Total CFPB complaints
273
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 273 complaints
M&T BANK CORPORATION — Debt Collector Complaint Profile
CFPB complaint profile across 39 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about M&T BANK CORPORATION
- Attempts to collect debt not owed
Attempts to collect debt not owed
79 complaints
- Written notification about debt
Written notification about debt
36 complaints
- False statements or representation 30
False statements or representation
30 complaints
- Took or threatened to take negative or legal action 29
Took or threatened to take negative or legal action
29 complaints
- Communication tactics 20
Communication tactics
20 complaints
- Disclosure verification of debt 11
Disclosure verification of debt
11 complaints
C
Grade C · 59.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about M&T BANK CORPORATION?
M&T BANK CORPORATION has accumulated 273 total CFPB complaints across 39 states, with 52 filed in the most recent 12 months against 221 historical complaints before that window. The trailing-12-month volume represents 19.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 15% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 39 states, led by New York with 52 and Maryland with 35, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.3/100 places M&T BANK CORPORATION in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
52
19.0% of total history
Rising ↑
States active
39
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
C
59.3/100 composite
Response-quality profile
How M&T BANK CORPORATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 30.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 69.6%
Share of US states + territories with at least one filed complaint against this collector.
How does M&T BANK CORPORATION compare to its peers?
M&T BANK CORPORATION National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed79 (%)
False statements or representation30 (%)
Written notification about debt36 (%)
Communication tactics20 (%)
Took or threatened to take negative or legal action29 (%)
Disclosure verification of debt11 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 36 |
| False statements or representation | Attempted to collect wrong amount | 30 |
| Written notification about debt | Didn't receive enough information to verify debt | 26 |
| Attempts to collect debt not owed | Debt was paid | 22 |
| Attempts to collect debt not owed | Debt was result of identity theft | 21 |
| Communication tactics | Frequent or repeated calls | 20 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 18 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 11 |
| Disclosure verification of debt | Not given enough info to verify debt | 11 |
| Written notification about debt | Didn't receive notice of right to dispute | 10 |
Where do complaints against M&T BANK CORPORATION come from?
The states where consumers have filed the most CFPB complaints against M&T BANK CORPORATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against M&T BANK CORPORATION
Across 39 states with at least one filing
- New York
New York
52 complaints
- Maryland
Maryland
35 complaints
- Georgia 20
Georgia
20 complaints
- Pennsylvania 19
Pennsylvania
19 complaints
- California 16
California
16 complaints
- New Jersey 15
New Jersey
15 complaints
- Texas 15
Texas
15 complaints
- Delaware 14
Delaware
14 complaints
Frequently Asked Questions
What is the most common complaint against M&T BANK CORPORATION? ▼
The most common issue consumers report about M&T BANK CORPORATION is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 273 complaints filed with the CFPB.
Are complaints against M&T BANK CORPORATION increasing or decreasing? ▼
Complaints against M&T BANK CORPORATION are rising. The company received 52 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is M&T BANK CORPORATION's reputation grade? ▼
M&T BANK CORPORATION has a reputation grade of C (score: 59.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does M&T BANK CORPORATION respond to consumer complaints? ▼
M&T BANK CORPORATION has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.
In how many states does M&T BANK CORPORATION operate? ▼
M&T BANK CORPORATION has received CFPB complaints from consumers in 39 states, with the most complaints from New York (52 complaints).
What can I do if M&T BANK CORPORATION is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If M&T BANK CORPORATION violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |