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Complaint Details
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Initial Complaint
08/08/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I feel I was unfairly judged by M&T Bank. I deposited a check I received from a man named ****** ****** and a client of his through an email for an art project they were doing. I genuinely thought the check was real. They even took the time to make sure it was authentic. When I deposited it, the bank examined it and found the check was fraudulent. I was disappointed upon learning of this. It was a mistake on my part for depositing the check in the first place. I’m a new customer to M&T Bank who recently opened an account on July which was last month. Unfortunately, the bank ended up closing that account because of that check they returned to me. This was the first time something like this happened to me and I felt it was a minor issue that didn’t require the closing of my account. If possible, I would want to request the reopening of my bank account and be let off with a warning.
Business response
08/21/2024
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Customer response
08/21/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and decided to acknowledge it.
Regards,
***** **************
Initial Complaint
08/08/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I used an ATM located at M&T bank 644 Bailey Ave Buffalo, New York 14206. The ATM number is 1636. The money was deducted from my account but the ATM did not dispurse the money I was attempting to withdraw and the ATM displayed that it was out of service after several minutes. I have had no luck contacting several phone numbers and speaking to several people to have the issue corrected.Business response
08/14/2024
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
07/30/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I closed my account with M&T Bank and they were supposed to mail me the final check 0f 8,337.44. I recieved several letters and the last letter was on July 8, 2024 stating that I did not cash the check (which i never received) and that I needed to call them for them to reissue. I have called them every time back to get this resolved (usually an hour on the call) and they say they are resending the check.. but they never send. Each time I call them, they say they do not have any notes from my previous request. I have just wrapped up a call with them and they stated that they wont get me to a supervisor to help OR connect me to a supervisor. This is the 5th time I have spoke to them in past 6 months. This time they are saying that they do not see this account - even though it is right on their letterhead. While $8,000 may not be a lot of money to most... it is definitely a lot to me.Business response
08/15/2024
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
07/27/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I opened up an account with M & T Bank online on July 18, 2024. I mobile deposited a check from my son's work in the amount of $700. Since he is 15 years old and doesn't have any ID, he wrote it over to me, so I could deposit it and cash it for him. I received emails and messages from M & T Bank with instructions and I followed them.I was told to wait 5 business days so I did for the check to clear. I went yesterday, July 26, 2024 to the Wilmington, MA branch at 247 Main St. in Wilmington, MA where I was met with coldness from Aashma and Linert. I waited over 45 min for them to FINALLY tell me, after blaming corperate, that I have to bring my son here, after I explained the situation about him being 15 and not having an ID, that he had to sign an affidavit and I was forced to close my account. I left, and I immediately called the customer service number where they had no knowledge of any of this and looked through everything they have in their system and told me to go back to the bank. I brought him there at 3:30 to sign the affidavit and get him his money. We waited 30 minutes for them to tell me corporate required a birth certificate.We left at 4:03, and returned at 4:23 with the birth certificate. We were walked into an office where Linert had my son and I sign papers and notarized a piece of paper. Once that was done, we were told that corporate wants for them to issue a check and they have to do what they are told. Only after I came back the third time, I finally got an apology for the circumstances from a blonde woman who was in the office. At which point I thanked her for HER sincere apology. Suddenly I got a meek apology from Linert. I did point out that I would have been remorseful and showed empathy for someone who came into the bank 3 times and have to wait almost 2 hours in total, due to what they blamed on corporate. All I want is for them to give me the cash and I will kindly bring the check back.Business response
08/09/2024
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
07/26/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I have contacted M&T bank by phone 3 times and in person at a local branch trying to get an answer only to be given contradictory and misleading information. They take the entire payment and apply it all to the interest even though I pay additional money then required. When asked if there is a cap on the amount of interest paid, they couldn't give me an answer. They make it impossible to pay down the principle. I believe they're purposely making it difficult to pay down the principle so they can collect more interest since the daily interest is based on the principle.Business response
08/05/2024
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
07/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
