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I had money in a company 401K that employer put in for me. I left the company in 2000. The owners sold the company in 2012. At that time, employees and ex-employees who had money in the 401K were given option to receive their money. Friend who still works there said he had Wells Fargo open an individual IRA for him for his share. I was never contacted about my share and had never received statements that I even had this money in this account. Now WF tells me that I DID receive this money and the 401K is closed. I told them if I received this money provide PROOF - cashed check, etc. - something proving I received it. No one has been able to help me. They all basically just tell me I don't have an IRA with them and the money is gone. I would think a large bank such as WF would keep better records and could provide proof of where this $11,000 went.


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The business I work for had a $14 million lending arrangement with Wells Fargo. They nearly put us out of business, and in the end the fees they charged us were in the 100s of thousands. These guys lie to get you in the door, then screw you over. Whatever you do, don't do business with Wells Fargo bank or Wells Fargo Equipment Finance. They are the most dishonest, crooked, self serving bank I have ever seen, and I have been in business for 30+ years. Beware, they will find unbelievable ways to screw you over!


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I am single father and travel extensively for work. I added my parents to my account in the event I needed them to handle a banking transaction in my absence, or if were unable to handle a transaction due to unforeseen circumstances. Over the last 3 months, when my mother requested banking services, Wells applied payments to the wrong account and then levied her with late fees, even though it was their mistake. Recently, after applying payments to the wrong account the second or third time, my mother had Wells cancel her Wells Credit Card and pay it off from her Checking account with the account number she provided. Wells pulled the funds from my account.


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I wish I could give a zero star, but this is not an option. I was informed via email that my account was being closed because I was have frequent transactions with funds in transit, which created a risk for the bank. I had been putting cash deposit for my wife to deposit in another bank, but because the withdraws were being done on the same day as the deposit, they claimed the checks I deposit were not credit into my account yet. I made cash deposits, the funds should be available right away, but they wanted me to wait before I could use it.


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Being young I have purchased a vehicle through one of their dealerships. The first few months were fine, but the last 2 months have been a living hell. They lost one payment and tried charging me with 40 dollars in late fees on a payment that they had input wrong, and later found when I threatened court action, and now they are trying to say that a CASH payment through an authorized payment system (i.e. MoneyGram) was rejected for insufficient funds! What in the **!


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I'm trying to figure out why it is so hard to close an account with this bank. One reason I am closing because you will spend your money and instead of them holding the funds they make it available for you to spend until you're spending money that you don't have. Now, I know it's all about me keeping track of what goes out which I do through the dumb website that gives off so much inaccurate information but it's hard when you're always on the go. The customer service agents are rude and very **. I had one say "Yeah I can do that". I went into the branch to close and the agent couldn't do it even after I was told they could once I close the account. Then he says he could do it tomorrow which is now today 6/10/12. I called customer care to have them close it and they tell me that I cannot close my account until Monday the 12th at 8 am. What in the world... These people are crooks and scammers. The entire company needs to be shut down.


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I called to remove overdraft from my acct because if I went over $1 and the fee is $35 it doesn't make sense. The following month it happened again. I was told overdraft was removed but you have a separate type on your debit card. During both conversations I clearly stated I do not want anything paid if through money isn't available. The fees were reversed and I was assured I was fine. My grandmother died yesterday and since my entire family bank with Wells Fargo she was going to transfer me gas money to drive 12 hours home. My acct is negative $119 because they paid a 15 bill and are charging me the fees. I call AGAIN to have it corrected. tTey tell me because they've credited me for the same issue before they can't anymore. The other issues were bank errors but because they can't give correct info I will miss my chance to say goodbye to my grandmother. On top of that my paycheck is direct deposited to that acct so I will also be short on rent. 


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I have been a legal guardian for five years helping the elderly who have been taken advantage of by others. I take great pride in my work and found that suddenly Wells Fargo would not recognize my Guardianship unless I was added onto the account. It was a joint account and the family member would not give permission. I had to go back to court to have account seized because they would not follow their own policy and procedures that state I could close the account. They read in between lines, making statements that were not in their own documents and unhelpful in every instance because I believe they did not truly know the legal aspect of their business and dealing with guardships.


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Why I hate Wells Fargo bank because they constantly let magazine companies charge your account after you have canceled the magazine. I believe Wells Fargo keep hiring incompetent people who do not know anything. That's what I believe unless they do understand. That's right Wells Fargo I want all of my wrong overdraft fees from the past. Act like you don't have them if you want to I will be filing a report with my AG of Alabama Steve Marshall. You best believe it Wells Fargo. We are coming for you.


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2 years ago I went to Wells Fargo to get a personal loan so I could consolidate my credit debt. I was told I had to open a checking account. I did not want to since I already have a checking account with my primary bank that I have been with since I was born because my parents opened a savings account for me. So I opened the account and made deposits for the loan into the checking account every month either before or on the day it was due. Everything was going fine until last summer when I was receiving overdraft alerts. I was confused because I put the money in there for the payment and I know I had enough in there to cover my payment. 


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Wells Fargo refuses to investigate fraud within their own department and quickly will close out a case without proper investigation. My daughter was scammed out of a $2500.00 check and we believe that a teller within the bank deposited the check, but Wells Fargo refuses to investigate. McAllen Jewels is the fraud investigator and returns calls two weeks later by being nasty and uncooperative. He refuses to help with the matter and will close out the case. With the recent news of Wells Fargo being in the news for fraud you would think they would take these matters more seriously.


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I opened a savings and checking account with Wells Fargo in West Palm Beach on 5/20/2017. I had been a Chase customer for over 20 years but had issues with a lazy rude lady at Chase when I went in to open a 2nd Checking account. So I decided to move to Wells Fargo. I setup my online account and added all my payees for online payments. A couple of days later I receive an email that I needed to log in through wellsfargo.com to address an issue. I attempted to log in and my account was locked. I called customer service and was transferred to the fraud Department. I had to verify my payees which I find it odd but I spent about 20 minutes on the phone and we verified the payees. I was told that I needed to reschedule all my payments which I didn't understand why but I said okay and told the lady that I had a few repeating payments and she said that I would have to redo those as well.


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This is the first time I have ever written a review for anything but felt it was important information for someone looking for a home equity line. I contacted Wells Fargo on 4/4/17 for a home equity line of $50,000 on my home that I purchased 16 years ago and have more than double the amount of equity in it. I told them I was using the money to put down on a new house that I was building. They told me my credit score was 833. I make six figures and have no credit card debt. I have over $400,000 in my 401k. They waited for a month to contact me for any documents. Then drilled me for the info. Once I submitted the documents they wanted to review. They finally told me on 5/17/17 that they could not approve my loan.


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The minor savings account was used as an overdraft that I never sign or call for. The money disappears and they close the account without contacting me so they giving me that story without proof. I'm taking them to court.


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I was recently in a car accident and have been off work. I had to take out 2 payday loans to pay for the extra expense. I made arrangements with them when they were coming due and they said they can work with me no problem since my disability. They turn in the checks and WTH!!! Just to be sure on the one that prints their own checks, I put a stop payment on it. WTH!! Wells Fargo paid them both. I had no money in my account... ok... I had 31cents. Now I when disability pays it will all go to Wells and I will be broke and behind on rent. Thanks Wells Fargo. Once I can walk again I am closing my account. You lost another long-term customer.


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I was looking at my credit card statement online and I have a charge from the bank of $73,78 of interest charge for purchases. I guess since they cannot make money any other way, they need to break their clients. I never seeing this kind of charges before. I called to inquire, but it was impossible to get through... I will keep calling and see what this ridiculous charge is about.


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Wells Fargo dealer services bankruptcy debt issues? Filed Chapter 13 in 2012. With a motion to stay to keep my vehicle with an arrears of 557.79 to be paid by trustee as a pro rated payment plan. In 2015 Sept 10th, I called WF to get payoff amount. Was given 1066.00 not including my arrears and my regular payment that was about to be posted. I was told after all that it would be then 352.79 so I paid over phone. 


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I went into my Wells Fargo Branch to turn in my safe deposit box keys and close my checking account on 5/1/17, because of prior bad customer service experiences. The service representative helping me, said they were having computer issues and the system was frozen in the middle of my transaction closing out my Safe deposit box account. I had to wait for the system to work again. Wells Fargo owes me a deposit refund on the safe deposit box and wouldn't give it to me while I was in the branch and since I closed my account previously, they said they couldn't deposit it into my only account left with them which is a home equity line of credit. So I was told the check would be mailed to me within 2 weeks. It's now 5/22/17 and no check. 


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I have 2 accounts with Wells Fargo. One had an overdraft which I was fully aware but I need to pay my car tags so I couldn't make that transfer. I figured I have a week and half to get my next check and it goes directly on to the negative account and we're good... Right? Wrong!! They transferred the money from one account to the other without talking to me and I was completely left with nothing. What a ** move. They could have gotten a hold of me but they didn't.


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New website for Wells Fargo is a complete disaster. Instead of the improving they have definitely going backwards. Just to do a simple transfer over my accounts I have to go and do it at the bank since online is not possible. I went to the bank yesterday and they referred me to a banker who tried to help. He explained that somehow they have created separated log-ins for my accounts and I sat down there with him for 1 hour not being able to solve the issue. He was on the phone most of that time and they seemed not to know how to solve the issue. After a good hour he said he would try to get it fix and would give me a call back which of course he didn't. I am going back today. Is it this bad with every bank or I just choose the worse? Any recommendations would be appreciated.


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Well I submit my loan application with Wells Fargo 6 week ago. After sent it all the document that they asking for. Apparently my document are stocks in underwriter process 1 week ago!!! They did not answers my call. I sent them emails, text message and nothing. My income is very decent, low debt and 690 fico score. I should listed dozens of people that warning me about Wells Fargo and the unprofessional way that they treated their customers. I highly recommend stay away from Wells Fargo for loan application. I will move my business to another brand.


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I went to my local Wells Fargo branch today around 2 pm local time to cash a couple of checks. I waited in line. Only one teller was functional. The manager was seated with another customer and training a teller I assume. A guy with a diamond-like earring. So as I waited in line while the teller was chatting with a customer she knew, an old man walked in and started to wait behind me. I turned around and smiled at him. Then he butted me in line! He just walked in front of me to the teller and told her what he needed. After he left I made a comment, in jest, oh anyone wanna butt me. 


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I made a money transfer to my sister from Denmark to Wells Fargo bank in Anchorage where the banks charged a very high fee of 20% of the amount. Despite the fact my sister was informed, she would not be charged an extra fee in Anchorage, though the money has to go through the San Francisco dept where she would pay a fee, yet she ended up paying a very big fee at both banks. My sister tried in vain to reason with them about this but the bank people just aggressively chased her out the bank refusing to give an explanation. How can a bank do this kind a stuff and get away with it. 


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I opened a checking account with Wells Fargo about 3 years ago, my banker insisted I get a prepaid credit card. About 2 years went by I made my payments on time. Anyway they wouldn't cash my payroll check said I had to deposit it the way my account was set up. Anyway I didn't go back, I used up my prepaid card. I noticed last week they put on my credit report that I owe them $125. I didn't owe them anything. Screws me.


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I have had the same experience with my Debit Card being blocked as one of the other consumers described. This happens on a monthly basis, and when I ask what is the reason my card is being blocked, all I hear is, "Well, the fraud department detected suspicious activity and blocked the card." What a pain in the butt this has been and it continues to happen. Concerning the customer service department, it is very unpredictable the kind of service you will get. Sometimes I get good service, other times, I think the rep is on another planet deep in the ozone layer. I also had one rep say to me tonight, "I have a few questions I want to ax you." Maybe one of Wells Fargo's requirements for hiring people is for people not to have received a GED. Who speaks like that anymore? I was stunned when I heard this and couldn't wait to get off the phone. Looking to change to another bank.


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I usually don't write reviews and certainly not regarding banks, but after having literally the worse experience of my life trying to close my checking account with Wells Fargo I wanted to write this complaint. I am officially on my fourth attempt to zero out my account to ensure it closes. After moving all my banking over to Chase I fully believe this company engages in illegal and highly suspect practices to keep accounts open and in some cases over drafted to ensure they continue to collect fees.


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Wells Fargo is the worse bank. The most sneaky. We trust financial institutions with our money but this one don't. I will make a transaction, it will go through. Money subtracted from your account sit in pending for 2-3 days. Or show at first then disappear and then reappear which cause overdraft. Example paid electric bill on Monday. Balance to begin with was $170. Bill was $167. Sit in pending until Wednesday 12 am. Added $20 on Tuesday. Now I am overdraft of $138. Please tell me how you call the bank. They feed you some bull. Have you thinking you're crazy. I should not have to screenshot my bank statement to prove they cannot be trusted. I stopped my paycheck from to the bank and still have issues. They charge you overdraft and take your money. They have to be stopped.


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Wells Fargo is one of the worse bank I have been dealing with in years. I applied for an Investment loan to purchased a small warehouse the asking price $95.000 of dollars with a 30% down payment. After 3 months dealing with all the requirement and stupidity that the agent asked me for it, my application was under the review of the underwriter or the division lending manager Jim **, which call me a few days later to tell me that he can't approved my loan because he feel it was some red flag with my deal.


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I wish I could give zero stars or negative stars. In January Wells Fargo decided, without telling me, to turn all my stock shares that they were holding over to the state of Oregon. That is, they took the shares out of my account and told me they were with the State; multiple calls with the State have determined that WF is still sitting on those shares. 


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I received a loan from Wells Fargo for an engagement ring from Shane Co. I've been making payments for the last year and the balance of the principal hasn't changed. I originally signed up for the 6 months no interest rate where I had every intention of paying it off. Within that time period my mother suffered from health issues which caused her to need money. Paying for her medical bills was more important than paying my engagement ring so I continued to pay the required amount each month to Wells Fargo but I couldn't pay it all in 6 months. 


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On 4 separate occasions, I've called Wells Fargo's Customer Service. Each time, I received the worst customer service ever. Each time, the person didn't know the answer. Put me on hold. Came back. Another question. Put me on hold again. Came back. This last time, the person never came back to the phone. I hung up. Wells Fargo is too big. That's the issue. The employees are not well trained anymore. I'm to the point where I no longer wish to bank with them.


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I had the funds in my account that a company returned immediately and I checked it. It was there the same day. I said, "Good... I can pay my car insurance now since my balance went back up." So, the next morning Wells Fargo (Fraudo) put a negative in my account when I did my calculations thoroughly and even saw my balance went back up (like they didn't see I was watching). This company I won't say their name, gave me all that money back. Wells Fargo is stealing from its customers or borrowing money from them. My hardworking money needs not to be played with. What's the point of having a bank when you can't even trust them with a dime.


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My wife and I opened a checking account with Wells Fargo over a year ago. When we signed up for the account, they said we would have to be put on a probationary account because our previous bank that we had been with for over eight years did not report our banking history and after six months if there were no problems with our account it would automatically be upgraded to a normal checking account. This probationary account included a $300 dollar a day limit on ATM transactions, $500 a day limit on debit card transactions (which makes bills more difficult to pay) and you could not make mobile deposits or deposit checks at ATM's. We decided to go ahead with it figuring we could make it work for six months.


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Constantly, constantly, constantly blocking my debit card without notice or warning and most importantly without my permission. After dozens of complaints, they still refuse to stop doing this. It's come to the point that using them as a debit card provider is purely impossible since I'm constantly denied access to MY money. After nearly 20 years of loyal patronage, I must close my account and go to a new bank since their customer service is horrendous.


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Why I hate Wells Fargo... I went to look at my checking account online to do my taxes and discovered that since I receive my statements in the mail, I am no longer allowed to view my accounts online. A few months ago I could! In order to do so, I have to change to online statements! What a crock! I am worried that if I do that I will no longer be able to get photos of my checks. Last year, they fooled me into changing my no charge ready reserve account to a fee charging account by saying I couldn't find out information on that account unless I would talk to a customer service agent who required me to change my account. I was not able to reverse the action even though I wrote letters, etc. I think I will have to get out of this terrible bank that has cheated so many people...


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I recently moved from Arizona to Texas. Last week I went online to transfer funds from my Wells Fargo account to my Chase account. After many failed attempts, I then spoke to a supervisor who confirmed that I was unable to transfer my own money because of the type of account I have. While I was told when I opened the account that it was a checking account and was given an ATM card, it seems that this account can only accept deposits (???). The supervisor then told me to do the transfer through a Chase bank request and it would be fine. Wells Fargo still refused to release my money because I don't have a checking account with them. 


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I refinanced and within a month my mortgage was sold to Wells Fargo. They have made multiple errors - from listing my escrow insurance amount a $1000 more than it is...paying my homeowners insurance twice...multiple phone calls to them with different answer every time. Now because of their errors I am $600 behind on my escrow. I have the money (refunded after several months dealing with my insurance company) and understand it needs to be paid, but they made several errors on their end to cause the problem. 


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The deposit time of my online bank statement was altered by someone at the bank. I made the deposit on 3/20/2017. It showed up on my statement on 3/22/2017. On 3/22 I spoke to Jill **, and only her. She deleted the deposit and reversal off my statement record. Therefore I know that Jill ** took my deposit. She deleted the record to cover up that she took the money. It would take a manager to access and delete the entries, the deposit, and the reversal. 


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I was surprised how a bank will be ripping off their customers and this has been happening over the past five years that Wells Fargo bank has been taking out my money any how when they are not supposed to and also I was building my credit with them since early year and they have been messing with my credit report which I don't know why they are doing that, and I have 703 as at two days ago according to FICO credit report. I made my last total balance payment on April 2nd and it's due by April 16th. I paid it fourteen days earlier than the due date so which I expect my credit to increase but instead it decreased. So when I saw this I was bittered and disappointed because this is not the first time nor the second time this has happened. 


