m&t Bank Corporation

i have attached 2 complaints. i attempted months ago to address this iissue yet this agency took no action and the bank continued to come down upon me and now i am in a crisis i have done nothign wrong yet am at risk of losing my home! i asked over the phone for information regarding my previous complaint and was hung up on by a woman who pretended she had no idea what i was talking about. this is unacceptable!

I called M & T bank multiple times ( specifically, spoke to representative XXXX XXXX ), and my credit card charge dispute was dismissed. I purchased flight tickets with XXXX XXXX which recently went bankruptcy. I did not receive my refund, and have never flown using the above tickets. Representative XXXX XXXX refused to file my credit card charge dispute, stating that because a plane ticket was issued the dispute is invalid. When asked about relevant bank policies, she refused and stated that she wil not give out additional information. When asked to escalate, she said she is already a supervisor. However, after escalating again, she then provided XXXX names of her supervisors. I am filing a complaint against XXXX XXXX and M & T bank given that under the Fair Credit Billing Act, I have the rights to dispute charges on services not delivered. In this case, the flights were never delivered. XX/XX/XXXX, the U.S.…

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On Thursday XX/XX/XXXX I went through the drive-up ATM at M & T bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I attempted to withdraw {$1000.00}. The ATM asked if I wanted to change the bill mix and I selected that I did. I could hear the machine counting the money, but it never dispersed it. A message appeared that the machine was now temporarily out of service. I pulled out of the drive through and entered the building where an M & T employee said the machine was finicky. She filed a dispute for me immediately and then sent me to the counter to receive the withdraw of {$1000.00}. My online account showed {$1000.00} ATM withdraw ; {$1000.00} credit and then {$1000.00} teller withdraw. Yesterday morning M & T took the money back and when I got home there was a letter stating they were denying my claim because it was properly processes. It couldn't have been processed properly because I didn't receive the money.…

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On XX/XX/year>, I call M & T Bank to close my account. I spend 41 minutes on the phone, because I am told I need to withdraw all funds before I can close my account. I am unable to setup external transfers on the app, so eventually the representative tells me that I need to go into a branch a branch to setup external transfers so I can zero-balance my account for closure. On XX/XX/year>, I go into a branch to setup external transfers. This takes 30+ minutes. Eventually we are able to allow external transfers on my account ( or so we thought ). In the following days, I continue to receive errors on my external transfers. On XX/XX/year>, I go back into the branch to withdraw the remaining funds in my account. I leave the branch with a balance showing in my account of {$0.00}, as directed by M & T Bank to close my account. On XX/XX/year>, I called M & T Bank to close my account. They tell me that they are unable to close my account due to pending interest.…

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After my card details were stolen and an unauthorized transfer was attempted, I canceled my debit card and ordered a new one ( XXXX ). On the call, I was told I would receive my card within XXXX business days. Once 7 days had passed, I went to a branch in person on multiple occasions to inform staff that I had still not received it. After XXXX weeks, I had still not received my card, and I called M & T Bank to figure out what the problem was. They told me they would immediately send out a new card with expedited shipping, and I should receive it within XXXX business days. As of now, it has XXXX business days since I reordered a debit card, and I still have not received it.

A Check was deposited into my account, later in the day my digital banking was blocked, so the next day M & T bank employe called and said my account was restricted.. I asked was there anything wrong with the check and was told they only restricted my account until they can verify the check, again I asked is there something wrong with the check and the bank employee hung up on me so I called back and tried to record our conversation and she hung up again

My business received notice by email from M & T Bank on XX/XX/2026 regarding termination of XXXX XXXX XXXX, including ACH Origination and Wire Services with a 30 days period. The services were terminated on XX/XX/2026. My complaint is not regarding the banks business decision to terminate those services. My concern is that following the termination, I have been unable to adequately access essential historical banking records and payment documentation needed for ongoing business operations. Specifically, I need : * ACH payment confirmations, * proof of payment to vendors, * transaction history, * account statements, * downloadable/exportable reports. I attempted to contact the bank after receiving the notice in an effort to discuss the situation and preserve access to necessary records, but I have not received a meaningful operational resolution regarding records access.…

