M&T BANK CORPORATION


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"Products" offered by M&T BANK CORPORATION with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt or credit management - Mortgage modification or foreclosure avoid
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Manufactured home loan
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - USDA mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Loan

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Complaint ID: 8313229

Date Received: 2024-02-08

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: My account was opened XX/XX/24 using promotion code XXXX whereby I was supposed to receive XXXX for direct deposit. After opening my account M & T claimed they couldn't verify my identity despite have multiple other accounts with them. So I went to the branch to present my identification and was advised my account was cleared. However, shortly thereafter a hold was placed on my account and direct deposits were rejected. So I called and was told the hold was cleared but then my initial funding deposit was sent back and the representative was supposed to research it but never got back as to why. I then sent multiple messages requesting a bank letter that my account was open and in good standing since my direct deposit would not issue it again since it was rejected the last time. Then on XX/XX/24 I got a note that my account was closed. No reason was given and this entire process has been a nightmare of customer service failures.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NY

Zip: 117XX

Submitted Via: Web

Date Sent: 2024-02-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8313078

Date Received: 2024-02-08

Issue: Other transaction problem

Subissue:

Consumer Complaint: My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My husband is from Brazil, and we were planning on retiring and moving to his home city in Brazil. I transferred money from XXXX XXXX M & T Bank, then wired that money from M & T Bank to my husbands account at XXXX de XXXX. His pre-married name was XXXX XXXX XXXXXXXX XXXX XXXX. His married name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX would not release the money because the account was in his pre-married name, which did not match the M & T account name. They said they would return the money to M & T Bank in 90 days. In the meantime, M & T Bank froze my personal and business accounts because of the large money transfer, which was out of character for our account. They said they need proof of what the money was used for. They want to see a contract of real estate sale. When were down there, the stress of XXXX de XXXX, plus many other stresses made us decide to not live there. So now we do not have a contract to show M & T Bank, as we did not buy the real estate. ( Do they need proof of what we used the money for? They see it came from XXXX and went to XXXX de XXXX, both reputable businesses ) So, without this real estate contract, M & T Bank is closing both accounts. There will be no account to receive the {$90000.00}, which will then be lost. In the meantime, because the accounts are frozen, check have bounced and XXXX payments have been refused. Our credit score is dropping because of them.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 32960

Submitted Via: Web

Date Sent: 2024-02-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8312192

Date Received: 2024-02-08

Issue: Trouble during payment process

Subissue: Payment process

Consumer Complaint: The NJ State of HAF Assistance funds approved me for mortgage assistance. I am in a active XXXX and need court approval to accept the funds, when the state approved me they originally approved me for XXXX XXXX, which would have paid me through XX/XX/XXXX. But they XXXX court hearing would did not take place until XX/XX/XXXX so they awarded me additional funds to include my XX/XX/XXXX payment meaning I would not make my payments until XX/XX/XXXX. I have included both award letters. M & T bank my mortgage servicer received the funds and misapplied my XX/XX/XXXX payment to my escrow balance which resulted in them sending me an escrow overage check iao {$420.00}. I called M & T bank on many occassions and the XXXX Team confirmed my payments were misapplied but the HAF assistance team there at M & T bank claims the funds were not misapplied and refuse to reverse the funds. I have spoken to several managers and they have told me that they will cancel the escrow refund check and reverse the funds, however every time I contact them they claim HAF Team refuses to reverse the funds they misapplied, they asked me to send both award letters which I have been told to file the complaint with you to have you assist me. The state of NJ and the title company both told me the funds iao XXXX XXXX included my XX/XX/XXXX payment. I would like to make my XX/XX/XXXX payment but I need them to reverse my XXXX funds they applied to escrow and reapply it to my XX/XX/XXXX mortgage payment. Again I would not have a escrow overage if they had not applied my XX/XX/XXXX to my escrow balance in error.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NJ

