Complaints

This profile includes complaints for M&T Bank's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  M&T Bank

  One M & T Plaza Buffalo, NY 14203-2301

  
• 

  M & T Mortgage Corporation

  2550 Victory Blvd Staten Island, NY 10314

• 

  M&T Bank

  596 Westport Ave Norwalk, CT 06851

• 

  M&T Bank

  599 Newfield Ave Stamford, CT 06905

• 

  M&T Bank

  547 Boston Post Rd Darien, CT 06820

The 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:07/23/2025

  Type:Service or Repair Issues
  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 received a letter on July 22nd from M&T Bank that said I can no longer utilize my old checks that I have due to a logo that is no longer part of MT bank because they bought my old Bank out. I paid over $100 for my old checks and was told I can no longer utilize them. I called the number on the letter and expressed my concern with spending another $100 a new checks so I can have their logo. I feel that M&T bank is taking advantage of their customers asking them pay for new checks when the customer shouldn't have to do this after already buying the checks because they want their logo on it and their new system will not accommodate the old checks. Additionally, when I called to complain about this there was no assistant that could help me. When I was transferred to the Supervisor Hakim, he continued to laugh at me because of my frustration and speech difficulty due to my disability which further angered me and made the conversation difficult and end abruptly. So now I have 200 checks that I paid for for use and M&T Bank will no longer accept them.

  

  Business Response

  Date: 07/25/2025

  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:07/18/2025

  Type:Service or Repair Issues
  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.

  To Whom It May Concern,
  
  I'm writing to file a formal complaint regarding M&T bank's handling of a one-time late mortgage payment on my VA home loan. A payment that I was NEVER properly notified about. I have an otherwise perfect history of on-time payments and take pride in my financial responsiblity. M&T claims they sent a letter to notify my of a missed payment, but i never received it. There was no follow up emails, phone calls, online alerts, or voicemails. All of which are standard for most banks when something as serious as a missed mortgage payment. I would have resolved the issue immediately if i had known,
  
  What is frustrating is not just the mark on my credit report, but the total lack of customer service and accountability. I've contacted M&T multiple times requesting a good will adjustment, given my clean history and intent to stay current. I even filed a complaint with the CFPB. Their response was essentially "We sent a letter, so it is valid"
  
  As a veteran, a father, and someone working hard to provide for my family, i find it incredibly disheartening that M&T refuse to acknowledge that a single communication failure, on their end, has a long-term consequence on my credit. This mark is now affecting my ability to provide for my family.
  
  There's a reason M&T Bank has such poor reviews and a reputation for cold, unhelpful customer service.
  
  My hope is that filing this complaint, others can make informed decisions on who they choose to bank with, and M&T might reconsider how it handles loyal customers.

  

  Business Response

  Date: 07/25/2025

  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: 07/25/2025

  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 appreciate M&T Banks response, but I want to reiterate that the reported late payment was an intentional oversight during a transition between bank accounts. The payment was made as soon as i realized the issue. While i understand the banks policy on reporting, the impact of this mark is significant.  I am currently under contract on a home, and due to this single 30-day late mark, despite an otherwise excellent payment history, i have been denied both HELOC and home equity loans for 2 years.  This situation may force me to sell a property in order to access necessary funds.  I have also written a letter to M&T bank executives in hopes of resolving this matter more privately and respectfully. I am not asking M&T to violate policy, but rather consider a goodwill adjustment on my long standing payment history and genuine nature of this isolated issue.    
  
  Regards, 
  
  ***** ******

• Initial Complaint

  Date:07/18/2025

  Type:Service or Repair Issues
  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.

  I had financed a camper through M&T Bank. I paid off the loan on June 12, 2025. M&T bank refuses to send me the title or payoff letter. I have called multiple times and get a different story every time.

