CFPB Consumer Complaint Profile
M&T Bank Corporation
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 9,513
- Total complaints
- Among the highest
- 1,158
- Last 12 months
- 99.5%
- Timely response
- Above median
- 56
- States affected
The verdict
M&T Bank Corporation ranks #64 of 3,843 financial companies by CFPB complaint volume. On response speed it sits at the 72nd percentile among companies with 100+ complaints.
- Checking or savings …
- most-complained product
- NY
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
M&T Bank Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.5% Higher than most higher than 72% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 904 in 2024 to 1,141 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2011 | 25 |
| 2012 | 450 |
| 2013 | 550 |
| 2014 | 679 |
| 2015 | 603 |
| 2016 | 668 |
| 2017 | 578 |
| 2018 | 505 |
| 2019 | 543 |
| 2020 | 513 |
| 2021 | 541 |
| 2022 | 736 |
| 2023 | 822 |
| 2024 | 904 |
| 2025 | 1,141 |
| 2026year in progress | 255 |
Complaints by State (Top 15)
Company Responses
M&T Bank Corporation Complaint Concentration Profile
M&T Bank Corporation's complaint volume is large enough to measure concentration - not just the headline totals. Across 81 named product lines in the stored breakdown, the leading three (Checking or savings account, Mortgage, Mortgage) hold a 40.6% share of product-tagged complaints. The Herfindahl index on that product mix is 0.087 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Managing an account, Trouble during payment process, Loan servicing, payments, escrow account) cover a 46.6% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (New York, Maryland, Pennsylvania) hold a 43.9% share of state-tagged volume across 56 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 79.0% share among the 9,513 response-tagged complaints (7,520 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (1,141 complaints); the lightest year on file was 2011 (25). From 2024 to 2025, annual volume rose 26.2% (904 → 1,141). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for M&T Bank Corporation
The CFPB Consumer Complaint Database shows a nationwide complaint footprint for M&T Bank Corporation, with consumers across the country filing against it. "Checking or savings account" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Managing an account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for M&T Bank Corporation: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count.
Similar dispute rates
Nearest companies by share of complaints marked disputed (19.5% here).
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does M&T Bank Corporation have?
M&T Bank Corporation has 9,513 total consumer complaints filed with the CFPB, with 1,158 filed in the last 12 months.
Does M&T Bank Corporation respond to complaints on time?
M&T Bank Corporation's CFPB timely-response rate is 99.5%. That is a strong response record by CFPB standards.
What product generates the most complaints for M&T Bank Corporation?
Among all products tied to M&T Bank Corporation, "Checking or savings account" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with M&T Bank Corporation?
"Managing an account" is the single most frequently cited issue in complaints against M&T Bank Corporation - see all issues and counts above.
How do I file a complaint against M&T Bank Corporation?
You can file a complaint against M&T Bank Corporation directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about M&T Bank Corporation?
Consumers in 56 states and territories have filed complaints about M&T Bank Corporation with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.