Zip: 08081

Submitted Via: Web

Date Sent: 2024-02-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8301355

Date Received: 2024-02-07

Issue: Trouble during payment process

Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo

Consumer Complaint: I contacted CFPB then I believe the representative hung up or I got disconnected on XX/XX/XXXX. I then called M & T mortgage trying to determine why is my mortgage being transferred to XXXX XXXX. I asked what was the reason for it being transferred and they simply said it is a common practice. I am trying to determine why my mortgage was transferred from M & T to XXXX XXXX. This company is under a second lawsuit because hackers stole client information as you can see below due to careless security. This is my XXXX time being transferred for my mortgage. I am not in bad standing and always paid my mortgage on time. Again my question is why is my mortgage being transferred to this company and it appears they are not good in protecting my information. I would like to remain with M & T. What is the lawsuit against XXXX XXXX? XXXX XXXX hit with second lawsuit over massive mortgage loan Mortgage loan giant XXXX XXXX is facing a second class-action lawsuit after hackers stole the personal information of XXXX XXXX customers in late XXXX. The latest lawsuit, filed XXXX XXXX in federal court in XXXX, accused the XXXX company of being careless with its security of customer information.XXXX XXXX XXXXXXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: GA

Zip: 30038

Submitted Via: Web

Date Sent: 2024-02-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8293380

Date Received: 2024-02-07

Issue: Managing an account

Subissue: Problem using a debit or ATM card

Consumer Complaint: I filed Victim Case with the Internet Crimes Unit of FBI - on XX/XX/XXXX. The bank which sent the funds was M and T Bank and the Funds were wired to XXXX XXXX on XX/XX/24. I had my flights canceled by XXXX XXXX. XXXX didn't credit me enough funds and the new flights cost more. XXXX only communicates through XXXX XXXX. I had no luck initially. Then an agent sent me a form to fill out and said she would look into getting me the extra funds to rebook. She couldn't rebook so said I should rebook on my own and they would credit me the funds as well as a voucher but it would take a few days and she would get back to me. The vouchers didn't work and I posted on XXXX. The scammer then messaged me on XXXX XXXX -- and said they found a way to get me the funds instantly. They had a XXXX logo and it said they were a XXXX customer service supervisor. They said they could make a XXXX time exception and credit the funds if I filled out a form. Then they messaged me the same form I had filled out for XXXX with the flight codes and my name and address and other identifying information. It was a copy of the same exact form. They said I needed the XXXX XXXX app. and that I should set up the account with the same info I provided bc that is how XXXX would give me instant funds. He asked for screen shots to assist me. He asked for XXXX XXXX as an option which I didn't have. Then he somehow had me type in the verification code that he had received. He asked for my debit card which I entered and I have a screen shot that says XXXX XXXX will RECEIVE funds. BUT -- - it wouldn't complete ... according to XXXX XXXX app. But apparently it did. So, then he said to put in a different card. I put in XXXX XXXX debit and XXXX XXXX INSTANTLY texted and called me and alerted me to the fraud and didn't allow it to go through. I hung up and instantly called M and T bank Fraud -- who put me on hold. While on hold I went online and cancelled my debit card so no further damage could be done. The woman at M & T said I had to wait until my account no longer said " pending '' and then call back, but I called back the very next day. That woman said I could report the fraud at that moment and took my report. She said I should have called XXXX XXXX to stop the day before when the woman hung up and said she couldn't help me. I called XXXX XXXX They said an account had been created in my name and they shut it down. They blacklisted the numbers and accounts that the money had illegally been wired to. I faxed screen shots of the entire XXXX XXXX interaction, the report to the Crimes unit, to M & T - they said they would investigate and gave a provisional credit. They denied the claim and said they will take the funds back out on XX/XX/XXXX because they have their own rules and do not follow any rules which require them to cover personal checking fraud or wire transfers if the customer gave the number out for the card. This is in violation of the EFTA. I called the bank again and asked for XXXX. They said those are the rules and this sadly happens many many times but they don't credit their customers. I asked for legal department or fraud or the dispute department and they said all back office and I may not speak with them. A different supervisor then emailed the dispute area again with my concerns but didn't expect they would follow any federal rules but only their own rules.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CT

