortgage to save a few dollars. We always paid on time and even ahead of time. I started in mid-August, was told it would take 30 days to complete. Still no closure the week of Christmas. We had at least 3 closing dates only to be told everything was ready yet. I got a call that we would close Dec. 27, 2016. Two days before closing, I was told by M&T Bank I needed a check for over two thousand dollars for closing costs. I was told from day ONE that all costs would be added to our loan. So since I did not have the two thousand plus dollars they say I canceled the loan and therefore they keep my $275.00 fee to start the loan.

B of A sold my mortgage to M & T a few years ago. I always paid my payment before the due date until two months ago when I had a decrease in my income. I called and requested help through their Mortgage and Home Equity Repayment Assistance. They told me I had 90 days to complete the paperwork involved. They told me they would send me the application immediately as the 90 days began with that phone call.

Do NOT deposit or invest your money here. Should the account holder die they REFUSE to release the money to the rightful beneficiary. They just keep asking for more paperwork, that even if you provide they just keep asking for more and NEVER release. By LAW after 3 years of no activity on an account by its owner they are bound to turn it over to the state and THEY DON'T - THEY KEEP THE MONEY. Dad has been dead since 2010. I am administrator of his estate and provide all certified original paperwork the County says they issue. HUDSON is committing FRAUD (or is incompetent) by holding funds for their own benefit (at a laughable .01%). The staff is jealous you are getting your dead parent's money and do everything they can to withhold it. If you die your money is THEIRS and your family will never see it. They also rip off old people with extremely low interest rates. Get a Vanguard. DO NO TAKE THEIR ADVICE it is SELF SERVING.

My mortgage was purchased by M&T, I did not enter into the relationship knowingly. M&T was crooked and unfair in their dealings with my mortgage. I have no doubt they can claim their actions were legal, but would reject any claim to a moral standard. They withheld funds while they simultaneously charged late fees. When I protested by phone, on several occasions, it was just a run around. They held funds and stood by fees, and then put the requirement on me to write a letter. Take your money, and put the work on you to get it back, that's the M&T I learned to despise. I suggest you DO NOT enter into a relationship with this bank!

I tried to deposit a small business check ($182) into my account and get immediate access. Despite the fact that I have direct deposit from my employer, they would not give me access to the money. BoA will and that's where I'm headed next. Oh, I took the check back home and photo deposited it to my Chase account, immediately available without the paper check!

I had an account with M and T for 5 years. I specified that I didn't want to have overdraft protection, and that I just wanted any charges that exceeded my funds to be rejected. The bank employee assured me they would be. I moved and tried closing my account, but they told me that I couldn't close my bank account over the telephone unless there was a $0.00 balance. So I waited until more funds had been taken from the account. Apparently, the bank DID allow charges that exceeded the funds to be debited to the account, because when I looked later, I had a negative balance. Again, the bank would not close the account because I had a negative balance not a $0.00 balance. So I had too much money and too little in the account, so either way M and T would not close the account.

Wanted to transfer funds or close out 2 accounts - I will start by saying that several employees happened to be kind and very helpful. One man BILL (won't mention his last name) was the rudest individual I have ever met. I spoke to this man three times and he was nasty each time. I should not have to jump through hoops to get MY money out of a bank I no longer feel comfortable doing business with all due to this one man BILL! He works in the Wyoming avenue branch in Kingston Pennsylvania. I am looking to make a formal complaint about him as I have been a customer over 15 years and plan on taking every penny out and opening an account with a new bank. I will not accept being treated that way. He is one unhappy, miserable individual and it shows! He should not be in any type of customer service if he is not capable of being polite!

Run, I mean seriously run from this corrupt company. I don't write reviews unless service is excellent or horrible. M&T is the worst I have ever dealt with. They leave Verizon and the DMV look like fairy godmothers. I am making this statement only to save the reader from entering a nightmare. I'm not going into a tangent, just the facts as briefly as possible. The first paragraph says all you need to make a decision if you are considering doing any sort of business with them.

M&T Mortgage is the worst possible mortgage company we've ever had to do business with. They appear to be either a dysfunctional company or just as bad, a company that doesn't care enough about their customers to coordinate their services among their own staff so one staff person knows what the other staff person knows. They admit they don't talk to one another. You can't get an actual phone number from them - staff people claim they don't have phone numbers, always referring you to their 800 line which you can't get through on, unless you have 6 or 8 hours to wait. I would not recommend M&T Mortgage to anyone under any circumstances!

My checking and savings accounts were recently frozen at M&T Bank because of a mix up with a creditor. After calling the creditor and getting that resolved, I went to the bank to make the payment and clear up the account, while the creditor faxed the necessary paperwork to the bank. When I spoke with the creditor they informed me they could hold twice the amount I owed; however when I went to the bank, my entire balances were frozen on both of my accounts, totaling over three times the amount the creditor had been authorized to deduct. I signed the required legal documents to remove the hold, which they faxed to the bank's legal department at 4:00 p.m. (Their legal department said they could do it if they received the fax by 4:30.) I was at the bank at 3:00 - it took an hour just to get this point. However, by 4:30 the accounts were still frozen and I was unable to get my money.

Last year I went on short term disability but my claim for pay was denied. A couple days before returning to work they terminated me. Lost 3 months income and then 6 months reduced from unemployment. I had been searching for work for 7 months but nothing was in the area. Just as my benefits ran out, an old supervisor so my resume and I was hired but I had to commute over an hour away. I needed a job so I took it. We treaded water for the 9 months due to my small 401k disbursement. Then due to the rise in medical cost, economy and insurance coming due I got behind 2 payments.

On 9/29 I deposited a check written off a credit union in another state. The funds were deducted from the payer's account the same day. I was told by the teller with whom I deposited my check that it would be 2 business days. I am now told that there is a 4 day hold because it was written off a credit union. Then (same conversation) told the money, which is MINE and was DEBITED IMMEDIATELY from the other account will be credited to my account on 10/6 - one full week after my in-person deposit of the check. This is 2016, folks. So, pray tell, all powerful owners and overlords of other peoples' money... When will you have accrued enough interest off MY money to go ahead and credit it to my account? Greedy **. The lot of you should be in jail. I imagine they are all the same, but I will be shopping around... This is highway robbery.

I was a customer for two years on a marine loan, always paid on time. When I sold the boat on 8/17/16 they advised me the title would be sent to me within 5-7 business days as long as I called and requested it once loan was paid. They confirmed loan was paid and I requested to mail title. Mind you my address had NOT changed in two years and they mailed me a BILL every month in this time.

This bank is horrible, illegal and fraudulent. They assess late fees and fines, and do not tell you you've been assessed. The fines do not appear on bank statements nor on-line. You have no idea you need to pay these fines until after they have doubled or tripled the fines and then reported you to an agency to recoup the money by force. Incredible!!! They claim they've made "several attempts" to get you to pay the fines, but in reality, they've kept it a very closely guarded secret. What a scam! I've been bait by this twice now, and I need help. I'm sure I'm not alone in this. How can we report this to higher authorities? Please help!

M&T Bank purchased our home loan from another bank. Ever since then we have had the worst service. I really wish we could have had a say. There are no M&T Bank near me. So when I was unable to pay online, I was told to mail a check in and 3 separate occasions they never received my check? So we were charged a late fee each time. After the first time I did not trust mailing a check so I called and was told to pay over the phone however they would charge me. So I paid the $35.00 fee for payment over the phone so I would not incur the late fee. They still could not get my online payment situated. I end up mailing a check for the next month and again they don't seem to find it. I ask for a different address so that it is not a P. O box so I can FedEx it, to no avail. We finally have the online payment situated but still have to pay the late fee. I just want to change our mortgage company.

In the process of relocating from SC to WNY, I prepared to open an account on 6/15/16 with M&T Bank Online in anticipation of that move on July 3rd. During that process, I ran into several glitches with their Online system (in regard to bank-to-bank transfers), and was forced to contend with M&T's Online Banking support system - which is an absolute horror! You are held on hold for up to 35 minutes (during which time, their badly chosen music blares into the phone), and then you cannot get a straight answer from anyone. It seems they operate much the same way that some Phone service providers do - they read off a list of things you're supposed to try (which mostly do not work), and after that, they are lost. I finally managed to set up the transfer on 06/22/16 - which means THAT day, the account was deemed to be active.

M&T Bank bought out my Hudson City Bank, in NJ. December 2015. My small home improvement loan $77.00 was just about paid off. I called to find out payoff amount and the worst experience only began to evolve. I was rudely told I would have to wait until it was sent to me. Upon receiving this information, the letter had NO Bank letter head or printed on paper indicating it was M&T Bank. I sent in my final payment, which was then returned without any reasons; only another statement (again just a typed up piece of paper, no letter head) with an increase cost of interest. I contacted customer service supervisor, also said I could pay at the bank. The teller did not know at all what she was doing. She called service rep because the amount was more than stated on letter, (which I had with me). The teller still confused I then asked to speak to the rep on the phone. She said "I don't speak to the customer!"

I have been a customer and fan of M&T Bank ever since they bought out my old bank, All First (formerly First National Bank of Maryland). Whether dealing with someone in the branch or over the phone, I've always found customer service to be top notch. I do 95% of my bill paying through the Bill Pay feature of their online banking. They honor their bill pay guarantee (if you set a payment up in the system at least 5 days ahead of its due date and it is received late by the creditor, M&T will reimburse you the cost of any assessed late fee). I've only had to collect on this once and it was several years ago. But it's good for me to know first hand that it does work!

I opened an account with a promotion. I received to get $200 after I make 100 direct deposit in 3 months. I very clearly explained how I was making my deposits from my checking account since I am retired and do not have a paycheck to it through. Was told how to do it and made a deposit upfront of $200 and have been doing 50@ from my checking. I called to see where my $200 was and was told it had to be a payroll direct deposit of $100, not 2 $50's and my checking account was not considered direct deposit even though you receive it directly each month. I was told by your employee how to do it. Just a big lie on your part not to give me my $200. I will tell everyone I know about your bad practice. Oh, I called your customer service 3 times in between and no one mentioned anything about my deposits not being correct. Bad practice!

This is the worse business I ever have encountered. Their service was unprofessional every time I have ever dealt with them. They charge you to withdraw your own money from the tellers. They lack the action of informing their customers about fraudulent activity. This bank is horrible and should be closed down. When a customer schedules a transfer they take the funds at any given time and day. They do not waive any overdraft fees no matter what the incident may be even if it's a double charge, a fraud claim, even a bank error they caused. They do not work well with their customers. The many branches that I have been to coincidentally have the most unfriendly and non-helpful people currently working.

I opened my checking and saving account in M&T over 3 years ago. I am on J-1 visa and I am working at a research institute right now. I have lived in the US for over 6 years and my husband and I started a green card application process. This is my first credit card application in the US. I previously had credit cards in other countries. Since I had been reasonably satisfied with M&T, I applied for a Visa credit card and was told that it should not be a problem as I fulfill all requirements. But I got rejected and the reason is that I am NOT A PERMANENT US RESIDENT. Although the federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, etc. The reason they are giving me is discrimination.

The worst possible place to have a mortgage. I did not pick it. Was transferred to them. I will be done soon and will NEVER recommend them to anyone. How do they get away with it. Example: called 4x for an answer. Each time they said it would be researched and they would get back to me. They never did. That is only one example. STAY AWAY if you can.

M&T has to be the worst bank that I have ever dealt with. We own a small business and had 3 accounts with M&T Bank for the past 5 years (started when they were Provident Bank). Out of the blue we got a call from a company that had an automatic payment from one of the accounts call us to say that they payment did not go through. We were a little surprised since there was over $35,000 in the combined accounts and the bill was $150. My wife called their Customer Service (on the weekend) to see what was going on and they said that their system was down, and to call back on Monday.

