M&T Bank Reviews

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!!!!

I went to M&T Bank to apply for an auto loan. They told me the car was too old for collateral. So I tried an unsecured loan that was also denied. My credit score is in the 700s. I don't see what the problem is. But another bank met my needs. I went to close my account with M&T Bank and they could care less about me leaving their bank. Not to mention the woman took so long to get my money I started looking to see where she went. Then the other woman has seen that I was looking at them. Then I could hear them talking the one said I was staring. Service at that location was never good either.

Me having this bank account is a ** nightmare. I would rather leap off a bridge than have an account here. They don't know what they’re doing and their customer service is ** garbage. IF you have or want an online bank account plan on renewing your password every 5 days, have fun with this ** bank.

My mortgage was sold to M&T from Bank of America AFTER finalizing my modification with BOA. I had to end up submitting all the paperwork to them because they claimed BOA didn't give them the paper work for the final modification. They keep sending me threatening foreclosure notices for three months rent when I have already paid them.

I was applying to have my loan modified since I was behind due to being on a leave of absence from work. I was waiting in an appeal since my first claim was denied due to doctor error on my files. I contacted M&T bank numerous times to let them know the situation and they contacted me as well by phone. They told me every time to just let them know when a decision is made. Not once did they ever say my home was in foreclosure. One day, an investor called me about buying my home and renting it back to me so I could stay there. I asked why I would do that, and he said my house was being auctioned the next day!! Not one time did anyone from M&T bank tell me what was going to happen. No letters, no phone calls, absolutely nothing!!! I even spoke to them a week before and no one said anything about an auction to me. I was advised everything was fine! If you are doing a modification, check online to make sure your house isn't on the auction block because they sure as hell won't tell you!!

I deposited a check for $100. I always check my available balance and total balance so I know what checks to write. The $100 check was cleared so I wrote the checks I needed to write. Three days later I go online to check my available balance so I know how much money to deposit to write more checks and apparently the $100 check I deposited was reversed and I was charged 2 overdraft fees totaling $77 because I had insufficient funds in my account. I went ahead and called customer service to explain that it didn't make sense because my available said I had enough money in my account to clear the checks I wrote. I was told that the check didn't clear and there was nothing that they can do and to make matters worse I was told by a supervisor that I should collect the overdraft fees from the person that wrote me the check, now how professional is that? I tried to explain that if it says I have money in my available that means that's money I can spend, it's not my total available. They had no comforting answer for me. I am tired of this bank's nonsense and lack of customer respect so therefore I will no longer bank with M&T bank ever again nor recommend it.

Last year our Mortgage account was sold to M&T Bank Mortgage. The customer service is horrible and they do everything they can to make your payment late. This includes processing your payment late, only accepting online payments on business days, and charging extra fees anyway they can. I never had a late fee until my mortgage was transferred without my knowledge to M&T Bank from Bank of America. It took me 2 months to be able to make a payment cause when I call M&T they would give me the run around. They also have added a high risk insurance premium that I didn't have at my previous lender.

The relationship has ended for this customer with this bank. I have been a client of M&T Bank since 1986. I was covered under their "free checking" because I held over $5,000 in our joint savings account. No more. Seems I'm losing that free checking starting Jan 13, 2015. Sucks when they have to pay out US$2.9 million to check account customers they screwed over.

I have had this acct for almost a year. When I signed up, I specifically checked "No" for overdraft protection. If I don’t have the money in my checking... decline the purchase, period. I recently submitted a fraud claim that overdrew my acct. While investigating M&T refunded the money. Great. After the investigation was concluded, they sided with the other company and reversed the refund which was going to throw my acct into serious overdrafts. Knowing that this would leave me with no money for 2 whole weeks, and figuring they could simply collect once my direct deposit hit, which it does like clockwork every 2 weeks, I transferred the available cash to my savings.

It's now late October. Since late July I have been going back and forth with M&T Bank with paperwork trying to obtain a Mortgage Forbearance. I sent the original requested forms, then I was repeatedly requested to send additional forms. Finally got to the point where they were now going to review my request. On one form I checked a box that wanted to know if I wanted to 'Keep' or 'Sell' the house. As I was in the process of readying the house for Sale, which I explained to my 'point of contact', I chose 'Sell'. It turns out that these terms mean something different to them. "Sell' means Short Sale, not sure what 'Keep' means to them. Now I have been requested to not only resend the form with 'Keep' checked, I have to resend ALL the original forms. I've been around the block enough to know when I'm being 'played'. I've decided to discontinue the process and hope for the best. I thought this info may serve others who are considering this process.