Zip: 060XX

Submitted Via: Web

Date Sent: 2024-02-07

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8289429

Date Received: 2024-02-05

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Consumer Complaint: A cash advance was fraudulently charged to my credit card, which was investigated by the bank, who honored my claim and removed the charge and all associated fees. However, I later noticed that the same dollar amount was charged to my checking account as a " cash advance '', not a simple withdrawal, without my authorization.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CT

Zip: 06360

Submitted Via: Web

Date Sent: 2024-02-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8287090

Date Received: 2024-02-05

Issue: Closing on a mortgage

Subissue: Trying to communicate with the company to fix an issue with the loan closing

Consumer Complaint: M & T Bank closed my account over night after final payoff was made. They have no responded to my two ( 2 ) requests for : 1 ) Final accounting 2 ) Where are my escrowed funds 3 ) When will satisfaction of mortgage be recorded. They have removed my ability to view any information whatsoever- they closed my on line account and have provide NO INFORMATION WHATSOEVER. This is vital information for me as my real estate taxes are due this month and I am relying on escrowed funds to make the half year tax payment. I have receive no reply to my requests and received no information ; have not received escrowed funds ; a satisfaction has not been recorded.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: OH

Zip: 455XX

Submitted Via: Web

Date Sent: 2024-02-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8272844

Date Received: 2024-02-02

Issue: Other transaction problem

Subissue:

Consumer Complaint: XXXX Unauthorized Transaction. I contacted the company on or about XX/XX/XXXX which was a Thursday to make a complaint of an unknown authorized transaction claim # XXXX Account ending in XXXX when i spoke to the rep on the phone they stated it looks like you authorized the transaction and M & t most likely will not refund you your money This was on a Thursday I received a letter in the mail dated XX/XX/XXXX which was a Sunday stating that they completed a Thorough investigation which i highly doubt based off of the time frame of the complaint and the date of the letter. I received this Letter on XXXX This was a XXXX TRANSACTION through XXXX and my Bank soon as i was made aware and seen the transaction on my transaction history I did not hesitate to call the Bank. According to The Electronic Transfer Act i Have 60 Days prior to the discovery of any unauthorized transactions to make the bank aware according to this act the consumer is liable for XXXX of the unauthorized transaction I need to be refunded for this transaction. Soon as I got the letter I reached out to my bank, and they gave me no answers they said XXXX would reach out to me and I contacted XXXX and they told me to reach out to my financial institutions again i got no answers. I Have attached the letter response from M & T. Also M & T was involved in a data breach back in XXXX and they stated none of my information was leaked however this unauthorized transaction may be due to this issue I have also attached as well. I plan on making a complaint with the comptroller of Currency and the Attorney General 's Office as well as the FTC. I am asking to be refunded for this unauthorized transaction I know the bank has filed a claim and they will be paid regardless so I need to be refunded for this unauthorized transaction. M & T should also not be providing 3rd party information to non affiliates without my written consent involving XXXX which is a direct violation of The Privacy Act of 1974 also holds fines up to XXXX for providing such information that i never consented to giving.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: PA

Zip: 173XX

Submitted Via: Web

Date Sent: 2024-02-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8260736

Date Received: 2024-01-31

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: The issue is after transferring the balance from my M & T credit card of XXXX, so I could close this account, I logged into the account, and now it is stating I owe XXXX and that was AFTER the transfer. I added all the purchases and it totaled {$1300.00} and some change, and then I subtracted the payments made for that entire month, which left me with the balance of XXXX. That is the amount that was transferred. There is nothing showing that I made XXXX in purchases.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: PA

Zip: 178XX

Submitted Via: Web

Date Sent: 2024-02-02

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8259116

Date Received: 2024-01-31

Issue: Managing the loan or lease

Subissue: Billing problem

Consumer Complaint: I made extra payments as they stated to do to pay the principal balance and they refused to apply the extra payment towards the principal as they stated it would be. Spoke with XXXX XXXX refused to correct what was supposed to be applied to the principal balance. I was told by XXXX that the bank policy overrides any laws federal or state.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: TX

Zip: 77386

Submitted Via: Web

Date Sent: 2024-01-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.