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A {$3000.00} payment was withdrawn from my bank account and successfully applied to my auto loan. The payment showed as completed on both my bank account and loan account and remained posted for around XXXX month. After about a month, the payment was reversed by the loan company without my authorization. However, the funds were not returned to my bank account, and I was not given any clear explanation of where the money went. I contacted the company to request information regarding the reversal and the whereabouts of the funds. I was told they do not have the money and could not provide details on where it was sent or why it was removed from my loan account. As of now, the {$3000.00} is unaccounted for, and neither my loan account nor my bank account reflects the funds. I am requesting a full investigation and trace of the payment, as well as correction of my account and return of the funds.

I was approved for a loan workout in XX/XX/XXXX. I paid the loan request immediately, only to be told this payment was 'too early '. When I was able to scrounge up another payment, I paid them accordingly, but was delinquent. When I paid another payment in XX/XX/XXXX, the payment took 3 business days to debit from my account- in which time other creditors have debited money from my account, causing this payment to come back NSF. I want to understand why this payment took 3 days to debit ; i do not have this problem with any other debitor, it should not be an issue with a large bank. As a result, my workout renewal has been denied and now I am in the foreclosure proceeding. This feels like a concerted effort by XXXX XXXX XXXX XXXX to make it difficult to keep my home and to being foreclosure proceedings. I have offered in good faith to pay XXXX XXXX XXXX XXXX only to be rebuffed in attempt of payment.

Please review documents enclosed.Please delete and Block M & T bank XX/XX/XXXXXXXX from all credit reports as well as unauthorized and inaccurate inquiries such as XXXX XXXX ( XXXXXX/XX/XX/XX/XXXX, XXXX Bank ( XX/XX/year> ) XXXX XXXX XXXX ( XXXX ), XXXXXX/XX/XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XXXX Bank XXXX XXXX ( XX/XX/year> )

I had a debit card dispute with M & T Bank. I received a provisional credit which was later reversed under 'REVERSE PROVSL CREDIT DISPUTED TRANS. ' I disagree with the banks decision and know this transaction was unauthorized, or improperly investigated because I DID NOT have possession of my card. I am requesting a full review and reinstatement of the funds. Date : XX/XX/year> Amount : {$76.00} XXXX : XXXX XXXX, XXXX CT

My mortgage servicing transferred from M & T Bank to XXXX with only 5 days advance notice. M & T can not confirm the transfer date and appears to still show the account as active. XXXX is using an escrow transfer balance of {$1000.00}, which I can not verify, and this has resulted in a large escrow shortage and payment increase. I need both servicers to provide the transfer date, final escrow balance, escrow transaction history, and transfer reconciliation.

On XX/XX/XXXX I deposited a settlement check. The check was cleared by M & T bank by XX/XX/XXXX. All morning and afternoon on XX/XX/XXXX my card was working with no problem. After work around XXXX on XX/XX/XXXX Im at the store to purchase item and my card declined. I signed into my account Im unable to access has this my account has been blocked. I called and no one can tell me whats going on. Never got a text or email until the next day XXXX XX/XX/XXXX after I visited the branch. I went to the bank and still no one else can help me and they just told me I have too wait. Now I have no money to feed my kids and this is the most unacceptable thing I had to deal with. I was told I would be called in 24-48 hours and still nothing Im doing all the calling and sending the documents I have and still nothing

I am filing this complaint because the companies involved have failed to provide required servicing records, have given contradictory information about ownership of my VA mortgage, and are missing more than a decade of payment history that federal law requires them to maintain and transfer. According to M & T Bank, they began servicing my loan on or around XX/XX/XXXX. However, when I log into my M & T Bank online account, the earliest available mortgage statement is from XX/XX/XXXX. There are no statements, no payment history, no escrow records, and no tax documents for the years XXXX through XXXX. This missing period is significant because it covers the exact years when : XXXX XXXX XXXX allegedly originated, serviced, and later paid off earlier versions of the loan ( XXXX, XXXX, XXXX ). XXXX XXXX XXXXXXXX allegedly transferred or assigned the loan. M & T Bank allegedly began servicing the loan. XXXX XXXX XXXX allegedly became the owner/creditor.…

