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Complaint Details
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Initial Complaint
07/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This account is inaccurate and still showing in my credit report. I've been disputing this account for a very long time now and no action was being made.
Business response
07/16/2024
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
07/04/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
On Wednesday, July 3, I returned a call to a very rude representative of this bank from the Financial Crimes division. I was immediately alarmed and caught off guard as the representative identified only as Nina, began to make accusatory statements about an alleged check I allegedly deposited into my account. 'Ms ********, the check you deposited into your account who gave it to you, where did it come from, and what was it for?' 'Excuse me? What are you talking about as I have not deposited any check into my account as my account was in the negative of $100 so I have had no need to access my account. I know I had paid $20 towards the deficit for as I recall the total deficit was $119.41; and I believe I had until sometime in August to pay before the account would be closed.' 'So, you didn't deposit this check? Does anyone have access to your Debit Card? Did you not stay at a Motor Inn?' 'Ma'am, I am homeless and I was recently hospitalized due to suffering a fall re-injuring myself as I have Osteoarthritis.' Despite adamantly refuting her allegations, she continued to pepper me with questions about a check I had no knowledge of. Notwithstanding, Nina believed that I had purposely committed a crime which I adamantly deny. I was infuriated by her continued allegations and I was barely able to ask any immediate questions such as: What type of check is it? What's the name on the check? Does it have my signature on it? When asking about my signature, she stated: 'I never said you signed it.' Before I could make further inquiry, she informed me that the account was in the negative of $641; and that unfortunately my account was going to be closed. If I wanted to file a police report, I could do so; but, if I wanted to get another account, I would have to go somewhere else. I was livid; and not understanding why I was not provided the opportunity to properly discuss the matter nor do I know when the act took place nor why I am now only finding out about the incident.Business response
07/19/2024
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
07/04/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Hello. M&T put my account on hold for not reason. I deposit a check and the check bounce. So it doesnt make sense to put my account on hold for not reason. Just charge my account for the return fees. Now i cannot even use my card nothing and i have money sitting in my account that i cannot even use it. I dont recommend this bank to anyone Card number xxxx-xxxx-xxxx-**** exp 04/xxsec code xxx Date of birth *** ** ****Business response
07/19/2024
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
07/03/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Subject: Unauthorized Account Complaint Date: April 11, 2023 Account Number: ***************** Account Amount: $48,978 Dear Better Business Bureau, I need to report an unauthorized account with M&T Bank opened on April 11, 2023, for $48,978. The account number is *****************. I have no knowledge or consent of this transaction and suspect it to be fraudulent. Please assist me in investigating this matter to prevent further misuse of my identity.Business response
07/12/2024
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
07/03/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Question: I received a credit card offer from M&T Bank and went ahead and applied. They approved my application, but now they are not allowing me to enroll online. They are asking me to visit a M&T bank location, which is approximately 10 miles away from my home. However, during the application and approval process, they never mentioned the requirement of visiting a physical location. Now they are claiming it's due to security issues. I strongly believe that this excuse is based on racial and religious bias and is a form of discrimination. If security was a concern, why did M&T send me an offer and approve my account without verifying my identity? This seems like a deliberate deception by the bank. They are now harassing me with security excuses, preventing me from checking my balance and transactions. This is completely unacceptable.Business response
07/11/2024
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
07/18/2024
Dear Better Business Bureau,I have carefully reviewed the response provided by the business regarding complaint ID ********, and I regret to inform you that their response does not provide a satisfactory resolution to my complaint. For your reference, I have provided a detailed account of the issues I encountered below.There are three main concerns that I would like to address:1) Firstly, I strongly believe that the bank engaged in fraudulent behavior by approving my account without properly verifying my background. The bank has not provided any documentation to clarify their actions and why they should not be considered fraudulent.2) Secondly, the bank has consistently emphasized the need for me to physically visit a location in order to enroll in online banking, citing security reasons. However, they did not follow the proper procedure for this requirement. I firmly believe that this insistence on in-person enrollment is a form of racial and religious discrimination against me, as the bank has not provided any valid reasons for such a demand when my account has already been approved. It is actions, not words, that truly reveal the bank's intentions.3) Lastly, during a phone conversation with Mr. S*****, he mentioned that instead of visiting a physical location, the bank could offer a Zoom meeting as an alternative. This clearly demonstrates that the requirement to visit a location is not truly justified on security grounds. It appears that Mr. S***** made up this alternative on the spot as a means to retaliate against my concerns.I hope that you can address these issues promptly and assist in reaching a satisfactory resolution. Yours sincerely,******* *****Business response