Take my word for it, DO NOT USE this bank if you can avoid it. The women at my local branch and the ones contacted by the 1-800# are rude, unhelpful and don't even treat you like a human being. I've had more than enough reasons to change banks and plan on doing so this week. Should've done it a long time ago. No one should EVER be treated with this degree of disrespect.

No idea where to begin and just not enough time and space with my complaints. Here is briefly what they do. I check my account online every day. My last and final transaction with them I checked my acct. at 2:00 in the afternoon on a Thursday and no pending transactions. I checked again at 1:00 am. and still no pending transactions. I felt comfortable that my direct deposit was going in on Friday morning so it would cover transactions coming in that day. Much to my surprise when I checked my acct. at 6:00am on Friday, there was a bank to bank transaction that said it was posted on Thursday and hence overdrew my acct. and I was charged $38.50 by M&T, which is a ridiculously high fee. I asked them how they can post things to my account, along with a deposit and say it came in the day before. I asked them how come it wasn't showing as pending if it came in on Thursday and when you update the accounts on one day, how can you say an item posted the day before?!

My mortgage was sold to M&T bank by B.A. M&T has the worst and rudest customer service ever. They give you an attitude for asking questions and they act like you're bothering them. I HATE calling customer service cause they are NO HELP...RUDEST service ever. I guess they are fine with treating their customers with bad service, since we are the ones that owes them money.

On many occasions I have sent my payment in with 7 days before it is due. On many occasions I have been given a late fee. In 2 instances the due date was a Saturday or Sunday and the check was processed on the following Monday and I received a late fee. On 3 other occasions during blizzards and shut downs in the winter of 2014, my payment was processed late as well and I received a late fee. When I called to inquire I was informed that I should "plan ahead" and send my payment in earlier.

Because of changed circumstances beyond my control, I fell behind on my mortgage during the mortgage crisis. At first they stated they will send me loan mod paperwork. After waiting a few days nothing. I called again and stated I have not received the paperwork. They stated they sent it out. To make a long story short I never received any loan mod paperwork. They are now threatening me with foreclosure as I'm behind on my mortgage. I receive everything else but no loan mod paperwork. This company have nothing in place to assist struggling homeowners although they receive over 600 million in bailout money. They should be ashamed on how they turn around and treat their customers.

In the past 20 years I have been subject to well over one thousand dollars in overdraft fees. Nearly everyone was a result of my acct showing moneys that weren't there. They do not withdraw money when you use ATM card until there are five charges then they draw them in a chink, when they know their fees can be collected. Granted I should be more aware of my account and bookkeeping, but I'm not. I feel this is devious and deliberate.

Don't even think of opening an account with M&T Bank. The customer service is horrible. In my opinion, this is the worst bank I have ever had to deal with. They freeze your account, close your account, charges annoyingly high fees and they don't even bother to inform you. This is my personal experience, learn from it and stay wise, rather than going through what I have gone through.

Account opened with $35,000. Had it for 3 mos. 3 cds of 5,000, each still had nsf charges. Over 430.00 took my cds. I never spent more than 10,000 yet owed. I believe it's because we had slow credit. They took our money because of our history.

Talk about your bait and switch practices. I applied for a loan modification and was approved. I was told over the phone that my new payments were going to be around $435 a month (from $629). I just had to wait for them to send me the new trial period documents, etc. I got the documents and the loan was just over $500 a month and when I called, they denied that they ever told me $435! Also, on the documents they sent, the box for the PMI (payment mortgage insurance) was NOT checked off, but they added it anyway ($100)!! So after the $435, $500+ and add the PMI of $100, my total savings for the modification is a lousy $25 a month! Gee, thanks... Another person submitted a review saying if there is ever a class action suit, he wants on that. Well, so do I.

