M&T BankReviews of mtb.com

I wish I lived where Miguel (below review) lives. I've experienced some very good customer service, but more horrendous customer service mostly from one individual the manager apparently won't reign in. The manager, nice when cornered, does everything in his power to avoid contact/work. Little to no follow up to concerns, complaints, issues unless....cornered. Unfortunately, on line CS provided completely bogus information as well while other on line CS clarified with facts. App and set up can is also touch and go. Just a massive unnecessary headache I wish I never walked into. These comments reflect at least a dozen experiences over the past year.

My parent's mortgage was sold to M&T. The tax office forgot to file my parent's over 65 and homestead exemptions (they admit they had the paperwork for months and it didn't get entered). My elderly handicapped parents jumped through every hoop to get that resolved before the tax bill was due. M&T ignored that it was resolved and paid the taxes in full from the out of date amount prior to exemptions, raising my parent's escrow payment almost $400. My parents are in their 70's and 80's and on a fixed income and cannot make another $400. My mom has called the bank and tax office repeatedly for months because all the bank has to do is fill out the refund form from the tax office website to refund the overpayment. The tax office tells us no one has filed for the refund yet. M&T lies to her and tells her they check every 3 days and haven't been able to file for it yet. My mom has just started chemo and is sitting here crying this morning after being lied to again and trying to figure out how we're going to come up with this extra money again and looking at claiming bankruptcy.

I have had no say in my dealing with M&T bank when my mortgage from People's Bank was sold to them. 1. They lost my mortgage information in the transfer charging me double mortgage for months without rectifying until I escalated the case after numerous attempts to resolve it. 2. One cannot update address online and requires one to call to have an agent manually do it. I did this multiple time but as of my 3/1/2024 statement my address remained unchanged. 3. Since they did not update my address, the letters they supposedly sent to document proof of insurance did not reach me. Ironically, they were in receipt of these documents as my insurance company had already sent these documents. 4. They decided to charge me about $8000 for insurance coverage for 3 years claiming there was no proof of insurance. This was proven to be false by documentation provided by my insurance company. 5. I re-submitted proof of insurance numerous times and called the insurance teams multiple time spending over 20 hours of my time to get this addressed. The first time I called they told me they had not reviewed my insurance policy thoroughly and will need to re-review to determine if I should be charged. Yet they were charging me already. Each time they would reject an arbitrary reason provided and no one could inform what was the missing information required. 6. Escrow analysis is disaster. A 5-year-old has more competent math skills than their team. I foresee a class action lawsuit in their future. This is the most incompetent, predatory, inhumane and unethical bank I have had the misfortune of have to deal with. I take comfort that I am selling my home so I will not have to deal with them much longer. If you have a choice, please choose any other bank. Even if they had the best rates I would not voluntarily subject myself to this bank.

Terrible front line customer service in the escrow department. I was transferred to someone else (not by my request) when this initial rep became belligerent with me after about 30 seconds, cutting me off, talking over me, etc. To be fair, the person I was trans6974ferred to was very helpful but unfortunately, an impression was made.

I wish I had NEVER opened an account with M&T. I have had accounts with dozens of banks and credit unions, but my experience with M&T was BY FAR the WORST of them all. M&T acted extremely unprofessionally, locking my account for no reason, denying transactions even though I had evidence of those transactions, forcing me to go to a local branch several times, and being completely opaque with my account security. I opened an account with M&T online one day. The next day, M&T locked my account. I called and got it unlocked. Two days after that, M&T locked my account again. Instead of unlocking it, M&T made me go into the branch, which I could not do until after Christmas, to get it unlocked (thanks for ruining my holiday with anxiety). The evening of the day I went into the branch and unlocked the account, I received a phone call from the branch that M&T needed to close my account, all while external transfers were still pending! A short while later, the branch called me back and said M&T did not need to close my account. Later that evening, M&T locked my account yet again. Customer service said they could not tell me the reason it was locked, and that I had to go into a branch again. The next day, I went into the branch, the agent called about my account, but then told me that my account was frozen and under review. She could not tell me why or for how long it would be frozen. This was after I had transferred thousands of dollars to my new account. I called the Fraud Department when I got home, but they also told me they could not give me any information on what was going on. When M&T asked me to fill out a survey about my experience opening an account with them, I explained everything. Instead of an apology, they only sent me a generic response inviting me to contact them with any concerns. Pathetic. M&T, how about you don't lock people's accounts for no reason and actually keep records of transactions that your customers make? These are the most incompetent, unprofessional, and stupid people in the banking business I have ever encountered. I would advise NO ONE to ever open any account with M&T Bank!

Horrible. never seen at this level 1- Account gets locked as notification never comes. 2- For zelle ,had to call fraud dept and got enabled finally after more than 60 minutes on call. 3 - Bank to bank transfer is also blocked. guess what. another 60 minutes on call. 4 - zelle got enabled for few days , just to be locked again and same process need to be repeated for every action on website . 5 - wait time is never less than 30 minutes 6- customer service does not know how to add mobile number on profile that got deleted mysteriously. ticket created with no SLA . 7 - had to go to branch for ID verification after uploading driving license via provided link and getting success message. This bank is failure at so many levels. either shut down app and website so we have no false expectation or make it work for atleast few consistent days

No convenience. No service. I regret opening an account here.

From out of nowhere and for no damn reason, both my accounts were cut off by these buffoons! As of this writing, I have a date to meet and these clowns are about to ruin everything and I am not getting any answers! These bozos are telling me that I have to wait 6 to 9 days for my money, of which I said I do not have that kind of time! In one ear, out the other! Somebody is gonna get held accountable and I am gonna dare anybody in corporate to come run their mouth toward me, I am denouncing M & T as of right now and the next step is a formal complaint to Attorney General William Tong, as if he doesn't have enough headaches from these knuckleheads!