Mortgage company · complaint record
M&T Bank complaints
Filed under M&T BANK CORPORATION
Consumers have filed 10,533 complaints about M&T Bank since 2011, 1,455 of them in the last 12 months (+33% on the year before). It answered 99.9% on time and closed 16% with relief for the customer - more often than a typical mortgage company. The most common problem is trouble during payment process. It is the 6th most complained-about of 595 mortgage lenders & servicers this year.
Strong response record. How it works
- Complaints on record
- 10,533
- Last 12 months
- 1,455
- Answered on time
- 99.9%
- Closed with relief
- 16%
- Last 30 days
- 75
- Rank
- #6 of 595
Since December 2011
+33% vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Nov 7, 2026
Most complained-about mortgage lenders & servicers
M&T Bank complaints by month
The busiest month was October 2026 (151 complaints). Complaints in the last 12 months are up 33% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How M&T Bank answered last 12 months
- Closed with monetary relief1449.9%
- Closed with non-monetary relief906.2%
- Closed with explanation1,21283.3%
- In progress90.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/4599.9% on time
- Relief for customers40/4016.2% closed with relief
- Complaint trend7/15+33% vs last year
What M&T Bank complaints are about
Top M&T Bank problems last 12 months
Inside "Trouble during payment process"
- Escrow, taxes, or insurance 240
- Trying to communicate with the company to fix an issue while managing or servicing your loan 141
- Payment process 119
- Loan sold or transferred to another company 37
- Fees charged 26
- Paying off the loan 15
Where M&T Bank complaints come from
Most complaints: New York (1,990), Maryland (1,586), Pennsylvania (875), New Jersey (714), Florida (570).
M&T Bank compared with other mortgage lenders & servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Freedom MortgageMortgages | 48 | 2,041 | D |
| 2 | Ocwen FinancialMortgages | 54 | 1,681 | C |
| 3 | PennyMacMortgages | 89 | 1,490 | A |
| 4 | M&T BankMortgages | 92 | 1,455 | A |
| 5 | Carrington Mortgage ServicesMortgages | 44 | 1,302 | D |
| 6 | Select Portfolio ServicingMortgages | 52 | 1,277 | C |
| 7 | LoanCareMortgages | 46 | 1,091 | D |
| 8 | SeleneMortgages | 50 | 1,063 | C |
Compare side by side: M&T Bank vs Freedom Mortgage · M&T Bank vs Ocwen Financial · M&T Bank vs PennyMac · M&T Bank vs Carrington Mortgage Services
What people say about M&T Bank
All experiencesNo experiences with M&T Bank yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest M&T Bank complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 7, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Nov 3, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageDelays in the application process | Explained |
| Nov 3, 2026 | Money transfers & apps | Other transaction problem | Explained |
| Nov 2, 2026 | Credit cards | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 1, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Nov 1, 2026 | Bank accounts | Managing an accountFunds not handled or disbursed as instructed | Explained |
| Oct 31, 2026 | Mortgages | Trouble during payment processPayment process | Explained |
| Oct 31, 2026 | Mortgages | Trouble during payment processPayment process | Explained |
| Oct 31, 2026 | Bank accounts | Managing an accountProblem accessing account | Fixed |
| Oct 31, 2026 | Mortgages | Trouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loan | Explained |
| Oct 31, 2026 | Bank accounts | Problem caused by your funds being lowOverdrafts and overdraft fees | Money back |
| Oct 31, 2026 | Bank accounts | Problem with a lender or other company charging your accountCan't stop withdrawals from your account | Explained |
Questions about M&T Bank
How many complaints does M&T Bank have?
M&T Bank has 10,533 complaints on record since December 2011, including 1,455 in the last 12 months and 75 in the last 30 days. That makes it number 95 of every company by complaints this year.
Does M&T Bank respond to complaints?
Yes. M&T Bank answered 99.9% of its complaints on time (within 15 days) and closed 16% with relief - money back or a fix; 10% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 92/100 (grade A).
What do people complain about most with M&T Bank?
The most common problems are trouble during payment process (1,303), managing an account (1,781), struggling to pay mortgage (790).
Is M&T Bank legit?
M&T Bank is a real company with a public complaint record: consumers have complained about it 10,533 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is M&T Bank legit? for the signals, red flags and how to protect yourself.
Are complaints about M&T Bank going up or down?
Up. There were 1,455 complaints in the last 12 months against 1,095 in the 12 before (+33%). See every month.
How do I file a complaint against M&T Bank?
Complain to M&T Bank in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most M&T Bank complaints come from?
Most come from New York (1,990), Maryland (1,586), Pennsylvania (875). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about M&T Bank
No comments yet. Start the conversation - questions are welcome too.