  

  Business Response

  Date: 07/24/2025

  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: 07/29/2025

  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:07/16/2025

  Type:Service or Repair Issues
  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 sell my property in Poconos pa I open a bussines account first in ***** ***** bank a personal them I went to m&t bank and open a bussiness account and deposited a certified check from my account from ***** ***** because in the area I moved is not a ***** ***** bank when my check was suppose to clear m&t bank place a hold in my account I take every paper they ask for they ask me to show my bank statements from ***** ***** and I did they ask for everything I have done in the last 10 years they don't believed I sell my house when the check was there from a closing agency they thread me like a criminal close my account and place me as fraud when everything that I have work is totally legal and correct I try to open and account in another bank and they refused because in files come like I'm a fraud is injustice what they did to me and is more in to it I was able to open and account in ******** **** a bussines and personal I went to the m&t bank the manager said she don't know anything about my case their behavior was unacceptable when the banker was having a chat with the fraud department it was a lot of laughing emojis on the conversation I need this to be check and this people so this don't happen to someone else thank you

  

  Business Response

  Date: 07/30/2025

  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: 07/31/2025

  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  
   
  Regards, 
  
  ******** *********
  
  I don’t like the response, because I was treated like a criminal they when through my personal bank account, which it doesn’t have nothing to do with the business account, the question  me asking me personal question where I got the money from I give them proof I took receipts and  I never received a call from the fraud department. I was just dealing with the assistant manager from the bank in Altoona PA. I never got a call from them explaining the reason why my account was closed all this time. I’m just talking to an assistant manager. An I need a response and whatever was posted in the fraud department to be removed that affected the ability for me to open and account in another institution I need a clearance of any wrong doing from the branch and the fraud department also I need to see the chats that the branch assistant manager and the fraud department was having  it was a lot going on in that conversation at one point I see laughing emojis been interexchange by both assistant manager and fraud department thank you

• Initial Complaint

  Date:07/10/2025

  Type:Service or Repair Issues
  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.

  Submitted my new home owners policy Monday 6/30. I called back Monday 7/1 to confirm M and T received the paperwork. Angel informed me that they had not received the paperwork when I was told 3-5 business days. Angel then told me she could get the payment taken care of that day and called my insurance company. She left a message and when my insurance called back had no luck reaching anyone. Today 7/10 I talked to Robert and he was so cocky thinking he was going to deter me from asking for a supervisor. I told him I can a legit issue with the accountability of their company. The fact that they are overnighting a check but it takes 2-4 business days is not overnight. Tomorrow 7/11 I will loose my insurance due to the lack of professionalism and M and T (Angel) taking care of the payment.

  

  Business Response

  Date: 07/21/2025

  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: 07/22/2025

  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  Regards, 
  
  ***** ******

• Initial Complaint

  Date:07/09/2025

  Type:Service or Repair Issues
  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.

  I am filing this complaint (June 24, 2025) due to a serious error made by an M&T Bank employee during the home-buying process, which directly caused me to lose the condo I had signed documents for and been approved to purchase. After receiving a grant through a housing program, I followed all required steps and relied on M&T Bank to process everything accurately. Unfortunately, the employee made a critical mistake in handling the grant, which voided the purchase and forced me to start over, losing the home I had chosen.
  
  This situation has caused me significant financial and emotional distress. As a first-time homebuyer, I expected professional guidance and support, but instead was left without the property and no meaningful accountability from the bank. Despite attempts to communicate and resolve the matter, the responses I received from management were dismissive and failed to take full responsibility for the damage caused.
  
  I am seeking a formal acknowledgment of the error, and accountability from M&T Bank for the consequences of their actions. I’ve gotta past around from manager to manager. All saying well to the employees! How does that get me back the condo I signed for? Do not make the mistake using this illiterate bank. They have sooo many complaints I wish I research earlier.

  

  Business Response

  Date: 07/14/2025

  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: 07/14/2025

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory I hope future experiences will reflect the improvements you’ve outlined. 
  Regards, 
  
  ***** ******

• Initial Complaint

  Date:07/08/2025

  Type:Service or Repair Issues
  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.