Doing business with M&T is not recommended for a multitude of reasons. First of all, their customer service is the worst of all companies still alive today: waiting times of 45min average, rude answers, people sending you through to equally ignorant others all the time etc. Secondly, their processes are 1950s at best; even for a money transaction people start planning conference calls together and it can take days. Thirdly, they fail to communicate what they change to you, so you may find your account completely blocked for no reason, with their IT-system not allowing them to unblock it. Finally, they suggested that I'd identify myself through my lawyer (?), which is costly, not what lawyers are for, and entirely pointless. All in all, don't waste your money on these suckers.

I have disliked M&T bank mortgage since I had my mortgage switched to them when I was having some money problems. I was never a month late but was paying after the deadline for having to pay late payment and I paid those too. If you call they treat you like a criminal saying that anything you say will be used to collect a debt and when I asked about it they say supposedly because they are in New York and is something they have to say for legal reasons. That is very creepy and extremely unfriendly.

My husband has a small business account with M&T and two days ago his ex partner walked into the Rockville MD branch and wrote two checks to himself in the amount of $6450.00, cleaning out the account. Back in September and again in January, the branch was informed verbally and via two written letters that the partner was no longer with the company and to remove him as signer. My husband also provided them a copy of the state document that documented the separation. My husband is the account owner so you would think this would not be an issue right?

The worst customer service!! Huge attitude by phone and the most difficult and not friendly web site.

I tried to log into Online banking. User ID and password established a few weeks ago and working until last week with a message "ID and password do not match". After 3 more tries I was unable to continue. A message to contact their 800 telephone appeared. I called that number which was answered after 30 minutes. Margin was told about my problem but had to switch me to a different department. Keith answered and told me he could not help. I would have to go to the local branch since the account was frozen.

First you have to love a society where banks purposely bet against homeowners and devise algorithms that predict who will eventually get foreclosed on (toxic loan sales). I bought a house and the mortgage was through Wells Fargo. It was sold to another bank. Then a third, M&T. Never did I want to have any interaction with M&T. I was forced into it when I got my first mortgage bill from them. I have a 5.5% fixed rate. Yet, our mortgage payment continually increases. What started out at 1170 per month is now 1344 - same house, same interest rate. The reason? Not enough in escrow. Yes, right, an extra 2300/year for what exactly? Every single rule is set up to protect banks and screw over homeowners. There is a very serious problem in our country. It is no longer of any benefit to purchase a home. In fact it is more likely to cause negative financial outcomes than positive.

I opened a small checking account with M&T along with a safe deposit box about a year ago. I never got around to using either. Since the checking account was supposed to be free of service charges, I didn't give it a second thought - it would be there if I needed it, and if not, I could just close it out and get my money back. Not quite. First of all, the safe deposit box that I never used came up for renewal at the end of February - even though I opened it in mid-March and paid for a full year in advance. I got the renewal notice on 23 February and had only 3 days to get into the bank and close the box, which had to be done in person. Then when I tried to close my supposedly free checking account I found that very nearly my entire deposit had been eaten up by fees that were charged against it because I never used the account! Expensive lesson - avoid this bank like the plague.

M&T sent priority letters informing me that I had to contact them at a certain phone number for verification of my identity. I did this and was told by customer service I had to call the individual branch where my account originated which I did but since they were always closed at 4 pm (I live 14 hours time difference), I left a message explaining my situation. Customer service also said that they would "try to inform" the branch office that I had contacted them.

Whatever you do, do not get a loan from this bank. They do not believe in hardship at all. I was out of work for three months and made partial payments because I was not working but made the effort of giving something instead of nothing till I can get back on my feet. They don't give a damn about nothing. They should loan laws with these banks.

I took my 93yr old mother to the M&T bank in Milford, DE today to cash a check which she does once a month. Today it was raining and she can't walk without assistance, so she made check out to me for $200 and asked me to walk inside and cash it for her. I went in to cash the check and was told they would cash the check but would charge $10 for this service! I explained it was raining and she is 93, then was told to have her walk in, write another check for cash and she could avoid the fee because I do not have an account there. Can you imagine no problem cashing check they just want the $10. Oh and I have been taking her there for a yr. Greedy disrespectful ill run bank. Why would anyone bank there.

This bank just wants to change service fee while provides bad services. They even do not want you to know they are changing. Seeking other banks and leaving it as soon as possible.

This bank operates like it is the 1980s still. Takes 6+ days for checks to clear. Highest overdraft amount anywhere @ $38.50 up to 5 times per day. They are very shifty in their accounting and documentation as well. They show checks as posted in ledger but they are still pending. You are supposed to know that they haven't cleared by the receipt you receive from ATM. That's right ATM. No mobile deposit app. Also if calling the 800 number average hold times are 15 - 25 min to talk to a person which are unable to do anything without a supervisor which takes another 10 minutes. I was lured in by the $150 bonus for signing up. Ended up paying more than that in fees even though the balance of my account never reached 0.

I have been doing business with M&T Bank since 2003 when I bought my first business. I had several personal and business accounts. In 2013, I got myself a M&T Visa card. Due to some difficulties I had missed payments on my balance totaling less than $300.00. This year, M&T reported late payments to credit bureaus and will not extend courtesy of taking back this reporting. Never ever get a credit card from M&T bank again. They will screw financially as well emotionally because of late payments. I admit I might have missed payments, but where is the courtesy here.

On October 30th we got a letter from M&T stating our accounts had been hacked into and they were freezing the accounts pending an investigation. They asked us to go through our statements and highlight the transactions we are disputing. We did that and now they refuse to give us the provisional credit they originally said they would. We lost close to $7,000 and they won't give us back a penny of it.

