Who is complaining aboutM&T BANK CORPORATION?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
1,393
1,034 in the 12 months before · 10,308 since 2011 · under 0.1% of all complaints the CFPB received
For its size
6.34per $1bn in assets
Against $220 billion, the combined assets of its 2 FDIC-insured banks as of 30 Jun 2026.
Fewer than five peer companies in the same category share this size measure, so no peer median is shown.
In the 12 months to 30 Sep 2026 the CFPB received 1,393 complaints naming M&T BANK CORPORATION, up 35% on the 1,034 of the 12 months before. Since 2011 the total is 10,308.
The 2 FDIC-insured banks of M&T BANK CORPORATION reported $220 billion in assets as of 30 Jun 2026. Its 1,393 complaints in 12 months work out to 6.34 per $1 billion of those assets. Assets measure the whole institution: one with a large card or consumer-lending business has many more customers per dollar of assets than a commercial or community bank, and its figure will sit higher for that reason alone.
36.4% of the complaints in that period fall under the CFPB product category “Mortgage”, followed by “Checking or savings account” at 30.7%. The issue selected most often was “Managing an account” (19.9%).
How the company's responses were recorded over the 12 months: 84.9% closed with an explanation, 5.7% closed with non-monetary relief, 9.1% closed with monetary relief, and 0.3% still in progress when the file was published. 99.9% of responses were marked timely; the median among the 76 companies whose complaints mainly concern “Mortgage” is 100%.
Among those 76 peer companies the median received 105.5 complaints in the same 12 months. A complaint is a consumer's account and is not a finding against the company; the CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 30 Sep 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
| Measure | M&T BANK CORPORATION | Peer median (76 companies) | All complaints nationally |
|---|---|---|---|
| Complaints, last 12 months | 1,393 | 105.5 | 6,938,056 |
| Change on the 12 months before | 35% | 38.5% | 45% |
| Responses marked timely | 99.9% | 100% | 99.6% |
| Closed with monetary or non-monetary relief | 14.9% | 0% | 31.6% |
Peers are the 76 companies on this site whose largest complaint category is Mortgage and that received at least 20 complaints in the last 12 months. Peer companies differ widely in size; a per-size row appears only when at least five peers share this company's size measure, and its median is taken over those peers alone.
Complaints by month
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, in the last 12 months.
- Mortgage507 · 36.4%
- Checking or savings account428 · 30.7%
- Credit reporting or other personal consumer reports229 · 16.4%
- Vehicle loan or lease69 · 5%
- Debt collection62 · 4.5%
- All other categories98 · 7%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Managing an account | 277 | 19.9% |
| Trouble during payment process | 255 | 18.3% |
| Struggling to pay mortgage | 185 | 13.3% |
| Incorrect information on your report | 162 | 11.6% |
| Problem with a lender or other company charging your account | 52 | 3.7% |
| Improper use of your report | 52 | 3.7% |
| Problem with a company's investigation into an existing problem | 52 | 3.7% |
| Closing an account | 49 | 3.5% |
| Managing the loan or lease | 38 | 2.7% |
| Took or threatened to take negative or legal action | 26 | 1.9% |
| Other CFPB issue categories | 245 | 17.6% |
Mortgage
507 complaints in the last 12 months (36.4% of this company's total); 307 in the 12 months before. That is 1.6% of all complaints in the category nationally. 11.9% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Trouble during payment process | 255 | 50.3% |
| Struggling to pay mortgage | 185 | 36.5% |
| Closing on a mortgage | 20 | 3.9% |
| Incorrect information on your report | 19 | 3.7% |
| Applying for a mortgage or refinancing an existing mortgage | 15 | 3% |
| Other CFPB issue categories | 13 | 2.6% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| FHA mortgage | 239 | 47.1% |
| Conventional home mortgage | 146 | 28.8% |
| VA mortgage | 86 | 17% |
| USDA mortgage | 18 | 3.6% |
| Home equity loan or line of credit (HELOC) | 12 | 2.4% |
| Other or no sub-product recorded | 6 | 1.2% |
Checking or savings account
428 complaints in the last 12 months (30.7% of this company's total); 376 in the 12 months before. That is 0.5% of all complaints in the category nationally. 25.9% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing an account | 277 | 64.7% |
