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
- 704 total complaints in the last 3 years.
- 225 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:04/21/2025
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.
My march payment was 23 days late for the first time ever going past my grace period, but someone turned me over to the bureau as being 30 days late. Which placed a mark against my credit, at a time when I was trying to do a refinance. I would like for this to be corrected in the record. Thanks for giving this your attention. **** ****
Business Response
Date: 04/23/2025
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:04/18/2025
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.
Traveling overseas in a few months and have been trying to prepay excursions and passes for different attraction. They keep flagging my account for fraud. I have spoken to the fraud department multiple times and even had them on the phone while trying to make the purchase and nothing will go thru due to fraud. Been told nothing else they can do or use another form of payment. First of all it's my money that I am Oking to be used and even if I had a million dollars elsewhere that is not the point. I want to be able to make purchases when i want and how can I feel comfortable being with this bank while overseas and get stuck with not being able to use my card??Business Response
Date: 05/05/2025
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: 05/06/2025
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:04/15/2025
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.
Yesterday my neighbor sent me $30 twice. It was denied thinking it was fraud and this morning it was denied because the override expired. I refuse to ask him to send IT again because this a legitimate transaction. Of course they wanted him to resend it. This is a legitimate transaction via ***** and we both been using ***** for years. I never received an email or text about this suspicious activity on my account. I am so frustrated with M and T. at this point The override in my opinion is a waste of time. I don’t have control of the person sending me money via *****. I would like to have the fraud alert lifted off of this transaction. Because it was never a problem until Yesterday. He has sent money via ***** for years. Please call me at ********** for more information. I never got a text or email about this transaction. It was promised that this would be accelerated to management and I have not heard anything from M and T Bank today.Business Response
Date: 04/30/2025
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: 04/30/2025
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:04/14/2025
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.
Date of transaction was march 29 2025.I went to withdraw $500 from drive thru atm.M&t is telling me to go through my banking which is ******* **********.I put two disputes in and both were rejected from my bank I spot with m&t and was told they do have my 500$ that wasn’t dispense to me march 29th 2025 at 7:02pm .However my card was returned to me by m&t bank they keep telling me to file a dispute with my bank but it happen with there atms and they admitted to having the $500 on hand.Business Response
Date: 04/23/2025
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:04/11/2025
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.
I used ****** to send money to my boyfriend for utilities, it was my first time using it, his name is ******** **** and there was another *** **** with a similar email and screen name. I sent it to the wrong person, called ****** immediately and they said they couldn't reverse it since it was under "Friends and Family" and told me to call my bank. I did, a dispute was made and they gave me provisional credit. I got a letter this week saying they would reverse the money because they never received the additional information they requested but I never got anything in the mail asking for it. I called 2 days ago and the lady I spoke to said they would resend the papers and delay reversing the credit. Today I woke up and $206 is gone taken from them. I called and told them I was waiting for the paperwork and I was told the reversal would be delayed. They refused to help and put back the money even though I was told they'd wait, I have a carpayment I need to make and I can't now because of them!!Business Response
Date: 04/15/2025
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Customer Answer
Date: 04/17/2025
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:04/09/2025
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.
Over the past 2 years the M&T bank has charged me with lender placed insurance. They never contacted me regarding my current insurance provider dropping me. So they have charged me with larger than required premiums without contacting me to find a new insurance carrier. This is criminal and something should be done about this.Business Response
Date: 04/24/2025
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: 04/25/2025
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 never recieved any letters from the Bank or my own insurance company. I also called an asked why my escrow had increased by over $300.00 and was told it was becasue my taxes and insurance went up with no mention of lender forced insurance. Then coincidentally as soon as I contact the BBB my escorw decreases by over $250.00. Mean while i have recieved several calls from Mr. ******* regarding this issue which would never have happened if someone at the bank would have picked up the phone and called in the first place. The fact that i made a call regarding this exact situation and was told a lie is unethical. Regards, ***** *****Initial Complaint
Date:04/04/2025
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.