  To whom it may concern:
  I was informed at the time of signing my mortgage loan application in July 2017 that after 8 years of payment my mortgage will go down in July 2025 to $2,074.00. In July 2017, my mortgage payment was $3, 362.00. I thought about my mortgage loan going down for 8 years. Eight years later, I called M&T bank to find out if the bank was going to lower my mortgage payment. I was informed by M&T Bank that the property taxes and escrow payment has increased; and my mortgage payment will be $2,259.19. Therefore, I realized that the bank is not going to honor the mortgage loan agreement that we agreed to in 2017. Every year, I paid the increase in property tax and escrow. M&T bank has been in the mortgage business for decades they know that property tax and escrow taxes increase every year. The bank signed a mortgage loan agreement stating that my mortgage will go down to $2,074,00 after 8 years of payment and now the bank does not want to honor the mortgage agreement.
  Any assistance that you can provide would be greatly appreciated. I look forward to hearing from you soon on this matter.
  Attached is the mortgage loan application showing the mortgage agreement between M&T bank and myself.

  

  Business Response

  Date: 07/14/2025

  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: 07/22/2025

  Hello Sir or Madam.  I'm not happy with M&T Bank explanation because I was informed that my mortgage payment will go down in 2025 by the loan officer and it is in writing. The bank is using mortgage language to avoid lowering my payment despite the fact that it's in writing. Thank you for your assistance in this matter. ******* *****

• Initial Complaint

  Date:07/03/2025

  Type:Billing Issues
  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.

  Called M&T bank for a auto loan payoff using the automated system on 6-19-25. The system gave me a payoff number of $92, 171.23. I mailed them a check for $92,766.48. On 6-23-25 I called the bank to speak with a representative to work on a title transfer. At that time I was told I owed the bank $804.00 or I would not receive my title. I told the representative the automated system gave me a payoff of the amount above and the representative told me they do not honor what the automated system gave me. Then I asked to speak with a manager and was transferred back to the same main line. I asked the second representative to send me a final statement with the total amount owed for the payoff and how could I owe $800 when the check I mailed was more than the contract amount. They told me the loan accrued interest and would continue to do so until the loan was paid off. I asked them for another payoff amount and a statement in the mail for me to send the payment. I have yet to receive a statement explaining the total balance owed. At this point I do not know what I owe if the loan continues to accrue interest although I've requested two payoffs and haven't received a statement. I would like the BBB to get involved so that I can speak with a manager as originally requested. M & T bank billing practices are in question, as a consumer I feel like this institution is taking advantage of me by withholding the title.

  

  Business Response

  Date: 07/16/2025

  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:07/01/2025

  Type:Service or Repair Issues
  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.

  Grandmother was locked out of her account for suspicious activity because the Debit card would not work in self check out. 5/28/25
  Victual appointment made for 6/2 no teller came to virtual appointment to unlock account
  Account was still locked I brought my POA 6/2 to bank
  6/3 Grandmother went to bank to have account unlocked with her home health aide
  6/6 bank manager called cause he failed to copy 2 pages of POA
  On 6/9 she is still locked out of online account
  on 6/16 brought missing pages of POA
  on 6/23 try to use ATM will not work account locked including online account called bank no one has an answer
  Manager keeps telling grandmother he is in the middle of other things cant help her via phone
  Called 6/27 for update - could not provide update
  6/30 called for update- no update

  

  Business Response

  Date: 07/15/2025

  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:07/01/2025

  Type:Service or Repair Issues
  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 has taken unauthorized money on a auto draft setup. They then tell me they dont know of the transaction when the bank verified they withdrawn the money from my ***** ***** account.
  
  The last 60 day they have been a very bad bank!!

  

  Business Response

  Date: 07/10/2025

  M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.