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I was looking through my account history for last month and noticed a withdrawal for an amount I never pull out. I look up the ATM which was located on the other side of the country. I then call Wells Fargo to ask about the transaction. They say it was fraud and he could either cancel my card right then or I could go take care of it at the bank and get a temporary card. Before I could answer, he "went ahead and canceled it for me" without my confirmation. Guess I don't get to eat tonight, as I work graveyard and the bank doesn't open for 8 hours. I closed my account with Wells the last time I had problems with them, now I've been thinking, why should I use them at all anymore if they are just going to do whatever they want without asking me about it? And how do they let an ATM withdrawal happen without a hold, on the other side of the country when I use my card every day??


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Wells Fargo may be a good bank but sucks at the investing branch. Wife and I invested $10k in IRAs at Wells Fargo. Completed paperwork at the bank. Sent forms in from booklet we were given. Never heard anything. Called and they emailed new forms. Sent those in. Didnt hear anything. Called again. Said I should receive new paperwork soon to finish account setup. Never heard anything.


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My wife recently opened a checking account at Wells Fargo. She wanted me on the checking account. I am her husband. We went down to the bank. Went in to see about putting me on the checking account. They tell me they require two forms of picture ID. Now I have open numerous chat checking accounts. All I have ever had to do is provide was a driver's license and a social security number. I would have had to drive back to my home 30 miles away get my passport in order to be on my wife's account. I am beginning to think dealing with Wells Fargo bank if you're Brown they want to see more ID. 


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I've been a member of Wells Fargo since 1992, and although I've had negative experiences over the 25 years I've been a customer, I've always figured that these national banks are all similar, so why go through the hassle of switching. Until today. I don't carry overdraft protection as I have never needed it, and have never had any negative marks on my account.


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I'm currently a Wells Fargo customer that have been victimize in their fraudulent activities. In February 20, 2017 I let a good friend of mine borrow $500 from me and sent the money online to her using the cash app with no problem. So on March 10th 2017, she went inside a Wells Fargo branch in Miami and deposited $500 in cash back into my account. So I checked the same day and the money was there with no problem. So last week in the 30th of March I was checking my account and noticed that $500 was missing from my account and it said a teller cash check was taking from my account. So I called he bank right away and was told that someone went inside a Wells Fargo bank and took $500 out of my account. After they told me that I said "how can that be possible because for anyone to took money out of someone account especially at a branch it's either you have the person card or if you go inside you need two proof of government identification." After I told them that the rep told me "oh you are right but we don't know what happen."


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I work overseas and made a grave mistake by opening an account with Wells Fargo Bank. Not only do they have the worst products of any bank but once you deposit your money into their bank you have a devil of a time making a withdrawal if you cannot walk into the bank to conduct the transaction. They allow a maximum of $5000 daily at $30 per wire with a maximum of $15,000 per month if you need to bank online. Their representative spend their entire day apologizing to customers for the rotten service they offer. They do not render assistance to their customers if you are not able to go into a branch and get into a battle with them to withdraw, wire or transfer your money. They will only acknowledge your existence if they are able to send you a text claiming they are trying to protect you when in reality the cell number could belong to anyone.


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Twice Wells Fargo errantly credited an incorrect amount in my direct payment for my pharmacy health plan without explanation. They honor the dollar amount of the payment but do not include the change portion e.g. payment is $37.30 and they only credit $37.00. Their only suggestion is that I file a claim but in doing so the first time the payment was returned to the company putting me in default and then assessing me a fee followed by a letter to the company stating that I had not "authorized the payment" which is untrue. I set up the payments to be taken out of my account monthly for $37.30. Customer Service has no answer for me. I wouldn't recommend Wells Fargo for any banking.


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My daughter went to Wells Fargo bank at 4180 Haines Rd., Duluth, MN on Nov. 9, 2016 to exchange dollars for some Japanese yen and South Korean won. The exchange had been planned with the bank a couple of days ahead in order to make sure the bank had the foreign money. The exchange rate for Japanese (yen) on that day (11-9-16) was 1 US dollar = 105.65 yen. The exchange rate for Korean (won) on that day (11-9-16) was 1 US dollar =1,157.10 won.


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Mobile website NOT USER FRIENDLY. I always click on FULL SITE, to get the easiest readability for my account. But recently, the mobile site takes over, whether I want to use it or not. AND IT'S A BIG NOT. I CANNOT STAND THE MOBILE SITE. IT'S POORLY DESIGNED. Furthermore, things "change" after checking boxes or submitting payment. WELLS FARGO customer for over 20 years - I dislike the branch manager of closest branch so much, that I go way out of my way to steer clear of Bellevue, NE branch. How she ever was promoted to manager boggles my mind.


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The representatives of Origin of Truth Institute went to Wells Fargo Bank in Dalton, GA, on Wednesday on March 29, 2017, and submitted documents on a promissory note. All representatives of OTI sat in an office as we presented documents in order to process said documents. The intent of visit was clearly stated. Calls were made to confirm if the papers submitted were in process. There was one document that needed to be changed and we retrieved the needed document. The Personal Banker said that, "It’s a go” indicating we were ready to exchange on the promissory note.


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I've had the Wells Fargo Home Projects card for 3 years and always made my payments on time. I'm currently remodeling my kitchen and I called last week to make sure the electrician I chose is still on their approved vendor list so I could use my card to pay for the new lighting. I was told by a Wells Fargo customer service rep that my electrician is on the list and I could use my card to pay him. The electrician completed the work on kitchen today and when I tried to pay him with my Wells Fargo card it was declined. 


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We bought a house in FL in 2005 and when the housing market tanked we had to move around where the money was to keep the house and we rented it out. After 8 years and several bad tenants we ask Wells Fargo 2 times to do a modified mortgage and was told they would not because we did not live there any longer but they would help us sell it if we wanted to.


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I had account ending ** for many years. Never a fee was assessed until October 2016. Not aware when the account changed. Even the broker couldn't tell me how. They have been giving me the runaround since November 2016 not wanting to return my $155.


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My son and his wife died in a house fire in Pittsburgh. They had a car loan through this company. They had automatic withdrawal. I notified them they had passed, and to stop taking money out of their account, and come and get the car... They told me as long as they had money in the bank, they would keep taking out the money. We hired a lawyer, he called and they told him the same thing. Of course we are filing a suit against them. It's unlawful to take money, from the dead... The day they were informed, they shouldn't be in their accounts. Law says dead people can't pay their bills... If you use this company, or looking for one, look at what they are doing to the dead. What will they do to a live person...


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I came in to deposit some checks and Serge (at Wells Fargo Val Vista Town Centre) noticed that my front tire was flat. I was very surprised and was going to the gas station to get it fixed ASAP when he offered to pump my tires for free with his electric pump. He was very kind and courteous and I am glad that he helped fixed my tires. Never, had a bad experience with Wells Fargo.


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I was charged a $15 fee to use my Wells Fargo savings account to make a payment on my Wells Fargo credit card. It is also crazy that the money came out of my savings right away but shows only 'pending' on my credit card... umm Wells Fargo you have the money and you knew it was in the account that you took it from so what is the hold up? Once my card loan is paid off I am changing banks because this one will nickel and dime you to death.


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This was the WORST for investments!!! About 7 years ago my mom gave me $2000 but she insisted I invest it with Wells Fargo and buy stocks and I could do a low risk/low reward account. I did, and I bought stocks from 4 different companies via my financial advisor. In that entire 7+ years I had that money invested I NEVER made more than $300. I recently closed my account because it was pointless to keep it in there when I need it now. I made a whopping $216. They of course taxed the $216, and on top of that they charged me $62 commission fee for each stock I closed. So I gave them $2000 and 7 years later I got back $1957. I am luckier than some, it could've been a lot worse, but I would've made more off interest if I kept it in a bank savings account and that's pretty sad... NEVER do ANYTHING with WELLS FARGO!!!


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Very disappointed in Wells Fargo service for simple request to revise the name on an existing account. So far it has been a two and half month, 16 plus phone calls, hours and hours of conversations and three trips to branch banks... Still I get different directions / requested for form work and forms they can not find after they get sent. Have requests to discuss the matter with a supervisor (five times and counting) but no one is ever available and although promised, no one ever calls back. They are about to lose a 38 year long customer.


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This bank as been ripping off customers for years. I applied for credit card and received one with $2000 credit limit. I paid every month. In 2011 I was diagnose with cancer. I still worked even in pain. I knew it would be difficult to pay some of my bills so I started paying larger amounts on its credit card. They reduced my credit limits immediately. So long story short they could not tell me the reason for the reduced credit limit. They closed the account. Sue me for 3,000, and garnish my wages and took money that did not belong to them. Trust ME NEVER, NEVER EVER DEAL with WELLS FARGO. CHEATERS.


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The bank that loves charging overdraft fees! They don't show checks when they are pending or going through, but they show debit card transactions. They charge overdrafts fees even if you're overdraft by $1.00. The company has you sign up for notifications, but they don't notify you when a check is clearing or if you're overdraft unless you used your debit card. And when I say check, I don't mean paper checks, but automatic payments, because some are treated as checks. When THEY make a mistake they tell us that they refunded the overdraft fee, BUT we cannot see it. We were told wait for our statement, then we will see it. A load of garbage. This bank is only there to serve the rich, not the average joe! Citibank treats its customers much better.


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If I could give No stars I would. I have been with Wells Fargo for 13 years and this last past year, continuing to today they have found out how to bounce my account out every Thursday. They wait till they know my direct deposit went through then pick up either an already processed charge and re-post that as pending so the account bounces. Or they un-post items that were already posted in such an order to apply the maximum amounts of overdraft fees onto the account. I will literally screen shot all the pending transactions and the amount remaining in the account, then the next morning they have un-pended all the transactions and re-work them systematically in order to bounce the account and collect $35.


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Wells Fargo has terrible service. It so bad there are no words to describe how bad it is. I wish I could give negative stars. I made a payment on Mar 9. Funds were withdrawn from my bank on that date. I no longer had use of them. Yet Wells Fargo did not release them to my account and placed a hold on them for 12 days. The only reason I can see for this long hold time is that Wells Fargo intended to USE MY MONEY. There is NO EXCUSE for that. It is MY MONEY. Avoid this bank like the plague.


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I placed a stop payment on a check. Wells Fargo wanted to charge a fee of $40.00 to place a stop payment until I spoke with a manager and he then waived this fee. After placing a stop payment action on a check with the value of $125.00... the check was presented 7 days later and Wells Fargo allowed the check to go thru. I cannot understand how 7 business days could go by and in the year 2017 Wells Fargo did not/could not have the capability to flag this check and NOT allow it to be cashed. When I have ANY other transaction(s) that occur with this bank... it all happens within SECONDS! When I took this matter to many people within the Bank they all told me there was NOTHING that could be done. What a shame that I was not made whole when clearly Wells Fargo made a mistake. 7 whole days passed by and they were not able to STOP this check. Taking my business to a bank that cares.


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Recently reviewed my credit report and found a line of credit that was opened in my name then closed some months later by a Wells Fargo banker without my consent. Then I log onto my checking account online today and find a retirement savings plan opened on my account that I did not open. Wells Fargo is shady and fraudulent. I will be closing my checking account with them immediately.


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I filed a claim against State Farm and Wells Fargo last September 2016. I had a flood in my basement. The entire bottom half of my house will have to be remodeled. I have gotten estimates at $10,000. State Farm will only pay $4000. The check is made out to me and Wells Fargo and they will not reissue a check in my name only. Now Wells Fargo is wanting me to fix the basement but I have 6 large rooms and $4000 would go to maybe just one room. They won't allow me access to my account on their website and every time I call I get a different answer. The $4000 check is from my insurance company that I am paying for. This is the worst company I've ever had to do business with.


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Due to our Heat/AC dying we purchased with local company we love however they use Wells Fargo Financing. Wells Fargo is rude, call my employment even when I have paid online and will not respond or listen to anything we tell them. Had got 1 month behind due to financial problem and the due date. Heck, even when I asked to change to a due date that corresponded to our pay period they were not willing to change, finally did later. Guess they wanted the late charges since it was a 0 interest for ** number of months. Have repeatedly told them no work calls. Basically they are vultures. I don't recommend anyone using this company for any reason!


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I have been paying on my house here at ** for 18 years. I had a brain aneurysm, a heart attack, and broke my ankle in three places. I called Wells Fargo asking for help to lower my house payments. They jacked it up a hundred dollars more. I told them my health issues. They told me that I was probably living above my means now. Because I got sick I guess. They wanted me to pay 702 dollars on a small two bedroom home. It's just crazy. They won't even help me after I have paid in 18 years. Now I will be homeless. I have no family no friends. My parents have passed. I've tried for 8 months to get help every way I've tried and turned. No money no help. Wells Fargo is not in the market to help people, but to hang people. I no longer believe in Wells Fargo. Their only goal is money. You the customer doesn't matter! Thanks for nothing Wells Fargo. Homeless because of you!


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I used to use Wells Fargo for my business account and always had holds put on check from customers. One time I was paid a check from my father's company and a 10 day hold was put on the check. I called my dad and asked him to check his bank account to see if the check had cleared. Guess what, the check had cleared in one day and Wells Fargo was sitting on the cash before depositing into my account. I immediately closed my business account.


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Initially I was hesitant to open an account but my job banks through them so I did. Before the new years and up until 2 weeks ago, someone had been slowly siphoning money out of my bank account. I immediately notified the bank and first they credited the 600 dollars that was stolen from me then 2 weeks later they reversed the credit putting my checking account at 0 dollars and denying the claim because they didn't want to take responsibility for their breach. These new cards with a chip are supposedly safe but that's a wisecrack, something to pacify consumers. Now I have to wait 48 hours for management to review my claim and reach a final decision. I was told my case would not be reviewed again if denied and I would have to take it to claims court! Wells Fargo does not care about their customers, all they care about are profits and taking other people's money! Corporate crooks!


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Wells Fargo Bank steals from its customers. That should come as no surprise. But what is worse -- even if you have an account open with them they will charge you a "monthly service fee" just for them to hold your money. I noticed that my savings account was slowly losing $5 here and there -- thought it was from credit card payments or something. Lo and behold, Wells Fargo STEALS this money and calls it a "service fee."


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The way I have been treated as a customer through the student loan program has been awful. You would think Wells Fargo would want to use this opportunity of reaching young people to try and make them customers for life. I will never bank with Wells Fargo again. You could give me a full percentage point lower on a mortgage and I would still rather choose your competitor. Any car loan, mortgage, investing or any sort of banking I do will only be with Chase or a small bank. I have never disliked a company enough to want to boycott them or tell all my friends and family to avoid them until seeing what it is like working with Wells Fargo.


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I have had an Equity Loan with Wells Fargo for 13 years and have always made the payment on time and have paid over on the principal. I used the money for personal things. It was made on my house that was worth $250,000 or more. I had Tower Hill Insurance and after 10 years my upstairs Porch Collapsed in 2014 and the insurance company did not want to pay the amount to fix it. I hired a lawyer and have been dealing with this for 2 years. The Insurance company dropped me and I am unable to get insurance as having a case open. The bank had to take out insurance to protect them which is almost 3 times what I was paying and for not much coverage as I had. 


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I deposit 500 in the ATM... a wells Fargo check. My account not negative... they hold the money. All of it till the next day. Tomorrow. I needed to place an order that now can't be placed till Monday... meaning it delays my work. 3 days of idle time. Yes I should have taken my check inside. I could have had 500 in hand. I have been using the ATM for a lot of deposits... Never had too many issues. Last two times... I'm done with Wells Fargo... with this bank. Monday I'm closing the account... Going to credit union. Thanks Wells Fargo as I have not one dollar to my name. We can't eat... anything for no apparent reason. The ATM changes the way it does biz.


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Wells Fargo does care about their little people customers. If you are not a big business they could care less about you... They charged me a 4$ interest fee after I paid one of my accounts off and then said the fee was based on my average balance??? Made no sense if my balance was 0$... needless to say I have canceled/closed all my accounts with them over that 4$ which they should have just reversed... I will never do business with them again and can't wait to pay off my other account so I can be done with them for good since I'm just a little guy customer that doesn't matter... I have only spent $10000+ with them over a couple years.


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I recently had a check deposited into my account. I wanted to receive cash back but I was told I couldn't because I had a overdraft in the last 6 months and they was holding the check for 7 days to be verified. So I went to the ATM to get cash out and they blocked my card. The only thing they are saying is because of the check amount, they have put a hold on my account. I have given them my ID and all and still can't get money from my account until 7 days. When my money deposit, I will be closing all my accounts. I have had so many problems with them it's ridiculous.


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Terrible bank!! Run far away from these crooks! First of all they set into motion overdrafts that will create 2 instead of one. Let's say you had $100 in an account. You had a bill you paid for $20 and later a bill for $81 dollars. They will purposely run the $81 dollar first even if payment was made much later just to stick you with two overdraft fees!!! Thieves through and through. My wife and I had separate accounts, she had numerous times called and emailed and shown up in person to isolate me from her account. Now she stopped using that account and stopped all transactions.


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I have been a loyal customer to Wells Fargo for nearly 3 years now. I have done business through this bank as a non-customer and was pleasant with it. I decided to open an account and give it a try. I liked how everything was cutthroat with depositing and withdrawing money via through debit card. But as time went on I was beginning to really dislike this bank. The minute you get inside the bank, you have a banker standing there to harass you to open something new or they are trying to sell you something even if you had mentioned you weren't interested. The next time they'd ask again! I found this very annoying.


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Resetting auto pays, fraud accounts, Seattle found it reckless. Back in December I opted to not use the auto pay. Each time a new day populated or an amount auto entered. I did my best to populate deleting the auto pay accounts more than once. Only after they paid on a nearly empty account and my calling to complain did they reset it back. Deleting them again! Previously I set them for sending payment to my credit card. It didn't arrive till after I complained. They started new fraud accounts and lost Seattle, WA as banker. Today is the last straw, to a new bank I go.