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Under went loan modification XXXX for a new 32 year loan with the amount of {$460000.00}. XXXX M & T bank changed the loan amount to {$430000.00} ultimately decreasing my credit amount by {$26000.00}. I started a dispute XXXX and it was investigated and reported back with no changes. I requested the loan modification documentation that was signed by myself, my wife, and XXXX XXXX ( M & T bank Assistant Vice President ) agreeing to the new loan amount of {$460000.00} on XXXX. My credit has been reflecting the new amount until altered on XXXX. Called M & T bank XXXX where no one could provide information as to why it was changed, who made the change, why it was altered, and how long it would be to fix the issue.

Im a XXXX XXXX XXXX in XXXX, CT, trying to make an honest living. It doesn't make senseand frankly, it doesn't feel legalthat a bank can force me to sign a contract that they treat like a " blank check. '' They basically told me they can ignore my instructions, lose my money, and then hide behind their own rules so they don't have to pay me back. The Law vs. Their Contract : M & T is trying to tell me that Sections 23a and 24 of their contract give them the right to ignore my instructions. But these clauses should not be allowed to " validate '' away the actual laws that govern banks. Under UCC Article 4A, a bank has a legal duty to follow a customers payment instructions with ordinary care. A bank shouldn't be able to use a boilerplate contract to opt out of the law or to protect themselves from their own corporate negligence. Heres exactly what happened : On XX/XX/year>, I went to my local branch to send {$47000.00} USD ( Ref : [ Insert Ref # ] ).…

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I am submitting this complaint regarding M & T Banks handling of my mortgage account and their Estate Services department.I have made multiple attempts to communicate with M & T Bank regarding my status as a successor in interest and to resolve ongoing servicing issues.Despite providing documentation to establish my relationship to the borrower, I have experienced repeated obstruction and lack of assistance.Most recently, I contacted M & T Banks Estate Services department and spoke with a representative named XXXX, During this interaction, XXXX did not provide any meaningful assistance regarding my account, she stated that I needed to communicate with the banks foreclosure attorney.since I didnt get the deed transferred into my name thats what she said.This response is concerning for several reasons M & T Bank , as the loan servicer, has a legal obligation to respond to borrower inquiries and Notices of Error under RESPA .…

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My checking account with M & T Bank was closed without prior notice on XX/XX/year>. At the time of closure, the account held approximately {$16000.00}. I was instructed by the bank that I needed to appear in person at a branch to obtain information about my account. I traveled from Florida to New York to do so. Upon arriving at the branch, I was informed that they could not provide me with my account balance, could not release my funds, and that I would need to wait up to XXXX days for a check to be mailed. The bank has not provided any documentation confirming the balance being returned, nor a clear timeline for when I will receive my funds. I am requesting immediate confirmation of my account balance and prompt release of my funds.

M & T Bank has furnished incorrect and inaccurate information to XXXX XXXX XXXX for the period of XXXX through XX/XX/year>. I have contacted both credit reporting agencies on multiple occasions to request corrections to these records ; however, to date, no corrections have been made and I have not received the results of any investigation. Furthermore, I was advised during a phone call with the credit reporting agencies to contact the original furnisher directly to resolve the matter. Note : M & T Bank will a physical copy of this document in the mail for tracking purposes.