The local branch manager, who has run the bank for 5 years, didn't even know how to set up a bank account. Other branches have had 1 teller available, during peak hours, on FRIDAYS. The people at the branches will give you information that will screw you over. When you call the main number to ask what happened, they will contradict what they told you at the branch. This has happened a half dozen times to me in a year or so. Finally, if you make a mistake and overdraw even 50 cents, they will charge you $38.50. Though they contradict each other in almost everything they say, it's the one and only thing that they drill into their employee's heads. They want that fee more than anything.

I only opened my account with M&T Bank a few weeks ago. Already my account has been hacked into and now they are investigating. But my branch accused me of fraud when I had no idea what was going on. I tried to get in touch with security department and I never could. The manager threatened me that he would call the authorities. Anyone else ever had this problem?

I feel like everyone else on here. M&T Bank charges fraudulent insufficient fees so they can make money. My husband got paid on a Friday and Saturday we put his check in the bank. Before work on the following Monday I put $115 in cash in the ATM to make sure nothing would bounce. That following Monday his check cleared and then charges were taken out from the weekend and we still had money in the bank according to the online statement. Well two days later they charged us 5 insufficient fund fees of $38.50 each which brought our account to the negative. I was like "how is that when online it doesn't show any negative except the ones due to them, taking money that isn't there and there was a pending a deposit as well". I was expecting to see a little money but nope. None, we were broke. My husband called customer service and they were like "manage account better and it isn't our fault".

Our mortgage loan was bought by M&T Bank after falling behind a few payments this last winter. My husband, who is self-employed, had to have surgery and was off his feet for three months and unable to work. Since this time, we attempted twice to do a loan modification to get caught back up and were denied both times. We were told that we could NOT make any payments while this process was taking place, unless the payment was for the full amount owed. After the second denial, we were told that our loan was going into foreclosure and that we needed to go through the attorney that was assigned to our case. We repeatedly asked for the payoff balance to get things back on track (before the foreclosure had even begun!) and were told it would take days, but instead it took weeks and nobody ever got back to us after repeated phone calls.

M&T discriminates against Africans of the African ancestry. This is the truth because I have experienced it. If you walk in their bank and you are black they give you an eye to tell you, you are not welcome here. The manager I interview with Mrs. Amy ** at Potomac Maryland branch did not even want to interview me. I arrived on time but it took her 1 hr to arrive to interview me. When I arrived and asked for a Manager I was told why I am there for. The minute she saw me, she was uninterested. She interviewed me for 5 minutes and told me I should wait to hear from human resources.

After 17-years of service, changing policies of a 'minimum' balance that was never communicated to me, though they allege it was both in post and electronic (neither are true). Then attempting to transfer/close out, only to have that account suspended due to 'fraud' which led to the time spent gathering documents and personally faxing them over, after they shared my transfer bank would be able to. The communication they have given me in written form has been rude, non-accountable, and I can't believe I've invested time, mortgage, car payments, etc into this account which I opened when I was 15.

Opened up a checking account for our daughter as an M&T branch and ATM were conveniently located on our daughter's college campus. We could then transfer funds as we needed from right online from our account to hers. We have done this for years with Chase and Capital one. Come to find out after being told there were no fees for transfers that there is a $3.00 fee per transfer, plus if using Quicken to manage the M&T account they require $9.95 subscription per month or $119.40 per year to do what Chase and Capital one never charges a fee for using Quicken to access and upload/download to & from their accounts.

On Sunday August 31st 2015 I went to the M&T branch located in Greenbelt, MD 20770 at about 11 am and made a deposit at the ATM. I checked my account on Monday 9/1/2015 as I routinely do to see which bills cleared only to see all of my money was withdrawn out of my account. I went to the M&T branch in Washington DC 20036 and spoke with account rep about the fraudulent activities. She told me she was going to cancel my card and I needed to come back on Tuesday 9/2/2015 when all the charges was cleared for her to file a claim on my behalf and that I was going to receive a refund within 24 to 48 hours. As of Tuesday 9/8/2015 I haven't received a new card or a refund for the fraudulent charges on my account was posted. I called M&T customer service on 9/4/2015 about my refund and was told the bank is going over the videos and that I was going to be contact via a letter.

I entered in a loan modification from October 2014. This agreement stated the total monthly payment as of $1994.14 (1,376.71, as principal and interest) + Escrow (617.43 for Hazard Insurance + Property taxes). On 4/30/2015 they sent me account Projections and the projected monthly payment escrow would be $566.96 from June 2015 to May 2016. On 7/30/2015 they sent me a new account projections showing that I have $7,277.81 of escrow shortage, thus the monthly payment increase in $606.48, it means 30 % increase payment shock.

I opened my account with M&T in 2007. At that time they had a free savings with the checking. I know this because I have never had money to save, I was a single mother. So there was never a balance nor a fee for the account. Jump up to 2014, I had been out of work and my boyfriend who also banked at M&T decided rather than carry my card with him he would add his name to my account, link to his card so he could deposit money now and again to keep the checking account open. In the meantime, I had to rent my house or lose it, so I used the savings as an escrow account for the security deposit. I noticed though that around the time I deposited money in that account, they started taking money out. I called three times, each time I was told no changes had occurred and I should come in. Well I had been ill but finally went in with my boyfriend over his account issues and did discuss my issue with a manager.

They bought my mortgage from a really great company. The second contact from them was an increase in the minimums for reserve accounts. They had been fine for the previous 4 years, but suddenly they weren't enough. So I did what everyone who deal with this crap house bank should do. Made one payment, refinanced with another bank, and M&T can go screw themselves!!!

Had a boat with my spouse. Got a divorce. Asked for boat to be refinanced in my name. Was told no, had to turn boat in for them to action off. Was told if boat did not bring enough money, would have to pay balance. That's fair. But owed 140k on boat, was not notified again. Then look, there is a charge off of 136k on my credit report. What a scam. Sell the boat. Screw me, screw IRS. Wow, just do what you want. Another government federal ins bank that Roosevelt warned us about. I was willing to pay the balance but now it's time to file suit.