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I am having the worst experience with my WF loan service. I purchased a vehicle that was financed through WF via trade-in. I paid off my past vehicle which was also financed through WF. I cannot seem to get any answers regarding why I am continuing to get 'past due' notices for my paid-off vehicle. The billing for my new vehicle is confusing as well. When I sent an email to the website, I received a secured message alert. When I opened it, it read that the message was no longer valid! WTH! If I could give this bank a negative star, I most certainly would! It should not be that difficult to keep past and current loans straight.


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We purchased $7,000 in carpet for our house and was financed through Wells Fargo. We signed up for online statements and paid the account in full on time. Then we purchased $600 worth of carpet in June and argued between Wells Fargo and Empire as we were unable to make a payment online as we were never charged. In August of 2016 we were told by Wells Fargo that when Empire finally put the charge through, we would begin receiving the emailed statements again. In December we received a letter in the mail that we were delinquent. We called and paid the account plus the late fees, even though they were not our fault. Now we've received late marks on our credit and they has the nerve to send us a letter that after a review of our credit, they decreased our credit from $7k to $700. 


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My credit/debit card was stolen today. The moment I discovered this, I immediately called Wells Fargo to report it. This meant I did not wait until I got home (40 minutes away); it meant I attempted to perform this task on a sidewalk without my online banking account, my statement, my account number, or the blood of my first born child - all things they seem to require that I produce to prove I am who I say I am when I want to STOP people from removing unauthorized monies. But I am getting ahead of myself. So on the sidewalk where I have discovered the unfortunate fact that I have been robbed of my card, I whip out my handy dandy cell phone (thanks to the miracles of modern technology) and promptly enter into the phone answering system that could not process my accent. After several attempts, it kindly suggested I use "the phone keypad to enter your account number". Fabulous... if I had the credit card in my hand to report it stolen.


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To make a long story short, Wells Fargo Bank, without my knowledge or permission, 'punched' my Safety Deposit box, and removed my valuables. They violated every legal rule regarding Safety Deposit entry. They have been evasive and non-compliant in the return of my property. Even with legal representations Wells Fargo Bank is ignoring the situation. I have been a loyal customer with them for over 33 years and have had a Safety Deposit box for over 20 years. They are saying "they have no record of me having a Safety Deposit box"... Really!! I have the keys to the box in my possession and last accessed the box approximately 3 years ago. This has gone on now for several months and a considerable amount of financial legality for an attorney.


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I have several business accounts and personal accounts with Wells Fargo. Today I deposited a check from my business account to my personal account. Normally, those funds would be available immediately, or so I thought, since both accounts were at the same bank. I got back to my office and found out that the funds were going to be held for 24 hours. I went back to the Wells branch where I made the deposit on Bee Ridge Road in Sarasota and was told about all of the reasons why my funds could not be made available. Evidently since I wrote a check from my business account to myself and deposited that check into my personal account, the system puts on an automatic hold for 24 hours. This has NEVER happened to me before. Wells was unable to rectify the situation and therefore I do not have the available funds today that I wanted. This sounds very shady to me and we will most likely be moving all of our accounts as a result.


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I was mortified to read the other review about what happened with the other customer's escrow. The same illegal escrow account mismanagement is happening to me. We closed on our home at a very good rate with a local bank; we argued over the closing costs, and I think as revenge, knowing we were relieved to have escaped Wells Fargo, they intentionally sold our mortgage to them. I'm pregnant with two young children to take care of, but am trying to deal with all of this. We switched homeowner's insurances and immediately paid the amount into escrow. We were told they mailed a check fully 12 days ago now, and I call in "every day" and they have said different lies - that they will cancel the check and wire the money, oh but today they can't, only if it gets to the last minute. All lies. They are clearly trying to do what they did to the other customer - double our premium by forcing us to go with QBE or whatever their company is. 


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I have had Wells Fargo for about 2 years. Today I went to check my bank account over the phone and it transferred me to customer service. My account has been overdraft for about a week due to personal issues. I called last week to tell them that I am getting a direct deposit into the account on the date and that it would cover it to put a note on the account. Well call today for the rep to tell me that they have closed my account due to the account being negative. I'm just so mad. How can they close someone's account and not even call or notify the customer that they are closing the account.


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Very entertaining. Recorded phone call with Janette **, the incompetent rep that is a robot lol. They bait and switch the mortgage recording cost, from $250 to $550. So greedy this bank even after the scandal! Mortgage recording?? I'm paying for something that should be free!!! With all the interest I paid over 17 years this bank has some nerve trying to charge for pressing a few buttons! Evil, dishonest and unethical.


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My financial track record wasn't the best when I opened my account almost three years ago at WELLS FARGO. However it was simply due to being uneducated about the importance of credit and how it ultimately affects your entire life to a certain extent. I learned over time that my credit was in dire need of fixing and started by opening an account at Wells Fargo.


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We were pre-approved for a loan to purchase a home in Arizona. I sent all the required documents that they asked for and was told two or three times that nothing else was required from me. Then I was told that I needed to send more documentation (this happened two or three times). I received a commitment letter from Wells Fargo, and again, they wanted more information. I sent 10 months of bank statements, proof that my homeowners insurance on my current home was paid, proof that I was up to date on my payments for my current home, proof that my property taxes were paid up to date on my current home (although my current home has nothing to do with the loan we applied for).


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They are increasingly adding fees that just aren't justified. My newest favorite was the release of their TERRIBLE, new website for online banking. It strips you of privileges you used to have, and still get from other banks, and then when you need them back, charge a fee for these now special services. Their brick and mortar stores are so annoying to visit now. To cash a single check you have to explain to a door greeter your visit just to get in line for a teller. Then work with a teller who has to call over a teller manager to greet you and ask you questions EVERY TIME you want to deposit a check. Yeah, not cash, DEPOSIT. I was trying to do my taxes and book keeping for 2016, and couldn't see my checks deposited on mobile banking for more than 90 days. If I wanted any more, it's $5.00 per print. Ridiculous.


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Years ago I had a WF mortgage and escrow. The escrow was badly mishandled - they didn't pay the insurance on time, and then tried to make me pay for QBE (their own company) at nearly twice the rate of my real insurance company when the coverage lapsed for non-payment. I refinanced to get away from Wells Fargo, but as weirdness will happen, the loan was eventually sold back to Wells. I did manage to get rid of the escrow portion and all went along per plan.


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I had a large home equity credit line that ended after 10 years of interest-only payments. When that happens, you then will repay monthly for both principal and the interest at a new rate. Well first I looked at my original documents 10 times, then I spoke to 5 Wells Fargo people asking them to say what my new interest rate would be. Their answer was, "That is proprietary company information and we can't tell you how it is calculated." Unbelievable!!


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On 1/3/17 I went online and canceled the bill pay to Lakeland Electric and made the payment myself with my debit card the reason and the back stated the payment would not be received by the until 1/7/17 online the bank paid it anyway on 1/4/17. After several calls to the bank and including a person to person they informed me on case #** to contact the electric company of the issue and that they would be contacting them to take the back the electronic payment. I informed them by email of the problem and that the bank will be contacting them re the issue. I rcvd an email back confirming the issue and waiting for contact from the bank.


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I called in looking to transfer my retirement plan to another company. The first time I called, I got transferred three times and got hung up on. The second time I called, I got transferred twice and specifically asked to get a direct transfer due to the fact I got hung up on. The girl I spoke with had no idea what she was talking about. All I wanted to know is what they require from me to complete the transfer and I thought this was a simple question. Not to mention, I get e-mails almost every two weeks stating my online access has been disabled due to "suspected fraud". I don't trust this company with my money at all whatsoever and I can't wait to close my account.


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I didn't ever want to deal with Wells Fargo after dealing with them at the base I was stationed at in England, but my wife signed up for some kind of 2nd chance checking account to help restore your credit. Like they care. 2nd chancers are exactly what WF want so they can hit us with numerous bad check fees. We have a Netspend account through my wife's employer. Netspend is a prepaid debit card that is through the Bancorp Bank. Some of the advantages is spending is done in real time. So if I got to a store and buy 20 dollars worth of goods that 20 dollars will be deducted immediately from my account and I will get a phone text that said 20 dollars was spent.


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I am a caregiver, my employer recently passed away Oct 14 2016. She had written my paychecks to me prior to her death. I was informed by Wells Fargo bank that I need to summit her death certificate to the bank before cashing my checks. I did so on Jan 24th 2017. Which I received her death certificates on Jan 20 2017. After providing all the documents the bank required from me Wells Fargo put a block on my employers bank account and refused to cash my paychecks due to her passing away. I explained to the manager at the Wells Fargo branch that she was not deceased prior to her paying me for my job of taking care of her in her home for 4 1/2 years. They told me at first I needed 2 forms of ID for the Wells Fargo to cash my checks which I was providing to the bank manager. Then she informed me she wasn't going to cash my paychecks because my employer passed away.


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Wells Fargo is up to its old game creating fake accounts again, but now they are doing it with a twist. Last year I had to replace my HVAC unit, so I fell for the same as cash if you pay equal amounts over the life of the loan. They called this loan a Home Project Loan and a credit card came with it. If you were late or missed a payment you would be hit instantly with the full interest payment (28.99%) over the total amount borrowed.


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Had a problem at first getting my money back. I submitted a dispute over $581.19 on the phone a couple months ago through the claims department, went from one adjuster Mehsute who denied the claims temporarily to another adjuster Peggy who obviously has no clue as to what she is doing. I finally get the adjuster to agree to credit the account, which they marked as provisional credit. No more than 2 minutes later I get a callback from Peggy who turns around and denies the payment right after we agreed that they will credit my account the full amount and they would dispute. Had to then be connected to a claims service consultant Jeremy ** who tells me I have to wait another 15 days for the dispute to be active after I have already waited more than 15 day prior to calling them November 11th. 


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My experience was horrible. Money "disappeared" from my account, not once or twice but 3 times. I'm dumb enough to had stayed with them but at first it was $13.00. Supposedly they had said it was a glitch. Ok. Next time it was $50.00. I went over to my local Wells Fargo by 1st Ave and Washington in downtown Phoenix Az. The teller was so rude and was getting pissed off at me for wondering were my money was. She yelled and said I was being stubborn and asked me to leave but before I asked her if I can clear my account and she said "no that that was not possible at the moment." Whatever again stupid enough. Now $96.00 went missing when my card decline and before that day at 11 pm I withdraw $20 from my local Wells Fargo ATM and I print my receipt which said I had 96 dollars left ok. I used my card. It declined! 


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They are the only bank I ever heard of to charge a fee to cash their own check. A check made out to me from a client, I went to W/F bank and they wanted to charge a fee to cash a check. Horrible horrible bank. Watch out for misc. fees.


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Having spent $75 on a balance transfer of just $1,500, in an attempt to avoid interest fees and give myself stress free time to deal with the debt, I have learned that one simply cannot have a stress free/surprise fee free experience with Wells Fargo. In the last 3 months, I have been charged $65 in fees - 3 interest charges that I didn't understand, and one late fee, the highest fee a bank is legally allowed to charge, of $37. While apparently explained to me, but not transparently so, the $1,500 is not a static interest free amount, but an amount that dwindles every time I make a payment, so while I still have a balance of under $1,500, the majority of it now bears interest. I wouldn't have used this card had that been properly explained to me.


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I previously wrote reviews on an insurance company and a general contractor that did an excellent job in helping me recover from rebuilding after Hurricane Matthew did major damage to my home. When an insurance check over a certain amount is issued to homeowners, the mortgage holder's name is also listed as an endorser on the reimbursement check and this is understandable because some people walk away from damaged homes after cashing checks leaving the mortgage company stuck with a damaged home.


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Poor customer service. Representative I spoke with was not knowledgeable as to their product or specific service. When I queried the disclosure and attached 28.9% a.p.r. I could not get a straight answer as to particulars - basic information. If you are charging such exorbitant interest rates, it would seem more professional if the person, entity, knew what, and why - right? Loan sharking at its finest - not.


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I sold my townhouse & paid off my Wells Fargo mortgage in June 2016 & then found a condo to purchase which would cut my cost of living in half so I could retire. My offer on this condo was accepted in July 2016 & I took it to Wells Fargo to apply for a mortgage for the balance I needed at closing. They knew I was retiring & this was the whole purpose of selling my large townhouse & buying a smaller condo so I would have much less to finance. I had enough equity so I only needed about $28,000 to close so Vickie at Wells Fargo in Colorado Springs put me through the whole mortgage application only to find out that my amount was too small for a mortgage. Shouldn't she have known that before I went through that whole process? So, then Vickie said I could apply for a Home Equity Line of Credit for the cash to close & sent me to another banker in that department.


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For the past 2 months I've had to call and talk to customer service to access my account online (9 times). They have make me change my username name and password every single time. I've been a client for over 15 yrs. Never had to deal with this until now. It is ridiculous the amount of time I have put in on all the calls. I'm closing my account today. With all the money they have they should fix their online system because it sucks, customer service sucks. Every time I call they transfer me over and over. I had to get transfer 3 times just to place a formal complaint. Wells Fargo doesn't deserve not even 1 star.


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Do not use Wells Fargo or Wells Fargo Dealer Services. This has to be one of the Nation's most dishonest companies I have ever done business with. Let me start by saying there is absolutely no need to even waste your time dealing with this Supposed Office of the President. Andrew ** is a Supposed Supervisor or Analysist, along with a supervisor named Christian. These guys are not there to help you. Their jobs is to collect information about your situation or whatever you say Wells Fargo has done to wrong you and use that info to protect Wells Fargo, not to resolve the problem. I have been overcharged interest, fees and etc. These employees are evasive, deceptive, never fixing any issues. 


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Wells Fargo will not even waive a $27 late fee. For a huge company they can not waive a $27 late fee which was sent well in advance. We sent in a payment on 20 days before it was due, and they did not process it until 5 days after it was due. Wells Fargo blame it on the postal service. Never been late once with them, and they can not waive a $27 fee one time. I talked to a rep, and a supervisor, and nothing could be done. I guess they need the $27 to pay off their advertisement for the commercial that they are buying to apologize to the American people. I understand that the supervisor was backing up the Rep his own co worker, but I know other huge companies would of done a one time waive fee. Please think twice about using Wells Fargo for any home project loans. This is our second time, and it will be the last time. Never late!


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I have received 12 overdraft fees at the rate of $35. each for 3 checks to Walmart. I have never written any bad checks while banking with Wells Fargo since 2008. In addition, I have deposited over $1,000 since and am now negative $102.00 due to these fees. This is customer robbery and I will be changing banks. In addition, some of these deposits were direct deposits which were held for up to 72 hours before being deposited. This in turn would give them the right to once more charge you an another overdraft fee. Three checks have now cost me over $600. This is extremely excessive overdraft fees and feels like highway robbery! They are definitely a very crooked bank. I had no problems until 2015.


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Contacting Wells Fargo regarding two double debits to my account (causing it to be overdrawn) and six $35 charges. Made three calls, waiting each time 15-20 minutes. Transferred during each call 2 and 3. Got one issue resolved, only to be cut off for the third time. Gave representative my phone number; thereby, should we get cut off again, he could call me back. No return call (1 and 1/2 hours and issues still not resolved). Will now make my fourth call! ONE CALL should be all need to make...not 2, 3, 4, 5.


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Deposits are just fine. What Bank doesn't a deposit? It's what happens after you deposit. You schedule payments for obligations in a timely manner expecting your debts to be paid on time. That does not happen routinely. Payments go thru days behind schedule and your actual account balance gets a little fuzzy. Very unsatisfying to experience. Your money gets Drab Grey instead of staying a nice healthy American Green! I don't appreciate you playing with my money WF!


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I've been with Well Fargo since it was First Union. I have several accounts. My balance not different that the average person with up and down in activity. I received $600 in rental income every month and deposit it in personal account. This last time $400 was on hold. After only get a partial refund on overdraft fees I asked for the policy of formula for placing holds on deposited funds. Speaking to several customer service reps, the last being Lisa **, I was informed that this is no formula of determining which deposits will qualify for holds. Meanwhile, I have to eat the overdraft fees. Because of not calculable formula I was not able to assess whether to consider transferring $ from one of my rental accounts to cover the incurring overdraft. I may have to end my relationship with Well Fargo. FYI. These similar shady business practices is why I didn't transfer my mortgage with Wells Fargo.


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Wells Fargo has put me through hoops after hoops to close my dead mother's account. I am the executor of the will. I brought the death cert, will and copies of power of attorney to the bank. They called me about an hour later and forced me to go to court to show I am the executor of the estate. It took 2 months to get the court date. The judge signed the document stating I am the executor of the estate. I brought this back to Wells Fargo. They said they had none of the documents I brought to them in Oct a week after my mom's death. They told me they would send all of the documents to legal and it would take 5-7 business days to get them processed. 


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I use to access Wells Fargo from my app on the iPhone 5 or through the link on my phone to the actual website on my phone. I also accessed it through my computer. The website access allowed you to do everything and view everything in my bill pay. Now I can no longer access the actual website. When I try, it immediately sends me to my app where I can not access all of my payees (most often used and not so often used), see my payment and history with a payee, and I can no longer send a check to an individual without an account. No explanation is provided and this is useless. I am currently overseas and am having extreme difficulty. What happened to the access I use to have to my account?


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Consider taking a walk, don't use your car, to the furthest Wells Fargo branch in your area or even in a neighboring area. It is way less frustrating than staying on the line for 40 minutes one day then for 1 hour 29 minutes the next day to reach the right banker who can help you with an issue. Does WF read these comments or even care? And this automated message: "we apologize for this UNUSUAL delay. The next available banker will be with you as soon as possible." I can't get it out of my head!


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We were offered this HOME PROJECT CARD through the company who installed our windows in our home. I thought at the time that this was a great way to proceed with the financing for the windows as this was a card we could use at a later date if we needed or wanted to upgrade anything in the future. The only downfall is that you had to use their pre-approved vendors which is very limited. I was not aware that the the card only has a 1 (ONE) year valid date. Most "credit cards" will have an expiration date extending out a couple of years. Not this one folks. 


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I seriously hate Wells Fargo! Seriously despise Wells Fargo! I would not refer anyone, not even my enemy or Satan himself to this bank! I have disliked this bank and their antics in the past few years. It's amazing how in this day and time you can't provide your members with the correct balance on a day to day basis. Why do I show a certain amount on 01/03 then I'm in the negative 01/04, as if I don't know what amount to not go over. You are the dirtiest bank I have run across and I will definitely be taking my business elsewhere and I will use word of mouth to discourage any family, friends, business partners, colleagues, or associates from doing business with this bank. They'll be better off putting their monies under their mattresses.


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For so long time, I really don't have a problem with them but when I called for three things... I want to block one thing that will always draft from my account and they said it will charge me for $31 which I decided to drop it and asked about the redbox amounts. I knew myself that I don't pay something over $8 for one event. I told them that it was not from me and they go ahead closed my debit card which I didn't realize I couldn't use my card for few days... I told them "no. I don't want it to be closed." They had me to transferred to claim dept. to get it open again and drop the claim... I did and then I speak with a person named Terrence work ID ** in North Carolina. I told them to keep my card open please. They said they couldn't unless I said I did so I decided over $8 is not worth my time so I said "yes I did it..." My mistake...


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Why is it you have done this to me again. I have tried to see your opinion and found it to be wrong. Simply my card was not working. You have been told do not suspend my account yet you did. Not the first time this has happened. Are you guys insane? Are you stupid? Then they gave me a lame excuse. Even though I have been a customer with the Royal Bank for over 30 yrs I recommend trying other bank. You can’t do the simplest of things. First time cost me 1000 dollars. Second time cost me fuel and time as I live 2 hrs away from the nearest bank to which I had to identify myself. I was in Monday at the bank in Thunder Bay and back in on Friday in White River. Amazing. The first time you closed my account and moved it to a bank I have been to three times in my life time. Thanks Again.


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I transfer money over from another savings account to cover payments coming out. But RBC realigns how you spent your money in a different order than what you actually bought then bounces your payment by holding debit transactions for days and charges you NSF. NEVER ONCE HAD I EXPERIENCED THIS IN MY 28 YEARS WITH MY OTHER BANK.


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I had an open mortgage and deposited online 5000$ 5 days before the mortgage to be closed. The transaction was not recorded anywhere to be seen. 5 days after the mortgage was paid off in full the 5000$ were withdrawn from my savings account and simply disappeared. Several calls to customer care and no answer where the money went. After couple of weeks 4480$ were deposited in my account with no message where the money came from. It turns out these were my 5000$ reduced to 4480$ for unknown reason. Customer care and branch manager couldn't tell why. It is a month later and still no money and no response from RBC. Total incompetence within the RBC employees and zero customer service. Terrible bank to deal with.


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Please pay attention to all sellers, Some scammers use this bank, their users will raise disputes after receiving the goods, We have provided all the order and tracking information, showing that the customer has received the goods, but this bank still returns the money, It's the paradise of scammer.


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I would leave a negative review but it will not allow me. Since when does a bank get to decide what your withdrawal limit is? RBC sucks and it is the worst bank I have dealt with in awhile. I called to ask to have my withdrawal limit increased and was told NO I can’t. There is money in the account and I cannot withdraw any. Real nice RBC. This is absolutely stupid. A bank is allowed to tell you what you're allowed to take out and spend when it is your money.


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When booking flights online the system texted a cardholder authentication code to my phone and when the code was entered it was not accepted. A second code was successful and the booking went through. But the failed transaction was later taken as a security breach and the card was blocked but nobody bothered to inform me. When I could not use the card I had to attempt to use their customer service line which was a nightmare and a monumental waste of time. I waited an hour and a half to reach someone who just put me right back on hold after saying they would not put me back on hold. A recorded message then announced that I was back in a queue and the wait time was "more than an hour". I have multiple accounts at RBC - business, personal, investment, line of credit, and credit cards. I am a good customer but I don't know what one has to do to be treated like one.


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Watch out for RBC’s hidden charges and terrible, poor management of your money. They will not tell you about many fees they charge, and you only realize until it’s too late and they have already charged your account! I put $20,000Cdn into one of their funds, and this is what happened: 1. In one year, my investment lost some 20% of its value! 2. When I had almost recovered, I decided to pull-out and take my money somewhere else. To my surprise, they still charged me $760Cdn on withdrawing my money!!! This is hard-earned money on savings that were intended for my retirement. What an abuse!!! And then their Customer Service is the worse you can expect, because RBC will not help you a bit and instead they will only try to defuse your claim! They seem to be thieves with a license!!!


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I was with BMO for years and mistakenly thought I could receive better service at RBC, it was a nightmare from the start, beginning with their fraudulent promises of a new iPad for switching, which never showed up. Followed by misinformation regarding the functionality of their trading platform for investments, I went through the trouble of switching all of my stocks to their platform, only to discover it didn't have even the most basic function of a trailing stop, then had to transfer everything back to BMO. 


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I was supposed to have a larger sum of money transferred to my account. I spoke to at least 7 customer service reps. Each one made up a different story about where my money was and when it had been transferred (when it In fact had not been). They seem to work from home and just want to get credit for doing a call but don’t actually take the time to help you. If you ask for a name so you can reference the call they tell you it’s against “privacy acts”. Unable to reach a manager. Extremely unprofessional, I would never bank here again.


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Very bad service either online or in branch. Finally, I transferred all my accounts out of it. Don't want deal with them anymore. Very rude phone answering, long waiting time. Make you wait and transfer to many different people with no correct answer.


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The RBC is worst bank I have dealt with in my life. There are so many things wrong with this bank I don’t know where to start. I’m in the process of getting another Bank. I will tell one story out of so many. Last year I couldn’t get into my account App on iPhone. I called the number displayed in the error screen. I was told that my account had been hacked into and there was many attempts to withdraw money via email transfer. I was told several things to do with my phone because of potential hackers. My account did have one successful withdrawal of $150.00. That withdrawal took months to finally retrieve my money. I am a Microsoft System Engineer since 1995 and RBC is one of the most targeted bank in Canada. The problem is theirs and not mine. I have had my account since the 80’s. I have heard so many bad stories about RBC that I’m glad to say I will be rid of them this year.


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I have been a loyal Royal Bank customer for almost 50 years, but their actions this last week make me question their honesty and commitment to satisfactory customer service. My wife made a deposit of over 300,000 dollars of her inheritance to her savings. Understandably the bank put a 15 days hold for the cheque to clear. After 10 days RBC removed the deposit amount plus almost 5,000 more from the account. No one at either the phone centre or the branch can find out what happened, why or where it went. We physically went to our home branch, and no one there could answer or questions where this inheritance plus 5,000 went or was able rectify the issue. We have filed a complaint and the branch is investigating, but as soon as this issue is resolved to our satisfaction we will be taking our business elsewhere.


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I've RBC Small Business Account and the funny thing is they do NOT allow me to make online transaction (CRA) payment more than 2,000. Instead I need to subscribe for the CRA service which will cost 25$ and every month from that time onwards 2 dollars will be charged. It looks funny for me the way how they try to make money.


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I needed cash for a home improvement project (cash would save me $1500 on the project), yet had to wait for over twenty minutes because, the teller told me, she needed the manager’s approval to dispense this amount of cash ($9,000), and he was on the phone. Finally, she sent a teller to talk to the manager, and I followed him. Your very young junior manager (who only gave me his title, while proudly announcing he’d been in banking for three years) was not on the phone—he was chatting with another bank employee. I asked him to please approve my withdrawal. He was clearly upset at being caught chit-chatting, and proceeded to tell me that he had to protect me from fraud and asked why I needed the money. Obviously, this was just sexist nonsense, and was simply a ruse to cover his embarrassment at being caught dallying, while customers were waiting.


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We signed the agreement new advance date to be February 27th and the first payment on March 1st. They ignored all my emails till March 2nd and then instead to pay to a mortgage they sent money to my checking account so I have to pay interest on the money that wasn't withdrawn. Very poor performance.


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After being with this bank for 17 years, they write me a vague letter terminating all services I have with them, including my daughter’s and mother’s joint account. They wouldn’t explain why! I was told they didn’t have to provide reason. Filing a complaint did nothing. They just throw away 17 years of service without even providing a courtesy call! Goes to show that with these banks, unless you’re part of the 1%, you are easily dispensable at their choosing whenever they like! Has put a very sour taste in my mouth about investing with any Bank!!!


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Lee ** has been my advisor for quite sometime now and she has been an amazing person. She is very pleasant to deal with and she provides all the information you need to make an informed decision. She is very professional, highly ethical and trustworthy. She is very prompt on her appointments. I am so happy that Lee is my advisor. She deserves kudos and more financial rewards as an employee.


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I am in a Kafka-esque nightmare. A problem caused by their website that they won't take responsibility for. I have been on the phone for 4 hours... First to get a simple money transfer cleared after it was flagged (1.5 hours on hold for what could have been a simple text or email confirmation) and then dealing with a landslide of problems caused after their website caused duplicate transfers to go through (I was on the phone with an RBC person who instructed me to try again after everything was greyed out and frozen).


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I have tried to get updated insurance for a trip booked with Reward points, about 4 hours on the phone, 3 "booked callbacks", numerous disconnects. Still nothing.  This over a period of numerous days. This service is utter crap, I can only imagine if you actually need the insurance. Run very fast away. Wish they had negative review stars.


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December 29 2022, bank block my account due to fraudulent activity, I did not know that Discover that is blocked, in January, I went to the branch, they unblocked some, but the amount of $1430.00 put on hold. No clear answer why, after calling and going to the branch, I found out that the e-mail transfer of $1430.00 is fraudulent, so I contact the person who send the money and (who I know), and he went to CIBC (his bank) and they said that is not true, they never request any money from RBC, I did complain to Royal Bank, should get an answer, got nothing yet, but very unpleasant lady, from fraud department told me, they can hold the money for 200 days, I think is not right, nobody informing me what is happening. 


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I initiated my high interest savings account on-line and had to verify my identity at a branch. Luckily there is one where I live. Went to the branch Saturday afternoon. After showing the clerk my picture ID, she informed me that she had to make an appointment with an advisor to activate the account. Why would I need an advisor for this? I've opened savings accounts online with other banks without going into a branch office or speaking with an advisor. RBC needs to get with the times. I doubt whether I will proceed with activating the account.


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Had to call RBC Visa 730 on a Sat morning. Was transferred to fraud department. The person I dealt with was rude and entitled. Was unable to get the information I wanted. Tried to place a complaint with RBC and the process is very convoluted, certainly not customer friendly. For the service fees and interest customers pay you would think they could provide good or at least effective service. Service is bottom of the barrel.


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Called to book an appointment to open a new special saving account, person who attend my call was an idiot with very poor customer service skills. I'm client of this bank for more than 20 years and I've been treated badly as if I were mentally retarded. Definitively disappointed!!!


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Have easily booked many flights using my Avion points in the past. Not this time. Their website is so complicated now you can't even find the area in which to use your points. Had to phone them and you know how long that takes.


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I have been banking with RBC for the last 6 years and have plenty of money in the bank. I went to go use my own money tonight (I tried to purchase flights to go back home to Australia). The flights are $5500 and I have over 6k in my account so I tried using my visa debit only to be told that the daily limit for transactions is 2k. So basically the bank is telling me that if I ever have a transaction over 2000/day I am unable to access my money. I need to physically go into a bank during working hours and withdraw the money as cash and then take it whereever I need to use it. Doesn't that defeat the entire purpose of a bank? So we figured we could increase our daily limit which apparently 2k is the highest they allow. Even for a one time transaction. 


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Some of these reviews are hilarious because they are so relatable. I’ve spoken to two customer service representatives on 2 different occasions and it has to be the worst customer service. It’s hard to believe with a bank that has such a great reputation gives that kind of customer service.


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Only opened my account with RBC in June 2022. Previously was with TD Bank for over 15 years, wonderful customer service, never a complaint.. RBC provides pathetic Customer service, ill trained with no experience who keep you on hold for hours while trying to get info from supervisors as they chat online. Each time one calls a minimum of 1 hour to get 1 question answered, not joking, try it when you have an account with them. To get you to sign up as new Customer, excellent service but once in, an absolute nightmare. How anyone can rate them as one of the best banks in Canada surprises me. Probably goes to shows banking standards available here. :)


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Long wait times, absolutely insane. They probably have few staff and no option to call customers back. The bank is really good in some ways but, when it comes to wait time, it's so bad. RBC should have an option to call people back please. Thank you


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Absolutely pathetic Bank, run into some financial trouble the past 4 years being off on disability for the majority of it due to the illnesses. My credit card and credit line are what I had to rely on for the majority of the time as disability through my work pays next to nothing. Needless to say credit card and credit line have gotten out of hand, I've asked RBC repeatedly for help as I want to pay them down... They won't... Instead what they've done is raise the interest rate on my credit line almost 5% in the past 2 years... Once this company has you in debt they step on your throat to make sure you never get out of it. Like I said I've asked them for help and they refuse, leaving me really no choice but to file for bankruptcy. By the way I've been a customer of theirs for 37 years and it means nothing...


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This company is a joke, lack of staffs and full of excuses. Every time I call the 1-800 to speak to someone, it is an hour wait on the phone. If you value your time, take your money and go to other banks with less fees.


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I have never experienced a more inept business than RBC. From the day I started banking with them five years ago, it’s been nothing but problem after problem. Most recently, I was traveling in England and my bank card was stolen. In order for them to mail me a replacement debit card to England, they had to change my mailing address to the UK, which flagged my account for being outside of Canada (I was traveling for 3 months and there is nothing illegal about that). As soon as I got back to Canada in July, I phoned them to let them know I was back in Canada and they changed my address back.


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Jorge ** a "Small Business Account Manager" has finally made me after 23 years as a client with RBC decide I deserve better than what this bank and this man provides. His service is disgusting. His knowledge is subpar. He takes days to answer communications despite the urgency. He has only been my small business account manager for less than a year but has been so late on responses, taken 6 MONTHS to approve a loan only to tell me several days later he was mistaken and I wasn't approved. He is rude, belligerent, ignorant and should not be dealing with the public let alone be supporting small businesses. I am now taking all of my 4 businesses, personal accounts, house insurance, home insurance, all credit cards and loans to Scotia Bank. The abhorrent behavior I've experienced at the hands of this man is almost unimaginable. Good luck in the future Jorge.


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After 12 separate calls being on hold over 9.5 hours in total, I have never had an answer from Disputes department. TOTALLY IMPOSSIBLE TO SPEAK TO ANYONE IN FRAUD/DISPUTES. See 100's of complaints here saying same thing. Three times I have given all information then after that, they says you need to speak to another department, then the call gets disconnected or you get message says too many waiting, call again, or office now closed call back in business hours but does not say what those hours are, in fact IMPOSSIBLE TO SPEAK TO ANYONE IN FRAUD/DISPUTES. Someone at RBC has decided to cut staff in this department and know we have no other option but allow these scammers to get away with it. After 17 years with RBC - I am appalled that they are.


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Like another reviewer, I have been a loyal customer for over 30 years, but recently, I have been treated like a second class citizen. I was talked down to and patronized when I had a couple of banking issues that I needed clarifying. It didn't matter that I had been a loyal customer for this long, they couldn't care less. They serve themselves, not the customer. I think it's time to change banks.


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I have to warn anyone who hasn't done business with RBC before, to not waste your time with this institution, they literally do not care about you or your valuable time. There should be a way to expose them for the way they are treating customers. I had an issue with them raising the interest rates on my line of credit to the highest percentage above all the other banks that I have have credit with and I have been a client with them for almost 30 years. 


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There is more to this story than meets the eye. During my visit to the Royal Bank on October 11, 2022, I opened a business account. The assistant who helped me do this was very helpful and gladly assisted me. The first thing I did after getting home was being the account setup, which went smoothly. However, when I put in a client money check, the program threw me out and asked me to re-enter my password. This was done three times, and on the first attempt they said that my account had been blocked, and I should contact 1888, which I did. I was not able to unlock the account by the phone, I have to come at the bank the next day. After I explained the situation to the same consultant, he kindly agreed to assist me. After 10 minutes, she told me they were fine, and I could use my account. When I tried to enter the pin code on the first attempt, I was informed that the account had been blocked, call 1888...


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My RBC credit card blocked and don't know any reason. It has been a month visited branches, no update. Stayed on phone more than 48 hrs unable to contact at least 1 customer service person who can help me with unblocking credit card. Never ever do banking with RBC. Worst service provider.


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I was on hold for more than 4 hours then I hung up. I needed to talk to someone about disputing the transaction on my credit card. I have tried to do it myself online before, and it went back and forth, providing more info and wasting many days, so I thought to call in and provide all the details at once and get the ball rolling. It's frustrating and disappointing service that RBC provides to their loyal customers.


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Absolutely Disappointed in RBC. I have been a client of RBC since I was 9 years old (over 15 years) and I have had issues left and right. Cherry on top was applying for a loan. I called August 18 asking to submit an application for a small personal loan for car repairs. Advisor mentioned he had holidays coming up so he would pass the application to his co-worker. Great. I submitted the paperwork 2 days later.


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If I could leave 0 stars, I would. I met with an advisor to apply for a student line of credit. Over 2 weeks he finally informed me of everything me and my co-signer needed, so we emailed it in. He "worked on" my application for a week and I had to email for an update. Declined, said if we added another co-signer it may work. Did that, another week gone by, email for update again. Declined, was told if we even asked to borrow less it wouldn't effect anything and he couldn't help me further. So I tried again with a different co-signer. 2 more weeks go by, finally get an email from him. Declined again, said he was unable to help me further and provided no other options or tips. Went to another bank and was approved off the hop and everything was explained well. During a stressful enough time, RBC made me sick to my stomach with stress. Changing banks for good.


