Complaints
This profile includes complaints for M&T Bank's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 729 total complaints in the last 3 years.
- 254 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:07/08/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The last Sunday In I went to a M&T bank and deposited approximately 3000 dollars. It was around 12:30. It took my money never deposited it and I haven’t heard from the company I have went during business days and called repeatedly and still nothing. I received nothing in writing and I would like to stop using the bank because of that but I don’t want them not to return my money. I feel like they are try to keep it and the atm I used had cameras that they could clearly see! I would like someone to reach out and I also would like my money back! I think it’s poor customer service for me the client who has been with them for years!
Business Response
Date: 07/17/2023
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Initial Complaint
Date:07/07/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I
HAD A CAR LOAN WITH M&T BANK, I PAID MY LOAN OFF IN JANUARY 2023, I HAVE NOT RECIEVED MY TITLE. AFTER NUMEROUS PHONE CALLS TO THIER CUSTOMER SERVICE, THEY CLAIMED THEY DON'T KNOW WERE IT IS AND IT WAS MY PROBLEM TO GET IT.Business Response
Date: 07/14/2023
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Initial Complaint
Date:07/06/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I met up with a guy that i met online he stole my business savings account debit card he went to the bank atm and post office several times and withdrew roughly $9,000. i immediately called the bank froze the account, got a new account and started the dispute . the bank can see him on their ATM cameras With my card (without me being there) withdrawing writhin a 24hr period. i don’t understand how the bank did not send me a fraud or security alert. i did everything i needed to do i did everything they asked me to do and they are still not giving me back my money this happened almost a month ago . i would like your help in getting back my money. i keep my account over 10k every month i am a good customer and i never been in a fraud situation. i just want my money back. please helpBusiness Response
Date: 07/17/2023
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Customer Answer
Date: 07/18/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. i have nothing to d with the fraud that was done to my account my money is supposed to be safe and ensured with m and t bank now they are stealing from me too . i have NOTHING i’ve been saving my money with them for 3 years and i’ve never been in any situation like this they did not even alert me or lock my cars when the person was stealing out of my account . I NEED MY MONEY BACK!
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
******* ******Initial Complaint
Date:07/06/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am a former ******** ****** customer. They were bought by M&T bank and the promise was " the service and baking will be the same". Well I have contacted them several times about their debuting practices. With ********, there was a time of day that all debits were reconciled by. With M&T, I can check my account at 11pm and be in good standing and wake up at 6am to fees and overdrafts. Not everything shows as pending. I have contacted them several times and they say that there is nothing they can do. Also, they restrict you from transferring monies from 1030pm-6am. So If I do notice a debit late at night, there's nothing I can do about it. There suggesttion is to pay for over draft service to transfer from my savings.... that's my money. I am.very unhappy with their corporate feel and miss the personal service of ********.Business Response
Date: 07/19/2023
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Initial Complaint
Date:07/05/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Dear M&T Bank. I am a Federal Government Employee, and a Veteran, who like every other government employee receives their biweekly paychecks via direct deposits. I have been a faithful member of M&T Bank just under 10 years now. And have been faithfully entrusting M&T Bank to accept and deposit my Government Direct Deposits which are issued by the U.S. Department of the Treasury. On June 29, 2023 M&T Bank failed to deposit my biweekly Government Paycheck. I contacted M&T Bank both by visiting their branch located at **** Grant Ave, Manassas VA, and I also Called their 1-800 number and spoke to Customer Service Representative. Both gave me conflicting information. The Local Branch Representative informed me he could not see any pending/incoming deposits. The Customer Service Representative I spoke to on the phone stated the opposite that they could see the pending deposit and that it will be deposited July 3, 2023. But M&T Bank has still failed to deposited my biweekly US. Government direct deposit. The funds should have been automatically deposited on June 29, 2023. There is no reason for this delay. M&T Bank then tried to get me to do their work for them by asking me to go back to the U.S Government Employer Parole and beg them to give me a second paycheck for the same pay period. All because M&T Bank didn't want to give me my money that had already been submitted to them by the U.S Department of the Treasury on my behalf. The resolution I am seeking is for M&T Bank to provide me with my most recent biweekly paycheck, that money does not belong to them. I am a hard working American Veteran who just wants to serve his country and get compensated for the job he has already done. Is this to much for a customer to ask of a financial institution? M&T Bank as a loyal customer of almost 10 years, I ask you to deposit my government pay check so I can pay my bills, my mortgage, and provide for my family. This small gesture by you has a major impact on me and my family.Business Response
