M&T Bank Reviews

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.

I client of mine paid me a $60.00 check, so I went to cash it. The teller asked me if I have an account with M&T Bank. I said no, I don't have one. He replied by saying it's a $10.00 charge for this check. I never heard anything like that in any other bank. Is this legal to do? Their slogan says "understanding what's important." I think they mean Understanding that is important to rip off people.. Thanks.

I had several loans with Wilm. Trust and was forced in the takeover to M&T. It has not been a smooth journey. Amid a divorce and loss of a job, I fell behind. Once I was able to catch up my primary mortgage, I began to take on my other debts. The collectors are rude, and I feel I was being racially profiled against by certain workers. How do you prove that? The last person I spoke with in the recovery department told me to pay my bills, and what did my job pay for. He also told me M&T could save trees rather than send me bills, and that it was highly unlikely that the bank would try to work with me on a repayment plan.

With the HARP program I decided to refi my home at a lower interest rate. My mortgage was sold to M&T a couple of years ago. I logically started the refi inquiry with them. What a huge mistake. The conversation with them went fairly smooth, answered my detailed questions on points, closing costs, PMI, rate, loan terms, penalties, etc. to my satisfaction. I chose to proceed. I received the loan application, faith in lending statement, and other forms. I was shocked to find that all I had been told was either an outright lie or a gross misstatement of the truth.

M&T Bank acquired my mortgage from US Bank approximately 2 years ago. Sometime before the first of this year, my property insurance company (Farmer's Insurance) accidentally issued a cancellation on my property insurance. When they reinstated the policy, they reinstated it primarily under my spouse's name. Even though they had confirmation of insurance, M&T Bank took it upon themselves to charge me for 2 years of homeowner's insurance. I contacted my insurance company, who has had to contact M&T Bank weekly via faxes and phone calls in order to prove that I have had insurance on my home since 1998.

The whole story is very long, but when we did a consolidation loan with M&T, a bank we had been with for over 25 years, it turned into a nightmare. Among the things they did: talked us into a larger loan by saying we couldn't have our other lower interest loans on the house, way over appraised our home, then sent someone to trespass to try to back it up. They altered the commitment letter and falsely represented it to us. They strong armed us after the loan had closed to make us change the title from just my name to my husband's also. It was my house before marriage, and my husband is disabled so we would never have agreed to it, but they made us believe they would call in the loan. I ended up so sick from stress. I ended up closing my business of 30 years and had to move.

My family and I had retained this box for over 25 years. In May 2011, this branch moved to a new building right next door. In the months before this move, I twice attempted to gain access to my box. Both times, I signed into the bank's log and waited, only to be told on the 1st visit, that it was not a safe deposit box day, and the second time that the bank rep in charge of the boxes was out sick. Not once was I informed that the bank was relocating. I returned to the bank in May 2011, which was now located next door. I was informed that my box was sent to Buffalo NY, because the old boxes did not fit in the new building. Miss ** stated that she would fill out a requisition form to have the box returned.

On Feb. 6, 2013, I made a deposit consisting of part cash and part check at the M&T ATM at Cherryvale in Reisterstown, MD. Six days later, I noticed all these insufficient funds charges on my account. I checked and saw that the deposit I made at the ATM, for which I have a receipt, was never credited to my account. I called M&T and was told that ATM at Cherryvale is owned by a private vendor and they have problems with it all the time, and that I should not use it. Gee, it does not say out of order. They agreed to issue me a provisional credit and refund the insufficient funds fees. I faxed them my receipt from the ATM and the check number of the check that I deposited. By the way, the check was written on an M&T bill pay account and came from the bill payment processing center. I thought they should be able to track the check with the check number.

I took out a car loan for my Jeep and was persuaded to take the longer term in this tough economical market and if financially able, I can make additional payments to principal to pay off the loan quicker without the pressure. Fine, I was sold. Made sense! Well their customer service is horrible. I don't know who trained them and to have such unhelpful and rude people represent the company, this is a sad thought. So I have been making additional principal payments of $500 monthly to be charged interest on top of the scheduled monthly payments I already made on time! They just keep going in circles about it being a simple interest loan and the payments are the same monthly. Yeah, I know that!