I use the M & T Bank mobile banking app and review my transactions several times throughout the day. I notice available funds ( as a result of pending and executed transactions ) and proceed accordingly. This has occurred on XXXX dates ( XXXX business account, XXXX personal account ) these past XXXX months with the latest XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY ) told me not to rely on the app information- which is ridiculous! I use AVAILABLE funds, and then a few days later see my account is overdrawn and then the bank levies overdraft fees. I don't have XXXX XXXX, but besides that - I am relying on the real-time on-line app information to conduct personal and business transactions. XXXX also told me the bank is not at fault and will not be returning all or a part of these fees ( {$250.00}. ). The bank IS at fault for providing me with incorrect information and I AM entitled to the fees being returned/credited to my accounts.…

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I contacted M & T Bank on or around XX/XX/XXXX regarding my delinquent auto loan. During that conversation, I was told that if I made a payment, my vehicle would not be repossessed. I relied on that statement and made the payment. Despite this, my vehicle was repossessed shortly afterward without notice. After the fact, I was told my account was approximately 75 days past due. However, this was not communicated to me in a way that made it clear repossession could still proceed despite my payment. I was given a clear assurance that making a payment would prevent repossession. I relied on that representation to my detriment. I called them and they insisted that they have done nothing wrong even though I did not receive any text, calls, emails, or letters regarding my car being in danger of repossession after XX/XX/year>. They in fact told me today XX/XX/XXXX that yesterday XX/XX/XXXX was the cut off date for the car to be repossessed.…

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I have multiple dates on my bank statements the whole way back to XXXX of XXXX. There are multiple charges, ones that I did not authorize, double charges, tripple charges. Most of the charges were on dates that I was working in a coompletely different county in the opposite direction. I reached out to M & T Bank about the issue when I noticed it starting XX/XX/XXXX. The bank manager told me that I needed to file a police report, otherwise all investigations will not hold. I got the polive report. I submited my PTO that I took during the time fram of the charges, I cross referenced appointments as well. My Daughter stated in the police report that she seen someone writing down my card information. Per M & T, all charges were processed via XXXX. That is impossible. I reached out again and the branch manager said " I dont know what more you want me to do, they will not dispute the charges ''. I asked for a call back from her supervisor, I never received a phone call back.…

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I applied for mortgage assistance with M & T Bank and was denied based on a determination that I did not have a temporary hardship and that my financial situation did not support a payment solution. This determination appears to have been based on inaccurate expense figures that did not reflect my actual financial condition. The expense amounts used in the evaluation were generalized and overstated in several categories, which resulted in a calculation showing negative cash flow. This was not accurate. After receiving the denial, I reviewed my finances and submitted a corrected and verified budget reflecting my actual current expenses. The updated information demonstrates that I have a positive monthly surplus and the ability to maintain my mortgage payments going forward. I requested reconsideration and escalation and asked for a clear explanation of how the original calculations were made.…

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On XX/XX/XXXX M & T Bank sent me a written forbearance plan offer suspending my payments beginning XX/XX/XXXX for 6 months. The letter explicitly states M & T is " offering you an opportunity to enter into a forbearance plan '' and instructs me to " Accept or Reject This Offer '' by XX/XX/XXXX. I accepted within the deadline through the stated channels. This offer-and-acceptance language confirms the plan is binding but also confirms the offer letter alone is not the plan documentation required by XXXX XXXX XXXX XXXX XXXX XXXX My portal shows {$0.00} due for XX/XX/XXXX confirming the plan is active. M & T Bank has failed to provide the required Evaluation Notice as mandated by XXXX XXXX XXXX XXXX XXXX, which explicitly states that forbearance plan terms must be provided to the borrower using an Evaluation Notice. The letter M & T sent is identified at the bottom as " XXXX - XXXX XXXX Suspended Payments Letter. '' This is a solicitation offer letter, not an Evaluation Notice.…

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I am filing a complaint regarding an unauthorized debit card transaction that my bank, M & T Bank, has refused to properly investigate under the Electronic Fund Transfer Act ( EFTA ). On XX/XX/year>, a charge of {$250.00} was made at a bar using my debit card. I did not authorize this amount, did not sign for this transaction, and did not agree to any open tab or final charge. While my card may have been temporarily accessible, I did not provide authorization for this specific transaction amount. I reported the transaction promptly. The bank initially issued a provisional credit, but later reversed it and denied my claim without providing sufficient evidence that I authorized the {$250.00} charge. The bank has not produced a signed receipt, PIN authorization, or any documentation demonstrating that I approved this amount. Under the Electronic Fund Transfer Act, I am entitled to a good faith investigation of unauthorized electronic fund transfers.…

