M&T Bank Anmeldelser 

This bank bought my mortgage and I quickly learned that they are deceptive and have poor agents so far as respectful and poor customer service skills. They break federal regulations in dual tracking a temporarily struggling customer by repeatedly rejecting mortgage assistance applications with the same forms with various reasons the customer should redo the forms all the while they progress on with the intent to foreclose and lying about temporarily causing that route until your application has been processed and reviewed. Legitimate questions to their point of contact agents is met with sarcasm, mislead information , and other disrespectful responses. They stated June 24th they had not reviewed my application but they had assigned it to a foreclosure attorney. Every time I had scraped up the two payments behind then the third they made it mandatory to pay one or two more payments in days time and finally attorney fees etc because their intentions are to foreclose and such up the equity and no excuse or hardship or HUD or other credit counseling or weekly calls looking to saving your ho.e or shifting to selling it to satisfy the less than 1/4 the fair market value remaining principle after 18 years of payments never late or less than the full amount ever being a problem until a severe health hardship hit and responsibly we made 2 years of payments without income. If they purchase your. Mortgage refinancing would be my strong suggestion. They are going to be dealing with us for a while i plan to sue, I plan to report to FHA HUD attorney General and the consumer protection complaint department with more evidence than they expect to prevent them doing the same thing or similar things breaking laws and expecting people to give up and be too overwhelmed to build a case. Horrible greedy leadership

I recently tried to open an account at M&T Bank local branch in Long Island New York.
Everything was good until they ran a report on me called Chexsystems.
They said sorry we can't open an account for you. You have a red flag on chexsystems. Chexsystems is like a background check.
I inquired from chexsystems what the problem was. Turns out there was no problem with me.
But M&T has a policy that if you had an account and closed it , they will not give you a new account. I did have corporate account with them for many years. The local branch in west Babylon was delightful. 3 years ago I retired and sold my company. Of course I closed my corporate account. Now I had come back to open a personal account and they refused me saying that
their policy was not allow previous customers back.
How bizarre is that?
BZ at the WB Branch

Worst bank I've ever dealt with for an auto loan.

I called three days in a row requesting a payoff release letter showing that my vehicle loan had been paid in full on 07/01/2026. Each time, I was told the letter would be emailed to me. After the third call, I was finally informed that they do not email payoff release letters. FYI - todays date is 07/15/2026

In this day and age, it's hard to believe a financial institution cannot securely email such an important document. Instead, I was told I would have to wait 7–10 days for it to arrive by mail, delaying my ability to complete my transaction.

The lack of communication, inconsistent information from customer service, and outdated process show very little regard for their customers' time. I would not recommend this bank for an auto loan.

This is by far the worst bank I have ever dealt with. My mortgage loan was transferred to this bank, and I've never had these issues with my previous lender. I have always made my payments by the due date, and my previous bank had no problem accepting partial payments throughout the month.

This bank refuses to accept partial payments unless they are made exactly the way they want them. I was even told by one manager that I could call in and make a partial payment, but when I tried, that wasn't even an option. I have spoken with six different representatives, and every single one has given me a different answer. No one seems to know the actual policy, and there is no consistency in the information they provide.

Instead of helping me make my payment, they spent more time trying to tell me how I should manage my finances. They repeatedly suggested refinancing my mortgage, even though I already have a great interest rate and have no interest in refinancing. I don't need financial advice—I simply need a bank that will accept my payment and provide accurate, consistent customer service.

The customer service has been rude, unhelpful, and frustrating. I have always paid my mortgage on time, and this experience has been incredibly disappointing. If you value clear communication and customer service, I would not recommend doing business with this bank.

M&T just took over my mortgage and it has been very difficult to pay my mortgage! So hard that it seems like a scam to charge me fees! All they have to do is give my my mortgage account number, why didn't they send it to me in the mail?! I am on the border of being late on my mortgage - First they told me that I have to come in to a branch in person, but after explaining that they have no branches withing 2000 miles (!) they told me that I need a video appointment - so at two weeks late now trying to pay my mortgage... We'll see if it can be done!

If I could give them zero I would. Our mortgage got transferred to them. Our first payment went up $400 when nothing had changed. They said they received it like that but we have proof that that isn’t correct. They keep getting our county wrong as well. They say they’ll look into it. It’s been two weeks and still nothing. I am beyond frustrated with them. $400 extra each month adds up.

Worst Bank ever deposited money into the ATM machine froze now have been waiting three days. Supposedly I will get my money next week. What a joke.

