M&T Bank
Reviews and Complaints

My mortgage was sold to M&T. The process of enrolling to pay my mortgage online is unbearable! After giving too much personal information to a CSR, I'm required to remit my FULL SSN online too! Once done my login attempt is met with a redirection to the Fraud Dept. Here I'm required to give information previously remitted along with demands about my device and who I buy internet from! The only thing redeeming about this miserable experience is that the CSRs are polite even if uninformed.

I lodged a check for 6000 pounds in location 4 Mower Street Worcester on the 14th February. I contacted my English Bank to determine when it had been processed their end and I was informed it was April 3rd. Therefore, the monies should be in my bank account at M & T. No one has been able to assist me and keep fobbing me off. The manager of the above branch has been unavailable to assist me and implied the issue was with the overseas bank. No one seems to be able to help me and at this point I am frustrated and concerned that my monies are lost somewhere in the abyss. SOMEONE in this organization surely must be able to find out where my monies. My phone # is [protected], please contact me with a resolution.

As a depositor, preferring online internet access, I became a depositor 2 years ago. Online access to account is routinely denied... i.e. blocked login attempts. Their customer service is not customer oriented to effect solutions to problems.

Their bank as a commercial entity fails to embrace "consumer sovereignty" i.e I decide if I am being served properly, not them. They consistently fail in their fiduciary obligation to provide access to funds on line which was a reason I opened an account as I live in a rural area, 12 miles from a branch office.

WE HAVE BEEN DISPLACED SINCE AUGUST 2021 AND HAVE PAID EVERY NOTE ON TIME. WE HAVE HAD TO PAY FOR MULTIPLE PLACES TO LIVE AND WE ARE DONE FIGHTING TO GET INTO OUR HOME. This a message I sent last night to the person that performed the most recent inspection. Because of internal policy, I am about to walk away from this property and file a lawsuit against M&T bank. How can it be ok for me to be current on each note this whole time and mt can’t send me back my money to finish their house. This is owned by MT Bank so y’all can figure out to fix this house. Good luck trying to find a contractor that will work for free. I know I am one small customer in a large corporation and I don’t really matter but that is ok. I will contact every outlet I can to share this story. Y’all are keeping us out of our home that we are paying for and have been doing everything right. Sad.

Hello-

Do you know of any department at MT Bank that can help escalate an issue? I know this is not your area but I would like to offer a brief synopsis.

We have approximately $76,000 of work left to do.

I have paid out $99k (non insurance funds, my own funds) so far. I recieved a supplement insurance check for 47k, which now sits with MT bank. This means I have to come out of pocket another $30k to get back into my home- on top of the $47k.

Since we are at the last phases and the most expensive phase, I need the entire $47k to get the job even started. I have to give deposits to multiple folks to get them to begin. The cabinets alone will cost $25-$30k. I have submitted estimates to support this.

MT denied my request to have the entire amount released to me even though I have come out of pocket $99k so far this is in addition to the $40k that was stolen initially, explanation in next paragraph.

When the job originally started, mt bank released 40k to myself and the original contractor but only allowed the funds to be deposited into the contractors account. The contractor did about a day or so of work then left town. We are persuing legal remedies on that contractor. We had to take the hit. So now I’m asking MT to release $47k for work that has already been paid out of my own pocket. It’s ironic that the theif contractor got away $40k but now I can’t even get reimbursed for half of the money I put out so far.

MT wants to disburse increments but the job won’t get started and will most definitely not finish in that process. I understand that their are procedures and rules but I need some help as this is an extenuating circumstance.

We have been out of our home since August 31, 2021. We have been paying our house note plus additional rental while the house is under repairs. We are current on our mortgage.

I am a severe diabetic on an insulin pump and this has been very difficult for me and my family. My wife has rheumatoid arthritis and I have 3 children with one having major health problems. They have been depressed from being uprooted from their home and we have been fighting hard to get things back to some normalcy.

I have explained this multiple times and even submitted a hand written letter as suggested by one of the mt representatives. I am close to finishing the house and they are preventing me from getting my family back in. I told the rep tonight that a house is not worth our wellbeing and all this unnecessary red tape. You would think there would be someone who could escalate our situation. This is an out of the ordinary situation.