Date: 07/11/2023
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Customer Answer
Date: 07/17/2023
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
***** ******
Initial Complaint
Date:07/04/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
M&T Bank suddenly changed their transactions for deducting money out of my account. They are taking money out at Midnight for the day prior and not giving an acceptable amount of time for you to put money in the bank. so even if you put money in the bank from the date your notified you still get charged and overdraft fee. you can see from the attachment the notified me the next day of a transaction for the 26th. which the charged me a fee for. this is one of many and they have been doing it for my husband too.Business Response
Date: 07/10/2023
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Customer Answer
Date: 07/16/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
In this matter its not just about the overdraft fees. I have been banking with Peoples bank for many years and since it transferred over to M&T things seemed to be running the same with some minor exceptions. The company (M&T) advised me on a recorded line that I have until the end of the business day to put funds in my account if My account goes into the negative. that's how most banks work to help the lower middle class if we run into a bind, However over the last 4 months or so I have noticed that they will post Debits at 1:24 AM in the morning and date it the day before. When I asked the M&T rep, She stated that they were not notified until Midnight. So to me... that means if they are not being notified of a transaction until Midnight 12:00 AM that falls to the next business day. I feel this is very unfair treatment for people who are already struggling to wake up to a negative balance and already have no way to help the situation because it was dated the day before.. so even when I scramble to put money in by end of day I still get charged a fee. So even though I appreciate the bank refunding a few of the fees they have charged me, it doesn't change this sudden spike in the way they are debiting transactions. I hope this information is helpful and hope other people have also said something because it really isn't right.
Regards,
******** *****Initial Complaint
Date:07/02/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Car loan was paid in full on 2/7/2023, called M&T several times to get the title for the car. Each phone call i am promised the title will be sent out. This will be the 5th month of trying to get the title.Business Response
Date: 07/06/2023
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Initial Complaint
Date:07/02/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On May 24, 2023, PayPal issued three separate refunds of $61.88 to my closed M&T account, but the money was never bounced back by M&T. PayPal did an investigation to make sure that the funds were successfully delivered to M&T and verified that they were; they provided me with an acquirer reference number (ARN) — a unique number that tags all credit/debit transactions—that proved that M&T collected my funds. I’ve been told that searching for ARNs is a standard banking procedure used to locate funds.
M&T continuously claims that they don’t know where my funds are and that they have no way to search for my funds using ARNs (the ARN that PayPal provided is ********).
This issue has been ongoing for over a month and M&T is continuously unable and unwilling to help me. Right now, I just want my money back.Business Response
Date: 07/18/2023
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Customer Answer
Date: 07/19/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
******* **********Initial Complaint
Date:07/02/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am writing to file a complaint against M & T Bank regarding their unethical and unfair business practices. I have been a customer of this bank for only about 2 years now and have never faced any issue until the last few months/
In the last few months. my mortgage has been revised three times, which is highly unusual. Normally, the revision takes place in October, but this year, I had to face issues three times. My account was revised in August 2022 which added an additional $60. then in Oct. 2022 which raised my account additional$100, and lastly in April $200 which raised my mortgage payment to $800 per month.
Moreover, I constantly make extra payments weekly, and when I make these extra payments for my balance, the bank never applies them to my account and instead places these funds in a suspended account and tells me that I am over 60 days past due.
I have no idea why this happens, and the bank never communicated a clear reason for this action. To make matters worse, the bank charges me late fees and initiates a property inspection without informing me or sending someone to inspect my property.
I find this behavior completely unacceptable and believe that it is a violation of the ethical and fair practices that a bank should uphold. I have tried contacting the bank several times to resolve this issue, but I have received no satisfactory response. I believe that M &T Bank's actions are fraudulent and suspect that they are using these tactics to extract more money from their customers.