| Problem with a lender or other company charging your account | 52 | 12.1% |
| Closing an account | 49 | 11.4% |
| Opening an account | 24 | 5.6% |
| Problem caused by your funds being low | 24 | 5.6% |
| Other CFPB issue categories | 2 | 0.5% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Checking account | 364 | 85% |
| Other banking product or service | 36 | 8.4% |
| Savings account | 19 | 4.4% |
| CD (Certificate of Deposit) | 9 | 2.1% |
Credit reporting or other personal consumer reports
229 complaints in the last 12 months (16.4% of this company's total); 178 in the 12 months before. That is under 0.1% of all complaints in the category nationally. 3.9% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 136 | 59.4% |
| Improper use of your report | 51 | 22.3% |
| Problem with a company's investigation into an existing problem | 36 | 15.7% |
| Problem with a company's investigation into an existing issue | 2 | 0.9% |
| Unable to get your credit report or credit score | 2 | 0.9% |
| Other CFPB issue categories | 2 | 0.9% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 224 | 97.8% |
| Other personal consumer report | 5 | 2.2% |
Vehicle loan or lease
69 complaints in the last 12 months (5% of this company's total); 55 in the 12 months before. That is 0.3% of all complaints in the category nationally. 10.1% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing the loan or lease | 38 | 55.1% |
| Problems at the end of the loan or lease | 15 | 21.7% |
| Getting a loan or lease | 7 | 10.1% |
| Repossession | 6 | 8.7% |
| Incorrect information on your report | 3 | 4.3% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Loan | 68 | 98.6% |
| Lease | 1 | 1.4% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints in the last 12 months.
- Closed with explanation1,182 · 84.9%
- Closed with monetary relief127 · 9.1%
- Closed with non-monetary relief80 · 5.7%
- In progress4 · 0.3%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
The company's optional public response
Companies may choose one public response category from a CFPB list. These are the company's own selections.
| Company public response (CFPB category) | Complaints | Share |
|---|---|---|
| Company has responded to the consumer and the CFPB and chooses not to provide a public response | 1,387 | 99.6% |
| No public response category recorded | 6 | 0.4% |
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| New York | 248 | 17.8% |
| Maryland | 154 | 11.1% |
| Texas | 108 | 7.8% |
| Pennsylvania | 99 | 7.1% |
| Florida | 84 | 6% |
| New Jersey | 75 | 5.4% |
| Connecticut | 64 | 4.6% |
| Georgia | 55 | 3.9% |
| California | 52 | 3.7% |
| Massachusetts | 50 | 3.6% |
| Virginia | 48 | 3.4% |
| North Carolina | 27 | 1.9% |
Top 12 of 50 states with at least one complaint in the last 12 months. State counts follow population and where the company does business.
Other companies in the same category
Companies whose complaints mainly concern Mortgage, nearest in complaint volume. Listed for navigation, in no order of merit.
Questions and answers
How many complaints has the CFPB received about M&T BANK CORPORATION?
1,393 in the 12 months to 30 Sep 2026 (1,034 in the 12 months before that) and 10,308 since 2011. 85 arrived in the last 30 days and 344 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
The 2 FDIC-insured banks of M&T BANK CORPORATION reported $220 billion in assets as of 30 Jun 2026. Its 1,393 complaints in 12 months work out to 6.34 per $1 billion of those assets. Assets measure the whole institution: one with a large card or consumer-lending business has many more customers per dollar of assets than a commercial or community bank, and its figure will sit higher for that reason alone. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
36.4% of complaints in the last 12 months are filed under “Mortgage”. The issues selected most often were “Managing an account” (19.9%), “Trouble during payment process” (18.3%), “Struggling to pay mortgage” (13.3%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does M&T BANK CORPORATION respond to complaints?
84.9% were closed with an explanation, 5.7% with non-monetary relief and 9.1% with monetary relief; 99.9% of responses were timely (peer median 100%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 30 Sep 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. Size measure matched by name to: Manufacturers and Traders Trust Company; Wilmington Trust, National Association. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.