Was sold by Bank Of America Aug 2013 to M & T Bank. Terrible communications and zero resolution. I was in the middle of a modification when my account got sold. M & T has done NOTHING but give me the runaround. Anyone know how to get on the buy back list for B of A since their recent court judgement?

Everything has been terrible since my mortgage got sold to M&T by B of A. They unfairly raised our escrow amounts without cause, have no customer service despite their crazy fees, mislead and do a poor job of informing customers of changes (not that we have any choice in the matter nor did we choose to work with this company). I just wish, if I have an option, to give them zero star.

My parents were working with an attorney to have their mortgage go through a modification. The lawyer took the $10,000 they gave him and ran. M&T bank is now not willing to work with them, even though they know about the situation. Worst bank!!!!!!

My Loan was discharged through Bankruptcy Chapter 7 in April 2012, It is even reported & stated on the Equifax - Experian & Trans Union Credit Reports - M&T still sends documents over stating they are going to foreclose - the debt was discharged. Now I am getting letters from lawyers. I just send them copies of the discharge & they blow it off. I don't have money to for an attorney - unless it's done through Legal Aid - pro bono. I live in Fallston Maryland - Harford County.

Everything has been a nightmare since our mortgage got sold to this company. They unfairly raised our escrow amounts without cause, have no customer service despite their crazy fees, and do a poor job of informing customers of changes (not that we have any choice in the matter nor did we choose to work with this company). We were unable to contest the sale of our mortgage to this company and our only recourse we could try was to refinance our mortgage for thousands more to get away from this company. So we sold our house to get away from them and trying to get our account closed and our escrow back has been next to impossible.

I was working with many people from BOA, 3 years to be exact. Akliwa **, etc. send in this form, send in that, we don't have this, blah, blah. They sell my note to M&T. Working with an attorney this time! STILL TAKING TIME, 10 months so far. My home is $150,000 under water. I was denied. My attorney appealed. Now I had to send more papers over. They would hang up when I would pick up my phone and I would have to call my attorney to have his asst. call them back. So far, I have nothing good to say about them.

My mortgage was supposed to be on auto-pay. One month, about a year or 2 into it, they simply didn't deduct the payment from my account. When I called them, it became 'my fault' - I overdrafted, blah, blah, blah. Just plain lies. I tried to physically bring them money - cash, coins, gold, whatever... They wouldn't take a penny. And while they were busy calculating 'penalty' fees, it would stretch into the next payment that they'd refuse to accept. Bottom line is, they caused the automatic payment not to be withdrawn. Someone there logged in and used their codes... most likely someone taking orders from my husband's ex-wife... who just so happens to be a VP loan officer there - coincidence? I think not...

My car payment is due the 18th of the month and I have a grace period until the 28th of the month. If I pay this payment after the 18th of the month, they start calling me and leaving messages for this payment even though I am still in my grace period. They have even called my work. To me if the payment is not considered late until after the 28th, why are you calling? Isn't this why you give a grace period before you are charged a late fee? I didn't even give them my daughter's phone number. They looked it up and called it themselves and decided ok we must be related. Again I am still in my grace period and they pulling this crap. I could see if I was after the 28th of the month or even 30 days beyond but not even late and they are calling me. This bank is crap. I will never do any business with them ever again.

Hey guys as I'm writing this to you I'm so angry about what M&T bank did to me and my wife. In a week they charged us 92 just fees. And when I call them and try to explain to them the lady hung up on me because she couldn't give me a good reason and he blame it all on me. Please guys I don't want what happened to me to happen to you, be very careful with M&T bank and if you do have an account follow your money penny by penny because they will get you and try to steal your money - the money you worked for all week long. And if you don't have an account with them please don't you dare try to open one with them. There are a lot of banks that can satisfy you with their customer service. Thanks.

This outfit bought my mortgage in Aug. 2013 from B of A. And my experience with them has been a train wreck ever since. Everything from unreachable "customer service" to not crediting payments. (I've been sitting on hold for the past 45 minutes with their phantom "customer service" agents" as I'm typing this). When they first bought the mortgage, M&T simply refused to send me statements or anything indicating they'd credited the payments I'd made for nearly 3 months. It took me calling multiple times and ultimately filing a complaint with the FDIC to get their attention.

M&T Bank has tried to double dip in my account on many occasions but caught them in the act. They will take out twice for same thing but only show one time on statements. Better watch your accounts closely. They will try it on anyone.

Since M&T bought my loan from Bank of America two years ago, my life has been a nightmare.. It is hard to believe a bank can get away with such business practices. What they do is most certainly unethical, and I suspect it is also illegal. Here is a list of thing I have experience with M&T:

M&T has a non-hearing, no humanity problem. While it exists to make profits, account numbers do have a human being attached to them. If you have a mortgage with this bank and get behind for legitimate reasons as I did, lost of job and health reasons, expect to be quickly buried with extraordinary fees, hung up on and LIED TO. Expect foreclose your property - it is not a LOSS to M&T (a blatant myth), it is PROFIT for M&T!

Starting a couple of years ago, M&T started to screw around with our escrow account. They were saying that we were not paying enough, and jacking it up even though insurance and property taxes were not increasing. So we paid.

Like many others we were sold to M&T by BOA. The same month we transfer was the month we started our trial period for a loan modification, Aug 2013. We've made all our payments on time and after months of calling and checking to get update on the status of the modification, we finally received a packet April 12, 2014 for a Partial Claim. A Partial Claim that they put together for us for a ridiculous amount of $49,442.50, stating that it's for 15 months of missed payment. Our monthly payment (principal, interest, taxes, and ins. together) when default was $1,403.42. They wanted the packet signed, notarized, and return within a week's time.

I too have an account with M&T for my mortgage (sold to by BofA). Trying to stop their ever increasing escrow amounts added to my account. They said I had a "shortage" and they hadn't transferred my homestead exemption - so my escrow amounts were too high. Faxed cancellation of my escrow account and was told it would take 10 bus. days - after 10 bus. days, they are now saying 24 bus. days. I looked up my state tax code. According to my state, they cannot take out any more than is due as estimated from your previous year (varies from state to state - check your tax laws).

After reading all of the complaints about M&T and it looks as though, the same as me, trouble has come from Bank of America sold a lot of accounts to M&T. So many of the same problems others have had, I also had. From taking almost a year to get "denied" a short sale, every time I would call I would get different answers and advice, having to submit paperwork several times, not being able to get through to my "dedicated homeowner assistance specialist", and the list goes on and on. The only time I ever got anyone to respond was if I sent a customer feedback email - complaining. I would NEVER choose this bank and would like anyone who reads this to file a complaint with the Better Business Bureau, use social media to express your feelings, and let M&T know how you feel by sending a message on their website.

I lost my job and sought help from M&T, as I was no longer able to pay my mortgage. For over two years, I was denied a traditional short sale on my property and any other means to lower my mortgage. HomeFreeUSA tried to help but said these were the most unaccommodating people they ever tried to work with. I had to file for a Chapter 13 bankruptcy. My attorney appealed to them to readjust their financing my mortgage, at least. They did... by $57. I am stuck with virtually no money and a home they still deny me from selling. If a class action suit is filed against this company, I want my name at or near the top.

M&T Bank has twice sent me letters since buying my Mortgage from Shore Mortgage stating my Hazard Insurance had not been kept up to date. Even though I verified all of this information with them on Feb.13, 2014 and they paid my insurance carrier, I received another letter today stating that my Hazard Insurance had lapsed and they were forced to purchase the insurance for me in the amount of $1,411 annually when I had been paying $489 annually. I believe this has been attempt to defraud me of monies they are not owed. I have made a complaint to the FBI about this, and as I cannot contact M&T Bank on a Saturday, I will have to wait until Monday to call them and attempt to clear this up once again. They initially claimed they had attempted to contact my Insurance provider on multiple occasions, however this was denied by my Insurance Agent. I believe they have attempted to defraud me and possibly many other home owners. I have seen other postings about this company and they need to be investigated.

My loan was transferred from Shore Mortgage to M&T Bank back in March 2013. Three months later and M&T Bank informed me that they would have to increase my mortgage payment 50.00 extra every month since my previous lender did not charge me enough for my PMI insurance. On August 2014, they increased my payments an extra 50.00 a month claiming that I was experiencing an escrow shortage. I made all the necessary payments as requested to restore the money in my escrow. On January 2014, they increased my mortgage payment an additional 100.00/mo claiming I was experiencing another shortage. Surprisingly, I found out that I was being overcharged for taxes.

I paid my flood insurance policy in advance. My flood insurance policy holder informed M&T. I informed M&T by letter and receipts sent stating that my policy was paid in advance and in full until 2015. M&T in spite of acknowledging to me verbally, and by letter that they were aware of this, just overdrew my escrow account and raided my mortgage payment, by paying money which I, as already stated, paid in advance. I too was transferred by Bank Of America with no prior advance notice. I am absolutely livid by M&T's ineptness. If there is a class action lawsuit, count me in!

I have had problems with this bank from day one. I had completed an adjustment on my mortgage, with Bank of America, and they have not accepted it. My payments have been held in an account but not applied to my loan. They will not apply anything I pay them until this adjustment is closed but It was closed before they bought my Loan from BOA. I have had many unfortunate notifications from them saying I have not made any payments on my home. SO many things I cannot begin to list them. I have contacted a Lawyer at this point I am wondering if anyone else would like to look into some kind of Class action against them?

This bank is the worst bank! My mortgage was sold to this bank from BOA and they did me dirty. They paid my taxes after I had already paid them and then opened up an escrow account. I sent them correspondence that I did pay my taxes but they did not care. They would not take any form of additional payment unless I paid the very high amount that they added in top of my mortgage. Horrible customer service as well!

I'm concerned that some sort of fraud may be occurring... M&T purchased my mortgage from Bank of America. Around Dec of 2012, I refinanced to a lower interest rate. At the time, the closing had to occur 4 separate times, due to M&T making error after error on the closing documents. Once signed the bank would respond that something was wrong, had to repeat process ... total of 4 times.

On March 2013 Bank of America sold our mortgage, to this M&T Bank and it has been a nightmare. We got a fixed, mortgage rate but as soon as they bought it the payments were going up every month. First, they said that there was a shortage on our escrow balance and they had to add the balance to our payments every month. I explain to them that if they take the money out of my bank every month, how could there be a shortage and a balance owed, but they said it was that Bank of America was not taking enough money out. Well how is that our fault? The point is you never win with this people, I had to take money from my credit card to pay $900.00 we were supposed to owe them. Now I have another credit card bill to pay and the payments are still too high, my question is.... is this legal?

These idiots took over my Mortgage from BofA, I had a weekly payment plan that accelerated my payoff date basically saving me 9 YEARS, these idiots refuse to take weekly payments, at first refused but later agreed to take Bi-Weekly payments but refused to send me an Amortization Schedule showing my payment plan. I finally logged on and BEHOLD, these thieves are taking my split payments and combining them as ONE!!! Basically nullifying my Bi-Weekly plan! CROOKED THIEVING **!!!

Not 1 but 3 complaints! I only had an account for about 2 months. And in that short time it makes no sense how much stress I went through with this bank. First there was a duplicate charge that came out of my account that they could clearly see that it was duplicate and took almost a week to refund me my money. They could care less that I had no money left in my account to feed my children. Second I misplaced my debit card and they told me I would receive another in 3 weeks. Instead I decided to close my account and the bank teller caught an attitude with me because I wanted to close the account.

I have had the exact same experience as many of you. My account was transferred to M&T from BOA after 8 months of not making payments in August 2013. I decided to try and pursue a short sale, but something that should have taken a short amount of time has dragged on for months!!! I submitted my paperwork to them in October 2013 and didn't get a response from them until January 2, 2014. The initial response was about a loan modification which I was not even interested in and had mentioned to them repeatedly! They then made me wait 30 days so now it's Feb 2, four months after I started this whole thing and no closer to a short sale. They then advised me that I would have to resubmit ALL my paperwork over again because it's 90 days old!!!

My mortgage was sold to M&T Bank from BOA last year. At the time, we had just entered into a trial modification agreement with BOA through the making home affordable program (interesting timing, huh?). I was very nervous that now that agreement would be null in void but M&T accepted those payment terms and everything was fine... but I keep getting statements showing my account being almost a year behind and when I express concerns to their customer service they say to ignore it... I keep asking what's going on with my permanent modification? I started the whole process with BOA in March of 2013 and it's still not finished. I keep getting the same story, "We're working on it... it's being processed... just be patient" so I keep making my temporary mod payments and then I get not 1 but 2 letters in the mail saying "We haven't heard from you... so we're sending your mortgage to foreclosure." WHAT???

My mortgage was transferred from Bank of America to M&T Bank in August 2013. I have half my mortgage payment deducted from my bank account bi-weekly through Equity Accelerator. I have never had any problems until M&T Bank came into the picture. Now they say they are not getting payments and I got a letter in the mail Saturday threatening me with foreclosure if another payment is "missed." Equity Accelerator is having to convert my payment since M&T will not accept an electronic payment. This has been a nightmare! Too bad the customer has no say in who the mortgage gets transferred to.

I agree with other customers' very valid complaints - incompetence comes to mind. I was actually told by one of their LOSS MITIGATION reps that M&T obtained the loans from BofA and did not hire enough people to handle all of their "new" customers. Basically they stall and stall. You have to call 2-3 times per week, but you speak to a different person each time and get different answers every time. As if you are not already sick to your stomach because your home has lost 20% of its purchase value and you are sinking in debt. I will NEVER do business with M&T again... EVER. Poorest customer service at a time when you need competent truthful advice. The BANKING System created the mess and they propped up real estate values due to high demand, and then they were bailed out... Now you are falling off the edge... and there's no lifeline. If there is a class action suit, we are in!

I am currently facing foreclosure by M&T Bank. I made the mistake of refinancing with M&T to pay off debt accrued when my partner left me after 32 years. The mortgage payment was at least 90% of my monthly take home pay. Instead of declaring bankruptcy at the time, I took out the loan instead. I struggled to make payments but obviously was over my head. I live in an area where employment opportunities are scarce and have been unable to secure a better paying job. My ex made 6 figures and I was left with an income of $35,000 a year.

Since our mortgage was transferred from Bank of America to M&T back in August 2013, we have been going through a nightmare... None of their paperwork has made any sense and their customer service just seems as if they are trying to extort money from us... a different story every time we call. Anyone know of a way we can have someone else service our mortgage or a way to get rid of M&T Bank from servicing out loan? I don't trust M&T Bank, seems their only interest is to extort money from honest families.

Our mortgage was sold by BoA in August to M&T and it's been a mess ever since. Every single month since the sale, we've been told either we are late or we owe them more money. They took out a payment and three days later took out ANOTHER payment! Every time I've tried to talk to them, it seems the problems have been solved. It's always the same. We come to an understanding on the phone. I repeat back to them what they've told me and they confirm it. The next month things are screwed up again. I had my other banker look at my statements from M&T and he couldn't ever figure them out!!! My next step is to get a transcript of all the calls I've made. They say the conversations are recorded. I will also investigate into a possible class action lawsuit. If anyone has started the class action, please let me know via this site.

My husband was laid off and my employment was transferred 3,000 miles away. We had no choice but to short sale our home which was $60k+ underwater because of our lovely economy. I called M&T Bank proactively to let them know my situation. I inquired about a short sale and they sent me out the paperwork... eventually after several follow-up calls. I completed every document in a timely manner and submitted as directed. This bank has ZERO communication. I didn't receive any indication my paperwork was received. Every time I called to follow-up I was advised that paperwork... that I was NEVER asked for was missing or they had no idea what the status was. I BEGGED to have a mitigation specialist or one point of contact assigned to my account. I was ignored.

This bank has the worst customer service. I needed to show them recorded documents showing that I no longer own the house and the mortgage has been released. First of all, they claim they do not have email to send any information and that I need to fax or mail anything to them (which I have done twice already). This is simple documentation that they could obtain by doing a simple county records search, but they refused to do that. I have to go out of my way, pay for a stamp and mail them the information they could get in a few clicks online. I do not feel like they have any type of customer service skills at all. And seriously, what kind of bank has no email, really??? I will never deal with this bank in the future!

