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M and T Bank Consumer Reviews - Page 2

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Horrible All the Way Around!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

CULPEPER, VIRGINIA -- I've been with this terrible excuse for a financial institution for five years. I had some disputed charges on my account which I started the process on and told to wait for an affidavit which I NEVER RECEIVED. So what do they do? Reverse the damn charges putting me at a negative balance. So I call customer service and was on hold for THIRTY MINUTES! Just to be told that there is nothing they can do because they never got back the form I NEVER RECEIVED! (They claim it was mailed. Yeah right, I check my mail everyday and I always get my mail. They had the audacity to blame the US mail service.) Always nothing they can do and they refuse to work with customers.

I'm switching banks as soon as this business is done with. Atrocious customer service that treats long standing customers like garbage. Way to treat a Navy Yard shooting survivor! The most helpful reviews and complaints are factually correct, include details from your firsthand experience, and have photos.

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Poor Customer Service / Fraud Handling
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

CORPORATION, MARYLAND -- My account was compromised. M&T allowed 6 fraudulent charges to process and after each one sent an email telling me there was suspected fraudulent activity on my account. They never stopped the charge, they just allowed it then sent me an email after each one. They allowed the criminal to drain all the positive cash in my account and take the account in to a negative by the amount of over 1500.00.

It's two weeks before Christmas. I have two children to buy gifts for and bills due. I have called everyday for 4 days now and after navigating a 5 minute phone tree that runs you in circles hoping you'll just hang up every representative I finally get in touch with is as robotic, uncaring and complacent as the next. They just keep saying we have 10 days to issue you a provisional credit almost bragging. I explain that "I understand that you have 10 days but is there anything anyone can do to speed up that process." They just repeat the script in front of them.

Funny how they allow a criminal to take money out of my account instantly but when it comes time to put it back in it takes 10 days. Please save yourself this nightmare and go to a bank that understands basic customer service.

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Cannot Get a Payoff Amount
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

My son called in for the payoff on his truck. They can discuss the account status but can't give him the amount. So he calls me 2700 miles away. I call and I get "we can't give you that amount without the VIN number to verify the loan is the right one." I only have one with them and never a freaking again. DON'T GET A LOAN WITH THEM. They tell you can get info online. NOT ON AN AUTO LOAN, why is it the only one you can't get. HMMMM. They are the people they can scam moreā€¦ My mom was to be the co-signer, but she is the only one on the loan. I have complained for 5 years and they say it will show on my credit that I paid this loan. NOT.

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Condescending Connivers
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

VIRGINIA -- I have automatic payments from my checking account to an overdraft line. Since M&T bought the bank I used, there seems to be endless creativity in finding ways to maneuver the customer into a late fee or service charge. I have a couple of carefully documented instances in which the bank took a larger payment than the billed amount. If I pay directly, in cash, less than 72 hours before the automatic payment is scheduled to come out, the payment "doesn't count," it takes the automatic payment anyway, and if my checking account balance won't cover the payment, I get an overdraft fee. The bank will not take available money from the overdraft line to cover this type of overdraft.

Paying cash into the checking account the day the payment is due also will not cover a potential overdraft, as the bank does not consider a cash deposit available until the next business day. Their so-called "customer service" reps treat complaints and appeals on these subjects as if I were a petulant five-year-old. When I pointed out to one of them that the bank's practices are quite likely illegal, she laughed at me and hung up. I fervently hope that one of these days they will lose a huge class action lawsuit for this crap. I understand it wouldn't be the first class action lawsuit they've lost over confusing and exploitive fees. Forget 'em!

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Nightmare - Jumping Ship!
By -

I will start by saying that I NEVER write reviews. Good, bad or indifferent, I never write them. I have no good reason or excuse, I just don't take the time. However, this time I have pushed to the point that I think people need to know before they sign on with this bank. I opened a car loan with M&T this past June and have had nothing but headaches since. The first month's payment was made at my local branch. I had to wait in line for almost 30 minutes to make this payment (with no apologies for the wait) so I decided I would make the payments through my bank's online bill pay.

I sent the September payment out a few days before it was due and did not think about it again. I received a past due notice yesterday and immediately called M&T. The customer service representative was shockingly rude and totally unwilling to help. I told her my story and she said, "Well, the payment is not here." I asked her to investigate a little to make sure that there were no errors made. She just kept repeating that the payment wasn't there. Infuriated, I hung up. I called my bank this morning and they confirmed that payment in the form of a bank check was sent out on the 8th.

I called M&T back and explained again the situation. This woman told me the same thing the lady last night did, "Gee, the payment isn't here." I told her that I understand that but I am looking for some basic customer service help. I asked her if my bank sends proof of payment can they waive the $49(!!) late fee. She said proof of payment does not mean anything to them because the payment has not been received. I then asked if they would waive the outrageous fee if, when the payment arrives, they see that it is dated 9/8/11. Her response was that a machine processes the incoming payments and nobody will see or note the check date.

