Mortgages
M&T Bank: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 287
- Closed with money back
- 5%
- 2023 to 2025
- 71 to 142
Servicemembers filed 10% of M&T Bank's 2,868 complaints in the window, against 2.5% across the directory. The complaints are mostly about mortgage, and the single most common issue is "Trouble during payment process". 5% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 71 in 2023 to 142 in 2025.
What the complaints are about
By product
| Mortgage | 169 |
| Checking or savings account | 46 |
| Credit reporting or other personal consumer reports | 33 |
| Vehicle loan or lease | 16 |
| Money transfer, virtual currency, or money service | 6 |
By issue
| Trouble during payment process | 89 |
| Struggling to pay mortgage | 48 |
| Managing an account | 32 |
| Incorrect information on your report | 24 |
| Closing on a mortgage | 20 |
| 2023: 71 | 2024: 74 | 2025: 142 |
Which accounts, specifically
| VA mortgage | 139 |
| Checking account | 60 |
| Credit reporting | 38 |
| FHA mortgage | 34 |
| Loan | 22 |
What went wrong, specifically
| Escrow, taxes, or insurance | 43 |
| Deposits and withdrawals | 20 |
| Trying to communicate with the company to fix an issue while managing or servicing your loan | 19 |
| Payment process | 18 |
| Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | 16 |
Busiest month: August 2025, with 20 servicemember complaints. Most were submitted by web.
Most complaints came from TX (46), FL (26), MD (26) , then NY, PA, CA.
How M&T Bank answered
| Closed with explanation | 259 | 90% |
| Closed with monetary relief | 15 | 5% |
| Closed with non-monetary relief | 13 | 5% |
M&T Bank responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (276). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Mortgage; Trouble during payment process. CA, 2024-08-26. Outcome: Closed with explanation. Complaint 9909738
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Mortgage; Trouble during payment process. TX, 2024-08-19. Outcome: Closed with explanation. Complaint 9848532
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Debt collection; Written notification about debt. TX, 2024-08-18. Outcome: Closed with explanation. Complaint 9838494
If this is your problem at M&T Bank
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: M&T Bank SCRA: 1-855-350-SCRA and One Request for Every Account.
Compare with mortgages peers
- LoanCare 243 servicemember complaints; 0% with money back
- Ocwen Financial 352 servicemember complaints; 1% with money back
- Rocket Mortgage 228 servicemember complaints; 1% with money back
- Select Portfolio Servicing 220 servicemember complaints; 0% with money back
- United Shore Financial Services 202 servicemember complaints; 1% with money back
Next in the directory by volume: Hw, Radius Global Solutions, Spring Oaks Capital.
Frequently asked questions
How many complaints did servicemembers file against M&T Bank?
287 complaints tagged servicemember were received by the CFPB about M&T BANK CORPORATION between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 71 in 2023 to 142 in 2025.
What do servicemembers complain about most at M&T Bank?
Mortgage accounts for 169 of the 287 complaints, and the most common issue is "Trouble during payment process" (89). Next: "Struggling to pay mortgage" (48).
Does M&T Bank give money back when a servicemember complains?
5% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 13 closed with non-monetary relief and 259 closed with an explanation only. M&T Bank answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.