Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Below i the exchange that preceded the closing of my account and the holding hostage of {$1200.00} to lead to the payment of my mortgage to prevent it from getting to 3 months behind. As a result, my finances were turned into a temporary turmoil whereby returned payments fees and charges were piling up. No notice of closing my account, I just was in the branch office and ordered a new debit card several days before ... my check of the balance and the replacement debit card arrived on the same day which should tell you how very poorly organized this bank is ... its possible, the people who carried on this crusade against me is hiding from their superiors but the likely issue is they everyone knows, every one 's on board and the plan remains the same, steal my equity which is nearly double what I owe on the house... this was their latest in a string of efforts to delay and cancel payments to reach 120 days ... they also know from my payment history that once my bankruptcy is over in XXXX that I pay my mortgage so well that they have no shot after this... again, as per my last complaint this is why they made it impossible with legal fees for me to cure my mortgage payments in bankruptcy because they couldn't do what they do now, so they got the relief from the stay have played many games with my payments and account and this is their latest ... and during these days, they know this is their best time to lie about, on and fleece their customers. This is a message I sent to them that shows they received this message on the XXXX, closed my account on the XXXX sent this message on the XXXX. As of this moment, they have blocked me from making payments online and want me to send payments to their XXXX XXXX XXXX XXXX where I am sure it will get lost, so now I have to hire legal counsel to make my payments. I'll have to go before the trustee to do so ================================================================== I received your account inquiry. 

My review found you spoke with a Telephone Banking Center representative on XX/XX/year> regarding your concerns. 

If you have any additional questions, please email me or contact the M & T Telephone Banking Center at XXXX. Representatives are available Monday through Friday XXXX to XXXX, Saturday and Sunday XXXX to XXXX, XXXX. 

Thank you for banking with M & T. 

-- - Original Message -- - Sent : XX/XX/year> XXXX AM To : M & T Bank Subject : Comments/Feedback In XXXX we XXXX to plot the azimuth. Its interesting how you can use that same concept to gain your bearing in any conflict. For example, every time XXXX contact another person with your bank, whether in person or on the phone, it becomes more clear that some heinous XXXX is going on with my account and the notes being applied. Its also clear that your people are so consumed with little ole me that you actually hatched a plan to ruin my very boring and non existent XX/XX/XXXX weekend by cancelling my bank card, The XXXX charge was for fast food and the other was a test charge at Dollar General I think to, again plot the azimuth to see what could be going on... which lead to my phone calls and the fact that each person I spoke to told me a different lie Customer Service XXXX ( who didn't know how to pronounce her own name : D ) : said the XXXX charges were fraud detection and transferred me to Fraud. 

Fraud : XXXX ( not the tree, but the person ) said those charges were just denied and that customer service placed a lock on my card, and transferred me back to Customer Service Retail Department XXXX XXXX yes, retail dept ) : placed me on hold while he conferred with a supervisor about my identity which was now the focus to which he asked me about my account # which I didn't give him, my ssn, my address, and my last XXXX jobs and said XXXX or more didn't match what he had on file and said he could not speak to me and that I had to come into the branch. click ... no, " can I help you with anything else '', just click... 

I went into my local branch yesterday and the person sealed the deal and it was clear ... upon ready the notes, which you guys always announce that you do, he literally grabbed my id & bank card that I set on the desk and started tapping them on the table, with his hand grabbing his mouth and a clinched jaw... very poor poker player I would surmise as it was a CLEAR sign of agitation and raised XXXX XXXX. His level of respect immediately changed and he said my card was closed, he could not say why and all he could do was order me a new one, crazy part was how he loudly he asked for my pin ( with other customers present ) before I was asked to write it down... 

I imagine I can call back and get another story or that possibly the card I receive have some issue with it ... nothing would surprise me now. This all proves M & T is in serious trouble. History suggests corruption, degradation of products and services immediately precede a fall, You already lost the XXXX. You're your own worst enemies at a time when you need to check yourself because XXXX routinely leaves broke rich people in his wake. 

My mortgage is about to be caught up, my bankruptcy is over in 3 months and I've already begun to transfer my XXXX to a new bank. I'm sure you're losing customers faster than you can gain them ... when the trouble shooter comes by to see why, the first they should do is check the notes, LOL!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation