M&T Bank

Report Card
Overall Grade
Mortgages Grade
Debt Collection Grade
Credit Cards Grade
M&T Bank is rated overall in the top 67 percentile (out of 100) based on 1,620 customer complaints.


Complaints Currently In-Progress10
Complaints per $100K of Deposits21.4
Complaints Resolved in a Timely Manner97.5%
Resolutions Disputed by Customer19%
Average Time Until Resolution30 days

Financial Report

Owner CorporationM&T Bank Corporation
EstablishedJanuary, 1856
FDIC InsuredJanuary, 1934
FDIC Certificate #000588
Number of Branches753 (3 International)
Total Assets$96.5 Million (21st)
Total Deposits$75.6 Million (19th)
Total Equity$11.5 Million (21st)
Quartarly Net Income$282.7 Thousand (16th)

Contact Information

Corporate Headquarters
One M And T Plaza
Buffalo, NY 14203
United Statesflag
Data Summary
M&T Bank logo

Grade Summary

Overall, M&T Bank received a grade of "B-" based on how quickly the company responded to complaints, how often customers disputed their final resolution, and how many complaints were recieved per customer.

Grades are also broken down by the financial products offered be each institution. M&T Bank is rated "B-" in Mortgages, "A" in Debt Collection, "B+" in Credit Cards, and "D" in Bank Account Services. Click on any of the financial products to see how M&T Bank compares.


M&T Bank has received 1,620 consumer complaints since December, 2011 – more than 98% of other banks.

Of those complaints, 97.5% of complaints were resolved in a timely manner. The CFPB allows 60 days to resolve complaints before considering them 'untimely.' M&T Bank meets the 60-day response deadline less frequently than 58.7% of other banks.

After companies respond to complaints, customers may dispute the response indicating that the issue was not resolved adequately. 19% of customers dispute M&T Bank's response to complaints — worse than 51.5% of other companies.

Most of M&T Bank's customers complain about mortgages with the primary issue being "loan servicing, payments, escrow account."

M&T Bank is primarily a commercial bank with a commercial lending specialization. M&T Bank is based in Buffalo, New York and is the 21st largest FDIC insured bank in America.

Naturally larger banks receive more customer complaints than smaller ones. This does not necessarily indicate that a bank is better than another in terms of service and customer support.

However, even after adjusting for bank size and number of customers, M&T Bank receives far more complaints than most other banks. M&T Bank recieves more complaints per customer than 99% of other banks – customers are significantly more likely to file complaints than customers of most other banks.

Corporate Headquarters
Complaints by Product
Complaints by State
Complaints Against M&T Bank
#Financial ProductSub-ProductComplaint IssueComplaint Count
1MortgageOther mortgageLoan servicing, payments, escrow account239
2MortgageOther mortgageLoan modification,collection,foreclosure232
3MortgageConventional fixed mortgageLoan servicing, payments, escrow account150
4Bank account or serviceChecking accountAccount opening, closing, or management141
5Bank account or serviceChecking accountDeposits and withdrawals116
6MortgageConventional fixed mortgageLoan modification,collection,foreclosure115
7MortgageFHA mortgageLoan servicing, payments, escrow account96
8Bank account or serviceChecking accountProblems caused by my funds being low88
9MortgageFHA mortgageLoan modification,collection,foreclosure82
10Consumer loanVehicle loanManaging the loan or lease42
Responses From M&T Bank
#Company ResponseResponse CountTimely Response CountDisputed Count
1Closed with explanation1,4041,397 (99.5%)287 (20.4%)
2Closed with monetary relief130130 (100%)18 (13.8%)
3Closed with relief120103 (85.8%)15 (12.5%)
4Closed106105 (99.1%)29 (27.4%)
5Closed with non-monetary relief4948 (98%)8 (16.3%)
6Closed without relief3928 (71.8%)10 (25.6%)
7In progress1010 (100%)0 (0%)
8Untimely response40 (0%)0 (0%)
Complaints over the Past Year