I was hopeful that the new bank would be pleasant and cooperative. I was very disappointed that my mortgage was sold as there were unresolved issues with BoA. Well, they told me they purchased 25,000 mortgages from Bank of America this past summer and it is not their fault if they can't keep up. They violated a court order in my case and I am going to seek a ruling against them. Even Bank of America is telling them they are wrong about my account! They should NOT be in the mortgage business. Find out who regulates them, and send a copy of your documentation to them. If you are in Bankruptcy, tell your attorney and get the US Attorney involved if you believe their behavior is a deliberate and willful attempt to avoid complying with a court order. I am taking all of the above steps. I am current in my mortgage and I have to spend my time and money proving it. I will be seeking attorney's fees. I suggest people contact a HUD counselor, Legal Assistance attorney, US Attorney, state Attorney General and other offices tasked to monitor the behavior of mortgage companies that was supposed to have STOPPED. It has not, and this company is putting people through the wringer.

This is the worst bank I have ever dealt with in my 48 years. First off I didn't want to deal with this bank - I had bank of America that sold my account with them. It has been trouble ever since. All they do is steal my money and turn around and say I am late and I owe more. Not to mention that the customer service is a joke. They put you on hold 7 times in a phone call and are as rude as can be. I will be looking into a lawyer and I hope that anyone of you that are having problem with these criminals do the same.

I was told one thing and they did another. Because of this company my payment was over 30 days late and they did not correct it.

Our mortgage was sold by Bank of America to M&T Bank in August. It has been nothing short of a nightmare since. We submitted paperwork to have our payment drafted 2 times a month (splitting the payment in half) like we always did with Bank of America. It is November and they still haven't got it right. I was getting calls that we didn't pay when 1) we submitted the draft paperwork and, 2) my husband spoke to someone who said everything was corrected and the draft should go out as agreed. Now instead of drafting twice a month as agreed, they are drafting the entire amount. Since the agreement for the drafts to take place, my husband has called numerous times and is unable to get anyone to return his calls and is unable to get anyone on the phone. Our payment also went up and we are not sure why. I've never had such poor customer service from a mortgage company before. It has caused extra stress in our lives and an extreme amount of frustration. This bank needs to be investigated for poor practices. They are taking advantage of their customers and are not being forthright with information.

In August, Bank of America sold my mortgage to M&T Bank. My payment went up when it was transferred and I wasn't sure why. I called this bank several times for information about my account. I have been transferred to many representatives trying to resolve issues. Messages have been left, but none of them have been returned. When speaking with representatives, they do not know what they are talking about. Recently, I was notified that I missed my October payment, and again I contacted M&T to see what was happening. The letter also indicated that they notified the Credit Bureaus. The payment was withdrawn from my bank in Texas and sure enough M&T notified the credit bureaus.

My Mortgage was purchased by this bank, without consulting me and they suck! They did an "Escrow Analysis" and jacked my mortgage up by nearing $100 a month, because they require a cushion. I get a refund from my escrow account, every single year, as it is and they want to charge me MORE! Of course they promise to refund it next year, if they don't use it. In the meantime, I am screwed, every month, for the next year. Their customer service operators are clueless. I was put on hold, 5 times, so that he could apparently ask someone else each one of my questions. This bank is a joke!

I was forced to do business with this horrible bank when my loan was transferred to M&T from Bank of America. I was current on my loan, but was on a tied budget, so I asked for a loan modification. M&T then told me an "agent" would work on a loan modification (It was a lie). Usually Banks who want foreclosure properties advise customers seeking loan modifications, to stop the payments, so they can take your house, sell it, or they can charge thousands of dollars in foreclosure costs.

M and T is a horrible bank and not a bank for poor people. They price gouge customers with their fees. I can never get ahead with this bank because of the overdraft fees. If you overdraft, you get overdraft fees and if you don't get paid weekly, you get another fee (to be frank 5 days after the first overdraft). I don't know how M and T can continue to do this to customers. One day when I don't have to worry about every penny, I will not bank with M and T. M and T Bank partnered with a community partner to provide people with security deposits in which they would have to pay back. This is the only reason I wanted to expand my business with them. I thought, Wow, what a good company to help people when they need the help. I was wrong. I struggle with being grateful and disgusted with the same company. After my direct deposit comes through, I'm through banking with this company and once I pay off my security deposit loan, I won't look back.

They received my payment on the 18th of Aug. and charged me a $40 late fee when it wasn't late till the 20th. The reason being is that it was after 2 pm that the mail was opened. How is that even legal? Right in their letter, they say they received the check on the 18th. If I could find a few more people and a lawyer, I think we have an easy class action lawsuit...

