M&T Bank Recenzje 252

First of all I only give them 1 star, because I can not give them a negative rating of 100 stars. M & T Bank is the worst bank. They are even bigger thieves than Key Bank. DO NOT DO BUSINESS WITH M & T Bank. THEY WILL ROB YOU BLIND. They claim they use simple interest and they do not; they use their own type of interest. We have paid $2,467.00 in interest since June of 20024. When you get your statement and it tells you that you do not owe anything for a year. It is a flat out lie; when you start to pay everything goes towards interest alone. They will not apply anything to the principle, because they are thieves.

This company will go under, so watch. I have so many complaints not going to bore anyone. Just know one thing RUN don't Bank here

First of all I have had this bank for many years. It wasn’t until I had tried other banks that I realized how bad they are. The company is bad enough but the employees are worse. All the branches that I’ve been to have stopped letting you pick up new cards from branch. The fraud issues I’ve had in the last year has been crazy bad and they blamed me and made it out to be like I am doing it on purpose. Yeah right like I wanted to have to go into the bank to get my paycheck and fight to get back to work because I work during bank hours.

actually i have merchant service with people united bank for long time and i have no problem with them. since M&T take over people united bank my my merchant fee , transection etc get dabble i call the customer (8 times in 64 cullender days ) service for rate rewove. then the customer service agent forward my call to the rate rewove teem. the last thing i was lose $7450.00 in rate just 4 billing statement . this is the over charge amount the have done. I'm not reamending any one to go there M&T merchant banking . thanks

To much security issues. Switched to another bank dont recommend m&to at all

Absolutely disgusting company. Mark and Debbie both Supervisors in the mortgage department took my escrow check from our insurance company and told me there was no other way to pay but with them over the phone. Paid this back in April 2025. They put in in the wrong account blamed " back office" and made our escrow account look like we were 1900 short!!!! Not $500!! Called multiple times being told by them both they would fix it only to have our mortgage still reflecting 1600 ( $200 ) more then it should be. Told me they wouldnt change it due to to it not being a bank error!!!!!!!! So they take your payments over the phone, place in wrong account, and its not a bank error.

They'll come back on here and say " call and speak with them " they do not do anything they say they will do.. they take your money with no responsibility and blame it on customers fault for their mistakes of putting it in wrong account. They also have no way of being directed to the managers you speak with because they said they cant be held accountable.. run, run, run from this deceiving company

Had a car loan with these guys for only two months because I traded it in. The loan still shows open (not paid off) on my credit report. So, I tried to log in to my account, and they closed the account online, so I have no access to any of the information. I called, and they asked me to verify the account by telling them my payoff amount. I don't know that! I asked if I could verify the account another way; they said no. I said I just need you guys to report to the credit agencies that this account is closed and paid off. She said, "I'm putting you on hold to see what I can do." Never came back. Rude! And so now I still have an open account with them on credit reports.. even though it’s been closed for months! Terrible group with a miserable customer service person.

The worst bank ever. I had a 75 month installment loan for my car. I made 67 out of 75 payments on time. I was late 8 times due my my divorce. Even though i made all payments and recieved my title, these guys are reporting my loan as a charge off. It is impacting my credit score by 100 points. I think they do it for tax purposes. How is it poossible that i paid off the loan and they charge it off. Its very unfortunate.

No online access to credit card accounts. Part of their verification process is that they ask you for the first 5 digits of your SSN, anyone see the issue here? And to top this, a change of address requires that you give them your full SSN!! And that's not even all of it, they record the calls, and the representative CAN also see your SSN. This looks like a scam bank, not a real bank. This is beyond ridiculous. How do they guarantee that employees don't take screenshots of PI? If they get hacked, it will be the easiest access to SSNs ever because all they need to do is listen to the recordings and open the excel tables where all the SSNs are kept for verification purposes.

Wish I could give less than one star. Horrible Customer Service access.. Actually no Customer Service help online or calling branches. I just acquired a new loan from them and wish to make a payment. I received aero information or help as simple as talking with a real person. Horrible .

Nothing but a runaround. We are doing a loan assumption between my sons. He was approved but they failed to let us know they closed the file. We had to reapply and they denied the 2nd time. They are horrible with communication and have given us nothing but a run around. The original loan was bought out by M&T, I would NEVER recommend!!! Awful.