Starting in February my debit/credit card was compromised for approximately 7k. I filed disputes and a police report for fraudulent activity. M&T gave provisional credit then reversed in August 2015 but did not provide documentation of the investigation and why denied. I called to M&T's attention that my account was charged for Time Warner Cable Bills in NY and I am a Maryland resident. NOTE Maryland does not have Time Warner. Opening a cable account requires a name, address, social security number etc. In addition to Time Warner my account was used for unauthorized Overstock, Amazon and Victoria Secret over a weekend. All of these charges were also credited then denied. Can I file disputes again and reopen this case?

I have most of my personal and all of my business accounts with M&T. Today August 5, 2015 I found out that they have shortened their business hours Monday - Thursday to 9 AM to 4 PM. Another business customer and I stood there at the door, dumbfounded, at 4:17 - what kind of bank that even HOPES to serve small business customers closes at four in the afternoon? I thought I was lucky to get there before 5... it would be BETTER if they were open until 6. I moved my accounts FROM KeyBank TO M&T when KeyBank shortened its banking hours. They tried to get people to be okay with nine to three but it really only worked out for retired people. They have since lengthened their hours. Maybe I need to go back there?

Since they got the account from Bank of America I have had nothing but problems with them. I don't see how my account keeps coming up short, and God forbid I send a principal payment. Now I have to deal with some questionable statements for the next couple of months. Four different people in my Dr. Office said they had the same problem. Sounds like a class action lawsuit waiting to happen. Hope so...

M&T obtains forced homeowner's insurance for property owners that do not provide "proof of insurance." In the event of a claim on the property, M&T sends the homeowners instructions on how to handle the claim with its chosen insurer (with the insurance that you are charged for) and a check is written to both M&T and the insured (the homeowner). However, in the case at hand, and I am sure many others because I was told so by M&T representatives, M&T is refusing to turn over the insurance funds because the property is in foreclosure and in an underhanded manner (and fraudulent) keeps the insurance funds to pay down the mortgage, leaving the homeowner to foot the property damage claim or forego the repairs. THIS IS A CLASS ACTION LAWSUIT WAITING TO HAPPEN.

I called customer service after I read a letter that my account was to be debited for $204.82 because they provided me with this money to cover fraudulent charges. They did not. The charges were $137.82 and the company verified that they reversed the charges. I wrote them a message when my account was credited twice for the same amount for a fraudulent account. I wanted to be honest and make sure the extra money in my account was taken out. The letter was very rude saying that the transactions were processed correctly and my claim was denied.

Back in April I received an alert from M&T Bank of suspicious activity on my account. I then checked my account and disputed the charge of 159,98 on July 7th. M&T bank sent me a letter stating that they were reversing the provisional credit even though I sent them all the information that the company was scamming people. I took all the steps I was told to and they still refused to reverse their decision. One of the customer service reps I spoke with was very nasty and unprofessional. As soon as I can I will be closing my account with them.

I have had a car loan with M&T for 5 years. I had 3 payments left. 3. For the past two years, M&T would "confuse" payments from my husband and I, posting them to the wrong accounts, then charging a late fee to the other one. We sent checks with account numbers in red ink. We sent checks in with pay stubs. We paid online. Time after time, we were reported to Equifax with a late payment as they posted the payments to the wrong account, the one that was current, letting the deadline pass on the other. We disputed the issue and received a letter stating that they were responsible ONE TIME. Finally having enough, I went online, pulled up our two accounts and clicked on my loan. It said "click here" for today's payoff figure on this loan. THIS LOAN. So I followed the link and paid it In full. Guess what? M&T posted the amount to my husband's account and reported my payment as late. Unbelievable.

I just received a small refund check from the bank. They were ordered by the Consumer Financial Protection Bureau to refund money for certain fees that weren't justified. They however took off most of the money saying that my account became overdraft (this was resulted by the unjustified fees they were charging me, that they were ordered to refund me). So, they were basically charging unlawful fees to the customers, pretended that they were following the legal order, but not really. The consumer (Me!) end up having to pay at the end! Very unethical. What a joke.

I disputed a transaction on Saturday June 27th the same day that the transaction was made. M & T told me that the dispute can last up to 60 days, but I would get a provisional refund within 10 days. I look at my account online daily and saw the transaction under pending on Monday June 29th, and it was taken out of my account on Tuesday June 30th. I called them on Tuesday to get an update, and the customer service agent could not tell me what had be done yet to resolve this issue. Just the same standard response of 10 days I will receive a provisional refund.

Active duty military, who applied for a loan through M&T Bank to finance a vehicle. Not only does this company do almost everything important by snail-mail, their customer service is by far the worst I have ever seen. The staff are not knowledgeable, they copy and past responses rather than actually read what you ask of them. (It generally takes around 4 replies to get it through their head what you need from them.) Their company lacks any infrastructure to let you know when important things happen.

First time teller inside asked me not to bring singles, I had $120 so I called management and they called me a liar that they accept singles. So next week I try and tell teller "management said you have to take my money, I need to pay bills". They embarrassed me and said "we don't have to take your singles, don't come back here I told you before", rude and hateful. I had to drive around stores to go back and use the ATM to make the deposit. This bank in Stroudsburg is racist against counting singles because their counter never seems to work. Called again management and asked "if I had $56 in singles, can I deposit in my account?".

M & T authorized an electronic payment of $850 to a BGE electric bill, that my name is not even on!!! This caused me to become overdrawn. I immediately contacted them & advised this transaction was not authorized & asked them to reverse the payment. They refused, then returned all of my real bill payments and added staggering amounts of overdraft fees. I opened a claim, while they took almost a week & a half to "investigate", they CONTINUED to add fees, then after 5 days, added double the fees for "extended overdraft". I received a letter today stating they did not find the transaction to be unauthorized and state all charges are valid. I do not even have an account with BGE! BGE in turn will not help as they say it was processed securely through their website! I have direct deposit with my paycheck & they have kept it all!