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Never had a problem before. Had credit card stolen and thief spent money on the card. within 3 hours after the theft I discovered it and tried to report it through online banking, but web reporting function did not work and said I had to phone. (I was able to lock the card on online banking) phoned and waited on hold over an hour and was unable to wait any longer. Over the next few days I tried multiple times again to report the stolen card on online banking and over the phone. Online banking never worked. Phone hold times continued to be over an hour and I either ran out of time and couldn't wait longer or twice the call was dropped. Waited over two hours today and then the call was dropped. 


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Have a savings and a chequing account with them, but the chequing account is restricted so I basically can't use the card. Tried to fix the issue with them but "they couldn't do anything". Absolutely ridiculous.


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I have been with RBC for 4+years now. My IDs were stolen and ever since then I have had trouble with etransfers/ money transfers. I understand their protocols for id thefts but multiple times for every RBC app login I do is frustrating… even after confirming my ID. No credit limit increase for the past 4+ years offered depict showing proofs of my permanent residency. So these guys missed to save my PR proofs and didn’t renew my debit card. It was a hassle to take all my documents over again for the above mentioned. Later they send out 2 debit cards and neither worked. Now I have temporarily relocated to the states, while speaking to one of the associates I was promised a new credit card (old one expires) to my present address. I call them today and they want my PR proofs again!!! This is ridiculous.


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I have recommended at least 5-10 people among my friends and family to do banking with RBC, however after today's experience and the recent issues with the app glitches, late updates in CC, and all the inconveniences faced by me and several other people, I am thinking otherwise. I have been banking with RBC for the last 4 years. I have already decided and am in the process of transferring all my funds to my other banking institution.


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My Visa was compromised and I spent 2 days trying to get a hold of someone in this department. Wait time was over an hour. I gave up after being on hold for 90 minutes. I tried again later in the day, same scenario. The next day I thought to try early in the morning, called at 7:30 AM and disconnected after another 90 minutes. There is no "call you back" option so you are wasting your time trying to call them. I went to the nearest branch and unfortunately no one there can do anything besides try to call for me, and it was the exact same thing. Seeing all the reviews from so many others online having the same issue. Even RBC workers admitted that they have a very poor customer service dept. I'll be researching other financial institutions and see who has better ratings for customer service.


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I realized my RB credit card had expired and I hadn't received a new one, when I went to book a flight. I was told to call the fraud department of Royal Bank to let them know I hadn't received my replacement card. I tried calling them for three days in a row and was placed on hold from an hour and a half to 4 hours and 40 minutes the last day, before I finally gave up. There was no option for them to call me back and I even went into the local RB branch and they too said they couldn't do anything?! The flights I had on hold have since been let go (If I use a different card I don't get my flight points through the airline) and I still have not gotten to speak with anyone. 


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No!! It is the worse bank ever!! They don’t have the minimum of customers service - every time I have to call them for the same subject and on monthly basis to stop deduct of my accounts and they apologize for the mistake- they are thieves simply!!! I don’t trust them!!! Go to any other bank in Canada or US but do not come to this stupid bank.


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This is the worst bank in the world. They want to keep your money with them for their profit. Never allows you to spend your money. They will tell Canadians should not spend more than certain amount daily.


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45 minutes in line for a bank teller to deposit a cheque that gets a 5-day hold. And, charge to visit the teller on top of that!! The fees for business are terrible for small business, RBC needs an another option for businesses. Or rather STOP BEING SO DAMN GREEDY!! Milking small business with little charges every day.


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RBC has quickly proved to be the absolute worst financial institution to bank with in North America if not worldwide completely. I’d rate them 0 stars if I could. I've gone to Holland for a week and I have no way to contact the bank to get help. Neither of my cards (my client card or my MasterCard) have been working since I left home. I can not call them because I’m overseas. Their live chat function doesn’t work at all and they have no email listed, so I essentially have no way to get help from them and am therefore SOL. 


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Recently opened an account with RBC, wow. The bank is next level horrible. I’ve been on hold for 1h14m to dispute suspicious transactions. Cannot even do it online as they are unrecognised charges. Also, the customer service rep who “helped” with my line of credit application also doesn’t respond to emails and there’s no way of calling her. And if I miss a call from her, she flips out. Banks in Canada are overall pretty average. But RBC. Wow. You top them all.


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Spruce Grove bank manager. I get a phone call from RBC Fraud department regarding fraudulent activity on my online banking which I actually thought was a good thing. During the phone call, my online banking was put on limited access. I requested to have any payments stopped for i had not authorized any direct withdrawals. I was reassured that any withdrawals, if any, would be stopped and all I need to do is enter a branch and they will remove the restrictions on my account. At this time I was travelling from the airport in Yellowknife, to go gold mining up in the bush. I was feeling safe that I should have no issues. When I finally got to fly home, I was upset to see over 900$ in NSF fees. 


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I ordered an iPhone 13 Pro thru RBC on April 22, 2022 and supposedly a gift for Mother’s Day. I ordered this item thru RBC rewards site that partially pay with my reward points and most was paid by my master card which $1000.84 paid they my card and $580 is the redeem from RBC point. The moment when I placed the order, it indicates that I will receive my product in 5 to 7 business days. I called on the 9th days to check the status since I have not receive my order. RBC rewards rep told me it suppose to be 10th business days. Then I waited until the 11th days and make another call. They told me no status nor shipping information about my order. They suggested me to call back on the 15th business days to file an escalation.


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Well. Glad I looked up reviews to see this is the RBC M.O. Been on hold an hour. Not talked to anyone, just listening to their ads for Monerius and music. Wanted to open a Business Account after the online application was missing a piece of info and couldn't sign. Probably for the best didn't go through. Called back another number to book an in-person appointment at my local branch instead, as figured I'd need to bring in some documentation. On hold another eternity. I'm pretty patient, but never did get to speak with anyone. Guess I will take my business elsewhere. Worst lack of service I have experienced in a very long time.


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RBC credit card is hands down with worst CC company to deal with. Can't get them on the phone. Their secure email communications are slow and deliberately drawn out to the end of "their" issued deadlines to order to force a "case close" situation. Not recommended.


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Greedy bank with focus on profit and disregards for clients. Incompetent employees, probably unqualified, minimum paid hires and no training provided. You cannot talk to any customer service representative without being on hold for hours, unless you are buying their products. Under the excuse of Covid-19 nobody is working there. They have cut number of employees before pandemic started, big bosses bonuses cannot be impacted no matter what. After hours and hours of being on hold you are going to be passed from one department to another and each of them will have a different answer to same question. I had an agent hanging up when trying to transfer my call. I will move the money from there to TD or Scotia. Probably they are not much better, but I will anyway.


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The most horrible service I have ever experienced. Called for 2 days straight to report a dispute on my Visa. Been on hold, or hung up on by their virtual voice mail for the simple reason I did not ask the right question which was "want to know my account balance". When I asked "dispute on my credit card" they say "sorry" and hang up. As of this morning I have been on hold for 56 minutes; thanks RBC, hopefully someone is enjoying a shopping trip because of your crap service. If you ask me if you should deal here, I would say Do NOT.


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I can't freely comment on some of the things that have been happening for privacy reasons, but I can say that both the online interface and security at RBC are deplorable. Staff has not been helpful in resolving either of these issues. RBC's online banking interface and functionality are some of the most primitive I have seen in a long time, making it awkward, difficult, or impossible to do some pretty simple things - actions that should be doable on any 21st century banking platform.. 


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Worst of all worst service. Holding your account own money without explaining. Direct you from one branch to another saying it's not their issue it's the other branch issue. 3days investigation after 3 days they will tell you 5days! You deposit a cheque the first time they will hold but same cheque again and again still they hold it. The manager in Keele and Wilson RBC branch and teller doesn't know what they doing. Unprofessional!!!


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I came as a newcomer to Canada and opened an account with RBC. I had an online appointment with RBC representative to open an account. First, the representatives don't quite well understand how the bank offers work. The representative opened me a VIP bank account and said it is free for newcomers. At the end I visited a branch and they informed me that VIP is not free for newcomers. Only advantage bank accounts are free for newcomers. Eventually, they switched me to Advantage type account. Second, I got a debit card and deposited all the money I had into that account. Later on I found out that RBC debit cards can't be used for online purchases. They don't have CVV codes. This is just unbelievable. Today when everything is going online due to pandemic, they are issuing newcomers cards, which can't be used for online purchases.


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Worst customer service in the history of customer service - and I'm in customer service. Hours upon hours sometimes over a period of days to get someone. Requests for a manager to call go unheeded. Rude and obnoxious visa agents actually cost me money! Last straw was today - 5.5 hours on the phone last night and today to try and rent a car was unsuccessful. A 22,000 limit is gone because I will cancel my card to never have this heartache again. Please go to Coast Capital - they actually pick up the phone.


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It is impossible to reach them. I have a car loan with them and it's the worst experience when it comes to needing help with problems. I can't do what I need to do online, and I also don't have the card numbers or transit numbers to open an online account. Without a credit or debit card, it's quasi impossible to reach them by phone. Their virtual assistant requires me to have a card number to proceed and they end up hanging up on me. I tried calling their principal phone number to try and open an account with them even then they were asking me to provide a card number it blew my mind. It's only after like 5 times of saying randomly (open account) that they redirected my call to a human. it's been two hours that I am trying to reach them.


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RBC do not respect client, I have to went to 2 different branch, book 2 different appointments in order for them to find out someone tried to hack my account, they blame on Apple that my phone got virus, I went to Apple to check and reset my phone, there was nothing wrong. They never admit that the security system is so bad. They were very rude to me and when I tried to call to find out what happened they made me wait for at least an hour, plus they were hung up on me, not answer my question, the girl even told me to go to Best Buy to check and reset my phone, seriously??? I tried to call Desjardins on Sunday, it's only take 5 mins for customer service to pick up. Rbc Rude from the phone to the cashiers, I think you guys don’t deserve to be the best bank in Canada.


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This bank is one of the banks with the most greed. Unwilling to help people during Pandemic unless you meet requirements. This is a government bank that will drain you. They will go to all means to ruin you.


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Not good bank. I have checking and saving accounts, mortgage and credit lines. Several times I applied for overdraft increase in my checking account but got I refused. If I have 50.000 credit line in the same bank RBC, how it can me refused. When I have time I transfer from credit to debit to avoid overdraft charges. If I miss and forgot RBC definitely will take advantage and will charge me overdraft. There is no option to make automatic payment to that account from other internal account. If there is option bank should explain to client but not hide that information from client and later charge.. as compare with other banks. My strategy stay away in future as possible. I do now want to have a feeling that I am being robbed. Bank should appreciate its client and give him flexibility instead of restricting client's activity and charge every step.


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When I call RBC every time my call waiting time more than 30 minutes because the call-center people they’re not doing good job down there. Doesn’t care customer. It’s nothing with a RBC. It’s call centre manager not doing don’t think about the customer. Anyone boring home? Call RBC your waiting time longer than 30 minutes.


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I have been with RBC for over 20 years. I have a mortgage, LC's, CC, savings, checking accounts and investments. My recent experience with RBC has been horrific to say the least, definitely unethical. I'm taking my business elsewhere.


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Trash call centre, never picks up, 2+ wait time in general queue, then gets transferred to specific department waiting another 45 min. And a dumbass in fraud department can't even tell from a debit or credit amount, confused by transaction code, and posting/transaction dates.. At the end they placed me on forever hold. Not once, not twice.. I called back 8 times over 7 hrs span, everyone in Fraud department ended up placing me on forever hold. (2 hrs something per hold and I ended up dropping the line.) When I call back and asked to speak to a manager, the guys refused he doesn't understand my case to transfers, forcing me to waste my time again to repeat for the 8th time. He refused and eventually hanged up on me. My fraud transaction was never looked into. Wasted my entire weekend trying to get ahold of someone. Trash bank...


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We went with RBC for our mortgage because I always had the impression growing up that they were the "premium" bank had the best reputation in terms of customer service. We're so, so disappointed. We got a good rate but that's about it. The mortgage process has been a string of unanswered emails, rude one-liners, unclear terms, hidden fees that get charged without notice, and representatives who clearly take no pride in their job and do not care about the client.


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Have a concern regarding Visa card. The first person I spoke to on the telephone unable to help me. Pleasant but unable to help. Wanted to speak to her supervisor. She is not allowed to put me through to her supervisor. I must wait two or three days for a return call. Except this is Christmas. I shall be interested to learn when I receive this return call. Everything still up in the air. No resolution and I have to wait two or three days. As that will bring us to Christmas Eve and Christmas Day and then the rest of the weekend I doubt this return call will come before at least a week. I have been a customer of RBC since early 1970's and feel very shocked at this very poor level of customer service. Customers definitely deserve better.


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It's by far the worst bank I've ever dealt with! The employee are rude and unhelpful. Their security system is very weak (never trust them on your money as it maybe hacked and stolen in a blink of an eye). Once they blacklist you, the best thing to do is find another bank as you will remain in blacklist until the last day of your life even if you deposit millions of dollars on your account.


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I've been with RBC since I was a kid. They have treated me well up until recently. I have a car loan with them and all they have been doing is harassing me lately. They claim I have late payments when I have made all of them paid and up to date. Over the past month I've been getting calls for payments they made up saying they haven't been made, effectively tanking my credit. And their response was well look into it. They don't care about the customers anymore. They just care about how much money they can screw you out of.


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I've been with RBC since I was a teen. It used to be great, now it's absolute garbage! I've had to call them on multiple occasions because I kept getting locked out of my own personal banking account, which I found weird because I've never forgotten any of my passwords. After I had received a new credit card, I activated it using my online banking and every time I've tried to use it, it won't work and RBC has put a hold on it...


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Long story short took over a month to close out a loan and send me a confirmation of loan closure that I paid at my branch in cash. The inefficiency and dragging of their feet is embarrassing. Will be doing my best to not do business with them in the future.


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This is the worst ever experience that I dealt with. Even if I was verified during the opening of the account I was still told to go to the bank and was said that only 1 government issued id would be needed. But when I reached the branch I was told to give two id’s then after that I was told to submit a T4 or a notice of assessment due to which it created hassle and I was like going back and forth. When I didn’t found the latest notice of assessment still I took the printed T4 with in order to verify and I was again told that this would not work. They would need the latest notice of assessment which I would never have found. After all this hassle I closed this account and would not recommend anyone to open account in RBC as they would probably also have the worst experienced that I had.


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I have been trying to leave this bank for 3 months because they refused to renew my credit card, despite the fact that my permit was valid till the end of August and I had a letter from IRCC stating I was in the clear till September. I also received my permit well before the expiration of my old one. I physically went down to the bank to close my account and was told everything was done. That my credit card was closed, my accounts were closed and I was fine.


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Do put your money in this bank. I have been with my personal account frozen for more than two weeks and nobody tell me why and when it is going to be solve. The Manager does not know why and the fraud department does not give you any answer. I am living a nightmare and tomorrow you can be the next one. DO NOT TRUST YOUR MONEY TO RBC.


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I am shocked at the quality of service and the customer care we have been receiving from this bank. They have messed up so many things, are not even on the same page within their own dept and have caused us such stress since we’ve started working with them. These issues have not yet been fixed. Such a huge mistake to even considering them in the first place. If you want your experience to be pleasant and smooth, stay away from this bank.


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I hate RBC. RBC’s attitude is to give money to people who don’t need it, but to screw every last dime from people who need some help. They recently raised the interest rate on my line of credit, even though my credit score has improved considerably – probably because I have been paying it off. I think their idea is to keep people permanently indebted to increase their income. When I enquired with customer service, their only explanation was that I was 'underpriced'.


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I’ve dealt with RBC for over 30 years. I cannot believe the poor service you receive and how many times your banking can be messed up. My issues date back 30 years; mortgages have not been listed with the interest-rates agreed-upon, credit lines with different interest rates than agreed-upon (but RBC gave a $500 cash back which did not cover what we over paid). Visa cards that employees know nothing about and cannot help you or give you misinformation. The manager at the branch I was dealing with did not listen to my address so in the end three different visa cards were mailed out. I’m not even sure where some of them ended up. 


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We moved and the RBC Visa came a bit over limit. The statement is from September 08 with a $ 29 overlimit fee. So far No problem. I paid the very next day on September 09 in full like always and got a $ 29 over limit fee again. I called RBC Visa to ask why and did explain everything and the agent put me on hold for 10 minutes, then the connection broke. I called again and this Agent told me the first $ 29 fee is for my overlimit until September 08 and the second $ 29 is because my period is until September 08 and as I paid the very next day on September 09 there was still a overlimit. Last but not least - I got my statement, paid directly in full and got a penalty fee with an extra $ 29. RBC Visa IS NOT CUSTOMER FRIENDLY!!! NOT RECOMMENDED!!!


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After being a very loyal and dedicated customer at RBC for over 50 years, I am appalled and disgusted with their poor customer service. Due to the negligence and poor communication by an employee I lost 5000 dollars. Prior to doing an overseas money wire, I was informed by the teller that if there was a problem, RBC would protect and guarantee the funds the same way a Visa card does. Trusting and believing the teller, I did the money wire instead of using my Visa card. Unfortunately the vendor I sent the money to was a fraud and never sent me the merchandise. I lost 5000 dollars. Although I was misinformed by an RBC employee, RBC would not admit an error or assume responsibility. Rather they lied and covered it up to protect themselves and their employees.


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I'm a victim of fraud. One day, I got a call from Service Canada, telling that my SIN was used for some criminal activities. So these scammers want to move all my money into a safeguard account... I lost 3000$. The RBC couldn't help me. I didn't get any reimbursement. RBC CAN'T HELP VICTIMS OF FRAUD.


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What it’s like to be bullied by a bank. I am writing this to inform all potential and existing RBC mortgage clients. Unfortunately, RBC does not make it easy to switch mortgage lenders. I decided to shop around when renewing my mortgage this year and decided to take my business to a mortgage broker, who found us a great rate with Scotiabank. After submitting a payout request on August 9th, RBC of course never responded to this request. I called to find out why, and they said that they never received it when in fact there was the fax confirming it went through. Moving forward, RBC now provided us with an email to send the request to; which was done on August 23rd. RBC continued to NOT send out the payout request. At this time, my mortgage was put into an open mortgage by them at an interest rate of 7.5%. We had to make 3 payments of this interest rate before we could no longer keep up with the payments.


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As a relatively new small business we chose RBC Express to extend administration of account reconciliation and account payments to our accounting resources. From the beginning our onboarding of RBC Express was complicated, slow, and remains 3 years lately in various stages of completion. The service itself is highly secure since every function of administration is locked behind RSA token requirements, or secondary approvers. Even the ability to modify one's own mobile number is prohibited, and must be done by "anyone other than yourself".


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My husband had his wallet stolen Aug 17, 2021 while on holidays in Vancouver. We contacted the bank, we had dealt with for over 40 years, to get some form of relief, it was 1 comedy of errors after another, this bank had everything, but a small side of accts and visa I had opened at Royal about 2 years ago, finally with getting nowhere and sitting in a hotel room waiting for our relief pkg that was never sent to us in Vancouver, but to our home branch by error, we gave up. I called Royal Bank Aug 19th, 2021, spoke with Kelly, she was supportive, calming and yet confident, we had funds within 10 minutes. Unbelievable and amazing service. You must have this kind of backing when travelling especially during Covid, & the “cashless“ society we have become. Royal Bank you are 5 Star across the board!!!


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I wanted to deposit a $US cheque in my cross border account. I scanned it in and it failed. I called the number listed and my problems STARTED there. Not only did they NOT fix it, they caused 2 new problems. In addition they didn't do the callback they said they would and lied in messages they wrote back to me. Most of the time I have been ignored. Weeks later, despite more calls and e-mails I have done for this, the problems THEY created have NOT been fixed.


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I have been a "customer" with RBC for many years. I pay everything on time and use and have used a number of different RBC services. Due to my situation, I am unable to currently visit a branch to restart my PIN as I am out of the country. I used to be able to do this over the phone previously, but was told that this has changed. I was told that there is nothing that RBC can do for me. Perhaps this is the case, but it is bizarre that people are left in these types of situations. What if I did not have a husband who had access to his card? I have now requested to speak to a manager over 5 times. I am told that someone will call when I call them and no one has called me back. It has been over 3 months. When possible, I will be moving all of my accounts out of RBC and wish I had done it sooner as this is not the first time that I have been sorely disappointed. Better to find a place that treats its customers seriously.


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When I call customer service, there has never been a time in the last 10 years I don't get a 'higher than normal call volume." It's an insult to clients. Why don't they just say "We love our obscene profits so we won't spend a cent to employ any but the minimum number of humans to take your call. But we will waste as much of your time as possible by making you wait and feeding you a ton of information you don't want or need. You put up with it because you have no choice. We do it because we can."


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I called RBC visa as I found an old card that was not activated. I wanted to know if the card that I am using is the replacement of this old card. This is the second day I called as I could not get someone to answer my call yesterday (3 calls in 2 days). First of all, the phone line was very busy & I waited for about 10 minutes before someone answered my call.


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On April 4, we started the process of porting (transferring) our existing mortgage from the present house to the new property. We were told it would take 5 days. This was the first of many promises not kept. This also not the first time RBC didn’t keep their word. The last mortgage was finalized too late and cost us despite being informed over and over of the time constraints. We are now a month later with no end in sight and 13 days away from the closing. Once again, they have been informed and just don’t care. Do not go with RBC under any circumstances. You’re nothing to them and they don’t care how they screw your life.


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I opened an Rbc account a couple months ago as I have a car loan with them. I decided as my car loan and the support was excellent I would change to this bank.... BIGGEST mistake ever, they require you have loan payment money 2 days prior to the loan, had spent some money out of my acct at 6pm, re-deposited by 7pm, car payment bounced due to me not having the funds solid in my acct for 2 days prior to loan payment. I then had to fight to get the $45 nsf returned and was told it was my fault. Now this month April 2021, they have taken 3 car payments.... Should be 2 and of course the 3rd one bounced, so now I'm fighting with them again, get this cleared up and I'm switching banks to one that doesn't require me to keep a certain amount in my acct days before a payment.... Worst bank ever.


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As an international student, RBC is not the right bank for you. My credit card expired two months before my visa expiry date and RBC denied renewing my credit card. That means you have to live without credit card for a few months prior and during your Visa extension process which is just impossible. As a UoA international student advisor, I am gonna make sure every international student knows that.


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I purchased a car in 2010 and got a car loan from RBC through the car dealership. RBC used to get their loan payments through a preauthorization from my BMO bank account. In 2016 I paid off the car loan in full and received a letter from RBC confirming the same. However, RBC continued debiting my BMO account for $10.49, which I never noticed until mid. 2020.


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Went to my local branch to find that it was permanently closed. Luckily a passerby told me it had moved across the street. It was 4:30 and I am rushing to get a form filled in that had to be done by them in person before they close at 5pm. I don't have a printer but as I have been a client there for over 43 years, I made the assumption that they would print out a 1 page form for me there. I get there and am the ONLY customer in the bank surrounded by 5 employees standing around doing NOTHING. The teller tells me she won't print the form for me that I have the .pdf for ready to go. She says they won't print anything for anyone ever whether or not they are a client of the bank.


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I have been an RBC customer for over 15 yrs and incidentally I never had to call their customer service till this year for anything major or critical. Now that a critical situation came up and have been dealing with their customer service for both banking and direct investing for 3 months now including their local banking advisor at the branch. Simply put, the service they offered is the despicable and frustrating and disgusting.


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Worst bank we have RBC. All type of accounts with them and in process to take our business somewhere else. After Covid it's impossible to get someone touch over the phone with them and worst one is RBC direct investing. They are playing with clients by using covid accuse for long time now. All you need call on number and will figure it out after couple of hours when continue to hear recording.


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March 8, 2021 - This is the FOURTH consecutive day I am completely unable to access RBC's online banking due to their stated "technical issues". This is the worst of what have been a series of highly unprofessional and extremely inconvenient issues. After several decades as a client, it's time to close this account and leave this ** bank forever.


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I have opened an account with RBC. After few days my account got locked, so I went to the branch they told me to bring a second piece of ID with something mailed to my address. So I went back after two weeks. Then they told me who told you something mailed we need something like passport as second id. At that moment I closed my account with them.


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So recently I saw a ad for iPad for new customers and I was a fish who got caught in a trap by scammers. Shame on this company. Even though I'm still saving 200 bucks for ipad after a year of service charge I thought okay went ahead signed up but when I signed up it was a Sunday and the last day of the promo and they sent me email welcome to RBC and said I need to go to branch, show my id, so I booked a appointment, went in, showed my id, got everything set up and made 2 payments and set preauthorized payments which is the condition for approval of ipad...Switching from TD it was hassle to call switch all thinking I will get a ipad then days later I called in to ask how come I never received any email. They said, "Oh you didn't sign up the day of promo."


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In the last 3 months RBC bank has overcharged me a total of $562.50 in banking fees. Yet my monthly account fee is only supposed to be$10.95 per month. I'm a disabled person on ODSP. Due to Covid 19 and being busy worrying about the health and safety of my elderly parents, and looking for a job. I didn't notice some of the charges til today when I had a chance to look at the account. 


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As an immigrant who had the chance to enjoy banking services abroad, I can certainly tell that this bank is still using services and methods from 19th century, or it is more kind of hybrid with some from 19th, some from 20th. Unless you spend and lose money there are very few options that you can do at online banking. Online user interface is very poor you need to spend a lot of time to find what you are looking for. System is built to make a lot of money from its customers without giving any good services. You can easily open account in online banking however you can not close them, if you go to a bank branch to close they can not manage to close it. Transactions or orders are not instantly done, you have to wait a few days to see it in your account. 


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Where I work, my employer pays in cheques, so I find using the app to deposit convenient. Then one day they put a hold on my pay cheque. I thought it was because of COVID, so I started going to the tellers. After a couple months of taking it in person, they inform me that they are putting a hold on my check even though I was in the branch. I threw a fit. 20 years as a customer and 3 years at the same job. The manager came and upped all my limits, so I could use the app again with no issues. 7 months and everything is great. Until yesterday. Deposited my pay using the app and they hold it. I go after work and they tell me that there is no record of the limits being increased. They’ve done the increases again, but it will be 5 business days before I can access my funds. I feel like I’m being targeted. I have printed proof of the increases from June. How do they just disappear??


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I try to keep my credit account clear, so I paid full balance and it was 0. By mistake my Visa payment was made twice, so I had overpayment of over $600.00. I decided to pay my another credit card with that. It was my money, BUT they charged me $3.45 as CASH ADVANCE. I paid it any way, because when I was cheated by a Vevo hearing, I wrote to the bank (about 10-12 times) I received the same message "to answer their questions", and I did. But after 3 months, still never received any results so I gave up. So I am not going through the same thing for $3.45. Thank you for having this site to let us get rid of our frustration.


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RBC Brantford 95 Lynden Rd - management poorly equipped to support crisis situations of upset customers. They have a 3.5 google review rating... Management engaged in controlling behavior, intemperate browbeating, lecturing, berating, patronizing, antagonistic. Did not make social distance when asked. Poorly and unprofessionally dressed. Refused to provide a full name when asked. Did not admit to any of this to her superior (Community Manager). Brantford Community manager has very poor communication skills, ill-informed and fails to collect all information before making a judgment, then looks to place blame on customers while defending staff - hard for her to hear the truth or accept any wrongdoing or see issues within her staff. She is self-righteous and highly condescending escalating issues and antagonizing emotions...at the root to what seems to be becoming a systemic issue in the area.


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We've been a client of RBC for eight years and it's been nothing but an uphill struggle. We're posted to do $2m this year and I can't even speak to someone on the phone. Do you call that leadership or even customer service?


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I am facing capacity to pay issues. I have not missed a payment in 7 years with RBC, but covid has impacted my finances very hard. I called customer service just to ask for a refinance of my debt. You would think with historically low interest rates or even the fact that they would want me to be able to keep paying my loan they would help me. Instead they offered to increase my interest rates if we refinanced. They did not offer any other solutions. And when questioned, they said it is to manage risks. After a 30 minutes of looking online, I secure a new loan with another company with a 1% decrease in my interest rates. I am now going to close all my accounts with RBC due a lack in customer service. This is not the first time they do this to me. They dangle the carrot to get you as a new customer but when you are signed up with them, good luck for any help.


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Why does the Royal Bank go out of their way to make sure customers cant speak to anyone at the bank. Telephone waits are horrendous and designed to make the caller give up. Hire more people. You cannot send them an email.. Hire more people. You cannot talk to anyone at your local branch unless you drive across town.. And then you have to make an appointment which could be a week away. I am going to change banks.. Seems the only customers who matter to the Royal are millionaires and billionaires. But they get to talk to someone at the bank right away. My wife has left the Royal and is impressed with her new bank.. The credit union.. who encourage you to call and the investment person even gave her a card with her # and extension. Wow. I'm going to bank there. I have been with the royal since the early 70's.


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Con: 19.99% interest. Pro: points I can actually use for stuff like gift cards And don't have to wait years to build enough to claim.


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I got a car loan with RBC back in 2019. I do stand up comedy and live entertainment. Well with Covid-19 shutting down the world my job kinda has been canceled out. I called rbc to see if I could lower my payments so that I would be able to keep my car. They went on to explain, "Well you are in such a new loan. We won't do anything to lower the payment but we can lower the interest rate from 9% to 8.5%."


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I was told if I opened an account with RBC that I could open overdraft at ANY time I felt like. I was on CERB when I opened the account. Didn't matter. Flash forward 4 months later, I apply for overdraft and am told, "Sorry but you're on CERB you don't qualify. But we're still charging you fees even though the cheque hasn't come in." They lied to me to get me to open my account, put me on a ridiculous monthly fee program. Then the services they PROMISED, they have no gone back on, and when confronted with the facts. I said this, "You said when I need overdraft, call you guys and you'll help me out." So the lady only focuses on the first part of what I said/ "give us a call" but refused to acknowledge the second part of "we'll help you out". When I confronted her about that she actually chuckled and doubled down on bank policy. The same bank whose policy is to put a 7 days business hold on CERB cheques, because they aren't "verified".


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I have phoned this leaching BILLION dollar company several times and each time their customer service is nothing. They blame Coronavirus for not answering the phone. I called and was given a 4-6 minute wait time, I finally hung up after 45 minutes.


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I never miss a payment in full on my credit card, so I find it offensive to pay 19.99% for 2 months to the credit card company for a payment in full 10 days late. This is the first time this has ever happened. After realizing the missed due date I called RBC customer service to see if it could be mitigated. When speaking to the agent she was evasive on my request of trying to get some forgiveness on the 19.99% interest. When asking for her name she hung up on me.


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After waiting hours on hold the call dropped! No one called me back so I had to contact again but by email this time. Issue is still not resolved. The "business" that charged my Visa is not legitimate and was only authorized to do a one time payment. But they charged a recurring fee instead. A dispute is in order and I wrote them up on **.


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We had one day to transfer my daughter's funds for school via e-transfer. We visited the branch and did our due diligence. Something went wrong and the school did not receive the funds. We called asap and RBC customer care said it went through - it did not and yes the address was correct and yes the money was there. With my daughter's seat on the line, "customer service" hung up on us three times without ever speaking with a real person. They have messed with not just our money but our lives. Does anyone at RBC understand the connection to people. We have no voice and they leave us with no service. And so what... I write a little complaint on some forum somewhere...powerless... So in summary I know this review will go nowhere... You got me rbc, bravo.


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If you are talking about my bank... the Royal Bank... I have been a customer for 30 years.. They are amazing! They have always been very friendly and helpful.. This is why I stay with them and would not change banks.


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Terrible customer service. Primitive IT services. Cannot do online purchases with bank card which is stupid. Transactions limited to $1000 for 1st 3 months so cannot pay rent. If I'd known this, I would have gone with TD bank or something. Online banking is not very user friendly. They say that there is an app but when you go to download it from app store, it doesn't work. ** bank and I would not recommend it. Stay away.


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I switch banks so therefore started using RBC rewards card. I have not accumulated sufficient points to really see an advantage to other cards. Since it's a no-fee card, I assume they make it more difficult to render points. There is a good variety of choices, just personally nothing for me as yet.


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I went into the branch in Terrace B.C. Canada on Approximately Dec. 22 2019. I wanted to cash a cheque that my company wrote for me, because auto-deposit was delayed. I didn't have ID with me. Rarely, but it has happened before. With other tellers, their response was, "not a problem Donny". But on this day, (a busy banking day), The teller who I'm 99% certain her name is Teresa", told me in a derogatory tone that "No! We can't cash a cheque without ID!!!" I started to explain to her that I had cashed cheques here before without ID, and began pointed out at least one teller with whom I've done so. She raised her voice to tell me to lower my voice and that she didn't like my attitude!?!! I couldn't believe it. I am not an aggressive person. I'm calm and obliging. I was however, desperate to have my cheque cashed before Christmas. ??‍♂️


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This bank is the worst bank I have ever tried working with. Tried opening an account with them for my business and it has been nothing but a nightmare! I opened an account online that required me to make an appointment to come in and finish the process. There was absolutely no appointments! This plus the rude service from the start made me to go another bank which has been a way better experience. 


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Used to cash in fraudulent Cerb payments. Phishing, scam, spam phone calls. Bad conditions applied on shared accounts in Quebec. Customer service not available over the phone. (Stuck on waiting line, after receiving an representative they hang up on you.)


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The life insurance agent at RBC Fares ** offered me on several occasions to enroll in the life insurance with RBC as we used to play tennis together, each time I declined and asked him not to talk to me anymore about enrolling to life insurance as I am interested. To my surprise I received an email & package by post thanking me for enrolling to life insurance with RBC. I complained to RBC for being enrolled in something I didn't agree too nor signed or gave my consent for it. It appeared that the agent Fares ** had my personal information that he misused & he put his wife Credit card on the account hoping that once I am in front of the reality of being enrolled I will accept it & provide my banking information from then.


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A few years back I had all my investments with RBC. Over a 7 year period of time I did not hear from them regarding these investments. While talking to others about their investments I was surprised to hear that they hear from their advisor as many as 2 times a year. So I decided to go into the bank to find out who is looking after my investments and why I had not heard from them and generally why my investments really had shown little to no growth.


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During this Covid-19 pandemic, RBC is not doing enough to help its customers. With many businesses (grocery stores, pharmacies, etc) requesting for payment via debit or credit cards, RBC still levies the charge if the transactions exceed the limit. My account only allows a limited no. of payments via debit card so if I have to shop several times a month (which includes shopping for my clients as well) this limit is easily exceeded yet I am penalised for using contactless payment. RBC has NO sense of compassion as many are having difficulty making ends meet, yet they try to squeeze every last cent from its customers who use contactless payments. It appears that making a profit during this pandemic is a priority for them.


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Loan Protector Insurance declined coverage. Took out insurance coverage on line of credit. Took Ill and ended disabled. Insurer told me that since I had completed the medical care I should go back to work and stopped coverage. Was bad enough they had made several requests for updates on my status as permanently disabled. Basically for what they charge should just have taken out a simple insurance policy of term. Issue High Blood pressure. Rupture ended with plate in head and shunt under brain. Basically like a stroke for treatment. So now I have gotten past the stage where I was basically out. This took place over Dec 2012 Through July 2017.