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A vehicle finance account was fraudulently opened in my name for a XXXX XXXX XXXX. On XX/XX/XXXX, I complained to the CFPB. In a letter dated XX/XX/XXXX, M & T Bank stated that it had determined the account was opened fraudulently and was the result of identity theft, and that it would remove the tradeline from the consumer credit reporting bureaus within XXXX to XX/XX/XXXX days. M & T also refused to reimburse my postage, forwarding, and credit monitoring costs. Despite that fraud determination, I later received a Maryland Re-Notice of Repossession and Right to Redeem dated XX/XX/XXXX regarding the same XXXXXX/XX/XXXXXXXX transaction. That notice still treated me as the borrower, stated the vehicle had been repossessed on XX/XX/XXXX, listed charges totaling {$6800.00}, and gave a sale date of XX/XX/XXXX. This means M & T either continued collection activity after determining the account was identity theft, or failed to stop its systems from sending collection notices to me.…

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discriminatory behaviors and practices at park slope branch against my disability. following up from XX/XX/year> attempt to withdraw available funds from account : on monday, XX/XX/year> attempted to speak with branch manager and who branch manager reports to and i was ignored. attempted to withdraw the amount that was previously requested on XX/XX/year> and was refused because my passport i.d . is now unacceptable for withdrawals. the staff, XXXX XXXX, XXXX, XXXX, and the other tellers at the counter whose name i was unable to obtain at this branch behavior is despicable towards me. it's been over 2 years if not more i have been disappointed, disrespected, and upset with the behaviors and lack of customer service integrity of staff towards me!

Urgent : Ongoing Foreclosure Activity While XXXX Request Pending XXXX XXXX XXXX XXXX Disputed I am submitting this complaint as a supplement XXXX my prior CFPB submissions regarding the mortgage servicing of my XXXX loan by Manufacturers and Traders Trust Company XXXX M & T Bank XXXX XXXX servicing for XXXX XXXX XXXX XXXX XXXX XXXX This complaint concerns ongoing foreclosure activity while loss mitigation issues remain unresolved and while a XXXX written request remains pending response. Key Facts : The XXXX repeatedly offered only a XXXX loss mitigation option, a XXXX loan modification. No documentation has been provided demonstrating evaluation of other available loss mitigation options, including repayment plans, standalone partial claims, or other FHA waterfall options.…

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I am filing this complaint regarding M & T Banks failure to properly handle a reported fraudulent wire transfer and the resulting financial harm to me. I reported a fraudulent wire transfer from my account of {$5000.00}. This matter was also documented with my local police department. Despite timely notification, M & T Bank failed to take appropriate action to recall the wire transfer or escalate the matter in a way that could have resulted in recovery of the funds. As a result of the banks inaction, the recipient was able to withdraw and overdraft additional funds, and my account was ultimately closed without resolving the fraud claim. This reflects a serious failure in the banks fraud response and dispute resolution procedures. I dispute any liability for the balance associated with this account. Furthermore, I assert that M & T Banks failure to act directly contributed to my financial loss. Based on this, I am seeking a credit in the amount of {$2600.00}.…

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XXXX M & T Bank Mortgage Account # XXXX To Whom It May Concern, I am submitting a complaint regarding inaccurate credit reporting by M & T Bank on my mortgage account. Between XXXX and XXXX, my account has been reported as past due multiple times. However, during this period, I continued making consistent monthly payments of {$1600.00} in good faith. The issue appears to have been caused by force-placed insurance added by the bank, which increased my escrow amount and created a discrepancy between the required payment and the amount I was paying. As a result, my payments were treated as insufficient, even though I was making regular payments. M & T Bank later reviewed the account and issued refund checks to me ( including {$960.00} and {$310.00} ), which indicates that there were discrepancies in how the account was calculated during that period.…