I WON A SETTLEMENT FOR OVERDRAFT FEES! I just received a check in the mail for overdraft fees that are unreasonable by M&T. They followed me around for years for fees that they created!!! It blocked MY ability to open new accounts!! They create fees and demand payment! HIGHWAY ROBBERY! I should have made a picture of the check and posted it here! SWEET! JUSTICE! WRITE, COMPLAIN AND DO NOT STOP, THESE BANKS NEED US AND OUR MONEY!

They won't take off unfair overdraft fees and they steal your money. At $38.50 a fee, they have taken hundreds from me and refuse to waive even one of them even though my account was in the positive when it happened. Bank with someone else.

I paid off my auto loan April 17th. After no title or payoff letter after 2 weeks I contacted M&T whom actually instead of paying off my Loan charged me late fees, bounce check fees and interest saying I had funds unavailable and blamed my bank. After hours at the branch investigating it was discover the M&T rep entered my account # incorrectly. Sooo they claimed after me Much argument that they would remove the fees and I paid May 4th again with a certified check (the branch told me they don't want me bringing in 19k cash). They claimed my title would be expedited.

I have banked with M&T for about 7 years now. They have been good for the most part, I have checking and savings accounts with them. I had one overdraft during my time and they waived it because it wasn't a practice of mine to constantly overdraft. I like their ATM's because I can deposit cash. What I don't like is that they don't have mobile deposits for personal accounts. Also, when I deposited a paycheck, it took several days to clear. Furthermore, I have accounts at other banks and I have not been able to find a way to link those accounts to my M&T account for funds transfers. Maybe I missed something here, but I looked pretty hard and did not find a way to pull funds from the other bank to M&T. I trust M&T, I just wish they would get up with the times.

We have been scheduling our mortgage payment through our bank (PNC) for scheduled payment prior to the due date each month. For 3 out of the last 4 months M&T has failed to cash our check in a timely manner and has blamed us for the late payment. They have charged us late fees and refused to remove them (even when we have offered to take a picture of our PNC account information showing the payment was debited from our account in timely manner). We believe they have unethical practices and are just trying to cash payments late or say they "lost" payments in an effort to make more money and collect late fees. They have even gone so far as to have their "mortgage assistance and debt collection" department call me at work. This is beyond unconscionable. I have never been late with a payment and have never had trouble with making online bill payments with any other payee.

M&T continues to deduct automatic payments from my checking account BEFORE the scheduled withdrawal date. If I have $20 scheduled to debit from my account on a Tuesday, they will withdraw the funds on Monday and list the automatic payment as pending. I have another automatic payment that was supposed to be deducted on the 15th; however, they didn't debit the amount from my checking account on the 15th and I used my debit card on the same day which I would not have had enough funds for had they debited my account.

I tried to call the 800 number on the mortgage statement that says call sat/sun but guess what the mortgage dept. doesn't work weekends. I called to reset my password to pay online but that is the mortgage dept. also. I wish Bank of America never sold my loan to these people. They are useless and the nearest branch is 60 miles away from us that real helpful.

I've had my account with M&T since 2012. THE WORST BANK EVER! I've been charged sooo many overdraft fees I could scream! My balance constantly changed, sometimes more than should be there, other times less. My online statements were being rearranged and put into different orders. My account was a nightmare! The last straw was when my card declined in 2014. Someone in Georgia tried to compromise my account. I was given no call or notification of this at all. I called the bank and was then informed. I at this time had overdraft protection on my account. I used the last of my money and put no more money in the account.

For the third time within a 7 month period our mortgage statement has shown a late fee. Twice we have mailed our payment in over 2 weeks early, one of them being sent 3 weeks early and have had them posted late and a late fee added. We've gone to the bank to get a copy of the back and front of the check. The last one that was mailed in on the 9th of the month was not posted until the 24th of the month. M&T Bank told me that they are not responsible for how slow the post office delivers the mail and that they post a payment the day they get it.

My mortgage was transferred to Bayview for no reason at all... In turn Bayview added $13,000 in penalties and back taxes... I have never fallen behind in payments or taxes, and these additions were added illegally. I am now working with an attorney to get this taken care of, but neither Chase, Bayview, or M&T will produce the original documents of transfer from my original mortgage. Chase was the original holder of my loan and when my balloon loan came to an end, they did a re-modification loan. Since then both people at that bank were let go. I plan to sue either Chase or M&T to have this taken off my account and then run as fast as I can from M&T...

I have tried to contact the service number multiple times over the course of a year regarding a foreclosure case. Of all of my interactions with customer service representatives, I never get complete answers or like today, I receive terrible service and get redirected to the attorneys. I asked for a document to confirm the case is closed, because previously the attorneys had asked me to contact M&T because we still receive letters from the county regarding this property. I just felt disrespected when I was asked if I read the letters sent to me most recently, and it was asked in a condescending tone.

I have had an M&T checking account for 8 years. Right now I have a balance in my account of $300 (I deposited my tax refund of $275 yesterday). My M&T credit card is past due, I can't make payments right now. They call constantly, several times per day, at all hours. Total harassment all the time. Lost my job last month. I called today to make some kind of payment arrangement. Was told by the rude woman on the phone that I need to lower my cable bill because she can "see" that I am making a payment today of $258. My cable bill is three months behind. That's why it's so high. I do not pay $258/month for my cable bill. How I spend my money is none of the bank's business. Who the hell do they think they are telling me that I need to lower my cable bill.

We have been customers for years paying a car loan from M&T bank and the payments were automatically drafted out of the bank. We never were late on a payment and relied on M&T to draft them as they normally did for years. We received a phone call wherein they demanded a payment of over 2K. When I asked why, they stated that we were 2 weeks late on our payment. I asked them why they didn't automatically withdraw the payment for about $500 as they have done for years. They stated that the loan had come to mature and the balance was due (about 2K).