This is a joke of a bank. Financed an RV through them at the dealership. Paid monthly payment for a few months and then Paid the loan off through their archaic banking portal.(Seriously just a step above smoke signals.....) After a month or so I got a statement saying the payment didn't go through and that I owed fees. It never hit my bank so my bank can't tell me what happened. M&T closed my online access to the account when they said I paid off the loan which I verified through their online banking department. I had online statements only and I am trying to figure out why my pay off didn't go through and get them paid, but they won't talk to me or even send me a payoff statement without knowing what my last payment amount was, which was the payoff amount. I have no Idea what that number was since it never hit my bank account and they have me blocked out of online access! I have spent over an hour on the phone and talked to 4 different people so far and now they say they will have to call me back. So I guess their tactic is to just try to ruin my credit while amassing late fees and interest. This is even after verifying my SSN and all other pertinent information to the loan. All the information they are requiring for me to talk to them they have blocked access to. This has to be illegal. A hot poker to they eye would be better than dealing with these people. Run away. I fully expect that they will say that this is to protect people yada yada yada, but sending a payoff statement to the address on the account or to the email on the account would be doing the person that has the loan a favor and be alerting them to possible fraudulent activity, not a security risk. Everyone says the same thing, "I can't help you because we have to follow procedure." I do understand the importance of procedures, however when your procedures are offering zero protection and just a blind religion you're employee drones are following so they can keep their jobs instead of using common sense, It's just ridiculous.

This incompetent company acquired our mortgage in early 2025, our home insurance policy and windstorm policies combined went up roughly $450 ANNUALLY. M&T Bank raised our MONTHLY payments $800. Apparently they don't understand what annually means. Also, we have been getting an "other" charge that nobody in this company can explain to the tune of another near $200 a month. Our entire payment has gone up over 30% due to the incompetence of this bank. I get taxes increase, but I dont think they increased $800 a month.

After banking with them for 20 years, they were no help when I needed them. Despite having a great credit rating and continually being called a valued customer.

My experience deserves ZERO stars. As a first-time homebuyer, I was forced to use Corelogic through M&T Bank's program, and it's been disastrous. Just two months into my mortgage, they incorrectly disbursed funds from my escrow account, creating a significant shortage. This error skyrocketed my monthly payment by $653.19, a 28% increase.

My mortgage, initially 50% of my income (what M&T needed to approve me), is now an unsustainable 78% because I effectively paid a year of escrow in advance, only for them to mismanage it. Now, I'm forced to pay my entire second year's portion upfront. Money that I could make more money with or at least the current interest rate.
Despite their mistake, Corelogic or M&T has offered zero support or communication, leaving me stuck paying a mortgage that jumped from $2,200 to $3,000. My attorney and Corelogic's own data confirmed this was due to their error, not a home reassessment or tax change.

Avoid Corelogic and M&T Bank's first-time homebuyer program at all costs.

I closed my business account because of unnecessary and unreasonable fees. The bank wrote me checks made out to the business and then refused to cash the checks because they said business checks cannot be cashed. They are really incompetent.
I am following up with an update. A few days later - after I filed a BBB complaint - the Bank figured out how to give me my money back. I'm keeping the rating at 2 stars, which I think is quite generous.

shady bank with shady practices and tons of fees, horrible customer service and awful banking system

Worst bank ever. Someone tried to cash a check in my name and they flagged it and closed my account and kept my social security check without even telling me. M&T shouldn’t be illegal. This happened to a friend of mine too. Stay far away from them. Please save your friends and family from this horrid ‘bank’ too.

WARNING: Deceptive Practices and Incompetence at M&T Bank

If you value your time, money, or sanity, STAY FAR AWAY from M&T Bank.

I opened a new account online in response to their $500 promotional offer, fully completed the application, and even received a debit card, checks, and a welcome letter. I redirected my Social Security income to them—only to be told after the fact that my account “never existed” because I supposedly didn’t respond to an email I never received.

That’s right—no notification, no U.S. mail, no phone call. Just an invented excuse to deny the bonus they promised. I checked my inbox and spam folder: the only emails I received from them were standard welcome messages, not one word about verifying my identity. Yet they had no problem sending me checks, a debit card, and a closing statement later.

When I tried to fix this in person, I was offered a pathetic $100 instead of the $500 I was promised. This is classic bait-and-switch behavior and reeks of corporate dishonesty.

Worse yet, M&T’s screw-up forced me to travel in person to the SSA to fix my direct deposit. Hours wasted. Stress inflicted. Financial disruption caused—all because of their internal failure.

Their left hand has no idea what the right hand is doing. Emails say one thing, letters say another, phone reps say something else entirely. If this wasn’t so maddening, it would be laughable.

I have already filed formal complaints with government regulators and intend to explore legal action.

Avoid this bank like the plague. If this is how they treat new customers, imagine what they’ll do with your money.

I have banked with M&T for 35 years. Until this week, I had 3 personal accounts and 3 business accounts, one of which was a business credit card. A few weeks ago, I reported my business credit card was lost/stolen and was issued a new one (1st time). Then my business checking and savings accounts were closed without notice. This caused several accounts on autopay to go unpaid. I went into the branch to open new accounts. Today, I tried to use my business credit card and discovered that it was also closed. After 37 minutes on the phone with the call center, I still have no answers. For reference, I do not move large sums of money, I have a credit score in the upper 700s, and none of my credit cards have ever been anywhere near the limit. Avoid M&T.