Recently M&T Bank debited my account twice and has done nothing to resolve the issues anyone else.

Recently, my mortgage from Bank of America was sold to M&T Bank. I set up automatic biweekly of half payment for my mortgage to come out my account. M&T Bank took entire payment which cause my account to be overdraft in the amount of 200.00. The employees at M&T Bank was unprofessional, rude, and uneducated in the banking field. They were very nonchalant about resolving overdrawn account and refunding my half of mortgage. To this day my account still remains in negative eight hundred dollars. I'm seeking legal action for my money and for pain suffering. Looking to see do anyone else would like to start law class action suit against M&T Bank. They need to be out business ASAP.

As others point out, M&T Bank wants $10 for M&T Bank out of the proceeds of each cashed check. In other words, if you hire a babysitter, write them a check for $20, M&T wants $10, and the babysitter gets half. Therefore, checks written on M&T are not suitable to be presented at M&T Bank. They suggest anyone with a check written on M&T not visit their bank, but instead see if some other bank will give the cash, then have this other bank negotiate with M&T to see if M&T will pay. The policy is, at a minimum, rude. The effect of this policy is that M&T makes enemies of potential customers, and will not serve them.

My mortgage was sold to M&T Bank in July of 2013. I have never seen a bank that makes it so difficult to make a payment. It seems they make it difficult to raise more late fees and interest. You can't pay on their website unless you open a checking account with them. It seems you can only pay your mortgage from their account. So now you have to transfer money from the checking account you actually use to a checking account to just to pay your mortgage. If you go back in time and decide to mail a check, Good luck. This gives them every opportunity to say they did not get the check in time to not charge a fee and add on interest charges. I finally took advantage of the online bill pay service that my bank offers to send a mortgage payment. My bank removes the funds from my account and transfers the payment to M&T directly. My bank informs me they will receive the payment in one business day. I hope using this service from Chase Bank keeps from having to have anything to do with M&T Bank.

Bank of America sold my loan to M&T bank. My payment was due on August 1st. M&T bank did not submit a statement until August 19th, which I received on August 27th. I have tried every day to make contact with this company to pay my bill or set up an account online. Every day it is something different; after hours (yes, for online registration and for automated phone service), I have yet to get a person on the phone, technical difficulties with automated phone and online registration.

My home loan was transferred from Bank of America (which was fabulous) to M&T and now I have to sit on hold forever (45 minutes) to be told I need to speak with someone else and get transferred to be on hold again. The agents seem nice enough and willing to help once you finally get through to them. I can’t set up payment online because apparently the website I have for them is only for people who have bank accounts there, I don’t and wont! I just want to pay my mortgage! I called for help getting the online payments set up and even though they are open 8-11 M-Sat they were closed. I assumed they were open 8am-11 pm...Perhaps they are the only business on earth that can function with be open 3 whole hours a day? Ridiculous company! And if you want to pay on the phone you have to do that through Western Union. Thanks but no. GRRRRR!

My Mortgage Loan was transferred to M & T Bank for August 2013. I am already not happy with the service they are providing. Your Welcome Package gives a number to call that is no longer in service, a web address that doesn't exist, and once you finally locate a number to call, you are told to call a different number. Call another number and sit on hold for over an hour to speak to someone to try to resolve the issues and questions to begin with. I give up and hung up. As of right now, I do not believe I am going to enjoy doing business with them!

I went to M&T to cash a check. To my surprise, they charge you. It's hard to believe that in this day and age, a bank would be that dirty. How do you charge people to honor your own check. A hefty $10 fee for not having an account . I am a contractor. Let's just say they have just put their clients in a bad position trying to get work done from me and anyone I know. I cash checks at my customers banks for the simple reason, if it bounces I don't have to pay the fees. From this day on, all M&T customers will have to pay cash. If you bank with M&T, do me a favor. Call someone else or have cash on hand.

My loan has been paid off since May2013 and I STILL have not even received an answer as to why my money is being held. Today is 09AUG2013. I have called numerous times, been promised communications and have yet to receive ANYTHING. I am totally disgusted with the lack of service and need my issue tended too TODAY!!!!! Seriously disgruntled.