Therefore, I am requesting your intervention and assistance in this matter. I would like to file a formal complaint against M & T Bank with the Better Business Bureau and ask that you investigate their practices promptly. Please let me know if there is any additional information needed from my end.
Thank you for your valuable time and attention to this matter.
Sincerely,
******* *******Business Response
Date: 07/13/2023
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Initial Complaint
Date:06/29/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
!!!DELETE THIS ACCOUNT IMMEDIALELY!!!
M&T BANK (THERE IS NO WAY YOU VERIFIED THIS ACCOUNT)
ACCOUNT #: *****************
M&T BANK CHANGED CLOSED DATE TO 4/30/2023) ON OLDER REPORTS THE CLOSED DATE WAS 05/31/2022. HOW DID THE CLOSED DATE CHANGE?
THE REAL CLOSED DATE IS 05/31/2022)
******* ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING
I THINK M&T DID THIS ON PURPOSE OUT OF SPITE TO DAMAGE MY CREDIT FILE
I HAVE PROOF ON DOCUMENT
1. CHANGED CLOSED DATE: TO 4/30/2023 (HOW DID CLOSED DATE CHANGE? THE REAL CLOSED DATE IS 05/31/2022) I THINK M&T DID THIS ON PURPOSE
MARCH 28TH CREDIT REPORT 2023
MAJOR VIOLATION DELETE IMMEDIATELY
(M&T BANK CHANGED CLOSED DATE TO 4/30/2023) ON OLDER REPORTS THE CLOSED DATE WAS 05/31/2022.
JUNE 17TH CREDIT REPORT 2023
MAJOR VIOLATION DELETE IMMEDIATELY
(M&T BANK CHANGED CLOSED DATE TO 4/30/2023) ON OLDER REPORTS THE CLOSED DATE WAS 05/31/2022.
2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS (DIDN’T PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE)
3. NO PAYMENT HISTORY IS REPORTING (HOW DID YOU VERIFY, ITS NO HISTORY SHOWING)
4. TERM LENGHT: 12 MONTH(S) (TERM LENTH SHOULDN’T BE REPORTING ON COLLECTIONS/CHARGEOFF)
5. PAST DUE AMOUNT: $3,513 (THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT)
6. PAYMENT FREQUENCY: MONTHLY (EVERY MONTH) (SHOULDN’T BE REPORTING ON COLLECTIONS/CHARGEOFF)
!!!DELETE THIS ACCOUNT IMMEDIALELY!!!Business Response
Date: 07/21/2023
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Customer Answer
Date: 10/18/2023
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
M&T BANK ACCOUNT #: ***************** THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. THEY HAVE BEEN CONSTANTLY SHIFTING THINGS ON THIS ACCOUNT LIKE MY OPEN DATE, CLOSED DATE, ACCOUNT STATUS & PAYMENT HISTORY. 1.THEY HAVE CHANGED THE CLOSED DATE OF THIS ACCOUNT 3 TIMES FROM THE ORIGINAL CLOSED DATE OF 05/31/2022. 2. INACCURATE OPEN DATE, REAL OPEN DATE: AUG 01,2021 3. ACCOUNT IS CLOSED BY CREDIT GRANTOR. WHY ARE THERE STILL CHARGE OFFS/PAYMENT ACTIVITY STILL OCCURING EACH MONTH AFTER CLOSED DATE ON THIS CLOSED ACCOUNT? 4. NO CLS CODE SHOWING FOR CLOSED ACCOUNT. THERE SHOULD BE A CLOSED ACCOUNT CODE OR NO DATA CODE. THIS ACCOUNT NEEDS TO DELETED DUE TO ITS INACCURACY & UNFAIRNESS. MANY LAWS HAVE BEEN VIOLATED. THIS ACCOUNT NEEDS TO DELETED DUE TO ITS INACCURACY & UNFAIRNESS. MANY LAWS HAVE BEEN VIOLATED.
Regards,
******* ********
Business Response
Date: 10/24/2023
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.
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