My mortgage was sold from Bank of America to M&T Bank and I had nothing but problems! I would make a payment from my BofA bill pay AND send a paper check to see which one would get there first. M&T Bank "opened an investigation" and after calling them four times to see what they have found... no one EVER returned my call. I have had several late fees with them and have never been late on a mortgage payment before this! Needless to say I refinanced with USAA. M&T Bank needs to take some lessons from USAA about customer service and how to treat customers. I will never do business with them again!!

Closed old accounts and reopened new accounts, but never transferred overdraft with the checking account. After 6 months of calling and visiting the bank they finally closed the account and reissued a new one, but will not fix the late payment status and delinquent status they created. The account had an auto payment linked to it from the checking, yet they said it was our fault for not transferring it. They recommended opening all new accounts not us, every time I call them it is at least a 15 minute wait to talk to someone before you get back on hold. What a joke, should I call a lawyer?

My home loan was purchased by M&T mortgage 2+ years ago. Shortly after it was purchased we started receiving phone calls from Bayview Financial requesting we sign a new mortgage agreement which would increase the term of our mortgage. Now for a little over 2 years I have been constantly harassed by Bayview loan services concerning my home mortgage with M&T. M&T transfers my calls directly to Bayview. I have provided proof of payment on numerous occasions showing where none have ever been missed or late.

Made a checking account deposit on a weekend - they were "open for business." However, M & T stated that the deposit would not be credited until Monday - the next "business day." On Monday, M & T still had not credited the deposit because per the bank, "a deposit does not process until the next business day - in this case, Tuesday." However, they had no problem processing checks written against my account on Saturday and Monday - overdrawing the account. They also had no problem charging my account on Saturday and Monday for non-sufficient funds at the tune of $38.50... 6 times!!! "Open for business" apparently means only "business" that favors the bank - not the customer. M & T stands for "manipulators" and "thieves." Avoid this bank at all cost! I am withdrawing all business with these "manipulators" and "thieves" immediately!

Using my bank's bill paysite I sent $5000 to a customer of M&T Bank. M&T confiscated my money and has been holding it now for 3 months claiming to be investigating it for potential fraud. First of all the money is gone from my account so I no longer have use of it and the person I sent it to has never received it. So where could the fraud be? Perhaps the biggest fraud in this process is M&T pretending to be a bank! They have stolen my money and refuse to talk to me because I am not their customer. I want my money back and compensation for lost use!

After reviewing my M&T account online I noticed my account was negative almost $400. Seven charges totaling over $1000 were made to a Shaklee corporation. I was not notified by m&t to notify me of these charges or that my account was overdrawn. I called m&t and spoke with a representative telling me that they would dispute charges and it could take up to 10 day to see money in my account again. Also that they could not issue me a new card till my card was in a positive balance. This is absolutely unfathomable that a person as this being their only way of obtaining money to go 10 days with no source of income and having bills to pay.

I have a mortgage account with M&T Bank. Had a fire back in 6/20/2014 Citizens Insurance company paid a portion of the insurance. Now M&T has only release one part of the insurance. We are the second phase of the claim and they have not release the rest of the fund. Saying that only 25% of the work has been done. We have done All the electrical work, walls, duct and plumbing. They send someone from an insurance company that acts as a mediator who knows nothing about construction. Does not speak English. Knows nothing about the case and takes picture with a cell phone.

In the course of less than two months, this bank extracted over $5100 in overdraft fees that were not necessary. I was in no way notified or aware of any overdrafts as we had other resources to cover any or all non sufficient funds and would have done so immediately. In a complaint to the Better Business Bureau, the response from the bank said we were notified by mail. I did not see one overdraft notice in the mail. They also stated that the signers were called every day. That is a complete falsehood. When I found out about the overdraft, I immediately demanded to see the manager. My first question was “why didn't you call me.” His response was and I quote, “I have over 400 customers, do you think I have time to call when there is an overdraft?" Not even one courtesy call? Yet the response from the bank was that we were called every day. Completely untrue.

Mortgage loan modification in progress with BOA, they sold loan to M&T Bank. Had to restart and submit all new paperwork to M&T. This whole process started back in August of 2013. After months of waiting on information and approval from M&T Bank for a Loan modification, I received a letter, a phone call that I was slated for a 3 month trial period. That has since passed and I was told to continue monthly trial payment amounts until Documents arrived on loan modification.

I too am a victim of Bank of America selling my loan to M&T. From the very beginning to today has been frustrating. My first payment after being converted I was assessed late fees due to a problem with my account on the payment website. By the time I realized what was going on I spoke with a rep and mailed in my payment. Spoke with a rep who just welcomed me to M&T. Now a year later they botched my escrow account. A bank that can't add simple numbers. They charged my account an additional $150 with no notice. And jacked my escrow $50 a month for an $160 a year total shortfall. Just because they can't add... I can. Bye Bye M&T time to go local. 16 years never missed a payment and this is how I am treated.

On December 21st, my debit card and other personal information was used by a hacker, or some other thief to steal $296.42 cents from my checking account. On that day, there were roughly 35-40 authorizations that went through in Kansas City, MO, and Canada for a ton of different stores. M&T stopped and killed the card as I was in the store attempting to purchase Christmas gifts, that's great, I thought M&T was actually on my side when I found out my card was compromised. I filed the dispute, the money was put back into my account, and now, I am finding out that M&T is saying that these charges are valid. The charges originated from KANSAS CITY MO. And I was in BALTIMORE MD attempting to purchase Christmas gifts for my daughter at Arundel Mills Mall.

Our account was sold to M&T Bank from Bank of America. Ever since our account was sold to them we've had nothing but problems...we can make our payments on time and still receive late charges - as of now late fees are about $300 or more. Within the same month of making a payment, we receive a statement requesting another payment. I've requested our loan information that was sold to them from BOA and we never received it, therefore we have no information about our loan. I'm very dissatisfied with M&T's business ethics.