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On April 30th, there was a removal (Deposit Correction") of $2,000 from my 90 year old mother's savings account. I have called RBC numerous times, sent them numerous emails and waited on the line for at least 30 minutes to talk to someone from Client Care. I keep telling everyone I talk to/email at RBC that my mother's account never had a deposit in the amount of $2,000 and the money should be credited back to her account. As of May 22nd, I have received no answers and the money has not been credited back into the account. Regardless of whether it was a mistake on the bank's part, or fraud, we deserve an answer and the money returned. The saga continues.


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I deposited a cheque then wanted to transfer some funds into another account. Because the entire cheque didn't clear, they charged me a $5 overdraft fee... despite the transfer staying in another account in Royal Bank; I never actually spent the money or really dropped below my overdraft limit. I am trying to get the fee back. I feel this is a cheap trick to steal money from me. Watch out for RBC... I'd recommend other banking options.


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I have received a government cheque due to the covid19 situation. After finally getting aid from the government. After 4 complete weeks of not having income and being the proud father of a 13 week old baby girl. I was told to avoid unnecessary movement in the heart of the pandemic in Montreal! I went to a smart ATM machine and deposited the cheque. It distributed a receipt with the whole cheque as proof. IT, being smarter than most of the staff I have spoken to and more helpful too.


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I went today to the Sherwood Park, Baseline Branch, and I found they are restraining customers to do transactions in the till rather they send people to do it via ATM. They are restricting my freedom and liberty to choose the way of doing transactions. They are acting with paranoia doing this. I wonder if this is a branch policy or RBC policy or Provincial policy or Federal policy? If you put in place measures for social distancing, you are not acting with paranoia. This reflects an excess of limiting/restricting usage of bank operations.


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Called Visa on April 7; on hold for 1 hr 3 minutes. Called April 11; only hold for 50 minutes. Called on April 13. On hold for 1 hour 30 minutes. Last time I called at 8 P.M. I was summarily disconnected at 9:30 P.M. This is GARBAGE! I understand they are busy given current events; but if you cannot handle the call volume, either hire more people or extend your hours. One star is extremely generous. They deserve -10.


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Went to do some online banking with my cell and my password would not work. So, I decided to restart my phone and then tried my computer web access. It appears they decided to "temporarily disabled your online access"? For what logical reason? I guarantee you my password was correct. So, was directed to call. Spent 27 minutes on hold, then when I was finally speaking to someone they transferred me to someone else! I wish the TD Bank in town didn't close down!


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I changed my banking from TD to RBC over 20 years ago... It has been an agonizing 20 years. I have all our products with RBC (mortgage, substantial investment portfolio, insurance, RESP’s, bank accounts, US account, Line of Credit). Unfortunately RBC has not treated me as a valued client. They charged us $17,000 penalty when we built our house under a construction mortgage (1st draw paid the existing mortgage and they dropped this penalty on us)... They had no remorse in doing this. Now the latest we purchased an investment property and gave RBC another mortgage and they mislead us on the mortgage... Signed a day ago (under duress) during the world crisis and I asked to change as I misunderstood the mortgage...and was told “too bad, you should have read the document”... I am disappointed beyond believe and feel betrayed. I will be transferring my business to TD once I’m able to.


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Have $120,000 in cash, 17 days now still can't get it. Asked Royal Bank to transfer the my RSP account, which was already in cash to a self direct account, on March 3...earliest they would make a appointment to sign the papers was March 12, got a email on March 19, said it normal takes 24 hours, but they are so busy, don't know when they will get to it... WHO THINKS ROYAL BANK IS FULL OF **. AND JUST USING CUSTOMERS CASH FOR THE VOLATILE STOCK MARKET TO MAKE MONEY... While paying me .01%... Yes 1/10 of a penny interest on the dollar. Remember it's already 17 days, still waiting... When they say it's normally 24 hours to transfer cash into another account.


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I went there to withdraw from my account. I was told to wait outside of the building until I was called. I was given no indication of how long that would take and mind you I'm in a line during the corona virus pandemic. No information was provided, not even a note was placed on the wall to inform anyone of what the procedure would be. A very unprofessional and unwelcoming experience. When I enquired about the waiting time, I was told again that I was to wait until called and that the bank closes at PM and if I so wish I could return the following day. I was not given an estimate.


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On 02/21 there was fraud on my account and money taken. I reported it on 02/23 and they stated they canceled the card and would ensure a fraud report. All of it was lies because on 02/25 they let the same people back into my account to steal more money. I called them on the 25th to ask how they could let this happen. 7 times I was transferred, sometimes to wrong departments, to get "We canceled the card" but nothing on how these people are still in my account. On the 7th transfer they picked up and then hung up as soon as I asked the question. It is now 02/26. The people are still in my account and I can't close it as Rbc states they will not give my money back without an open account which is going into debt. I am sure they won't hesitate to charge me NSF fees though!


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When I pay my employees, the amount to be paid is deducted from my business account (by RBC). When I look at my payment history, it doesn't show anywhere the $2,713.99 that I paid to my employees, so I felt a SERIOUS VIOLATION of TRUST against Royal Bank of Canada and so I (naturally panicked and) called up their phone support.


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I have been a loyal customer of RBC for 15+ years with several investment products, credit cards and mortgage with them for 8+years. I am currently on a variable term of Prime -1% = 2.95%. A friend of mine has recently renewed their mortgage with RBC at a 2.59% rate for a fixed 5 years term. So I asked RBC to convert my variable mortgage into a fixed one at 2.59%. They have declined because they know that it is difficult for me to break the term and move to another institution (I will have to pay a penalty if I wanted to). No manager or Customer Care Manager returned my call or spoke to me despite my request to the Financial Advisor to escalate the case. If I was in the end of my term, the situation would have been different. This is not the first time RBC has treated me this way with no consideration whatsoever to 15+ years of work with them. Pretty disappointing!


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Really disappointed with the service on my business Letter of Credit. Our office moved, so I called to change my mailing address on my Letter of Credit, because it wasn’t changed through my regular bank account (It is a service through Royal Bank, but provided by Royal Bank International Trade Center). After two phone calls and having to fax my change of address form back to them, I received my confirmation in the mail- a statement of $115, still addressed to the wrong address! If everyone charged $115 to change an address, no one would ever be in business after a move!


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Rbc does not stick to their agreement. After having a  mortgage with RBC for many years, and having signed an agreement with them, our bi weekly mortgage rate was mysteriously amended from bi weekly accelerated to bi weekly, this makes a huge difference in the period it would take to repay the mortgage and also the overall interest to be paid. When I approached RBC about this, I was told "Why don't you make a lumpsum payment to reduce the amount of your mortgage," in order for Rbc to re instate the bi weekly accelerated rate, why should I have to come up with additional funds to compensate for a mistake made by RBC. I have queried this with RBC numerous times both telephonically and by speaking to a financial consultant at the bank, and the answers I get each time is both devious and misleading, has anyone else encountered a similar problem with RBC


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Having read other, similar and recent reviews, RBC has clearly forgotten the basis of the banking sector: the client. As a long term, multiple account and mortgage holder, I've been thoroughly disappointed by the lack of customer care, due diligence and overall corporate responsibility that RBC has shown. This is a marked deviation from the Bank that my family and I have come to know and trust. I can only speculate that larger, macro-corporate interests have sadly overtaken what was once "our bank". Sorry RBC, you're losing people!


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You can no longer call the 1-800 number and check your balance discreetly. You must announce publicly that you want your balance. Embarrassing. Disruptive. For this reason I leave RBC after 30 years for a bank that respects your privacy and gives options.


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We recently opened a new E-Savings account to take advantage of a 90 day promotional interest rate of 2.5%. All the paperwork was done at the branch, by RBC personnel at Dollarton, in North Vancouver. We followed the direction of RBC personnel and deposited a significant amount of money. Now the promotional period is over and we are short $937.30 in interest. RBC are now saying the 90 day period began when the account was opened whereas before they were saying it began when funds were deposited. Our deposit was well within the allowable date parameters of their promotion.


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We have been customers of RBC for well over 25 years and of late it would appear that they are not interested in high net worth customers. My wife and I have a joint VISA and she pays for the VIP Banking monthly fee of $30 which entitles her to a number of things including a free VISA card. Because our joint VISA is in my name they charge us $170 for fees on the 2 cards - every I've called up and they have reversed the fees because she is entitled to a free card and a free supplementary card. This they refused to do it. It is ridiculous that they could not fix it when we initially identified the problem. "No you need to close that account and open another one." We can't just switch primary users. 


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A bank draft for $28,000 to clear my line of credit was issued to the Masonville branch of the RBC on December 20th of last year. This draft was submitted by my CIBC representative, in person, and the money has since disappeared. I've reported this to 3 separate branches, and everybody just wants to distance themselves from this. I've since figured out it was misappropriated and is nowhere to be found. After 2 different people at 2 separate branches told me they would resolve it within 24 hours, they have since claimed no involvement in the matter when I said I would report it to the police.


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The RBC opened a bank account in my name without my knowledge, permission or signature which is illegal. I complained and the investigation confirmed that is what happened and those involved would be retrained. The excuse they given by their mortgage specialist that committed the fraud was she had been given verbal permission by me which is another RBC lie because we NEVER spoke once. The truth is she stole my personal information off my partner's mortgage application to do this. RBC is disgusting.


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I open the account in RBC and later on I open up The small business account as well. And I apply for the credit card they told me, "Your bushiness is new. Try next year." Then I try after a year. They told me to wait one more year and try again..so I have wait every other year to get the credit card. But didn’t get even one. By the way my credit score also good and I have a good saving. But I don’t know why I am not approved. So I am going to closed all accounts and find some good one.


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The worst and most disorganized bank in Canada. I know it from the inside because I used to work for their security department. I got a call at the end of December because, surprise, I shopped. The phone call stated that I must call immediately because of unusual activity on my card. Happens every time I shop since I shop very rarely. They automatically make your credit card not work until you call a number they provide to verify things. I called it and followed the prompts but the automated system did not accept my valid postal code. THEN I got worried there was unusual activity on my card, beyond Christmas shopping. I was put on hold and threatened that if I don't hang up my credit card will not work anymore. 


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I have been with RBC for 25 years, I have multiple investments with them and I work full time. They have NO APPRECIATION FOR LONG TERM CLIENTS. I have never had any concerns with cashing cheques or overdrafts. The first incident they let my student loans take money without me authorizing it and refused to reimburse it (and no I did not sign for it prior and showed the proof of same). 


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I have been banking with RBC for the majority of my life. My mother set up my account for me when I was a child, and I used them until the beginning of this month. I have a credit card with them, I wanted to get a lower interest rate as the payments I make just cover the principal and not the interest. Client representative said she'd call me back in 2 days to see how my application goes (she hardly educated me on what she was applying for on my behalf). No call. So I called the credit card hotline, they said they couldn't help me either. It's not like I Was asking for MORE money, I was just asking for HELp. I closed both my chequing and savings account in the next coming days. They didn't even ask me WHY I was closing my account - THEY DON'T CARE. You'd think that client retention would be important to them. Never banking with them again.


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This is the most incompetent bank in North America. It's a better idea to keep your money under your mattress. They froze my online banking, the customer service number made me go into the physical bank who refused to unfreeze my account. The customer service in the bank was rude unwilling to help they said they want me to get my phone cleaned professionally simply because I forgot to lock my phone before putting it in my pocket and having the wrong password put in. They charge me 10.99 to deny me access to my own banking. Go to Calgary first financial. Their services are way better and it's FREE! P.S. they charged me $50 for moving my rrsp after they refused to give me access to my banking. Do not bank with them. They are thieves.


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We have banked at the Royal for over 35 years. Mortgage, RRSPs, personal loans, etc. We set our son up at the Royal a few years back and were planning to get him set up with a mortgage in the near future. Our son moved some money between accounts after 6 pm one evening then put it back when he realized he took from the wrong account. The bank charged him 40.00 for nsf the next day when a scheduled payment went out even though he had enough money in his account. When talking with the bank they gave some smoke and mirrors excuse about when the money was moved, we proved to the bank their excuse was wrong. They have no idea of how their system works. 


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Recently I moved to a new town and was excited that there was an RBC here. When I went in to change my address, the teller was initially friendly. I expected a "Welcome to the neighborhood, would you like to meet your new advisor," any of that, I wasn’t even from this half of the country. Nothing. My visa was expiring a few months later and when it never arrived, I called in. My address was never changed. Over the subsequent months I closed my TFSA. The tellers would not book me in for it though it was in mutual funds and I would have rather met with an advisor first to go over fees but nope. She had me log in to my online banking at the teller and shut it down. No retention of my business at all.


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We purchased a custom Ford Transit 350 HD XLT with high top in March 2019. RBC was already covering 2010 Hyundai Elantra, so we asked them to add the van. Imagine our surprise to get a bill for $667/mo. We thought the rate was high, but this was our first new vehicle so we didn't really question it. Later we decided to switch carriers and CAA quoted us the same coverage for $130/mo. When we asked why CAA was so much less, they told us RBC was charging at a commercial rate. They also would not accept any of my US driving history, so instead of acknowledgement of the 30 years I've been driving and a pristine record, they charged me as if I'd only been driving for 2 years. Needless to say, we switched to CAA immediately, a savings of over $6000/year. I'm also certain they won't reimburse us for brazenly incorrectly overcharging us.


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My mom called RBC this morning with my help (she's a little older and not great with technology). She had fraudulent charges on RBC Visa and after explaining the situation to them we were repeatedly told it was "just our word" and there was nothing they could do to help. She has been an RBC customer for 30+ years and I could not believe the lack of willingness to help. We will be cancelling her RBC accounts and taking her business elsewhere. I have been with TD for less than half that time and they text me themselves when they see suspicious activity on my account, the one time it was fraudulent they cancelled the transaction immediately. We will NEVER be using this company again.


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After asking lots of questions, I closed an account with a different bank for my small business, since RBC offered an account with unlimited and 'free' electronic transactions. I specifically asked if I could pay my CRA remittances (payroll deductions, GST, etc.) electronically. 'oh, yes, for sure!' was the answer. Over the last 3 years I discovered


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Been on hold now for over 30 minutes and still no one has picked up. Got a call about a charge on my card I didn't authorize, sounded fishy so I hung up and called the number on back of Visa card to make sure everything was ok with my card. Still waiting. I hope whoever is make illegal purchases with my card aren't still using it or they will have lots of time to rack up a serious bill!!


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If you have to deal with their estate department, good luck. Policy varies from person to person. Cannot get a statement for the estate, been asking since August, won't even allow view only access to estate account even as executor.


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Spend two days on the phone having to switch from 1 agent to another to book a ticket. RBC is not the place to deal with if you want real customers service. Everyone just reads from a script.. Total waste of my time. At the end with all my points it really did not make much of a difference if I would have bought directly from the airline and saved all the stress and effort that went into this booking. I will start shopping around for a better bank to deal with. My advice, stay away...


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I called telephone banking because there was a transaction on my RBC visa that looked like fraud. Waited for over an hour before anyone took my call. These wait times are unacceptable. There should be more customer service representatives.


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Please DO NOT use this bank, they suck **. They tricked my family over and We are moving because of that. Please everyone IF YOU SEE THIS... DO NOT...USE RBC. My dad recently died and we were trying to get his life insurance because that money is obviously my dad's which gives it to us, but one of the people there Took a cheap shot and now it's cut and dry because he told my mum false information. Please do not use this place. It’s sickening and the only thing good about this bank is their mints and that's all.


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If you are looking for a bank that is going to tend to your needs from a service standpoint, RBC is not the bank for you. I have had constant issues as a finance manager for the company I work for and as a business owner. I can count several times where RBC service reps have ignored calls and emails which have led to difficulties in operating my own business and the business I work for. It always seems that when you are in need of assistance they are never around. Two representatives that come to mind are Tiffany ** from RBC Port Moody and Div **. Both of them were terrible at getting back to me and they both missed and cancelled meetings that were scheduled. This bank does not care about your time or business.


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My mom is 87 and in Aug/2019 diagnosed incapable of managing her affairs. I had a valid POA and approached CRA, the pension funds, the province and was granted guardianship from everyone except RBC. Without explanation the bank refused to honour my mom's wishes in her valid POA. She remains in a facility and I am unable to pay for her care or maintain her property because the bank refuses to release or explain why it is stealing her assets. The people at Head Office won't reply anymore. The RBC Customer Care people stopped phoning after saying they have no idea what is happening or who is causing the block. The branch where mom banks refuses to explain why her assets are not being made available for her care. The RBC Ombudsman refused to hear my complaint because the Customer Care people refused to close their file. 


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I'm on disability. My elderly parents live with me. They have dementia and Alzheimer's. I have a vehicle loan and they keep threatening to take my vehicle because I missed a couple of payments. Worst bank.


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I have account with RBC for 23 years. When you call them for any subject, you need to stay online for at least 45 minute. Recently they provide you horrible service. They are not cooperate with you at all. They are doing mistake and they will try to cover it. The operator is not qualified and they don't have any good direction. I don't recommend anybody to open account with RBC. Their rate is much higher than other bank. They are charge you more and even they are not provide you any good service.


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This is has by far been the worst and I mean THE WORST experience I have ever had with any bank. Attempting to help my dad pay a bill online when access was denied I called in with him. After they verified him he gave consent for me to speak as it is hard for him to understand, the lady on the other end was beyond rude and 0 percent helpful and should not even be working in a customer service role when she clearly cannot comprehend what that means. She stated she was a supervisor, which was clearly a lie and if it's true that is very sad for RBC. She told us that if any fraud happens on an account where you have used a computer that you state you have ran an antivirus program on you are liable for anything that can happen to your account after. 