I had recently moved. I called and gave you my new address. My card was returned and I was told in the beginning of the month that a new card was sent on Jan. 27. I was in Arcade, NY and they told me no new card was sent, so they ordered me a new one. I was told first it was going to be Jan. 3, then Jan. 4. I called and not only was treated like a jerk by Andy, I asked to speak to Jessica and she was worse. My account is linked to my bills, which will be due soon. Without my card, they will be late. I never complain, but if this is how a customer is treated, I tend to want to go elsewhere. Thank you for your attention.

I had a 10-year loan on a recreational trailer. My credit was perfect, paid on time for 7 years, sometimes paying more than what was due. I lost job in 2009. The loan is due on the 12th and harassing calls on the 13th and every day after. I received letters stating I owed double the amount because they wanted the payment for the month in advance that was not due for 29 days yet. Very frustrated. I cannot pay online unless you open a bank account. My mailing address was wrong after several attempts to fix it. I was never told they were tacking on $20.00 each time I paid by phone. If you pay in the branch, it takes several days to clear and the harassment continues, they show it unpaid.

Our employer uses M&T Bank for his payroll. For six plus years, I have been cashing my payroll check at the local M&T branch. We are in the small town of Denton, MD where everyone knows everyone. I enjoy seeing and talking to a couple of the tellers there on Fridays. There are a few employees there that aren't as friendly and seem to try their best to alienate you. Maybe they don't like their jobs. We have three managers at our company, and it is hard for the other two to get out to cash their paychecks. About twice a month, they ask me to cash their paycheck, which has never been a problem with M&T.

M&T Bank of Harrington, DE recommended a woman to me for our business named **. She is supposedly a Senior Account Executor for the Bank. They had her come into our store to sell us credit card processing machines. She wrote all the fees on a piece of paper in front of us that we would be charged for our credit card machine for a period of four year contact. We accepted the offer assuming she was an honest person. We signed the contract not reading it since we have always worked on honesty.

It took six months to refinance with M&T. The most serious incompetence seems to have been at the loan officer level, the first person who took my application. Everyone "claims" it took so long because I live in a condo. I provided everything needed pronto and they kept asking for more things, some of which I'd already provided. Then, they wanted info concerning the umbrella organization over my condo assn. The requests for information just kept coming. The umbrella organization said no bank has ever requested this kind of thing. There were a lot of firsts here.

After becoming disabled a few years ago, I fell behind on my boat loan payments. Once I was 2 months behind, they sent a repossession agent to my residence to attempt to take the boat. I had to make 2 payments that day and they backed off! Then still if I was one day late with my payments, they'd begin calling immediately! With the help of the Better Business Bureau, I was finally successful in stopping their reminder calls. Yesterday, I sold the boat and went to an M&T branch with the new buyer and was told by a phone representative that I had to ask a "branch" to eliminate at least some of the $536 in late fees. When I went in, I was told that they cannot make those decisions at the branch level. So, I paid them in total. I will never use M&T again. I say, "Raise the red flag," which their TV commercials say "Raise the green flag!"

M&T Bank says it made a mistake, and I pay! Our SBA Lender Relations Specialist encouraged me to file complaints after reviewing our case. My company, Ryan & Co., Inc., has an SBA 7(a) loan (line of credit) with M&T Bank (Manufacturers and Traders Trust Co.). Following the SBA’s recommendation, I contacted Mr. **, Regional Manager of M&T Bank, and my business consultant, ** of the District of Columbia Small Business Development Center (DCSBDC), and I met with Mr. ** at his office on May 18. We have been in discussions since then, but our discussions ended on June 20 with no resolution for obtaining the balance of the $180,000 we applied for as a start up loan in our detailed business plan as submitted to M&T Bank in November 2011.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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