07/26/2024
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
07/03/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I recently discovered that I am a victim of identity theft. While reviewing my credit report, I found accounts that were opened in my name without my knowledge or consent. I immediately contacted the creditors to request proof of my authorization for these accounts. However, I have not received any documentation or evidence from the creditors verifying that I initiated or authorized the opening of these accounts. Given the lack of evidence provided by the creditors, it is clear that these accounts do not belong to me and were fraudulently opened using my personal information. Below are the details related to these incidents that I found in my credit report: Account Name: M&T BANK Account #: 110001XXXXXXXXXXX Date Opened: 10/14/2023 High Credit: $75,584Business response
07/17/2024
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
07/01/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
missing $1975.00 from a **** payment sent to me. No one answers the phone and or get disconnected. Need a live human being. Their AI does not work either. Ask for a human and disconnects. Understaffed and poorly managed.Business response
07/17/2024
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
07/01/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
The only way to schedule automatic payments is by mailing in a form to enroll (every other banking app has this ability). I initially requested to set my automatic payment to $400 so that some additional money would go towards the principal. The automatic payment was set to default minimum payment. I would like to either decrease my term limit (high monthly payments) or be able to adjust my automatic payment so I can pay off the term sooner. Unfortunately, M&T does not service Kentucky, and a representative told me that I would have to return to a dealership to ask to refinance and request M&T. No clarity on how autopay and additional payments towards principal was provided that would not cancel out autopay. Probably worst banking experience I have encountered in my adult life.Business response
07/11/2024
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
06/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am disputing the integrity of M&T Bank. Our mortgage payment originated at $3,590.96/month in September '21. In August '23, I received a letter stating that the mortgage payment would increase to $4,860.76/month starting September '23. This was due to increased insurance and taxes. I immediately notified M&T that our family would struggle and inquired if they offered any mortgage assistance programs or skipped payments. They stated that they would not be able to offer any assistance until I became delinquent on the account. Starting in January '24, I became delinquent so I would qualify for their mortgage assistance programs. I then applied for the mortgage assistance program. Three times they mailed out the mortgage assistance packet, I completed it, had it notarized, and sent back. Each time I would call they would say an item was missing and this is inaccurate. The packet was completed in full three times. They also refused to run an updated escrow until I elevated the request. I was eventually able to reduce the insurance and the property taxes also reduced. I am now all caught up with the new monthly payment of $4,058.21/month which is manageable. I called M&T to see if they would remove the reporting of late payments from my credit report since they told me to go delinquent before I qualified for any mortgage assistance programs. Once I became delinquent, they never followed through with offering any mortgage assistance. Due to their “advice” of telling me to let the account go delinquent and then not following through with offering any mortgage assistance, I question the integrity of this institution. They also stated that updating any reports to the credit bureaus was against the law. If they never would have given the direction to let the account go delinquent, then this would not have happened. I would like for them to report to the credit bureaus as current or unknown for Jan-May 2024 since this was their direction with no mortgage assistance offered.Business response
07/12/2024
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
07/17/2024
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. M&T offered no resolution to anything with their response. In fact, they lied. They did in fact advise that they could only help with mortgage assistance if we were delinquent on mortgage payments. In order to even apply for mortgage assistance, we had to be delinquent. No where in my BBB compliant did I say I was never delinquent. The issue is the only way we could get assistance was to become delinquent. Then they failed to even worked with us on mortgage assistance. The “communication” they are referring to is merely sending out a packet for me to complete. They NEVER followed up. I had to constantly call to try to get help and there was no one person assigned to work with us. Each time I would call I would have to start completely over and often received different paths forward. For example EVERY time I called they asked about HOA documents. Each time I had to start over and explain we do not have an HOA. It was 100% poor business policies, process, and practice. Regards, ******* *****Initial Complaint
06/26/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
M&T bank refuses to respond to two months of complaints on tax and escrow analysis that was not completed properly. This resulted in the increase of my mortgage payment, late fees, and several hours of time spent trying to correct problem. Employees are all in different departments and have not been helpful in moving process forward.Business response
07/18/2024
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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Customer Complaints Summary
691 total complaints in the last 3 years.
211 complaints closed in the last 12 months.