Today 4/4/2025 I went into M&T Bank to make a withdrawal from my checking account. I requested $400 and received an envelope with the money and left because I was in a hurry to get to my wife. After giving my wife $140 I realized I only had $160 left. Checked my account to confirm the teller heard me correct and realized she put in for $400 withdrawal. Went back to the bank to inform them of the error was told I was given the $400 and that the supervisor confirmed with the teller both verbally and my checking her drawer and that I would just have to lose $100. After basically being called a thief by the supervisor and informed that M&T Bank would do NOTHING to compensate me for my lost the phone rings and the supervisor then informs me that the teller FOUND MY $100 IN HER GARBAGE CAN & apologized for basically calling me a liar and clarifying I have no insurance with my money when it comes to M&T policies for situations like this. Very rude, also I was obviously concerned going forward as to what will happen and whether or not this person will have access to my personal information and was told “she’s not going to lose her job for a mistake” THIS IS MORE THAN A MISTAKE. Also I have the entire ordeal on video. I don’t feel secure and am now concerned about my account, my funds and honestly who has access to my information.Business Response
Date: 04/16/2025
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:04/04/2025
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.
Mobile deposit made on 3/30 said accepted would be available on 4/1. 4/1 online account blocked. Initially told check was under review and hold expected to be lifted 4/4. 4/4 still unable to access online account, all can be told is that account is still under review, no one can get me in contact with a supervisor and no one can explain why the account and/or check are still under review. Was told that would note escalation in account 4/3, and again today, however have received no follow up.Business Response
Date: 04/11/2025
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:04/03/2025
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 have been making payments on an RV trailer $28K financed thru M&T Bank since August 2024. I have made additional separate payments aside from regular monthly payments and was told the extra payment would be applied to the principal. However, this appears to not be happening. I have called so many times, speak a new person each time, and they all have said "yes, the extra monthly payment will be applied to the principal." However, this is NOT occurring. Moreover, I have made my payments on time and unbeknownst to me a late charge shows being applied to my account in Sept and October, based on information I requested and just received in March 2025. I was told my payments are due at the end of each month and I have been told the payments are due at the beginning of each month by the 5th. Which one? IDK. It is my understanding if my payments are post marked by a certain date there is NO late payment. ***I dispute any late payments*** In addition, I will get statements showing a due date with the next payment being months later instead of the very next month due date. For example: My statement for Jan 7 to Feb 6 2025 shows payment is due June 25, 2025!!! What? This is on the January statement. (good grief) So does that mean I don't need to make a payment until June? Which would speak to they are NOT applying my extra payments to the principal. It is unclear to me what I actually owe, What is the correct payment due date. Actual $ amount applied to interest - balance. Actual $ amount to principal - balance. It seems any extra payments I've made, all personal checks, are going straight to the interest instead of the principal. I hate to ask BBB for help, you are the only ones that I know of with the integrity, tenacity and stewardship to really help / look into this.Business Response
Date: 04/17/2025
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:04/02/2025
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 formally lodge a complaint against M&T Mortgage for the inadequate handling of my loss mitigation process during a challenging personal situation. Last spring, while going through a divorce, I requested assistance to push one month's mortgage payment to the end of my loan. After completing an interview, stating my divorce, I was informed that my request was approved. However, when I attempted to pay my mortgage the following month, I learned the request had been rejected due to my husband's lack of signature, even though he signed documents stating he was not part of the loan. After being told we had to restart the process, M&T sent the wrong documents—seven times—leading to significant delays, and these were sent to the wrong address, requiring M&T to dispatch two different notaries. Feeling overwhelmed, I sold the property to distance myself from M&T. During the closing process, figuring out the payoff amount was exceedingly difficult. After much effort, I was informed the lien had been cleared, only to discover five months later that I was reported to have five months of late payments due to M&T’s mishandling. Recently, I received an email from HUD indicating there remains an outstanding balance of $8,742.75, contradicting M&T's statements. This unexpected bill is preventing me from purchasing a new home for my four children. Throughout this ordeal, M&T has shown a lack of accountability, deferring to the fact that I agreed to the process—under the false assumption they would execute it competently. This experience has been a nightmare, and I seek resolution for the distress caused by M&T Mortgage. Sent from my ******Business Response
Date: 04/16/2025
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.
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