I suggested that there is a possibility of an error on their end and maybe my payment was mishandled by "the machine." She told me that was not possible and that she was not able to go to Maryland from Delaware to hand check all the mail to find my payment (yes, she really said this to me). I have not been this furious or disgusted with "customer service" in a long time. I reminded her that this debacle is affecting my credit rating. She assured me that this issue would not be reported for another 14 days. I am speechless.

Customer service 101 would suggest that you tell the customer you will notate the account that payment is on the way and when it arrives we will verify the payment date and adjust the fee accordingly. I have worked in CS for many years and treating customers that are spending their hard earned money with you like they are liars is the fastest way to lose respect and their business. So, this weekend I am moving my business to a different bank. STAY AWAY FROM M&T!

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Let Me Save You Some Money... Don't Deal With M&T's Irresponsible and Unorthodox Methods
By -

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 because that I'm vacationing in California for a while 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 online 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 could've 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 it's just my opinion.

Aside from the above statement, 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.

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How Banks Are Robbing You
By -

SAYRE -- My wife is disabled and needed to find a bank for everyday use, nothing special, we are all forced to use banks in this day and age and should not be subjected to unreasonable NSF fees. She had kept at least $40 in the balance since 12/2/2009 and on 12/24/2009 she had a balance of $47 and made a deposit of $61. When the deposit was made the receipt given had the balance blacked out by the teller, and no explanation was given.

Then she wanted to get some groceries and the card was $0. I went online and got a copy of the account for the past 30 days and found not one substantiated NSF fee and the balance was $108. There were no debits and she uses no checks, only the card. So the first NSF fee was on 12/24/09 with a balance of $90, then another at $18 fee with a balance of $72 then another for $18 with a balance of $54, and yet another $18 with a balance of $36.

Then on 12/26/09 a PayPal direct payment was in the bank of $80, and the bank did not post it until 12/28/09 at 5:00 pm. No word from them at any time that the account was being drained out of nowhere, until I found out about it from the printout from the online banking. They refused to waive the fees, and said that everyone does this at the holidays. Yeah right I really spent a lot for Christmas after they took every cent I had plus all my deposits and are still charging fees for checking the account.

They said I tried to get money from their ATM when I could not even get a balance without incurring a $37 fee. Who the hell do you banks think you are? If I went into someone's account and stole funds I would be prosecuted, but the banks are above the law and so is the Fed. They are all in the game of bankrupting the people for control of them. Do the research about banks and all the filthy tricks with the books to make it look like you were spending the money, and they are innocent of wrongdoing.

My daughter tried suicide on the 23 of Dec, and was sent to a hospital 155 miles away, and we could not even visit her for Christmas Day, and as far as any presents or food for Christmas? Well we had to beg at the Salvation Army for a box of food. All because of banks illegally taking fees from anyone that they can set up the figures to gain the maximum fees.

We should all do the same thing to them, we all should put a run on the banks in one day, and close them all down. That's right we all should go to the bank on the same day, and close your account out, where would they be then??? Sounds like a plan to me, how about you? This bank is not the only bank doing us in, all the banks are set up to control all the money they handle, and when they cry that they are losing money, who bailed them out with our money??? Obama of course, he's the head of Wall Street and does what Wall Street tells him to do.

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Unprofessional Manager
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

HILTON, NEW YORK -- The manager of the Hilton, NY branch is unprofessional, incompetent, and lies about his dealings with customers. It is a shock that M&T Bank allows such inept employees to have dealings with customers, and to be put in charge of the bank. Don't do business with this bank branch or you will end up losing money.

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Service Charges 24.95 Per Month
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

BUFFALO, NEW YORK -- My bank was taken over by M&T Bank. They advised me if I have my payroll check direct deposited in my account they will credit the account $150.00. Never happened. A service charge of 24.95 for the month appeared. Talk to the branch the called the main office no credit. What did happen. I closed the account. Don't use this bank thieves.

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Worst Bank Ever
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ARLINGTON, VIRGINIA -- Thieves. The attorney general's office needs to investigate this bank. They are as vile, evil as evil gets. I cannot fathom how they stay afloat. They're rote response: 'There's nothing we can do," They spend an awful lot of energy making enemies of their paying customers. Bad business. Bad bank. Their corporate staff should be in jail.

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M and T Bank Rating:
Star Empty star Empty star Empty star Empty star
1.0 out of 5, based on 23 ratings and
53 reviews & complaints.
Contact Information:
M and T Bank
345 Main St.
Buffalo, NY 14203
1-800-724-2440 (ph)
www.mtb.com
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