M&T Bank Complaint - Let me save you some money.. dont deal with M&T's irresponsible and unorthodox methods - Overall
Overall - Complaint
I don't recommend M&T at all. I called in for a stop loan payment on my checking account that is automatically withdrawn 2 weeks in advance and to have some kind of payment book or mail delivered to me so I can get them the money. This is all due to the fact that I'm vacationing in California for awhile and M&T doesn't exist out here. so the customer service gentleman told me everything was cool after I gave him the information he asked for to complete the task. Down the road I hadn't received any mail and went on-line to check. Sure enough there's a overdraft of $81.92 and the loan payment normally of $45.71. So I called their very rude customer service and explained things very rationally and calmly tho no lie I was extremely pissed when they were telling me there was no record of anything and there was nothing they could do. I spoke to the woman very nicely even tho she was a very rude customer service representative about the situation and I just wanted to reverse the charge that was made and have the paperwork that I needed to make the payments sent to me to California from Pennsylvania so they could get their money. I just didn't want the overdraft charge due to MAYBE SOMEONE POSSIBLY HADN'T DONE THEIR JOB???? I eventually spoke to a supervisor and explained it to her. She was even more nasty. I talked to her about the gentleman who possible hadn't done his job but she would not have any of my side of the story. Throwing bank regulations and policies at me raising her voice every-time I would try to get a word in. As there was no proof except the time I called it in which should be proof enough that I DID speak to this gentleman. There are many things they could have done for me and we couldve worked it out but M&T throws a fit over a small $37 overdraft fee that they lost my business once I pay them the $81 I "owe" them. Most customer service centers and bank personnel respect those customers who try to understand the banks side and not scream at employees when something goes wrong. Most Bank employees will try to help you and do what they can if you present your case nicely... Not M&T My advice I was being responsible with the knowledge I was given. I was respectful and courteous to the staff because if I was them I wouldn't want someone screaming at me either. In the end you just get stepped on by M&T. Worst Bank experience but its just my opinion.
aside from the above statment.
Very nasty customer service, tons of hidden fees and fine print, takes forever for a check or transaction to clear, employees don't have any compassion or common sense; they are a slave to the bank and will spew the regulations at you till they pass out.
M&T is by far the worst bank I've ever dealt with and this experience is just one of many problems m&t has given me. Save the trouble and go elsewhere.