To make matters even worse, our current housing will no longer be an option by June. If I can’t get the funds I need back from MT in the next week then I will have no choice but to let the house go. I will contact the mortgage department in the morning to inform them of the situation. The additional stress created by MT bank just in an effort to get the house repaired is not worth continuing to put my family thru this hassle. I was on life support for about 2 weeks back in 2017 and lost both my parents 3 weeks apart back in July. This were traumatic situations and that has taught me that material things are not important. Health and the wellbeing of your loved ones is #1. Letting this place go will only damage my credit and that does not bother me one bit. Please don’t take it the wrong way. We have gone through bankruptcy before. It’s not the end of the world.

MT can have back this place back as is. We will walk away and find another place to live because we are at our wits end with the red tape and lack of understanding. I feel like I need to get the media or legal involved in this. We are just trying to get home.

I know you’re not the person to help but I am desperate and you were very nice and professional with me. You seemed like the type of person that like to help others. Have a great evening.

Jonathan Hebert

[protected]

On or around February 21, 2023, a MyWay Banking Account was opened in my name with M and T. I currently have several accounts with M and T, a Direct Checking Account, a My Choice Money Market Savings, and a M and T mortgage. I just re-applied for a HELOC as well. I did not open this account.

Apparently, this MyWay Account was opened by someone with all my personal information, and was only closed when they did not show to sign the application documents. This information was just given to me just now by a M and T operator that I reached with the 800 number. Ironically, I have a Credit Lock on Experian engaged and have just initiated a fraud alert None of this mattered because this criminal surreptitiously was able to open the account without my consent, M and T did not follow up with the customer (me!) about this account, and when the account was closed, no one from M and T contacted me to tell me about the fraud! If I hadn't been observant, I would never had known about this fraud.

Furthermore, unless I'm mistaken, this matter is closed with M and T. Will you pursue this individual and attempt to prosecute them for banking fraud? It would seem to me that everyone would benefit if cases like this were investigated and a perpetrator was made to pay for his or her crime.

I would like to hear from M and T about this matter. I've been a good customer for over 30 years and I wonder if M and T will take the steps to prevent such incidents from happening in the future.

Thank you.

Roger W. Roman

27 Commane Road

Baldwinsville, N.Y. 13027

cashed a check in Oct. for $1100.00 they took it out of my account that's what they should do however they then took it out again a few weeks later and now 4 months later they have taken it again. When I go online to my account, I can only go back 3 months to view transactions. All they can say is sorry but that's the way it is. So now I am out $2200.00. I am on a fixed income I can't afford this. I think it is time to switch banks this will take some time to switch my direct deposit over.

It took almost three weeks to even get approved for a credit card due to the underwriting process taking forever.

Once I had the card, I was only then told that in order to review your credit card online, you need to have a checking account. Meaning there is no way to look at your credit card balances unless you open an additional account. I cannot think of any other bank in the world that will not let you do all your banking online.

I am writing here because customer service was less than helpful. This process has taken so long, and M&T does not seem to care about making it easy for users to interact with their products.

I have been with M&T Bank for 47 years, Checking and Savings, 4 Mortgages, 3 Equity Loans, Car Loans, and Personal Loans. I received in the mail a request for insurance for a loan, in which I don't understand. I spoke to a woman at M&T and she told me I was turned down. I said ok, that I have 3 loans that I have already been approved fore. My FICO Score is 781. I am totally insulted by M&T. I am trying to talk my wife into changing banks completely. M&T is a crappy bank for what they did to me. Ronald Sessler

I live in UK and used my debit card on 28 Dec in a cash machine with no problem. A few hours later I attempted to use the card for 2 transactions with Amazon, and it was declined.

I rang the international number... the first time I waited 40 minutes and the company hung up on me.

The second time I was waiting for an hour and the company hung up on me.

It had been agreed that the fraud department mistakenly declined these thinking they were suspicious for some reason - but only they apparently can reactivate the account so I can use the card on Amazon.

I am no on my third call, and I do not anticipate any success — there seems to be no other way for me to get your error corrected. I am using a mobile phone for these international calls.

I have no idea what else I can do to rectify this error. This amazon account is used with this bank card frequently to purchase items for the church. I am a retired missionary and these operating funds are important.

As I do not anticipate any success using this international number, please can you somehow bypass this useless method and reactivate the card for Amazon purchases as soon as possible.

My payment on my mortgage has been around 600-650 since I have had my mortgage. I have been in my house now for over 24 years and my payment has just ballooned to 800.00...Why? I am now paying another 15000 on this house over my remaining 6 years when neither my city, state or school taxes have gone up. Thats more than the payoff balance on my home is...WTF?!?!?!

I am trying to resolve a hold on my Visa/Debit card. they can only help you by forwarding to their Fraud Protection Department. I have now tried to reach them 3 different times. first two I waited over 30 min with no answer. I am on the phone waiting for them again now for over 2 hours. today is Nov. 25, 2022

very poor customer service!

Doug Newhouse

They pulled my first complain down and i'll keep writing them so the public can be aware of what they did. The local branch in my town has given us completely inaccurate information and lied to us on multiple occasions. in this situation an elderly man went in to open an account on Friday 10/28 and deposited a certified check. Before we made the deposit we asked when the funds would be available and were told the next day Saturday 10/29. I asked again as I found it suspicious that they'd do that on a Saturday but the girl said she was 100% confident it would be there the next day. Well Saturday and Sunday went by and no funds were released. I'd like to note that had we been told that they would hold it until Monday that i'd have taken him to cash the check and we would've opened the account with Cash. But, she lied and gave inaccurate information and now he is being evicted. On Monday we called and she apologized and said that she was sorry and that the check would be cleared "tomorrow" (Tuesday 11/1). While this is going on I need to add that we were telling his landlord this information, promising him on Friday he'd receive the rent on Saturday. then having to tell him Saturday that he'd receive it Monday and on Monday that he'd get it Tuesday. Well, he now thinks that we have just been lying to him the whole time and as of tonight the elderly gentlemen was forced out of his home. We have spoken with 5 people at corporate, all who give different information. No one who works at this company knows ANYTHING about the policies and procedures. I'd also like to note that I workedd in banking along with many friends and family and I know for a fact that a branch manager can remove a hold from a check at their discretion. You would think that the branch manager at this location would have at a minimum released part of the check so that he could pay his rent. B=As of today, I spoke with 3 more people and no one can tell me when this check is going to clear. its absolutely unacceptable and ridiculous. This is a horrible bank, their systems are ancient, and their employees are, to be quite honest, completely incompetent, with horrible customer service skills and problem solving skills. I'm not sure what we are going to do about my friend the elderly gentlemen... I doubt that any one of the branch employees will even give him a thought tonight as they sleep in their comfortable warm bed.

I tried to transfer funds ($208.49) into my M&T checking account (using the M&T website) from Chase on 10/6/22. The funds were debited from my Chase account but have not been credited to my M&T account as of 10/14/22. In addition, the exact same amount, ($208.49) was debited from my Chase account again on 10/12/22. Both debits shown on my Chase account are noted with (M&T Bank to Bank Transfer). I have tried to resolve this problem via M&T's message board, in person at two different branches and over the phone. I never received a reply on the message board and was unsuccessful at the branches. I will have to try again via the phone. My only concern is that another $208.49 may be debited from my Chase account. (I only authorized the transfer on 10/6/22).

I always would transfer funds between my Chase account and People's in the past with the funds credited the same day.

My name is Vincenzo Marano. I have been a business customer with M&T for over 8 years now with Arika Granite and Marble, Inc. I was defrauded for nearly $7,000 this year and filed a dispute at the direction of Madison Karwas at a Cheektowaga branch. I provided all the pertinent information needed via mail correspondence and gave my branch representative an emailed copy of what I had sent so that she could follow up for me. I even supplied my invoice which totaled $676.00. It illustrated my purchase order of an air filter $153.00, an oil filter for $133.00, and an oil/air separator for $390.00. Instead, this company debited my account $6999 and no one from MY bank did anything about it!

I later found out that my temporary credit was refunded to the company that fraudulently took the money in the first place. I was not alerted by MY bank. I was not alerted by MY rep. I found out by noticing I had $7,000 missing from my account on-line! I called MY bank to find out what happened, and they told me the fraud investigator had not received my supporting evidence. When I tried to have the dispute re-opened, I was told it was closed and I would have to deal with the company because I had not returned the items, I purchased within 14 days. I NEVER RECEIVED THE ITEMS I ATTEMPTED TO PURCHASE!

I finally, received the email address for Katie Howe from Amy Ferron at another branch and was told that is all they could give me. Katie Howe was the investigator the bank had handle my dispute. No phone number just email and just hope and pray that this person would call me back. Well, it's been A WEEK, and no phone call or email! I bet if it was her money, she would be way more involved! I was defrauded and MY bank made no effort to involve me in this decision.