M&T is the best bank I ever banked with. I’m nearing 70 years old so I’ve belonged to many banks in my life.
I’ll sum it up. Even though I’m far from well off, basically living month to month on Social Security anytime I reached out to M&T for a variety of reasons I am treated like I’m the wealthiest customer they have. I really appreciate the customer respect and very patient and friendly customer service I am giving.
Thank you M&T

WOW what a bunch of Bozos, first I'm talking to someone in another part of the world(not understandable)... asked to speak to rep in the USA. Then to make matters worse (after getting to rep based in USA)Michelle is not able to email "payoff" amt or as M&T calls it (pay to zero balance), glitch in the system. All as I can say they get triple thumbs down on any and all correspondence using the phone. What a waste of time!!!!!!!!

In an attempt to pay my loan off, it took 4 phone calls. 2 of the four phone calls I was not able to understand due to a language barrier and asked to be transferred to someone else and they said they did not have that option so I had to keep calling until I got someone I could understand. After paying my loan off they will not send me anything proving I paid the loan off!!! What!!! This is ridiculous! I gave the $12,000.00 and they will not give me a receipt. I will NEVER use this bank again. If you give a bank that much money and they refuse to give you a receipt, HUGE RED FLAG FOLKS!!!!!!

I have an existing FHA mortgage serviced by M&T Bank and am currently in Chapter 13 bankruptcy. I recently learned that approximately $1,950 in bankruptcy attorney fees/costs were charged or requested on my mortgage account.

When I asked for a clear breakdown, the only document provided through M&T/SouthLaw was a one-page ledger. It listed vague entries such as “MFR fees” and “MFR costs,” but did not explain the specific attorney work performed, why the charges were assessed, invoice details, dates of legal work, or whether the fees were approved through the bankruptcy process.

This happened during an extremely difficult financial period while I am unemployed and trying to keep up with my mortgage and household expenses. In my opinion, M&T should not be charging or requesting large bankruptcy attorney fees without clear, itemized, verifiable documentation. I would strongly caution mortgage customers to review every fee and demand proof for any legal charges added to their account.

Completely incompetent! Waited over 6 weeks for my car title after my loan was paid off. Made multiple phone calls requesting the title. I was told repeatedly it was being mailed only to find out it never was mailed and never would be. It was electronically released a month prior. No one we talked to gave us this information. They repeatedly lied to us saying they could "see" it was mailed out.

Absolutely THE WORST bank. I have never had any hassles with a bank until M & T took over. Started on Day 1 when they insisted there would be no problems with the takeover of my old bank. Their errors cost me hundreds. Their employees have a horrible attitude and are unhelpful. Their tellers have you fill out paperwork and as soon as you are done, oh they forgot the system is down, go use the ATM. They will not help with disputed charges on your debit card. They don't care if is not valid, they offer no assistance whatsoever. Go to any other bank. M & T is worse than any of them.

If u could leave 0 stars i would. I have 5 accounts with them and every other week have to call customer service answering a million questions to access my money because they have constant updates blocking Zelle payments or online banking access or random reasons or excuses they give as to why their app doesn’t work. To not be able to access your money or make business transactions makes this bank irrelevant to its necessity. Cannot wait to transfer all my money somewhere else. I’ve been with this bank for over 7 yrs and longer with accounts at navy federal, Chase and TD and the M&T has been most consistent n having issues.

Description of Error
Disclosed Payment: According to my finalized Closing Disclosure (CD), my total monthly mortgage payment was legally disclosed as $4,995.47, which explicitly included a monthly projected escrow payment of $1,267.60.

Actual First Bill: Despite the binding disclosures signed at closing, my very first monthly billing statement demanded a payment of $5,799.00.

The Cause: Upon investigation, M&T Bank's escrow department failed to realize prior to closing that the escrow account was in a shortage position.

This shortage should have been calculated, straightened out, and properly disclosed in the loan documents before closing. Because it was not, the bank is now improperly attempting to collect a payment that drastically deviates from the legally binding closing documents.

Customer service is horrible. Communication even worse. Do not recommend as a service provider.

We opened a checking account and received a $200 bonus as promised. Great customer service.

It was a pain to set up my account and it also wouldn't let me make a same day payment on my house!!

Wouldn't recommend. I called 302-724-2440 7x and LM 3x. No one called me back. I sent a text 2x and got no response. When I went to the branch, I was told that M&T doesn't have a text service, but the texts went through on my phone. I emptied my checking account because M&T couldn't close the account because two charges "items" hadn't "cleared". I have to visit the branch AGAIN in order to close the account -- an unnessary and inconvenient errand. Also, when I signed up for the account, the representative didn't give me a card for the local phone number. And the service was exceptionally slow and the rep didn't seem to understand that my time is valuable. There was only one teller and SHE was also exceptionally slow.

M&T Bank stopped taking over the phone payments for my mortgage. That was always easy and convenient to use. And they replaced it with a shit automated system that regularly drops the call on you. It also makes it difficult if you're trying to make an extra payment. Or an additional amount to be applied to the principal. Horrible customer service.