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XXXX XXXX, XXXX {$3100.00} Advance Payments we made to Escrow account at Closing for the purchase of property XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX for Property Tax for which our account was never credited BY M & T Bank. XXXX XXXX, XXXX Discrepancy with insurance and taxes paid on our behalf by M & T using our account money. M & T said they paid {$2500.00} for house insurance as recorded on their Current History ( XX/XX/XXXX - XX/XX/XXXX ) - " All Transactions XXXX - M & T Bank ''. The actual amount was {$2100.00} paid. I spoke with XXXX and XXXX in the XXXX dept at M & T, who said they paid {$2500.00}. No one knows what they are doing. But in the meantime the {$2500.00} was deleted from our escrow balance, creating a shortage for which our monthly payment was increased from {$1200.00} to {$1300.00} per month. This was just the beginning of discrepancies for which our payments were increased and we were never given credit for the money they used to pay our insurance bill.…

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We are submitting this complaint against M & T Bank regarding Loan # XXXX for the property at XXXX XXXX XXXX, XXXX, GA XXXX. We have submitted three formal Notices of Error under RESPA 12 C.F.R. 1024.35 and 1024.36, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A Third Notice of Error has been submitted to M & T simultaneously with this complaint. ISSUE 1 MISAPPLICATION OF SHORTAGE PAYMENTS ( {$1200.00} UNACCOUNTED ) Our prior servicer, XXXX XX/XX/XXXX, established a shortage repayment plan of {$130.00} per month beginning XX/XX/XXXX, as part of our payment of {$3200.00}. M & T Bank acquired our loan on XX/XX/XXXX and continued collecting {$770.00} per month as the escrow component which is {$640.00} ( base escrow ) plus {$130.00} ( shortage repayment ), confirmed by M & T 's own ledger. From XXXX through XX/XX/XXXX, M & T collected 9 months of shortage payments totaling {$1200.00}.…

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My debit card from M & T was used fraudulently by an unknown person to purchase a gift card from XXXX {$52.00} was debited from my account by M & T on XX/XX/year>. When checking my account information online, I saw the giftcardgranny.com transaction and did not recognize it. I called giftcardgranny.com and was told they would begin a fraud investigation on their end, but that I also needed to have an investigation started by my bank. Again, I never had an account with this merchant, which they can confirm. Today, I received a letter from M & T, which stated, among other things : " We have concluded our investigation and, based on the information available to us, we have determined that the merchant has fully reimbursed you for the transaction ( s ) in question and credited your account. Consequently, we have closed your claim....…

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My M & T accounts have been frozen since XX/XX/XXXX I was not told the reason. I spent hours of my precious time attempting to resolve any issues. As per the instructions given to me online I called the bank right away and after spending 30 minutes on the phone i was told they can not provide any info or assist on the phone My only option was to go into a branch. XX/XX/XXXX i went to the branch in XXXX XXXX NY I was told the freeze on all accounts was placed due to to a specific check deposited in one of my accounts I answered all questions provided all information and i was promised the issue will be resolved or if any more info would be needed they will call me. 2 weeks passed without any progress or contact. XX/XX/XXXX I reached out to a bank manager XXXX, via email about this issue he responded asked me to provide contact info of the person who provided the check and an invoice for the services provided which i did.…

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Estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX See XXXX XX/XX/year> Hearing Scheduled XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 's duties suspended as XXXX ; XXXX XXXX Court-appointed Administrator with Full Authority , Will Annexed , ( Note that former Executor, XXXX XXXX XXXX used an invalid XXXX to XXXX an Estate account with Bank of XXXX XXXX XXXX Estate Account, with a valid XXXX, opened by XXXX XXXX ( XXXX ), XXXX Estate XXXX with Full Authority XXXX XXXX Annexed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX Estate Administrator was denied access to the account. Also, denied copies of records, hard or electronic copies, to add to the Estate files. Distribution of Estate Proceeds was completed by an unknown party, possibly the XXXX XXXX XXXX XXXX XXXXXXXX. Requesting copies of statement ( s ), copies of cancelled check ( s ).