I have an ongoing dispute with this company involving their compressors which I illustrated in my complaint and would have elaborated if anyone... just one of MY bank's employees cared enough about my account, or my company, or even me as a human being to ask. This is totally unrelated the fraud that occurred. If it is this bank's objective to put me out of business, you are doing a great job! Congratulations! If you are there to help, you are failing immensely. Ever since my rep Britney Cheney was promoted out of the branch, customer service is non-existent. I am disappointed in a branch that I had high regards for and cannot continue to do business with.

My phone number is [protected]. I will be contacting the Attorney General and anyone else that will listen about your banks blatant laziness in handling this case for me. It is disgraceful how I have been treated in all of this. I can tell that not one person I have been in contact with your bank cares whether I am in business or not. This is not the M & T Bank I signed up with. By the way I also emailed this.

I'm trying to stop a recurring bill payment via the M&T website. When I go through the process to cancel the bill the confirmation screen says that the payment was cancelled but it also shows an error about the payment being in an invalid state. See the attached screenshot. When I go back to check the list of scheduled payments, it's still there. How can I stop recurring bill payments?

I also tried calling customer service. Waited over 25 minutes on hold and when the person picked up he/she immediately disconnected me.

Ever since you took over Peoples I have been unable to access one of my accounts online. It was fixed two days later and then it disappeared again. I have also been trying to get an atm card for that account and have been told twice that I would have it in 2 or 3 days. Still waiting. I was told by the call center to call the branch so set up a video conference. They were unable to do it. I have gotten nothing but a runaround since Labor Day!

• I have been with Peoples since it opened and the 3rd securities investor to open an account with Bob Rodea in the 80’s.

• This Conversion from Peoples United to M&T is a nightmare

• WHY? You do not have enough folks managing your phones to answer serious questions up till at least 9PM every work night until things settle in. You want “BIG” then act like it and serve your customers properly.

• You can’t put everything in a letter or on an answer-bot & think you’re all set. It never will work that way and every sensible executive prepares for the phone calls. M&T has NOT!

• Instead of offering to offer to call back in the order of the callers call we are put on hold indefinitely with no wait time reference whatsoever.

• Call Spectrum Cable to see how this works! [protected]

• I have used my Peoples access codes for both Securities and personal banking & none of then work as I was assured they would after the transition. So I am locked out of access & put on hold indefinitely, REALLY. Who put this in place?

• Accessing one’s finances 24/7 is the closest thing to a religion. You don’t screw with it and M&T is doing just that. Period!

I was a people's bank customer. Since the bank took over a couple of weeks ago, it is a nightmare to go to the bank. The lines are like 15 deep. they only have 3 tellers on in Fairfield around 2:30 on a friday when i go. I cant get there any other time and I need to take out money so the atm wont work because I need more than they can give in 1 day to pay for repairs at home. So i know its been only 2 weeks but this is ridiculous waiting time. Customers in line say they are going to another bank. they have to do something in the fairfield brank on the post road.

It is ridiculous and there is a solution, put more people on as tellers or hire more people. The bank is making enough money to do that.

I migrated from Peoples. On date of transition, I checked my new M&T account to see if my scheduled bill payments had transitioned, and all appeared successful. Today I learned that only one of three payments were made, resulting in over $250 in finance and lat fees. Since 9/6 transition date, the parking lot at my local branch and lots around it are completely filled from opening to closing. I called M&T today to see how they were going to rectify m situation I was on hold for close to 3 hours. Finally, the individual told me that "on her side", they only saw the payment that was made and not the others that were scheduled. It really made no difference to her that "my side" told me all of the scheduled payments had transitioned. In sort -- "her side" wins and I am out $250. Welcome to M&T bank. And goodbye M&T bank. How do you trust a financial institution that cheats you our of $250 in the first transaction? I opened a new account up the block at Chase today. They are giving me $300 to open a basic checking account. So thank you M&T...I earned $50 from your failure and understand that former Peoples Customers are leaving you in droves..

Your website is a “[censored] show”. Don’t you have an IT department? After trying for 3 days to make a deposit on line I finally gave up. Went to a branch, only waited in line for ten minutes to make my deposit. If I wanted to stand in another line with 3 people waiting I could try to straighten out my problem. I overheard one of the people saying that they had been there for an hour already. I don’t have that kind of time. It will be much easier to switch banks. I feel sorry for the tellers, they are taking a lot of abuse.