We sold our first house and paid off our mortgage which we had with a local (Fidelity) Bank ten years ago. Stupidly, we were lured in by M & T for the mortgage on our next home. WORST EXPERIENCE. We put down a large downpayment and kept current for years. We ran into trouble due to emergency illness and try to get some accommodation from M & T. They put us through every kind torture before finally refusing any modification to our home loan. They are a terrible bank with lousy customer service. Go with a local bank with trustworthy people who try to help their neighbors.

I was added to my husband’s accounts on 10/20/14 by employee - changed our primary account to our secondary account. We order new cards which one card was taking out of the account which did not have enough money and that should of been attached to our primary but they switched it. When brought to their attention they said it was not their fault and would only refund two of the five fees. To no avail would they give back our money. So I went in, had them take my card off the account that was to be the secondary acct, which was to be used for our MTG and emergency.

I too had my mortgage from Bank of America by M&T bank, just a year ago. It has been a terrible experience. When our mortgage was transferred to them our home owners insurance was paid through our escrow. M&T failed to send our payments. They collected the money, they just never paid. So our insurance was canceled. When we contacted them they said we never provided them with the insurance information. All the information was contained with Bank Of America, they had full access to all of it.

I have had problem after problem with this mortgage company, and this is my second official complaint since they bought out my mortgage from Bank of America. I mail my payment 4 to 5 days prior to the due date. Twice in the past 4 months they have said they did not get it and I was charged a late fee. I called to complain the first time and after dealing with a very rude customer service person, they finally agreed to drop it "one time only" and told me I'd be responsible for a late fee even if there was a hurricane next time. The late fee is almost $50 which is ridiculous.

As administrator of an estate, I decided to open up an account at the local M&T Bank. I was told no fees would be associated with this account so I was not concerned about not receiving statements. Well, to my surprise, I was charged a monthly maintenance fee. When I asked why I wasn't receiving statements, they told me they were being sent to my house and not returned so I must be getting them. I then went to the Post Office and they said if they were sent, they were being delivered.

My mother passed away on September 13, 2014. I had a joint account with M and T Bank with her. The reason being, my mother had Alzheimer's. I was instructed because of the time period during the month of my mother's passing, SS would already of disbursed her monthly deposit. However, when they received notice of her death they would take it back out. This was handled correctly. No deposit in October or November. I met with SS today. They informed me that M and T sent back an additional monthly pay in November for August.

I have a VA loan that was sold two months after I moved into the house to B of A. I had them for one year, had no problems with them but they sold me out to M&T Bank. I have had nothing but problems every month I pay. When they send me a monthly Mortgage statement say for April I pay them that day, two weeks later they send me a bill for May. I pay it for that month it’s for as the statement says and I put on the check that this Check is for the month of May. SO YOU WOULD THINK THEY WOULD APPLY IT TO THAT MONTH.. No, they take it and apply it toward the Principal, if I wanted it to go to principal I would have marked the box and put in the amount. FOR 13 MONTHS I HAVE HAD TO CALL AND TELL THESE PEOPLE- PAY THE MONTH THAT IS ON THE CHECK BUT NO, THEY TAKE IT EVERY TIME AND PUT IT TO THE PRINCIPAL.

This is just the most recent complaint of several bad experiences! The first week in Dec., a day before I was to take a traditional trip to NY, my bank card was denied for lunch!? I called to see why this happened. I was told my card had been compromised in OCTOBER and was cancelled to prevent fraud. Ok first, why not cancel right away? Second, why was I not notified? They told me a new card had been sent in a plain envelope with a letter of explanation back in October. If I received it, obviously, the card had not been activated. Not knowing there was a problem, I wasn't looking for a new card, as I had just received a new card since the previous was very worn. Call me foolish but since I can get alerts for everything, calls and emails about new offers etc., I would assume something like cancelling a card would have the same courtesy.

M&T Bank is the worst piece of ???? I have ever experience. They are unappreciative, doesn't take time to review customer's account, repeatedly give you false information which is called (liars) and they are definitely thieves. They need to be shut down so far that the President don't want to hear that name "M&T BANK".

Had a 30 yr mtg. Paid on it for 16 yrs. Fell behind a few months. Asked if I could put those months behind the 14 months left. Told no. Told I had to modify a new 30 yr mtg starting all over again. I did on 2009. Slipped a few times because of disability and unemployment. Got things under control. 2009, 2010, 2011, 2012, 2013 - I think I'm finally doing good with having mtg caught up at end of 2013 with even paying my $161.00 escrow shortage. Then starting 1/2014, I get out of the blue a 519.00 "recoverable corporate advance fee". I tried calling customer service several times, but no explanation.

Phone representative from M&T online banking department was initially rude and became belligerent when I asked the reason for his rudeness toward me. I was being extremely courteous during my second request to correct my name on my online account. I have never been so rudely treated from any customer service representative from any company during any phone call I have made over the years. He was shouting at me over the phone by the end of the call! I did call back and spoke to a supervisor who said he would document my complaint to which I then realized that the rude individual had not even identified himself when he answered my initial call. I am still in shock several hours later. I will be looking for another bank to refinance my auto loan through. Hopefully a bank who educates their customer service phone representatives that the customer on the other end of the line is the reason that they have a job. Still in shock! After reading other complaints though I am thankful I only have an auto loan through this bank and not a mortgage.

When you call customer service and you are not the person that signed the note even though that person that is on that note asked for you to be listed so you can talk to customer service about the loan , well you might as well hold you hand on your a--! I pay for this loan because my wife lost her job and has been unable to pay the payment and I find if they can take the money from my bank account for the payments then they can discuss the loan with me! I have only asked to confirm that a payment made was applied to late charges was actually applied to the late charges. If you get a chance to get a M&T bank loan, RUN, RUN as FAR AWAY as you can because they SUCK!!!!