In November 2023 I purchased a used RV & used dealer finance w M&T bank. I sent in extra $ to be applied toward principal w my loan. It was not credited to paying down the balance instead it went towards the next payment, I called and was told by a supervisor to pay the extra principal separately not with my regular payment, I did so for several months only to have to call back because it was showing a lower payment for next month (NOT WHAT I ASKED FOR) On July 24,2024 at 1145 I called and asked to speak w a Supv. (Customer /service does not understand the difference between extra principal payments vs next months payments ) The sup. Michael #MBH16 stated that I could NOT send it separately and that a $21.47 is deducted daily from the extra principal payment for not sending it with the original monthly payment (like I did at first) and the extra $500 per month that I was sending in on average is being charged a $21.47 daily interest charge thereby making them extra finance as he explained it this is how a simple interest loan on a $98,000 dollar account works, when I asked for the extra finance charges to be reversed since I was doing as their supervisor instructed by sending it separately he said I have t listen to the tape and if its true you will get a letter (after I asked how I would know) I then told him I want written notification whether denied or accepted. It is my firm belief that this company (downgraded again by ***** 2023) is not properly applying my extra principal payments, has not properly trained any of its staff and is using questionable means to line their pockets. I would like those interest charges on the extra principle removed and the ability to pay down my principal early as per our contract without these additional penalties and without having to call them repeatedly. Thank you for your prompt attention tp this matter.Business response
08/01/2024
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
07/22/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I had an escrow increase this year and subsequently switched insurance companies. M&T had already disbursed payment to my previous company. This disbursement was later returned to my household and sent back to M&T in April. Our attempts to pay the disbursement back were unsuccessful, resulting in an increased monthly payment and a larger escrow shortage. These attempts included making a payment through the M&T app/website (April) and verbally over the phone with a customer service representative (May). The interactions with customer service are concerning. I verbally explained the situation (our initial attempt to make the payment online resulted in a returned payment although the funds were clearly available in our bank account) and was assured that my May payment would be applied to my escrow account. I was then advised to call back after the payment posted so that a new escrow analysis could be run based off of my new insurance rate (which had already been disbursed to the new insurance company). The agent assured me that my payment would post to escrow and I could begin making my new, lower monthly payment. After calling back to customer service, I was told my payment did not post to escrow and that the first agent was wrong. I was told to request a new escrow analysis or allow my account to fall delinquent and call back later to the Homeowners Assistance Dpt. This agent did not understand how escrow was calculated. I make every attempt to make my payment within the month it is due. We struggle each month due to a changes in employment. The handling of our situation was illogical and callous. I would like to reach a solution that addresses the mishandling of our account, including, but not limited to: reversal of payments to address the intent of the April/May escrow repayments; A new escrow analysis once the initial disbursement is paid off; A sustainable monthly payment that reflects the current insurance rate.Business response
08/05/2024
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Customer response
08/08/2024
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
07/16/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
Hello, I used to have an account with MT Bank. In the past, I lost two of my checks and couldn't cash them. Yesterday. I received two separate letters from the Bank saying that ".....Dear ******* ******** On 08/03/2020, we issued a check (referenced above) made payable to you in the amount of ......... To date, our records indicate that this check has not been cashed. Under applicable law, any funds associated with a check issued to a resident of NEW JERSEY are considered "unclaimed property" if the check has not been cashed during the time specified by law. Since the check has not been cashed, we are required to submit the funds as unclaimed property to the State of NEW JERSEY. To prevent your funds from being submitted to the State of NEW JERSEY, please visit an M&T Bank branch or call us at ###-###-#### and we will re-issue the check." Since it was saying "please visit an M&T Bank branch" I went to MT Bank in Clifton, NJ (887 Allwood Rd, Clifton, NJ 07012). The teller who greeted me, looked at the letter and said they could not do anything. I said but the letter is saying "please visit an M&T Bank branch". She said she didn't understand why it said that. She even didn't bother asking anybody else, or call their headquarters to figure it out. She was a type of trying not to bother looking at the details and was not helpful at all. I am very upset and disappointed with what the letter says and what the teller at the bank said.Business response
07/25/2024
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Customer response
07/26/2024
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
07/16/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
When I opened my account I put in all information and it was approved. Then all of a sudden they said information was missing and the bank was double charging me. Then they closed my account.Business response
07/29/2024
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
07/09/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
This company claims i owe money for insurance premium of 233.16 when i never have asked them for any insurance coverage. This happened at beginning of june 2024. Also they want more money for premium with grace period of August 4 2024. This seems to happen while ********** said i had a car accident when i didnt.Business response
07/24/2024
M&T Bank has responded to the complaint. However, it has requested that the BBB not publish the response due to privacy concerns.Customer response
07/25/2024
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,
***** *********
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Customer Complaints Summary
691 total complaints in the last 3 years.
211 complaints closed in the last 12 months.