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I applied for debit and credit card two weeks ago, and I still haven't received any valid card. The temporary card I first got was demagnetized so I went in to talk to a staff. He said I should have received the card by now and if I didn't, I won't received it at all. He filed me a new card. Two days later, I got the debit card in mail. However it was declined due to filing a second card. So I am still waiting. I have to pay more money because I don't have a Canadian credit/debit card. I used my American credit though it has transaction fee. I don't know why I should pay for their mistake. I am switching bank. BMO only takes 3-5 days to receive a card.


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I've banked with RBC for years. But recently, they returned my mortgage payment because I was $15 in the overdraft! I quickly transferred additional funds to clear up the overdraft. They returned my mortgage payment anyways. So, for $15 over, I paid RBC $45. On top of that, my mortgage company charges $199 for NSFs. In total I've paid $244 for being $15 over. Flippin' $15!!!! I ABSOLUTELY HATE RBC and all banks for that matter that make money on people's misfortunes.


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I have been with RBC bank for ten years. Most of the time I haven't had any issues. I have lived in Asia for the past two years and this past year I've had so many issues with being able to use my credit card. I have not been able to book with many different hotels or airlines. I have tried with many different ones. Even American or Canadian airlines. My credit card will not allow me to do anything with it. I have emailed back and forth numerous times and the most common response I have received is "it's an issue with the merchant, not RBC." I'm really tired of having to have my family members book things for me because my own credit card will not work. I'm very frustrated and disappointed in the lack of assistance I have received. When I come back to Canada I will be changing banks, I need a bank that can provide me with assistance and allow me to do the things I need to.


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I have been using this bank for over 35 years and only had a couple of issues that were taken care of swiftly and with the most upmost care and helpfulness. The thing I love about this bank is they work with you not against you. Prime example if you short a dollar most banks would charge a full fee where as Royal Bank would use a minus proving they would sooner have customers than grab money for a minor mistake like most banks. (Insufficient fee was not charged even though I had no overdraft with more than one dollar yet other banks charge even if it's one penny over which was done to me before.)


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I arranged for and closed a mortgage transaction with RBC in early May 2019. I was promised $1000 cash for deposit to my account within 4 to 6 weeks. Three months later I am still waiting for the money. I contacted RBC several times. They promised that action will be taken and the item would be escalated. Even after their own internal 7 day deadline for resolution was imposed, I am still waiting and for the deposit. I am so disappointed with RBC. They can’t even meet their own expectations and standards of service - this speaks volumes about the service you can expect from them. The worst part is that you contact the mortgage rep directly, as well, as the Customer Service number and they do not respond or provide follow-ups. They apologize but that’s about it. They talk the talk but they clearly don’t walk their talk! I’m beginning g to think that the mortgage promotion offered to me is a scam. I would not recommend dealing with RBC!


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Well, I would like to start off by saying Thank You Royal Bank. This is the 1st time in my life that I'm unable to pay our bills because my husband is in a nursing home and he was diagnosed with MS in 2017 and it has deteriorated him to the point where he can't see or walk, so now he's bedridden. For myself, I had a stroke in 2015 and I can no longer work. We both get Disability but mine isn't very much and his cheque goes to the nursing home, and his other cheque pays for our Mortgage on our house that I live in and I'm in the process of selling it. I'm having a hard time financially.


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I like the convenience of online banking. It makes life very easy. If you would like to pay your bills in the middle of the night you can. No problem. I do not like the automated machine. You can't talk to it I just a pain. Other than that it's ok.


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I have banked with RBC for 32 years, and was looking to consolidate debt. They told me that I probably wouldn't be able to get a home equity loan despite having at least 20% equity, and that a consolidation loan would not save me much more money. Then they suggested that I apply for a VISA with a 5.9% balance transfer for 30 months, I may not get a high enough limit, but it should help. I asked them "are you sure?" They said, “Yes, very likely you'll be approved.” Big mistake. They outright denied the application, stating that my debt ratio was too high. When I told them what their rep told me, they talked down to me, like I didn't know what I was talking about. They then told me I could get a home equity loan, and to come in the branch to apply.


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We met Ratna in June 2012 as we move to Calgary. At that time both just got our jobs. Somehow we had a dream to buy our own house in Calgary. We were new to this town and looking for someone to help us in buying house. We already had an account in RBC. So we just gave a call to customer service and they referred Ratna's name to us. We met her in person and expressed our desire to buy new house. She was so nice and asked for just four pay stubs and processed for mortgage pre approval. She only says that wait for another three months to become a permanent status in our employment.


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What a POS these PVQa are. This idiotic piece of software has decided in its tiny brain that my computer is no longer recognised as secure and keeps bombarding me with these questions whenever I try to sign in. This is truly disgusting and the worst security software of any of the big 5 or for that matter just about any Canadian bank. Do you guys have a deal with Bell so that when I dump them you make my life as difficult as possible?


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Hi my name is Fidi and I have been a client with RBC for over 8 years. I do not owe them money and my account always had funds. Last week I received a letter in the mail saying they're closing down my account with RBC. I called every department and they're telling me they can't release any information regarding this. They don't want to tell me why or what I did. I recommend not going with RBC to anyone. Whether you have line or credit or anything else, they will close your account with RBC with no explanation or reason. I WASTED OVER 8 YEARS OF MY LIFE WITH RBC AND IT WENT DOWN THE DRAIN... ALL WANTED TO KNOW WHY!?..


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I have found their staff to be extremely helpful. Having worked in many financial institutions I can honestly agree that customers are more likely to provide a bad review than take the time to write a good review when warranted. I dealt with Royal Bank in the past and found the staff offered products that suited my needs and made suggestions even when I didn't have to ask. (I am not wealthy with perfect credit.) 


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Extremely rude people work on the other end of the phone. There needs to be some serious government oversight because this company does many things that are totally unethical. They charge fees after services have been cancelled. The second you call they cancel the fees. They are clearly banking literally on people that don't look at their statements in detail. Beware. This company only cares about short term profit. They do not care about their employees or customers. Find somewhere else to do business.


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I've been a RBC client for nearly 20 years and recently switched my personal accounts to them from the credit union I have belonged to for nearly 40 years. Because I am a senior and can't always get to the branch, I rely on their on-line service to pay bills and manage my accounts. I have to say of all the on-line services I have encountered being in business, RBC seems to have the worst record. Half the time I cannot do any personal business because their system is "temporarily out". This is most distressing and given that I have to pay my bills on-line (going paperless!) I am very angry with RBC for not getting their act together.


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Wow, I have never dealt with a more unprofessional business ever. I spent 1 hour on the phone with them and was preapproved for a loan. After waiting a few days for my appt I get a call 2 hours before and they tell me, "The person who approved it was new and so we can't help you." I can't wait to switch everything to another bank. Any bank would be better than this one.


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Business owners stay away from this place. An hour long interview for a $5000 credit card and then tons of signatures. After 2 weeks I was again called back to bank to sign some more stupid papers. I had a credit score of 750 plus and with that history I could walk into any bank and get a credit. Credit card is still not delivered to me after a month and furthermore the account access card sent to me was blocked.


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The bank put a deposit only message on my account, I went into the branch on Monday to have it removed. I was told the manager would review my account the next morning and contact me by the end of the week. So the next day before closing I went to the branch again and demanded to to withdraw my money and the manager refused and arrogantly handed me a pamphlet on how to make a complaint. I then returned the next day letting them know that I now have missed two days of work because I didn't have money to purchase gas for my vehicle in which he responded, "I told you I'll call you Friday." I returned again the next day and told them that this was the third day I couldn't drive to work and I was told to file a complaint. 


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I have a business account with RBC. I called them to request a line of credit. After wasting about an hour on the phone, the person I was talking to (he said his name is Jay) asked me to be on hold for few minutes and then just hanged up and never called again. I have never seen such an unprofessional services like this before. It is very apparent that we get connected with RBC employees who only want to do transactions that generate big bonuses for them.


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The franchising come with everything in a neat package. Then little by little they start revoke credit cards and lines of credit. When that doesn’t make you quite they close bank account send letters telling you to bank somewhere else. Refuse to look into problems until you pay them extra and then make you pay fantium extra fee for BDO whom you never see before. They will discharge your loan when paid...STAY AWAY.


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If RBC read any of these reviews they would have a better understanding that their customers DO NOT want virtual freaking customer service and wish to speak to a live person. Hire more people to deal with the customers calling in if that is the issue.


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I have business account with RBC. Where I deposit cheques every month and all the cheques are from same one client! They been putting it on hold for 24 hours! Which was ok and now they started holding it for 4-5 days. I tried calling customer service where there’s no option to talk to Real person. Has to talk to their virtual assistant like stupid and then Finally it says he can’t help me so he gonna transfer my call to representative and no one answered call. They been putting me hold for 2.5 hours in process of transferring to someone real. After 2.5 hours phone got disconnected without talking to anyone. Switching my account to another bank. DONT WASTE YOUR TIME WITH RBC.


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I applied for a mortgage at RBC. They advertise that their mortgage approval takes from 60 seconds to 3 hours. More than 2 weeks passed and they even didn't notify me that it was denied. So I've lost a chance to apply at other banks where I believe I could get a financing easily. Because of that I lost a lot of money. Their underwriters simply have no knowledge how to work with customers. I don't recomend RBC to anyone. Very poor service.


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I have been RBC client for over 12 years, with the good background history with good income. I tried to apply for any service such as personal loan and line of credit but I was denied. It is a shame that a bank that I have no history with approved me for a very high amount of line of credit. I am thinking of switching over me and my husband both. I am so sorry to waste 12 years with Royal Bank of Canada.


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I opened my account just recently at a branch in Dundas and Spadina last month. I plan to use it after a month, once I joined my next job at a new company. The advisor gave me a void cheque for the payroll direct deposit. I gave it to HR then receive my pay slip after working there for 2 weeks since I'm paid bimonthly. When I checked my account, I was wondering why my pay wasn't reflecting so I waited few more days 'cause there might be a lag or holding policy or whatever since it's a new account. I had to investigate if it's HR or the bank's fault. 


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I got a very attractive line of credit rate while working for RBC. As soon as I stopped working for them, they more than doubled it (10.35%) - banks I did not work for offer me substantially better rates. Another issue is that despite my making large payments on the line of credit that more than cover minimum payments, each time they also automatically withdraw minimum payment a few days after my payments. There is no reasoning with their 'support' staff (probably third world country staff).


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Fraudsters and scammer who steal credit cards work with RBC employees and inside people on RBC to allow high-risk transactions, RBC failed to flag 2 transactions for 4000+ and 2000+ each in short time span. RBC is not doing anything to stop transaction, block card or even charge back. Their security call center is in third world country. Never trust RBC again, they are under RCMP investigation.


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I have been banking with RBC for over 20 years, I have had 3 mortgages with RBC and have been a model customer. After my wife left me, I opened a personal checking account (previous was joint) and whilst doing so in the branch I asked RBC to transfer all the direct debits from the previous joint account to my new checking account. As I was in the branch doing this I wrongly assumed everything was completed. I work overseas and a few months after opening my new account I received a message from my daughter telling me I was in default on my RBC mortgage. I checked my account and the funds were there but had not been debited for 2 months. I immediately phoned RBC on a satellite from Libya and was told to go on line and transfer the funds to my mortgage account, which I did.


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I have a small business and for over 10 years 2 bank accounts with RBC. I have received an inactive account notice on a business savings account stating that it has been over 2 years since I had activity on this account. In the past 2 years I have had interest deposited monthly and I deposited 70K in Nov. The reason for this letter and the notice that I will be charged $20 inactive fee is because I haven't used my client card on this account. I use my client card number almost everyday to access my accounts. How many businesses actually use a client card to do business banking? The whole premise of this letter and impending fee is insane. I will be closing this savings account. 


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4 years ago I was stupid enough to get an RBC West Jet rewards card. I always made my monthly payments. 6 months ago my son's father was unable to pay child support. I called them and they said they are writing off the card to "a third party collections agency." I said ok. For the past 3 months they seize 80% of every deposit, they seize child benefits, everything they can. I've lost our car over this, I'm unable to pay bills, buy food for my kiddos, unable to function, really, this has been the worst experience, the lowest low blows. The credit card had a 2k limit. They have taken $3,100 in 4 months. RBC IS THE WORST.


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I make 100,000 ++ and own my own home and have very good credit. I applied for a home line of credit 16 WEEKS ago. Yes you read that right. They had an appraisal done and no issues there at all either. I’m not looking to borrow more money, just to tidy up some building/renovation debt. I get no calls, no updates, only a reply if I go over the agents head and still no answer about my financing. I get, I’m busy... I’m not at the office... I’m away on holiday... I will be sending all in for approval. I will check when I’m back to my office???


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I booked with them yesterday to setup a business account. Today I get a phone call. "Hi, we're from ADP." "The payroll company?" "Yes. We were given your information by RBC." The booking agent for RBC had asked me on the phone if I wanted to discuss payroll. I felt it was a sneaky way to get a referral commission by exploiting my information. I have an appointment on Thursday and best believe I'm giving them the what for. I think they just lost my business.


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I have had a RBC Visa for over 30 years. I am trying to keep my credit card use under control so I hadn't used it in over a year. It had zero balance throughout that time with a credit limit of $10,000. Suddenly I was informed by my credit/identity protection company that RBC had closed my Visa account in December 2018. I had no notification or knowledge of this, and my credit rating took a huge hit and is now at a "poor" rating, after having been "good" for decades. I called to find out what happened and was told that the annual fee of $20 (due in August apparently) hadn't been paid so they closed my Visa account. I told them I knew nothing of this fee and no one had contacted me to notify me of either the fee or the closure. 


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We were taken advantage of and lied to regarding a credit line. When we renewed our mortgage we got a credit line as well. Come December the rate doubled!! We were never told and now they say our rate when we signed was just a promotion!! Branch manager said he'd look after it, he didn't, we now pay twice the interest. Should BE CRIMINAL!!! The last response from them was "I do appreciate that rate adjustments are not pleasant" REALLY?!? They doubled the rate without notice, CROOKS!!!


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First of all that temporary card you can't do ** all with which made it so I couldn't get a rental car when my car was stolen with my debit card in it. Had to wait 7-10 business days for a new card but any other bank actually has their systems up to date. Not to mention the fact that the RBC atm machine at RBC still wouldn't accept my card. I hate RBC more than any other bank. STAY AWAY FROM GETTING AN ACCOUNT HERE.


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It was so easy for a hacker to gain access to my account through a mere text message. I lost $900 because of it. I tried TD first, but their security was good. Then RBC fell victim to this 3rd party...


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My mother passed away on June 18, 2017. I just wanted to write to you about the experience my Dad who is now a widower with his bank. His Bank the Royal Bank illegally took money from his account without permission to pay off an line of credit $50k. Then the jacked up his mortgage by $500 dollars a month and wouldn’t decrease it for a year. Even though 3 times we filled out paperwork and they said they would and then he had a line of credit that he was planning to get address to which he had a week ago. And the bank closed without permission.


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I reported a fraud whom I paid after an online shopping. I called them right away after I learned that the site was fraud. All they do is keep telling you get a report from the police to show it's fraud and email it to us. When we had our report we wanted to send it to them but they said they don't have that address or whatever and that they can't refund us until they have the report. It's been a month and still no refund and when we call again they said, "What's the case number" and all. The same thing over and over. Still nothing.. What a shame to this bank. Very slow in helping their customers and the customer service people are rude. They don't really care about our concerns. I hope someday this bank will be bankrupt. They have poor service.


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Do not fall for their iPad **. I was with TD everything running so smoothly and RBC asked me to come back. They told me I just need 2 payrolls to enroll. This was done Sept 12 2018. Dec 12 2018 still nothing on my iPad after numerous calls emails etc. I finally heard from branch manager who said sorry because I was with RBC 2 years ago I dont qualify for iPad. So no letter nothing saying this. In fact when I went into RBC to open new account they used my old info from before right there in front of me and they never said, "You dont qualify for it" and kept saying, "6 weeks you will get iPad." 12 weeks later after no word on iPad I called time after time for them to tell me this. I changed EVERYTHING payroll auto withdrawals etc just to get screwed by RBC. Stay away from them. Once they get you they no longer care.


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Never fall for RBC promotions. One rep named Manpreet called me at 10.30 pm on June 12th, promoted to open a checking account saying I would get an iPad once I set up two pre-authorized payments through the new account. She said I should not cancel the new account for a period of one year. After showing me the benefit of it, she over the phone opened my account, transferred my mortgage payments which were smoothly going through my TD accounts, and I authorized my Hydro payments also through it. 


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Can't believe in this day and age that a bank like RBC has to manually input data when you request a bank statement. Took 7 months to get bank statement and still waiting for the rest of it. They lost my money and wants me to sign a bond of indemnity so they can look for it... Do you believe this?


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Disgusting Practice in RBC Lundy’s lane, Ontario. My father passed recently and my mother set up an appointment to transfer all my father’s funds over to her account and to add myself as joint holder, suggested by her lawyer, in case something happens to her I can step in to pay her bills... Etc... Which prior to my father’s death they both came in together to discuss this. The representative at the first visit sends my mother home to think about putting a family member on her account. Then we come back again today to get this done, I work full time. Don’t have time for multiple visits, it’s her account and she’s asking me to be added if she needs it down the road. The representative again questions her, seriously.


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Over the phone for the security questions, their questions are baseless. No concerns with the identity of the person. Just confusing questions. The representative was so rude and barely knows how to communicate with client. And then denied to process credit application because he said “I don’t think your answers were right”. On the other end TD Trust took one day to approve it.


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I had an RBC employee cancel and apply for a new credit card without my knowledge or consent. I had been at the bank for a completely unrelated cash transfer however, when I left the employee had not closed my profile and proceeded to manipulate my accounts. I have gone through all of the channels at RBC with little concern from them. Adding insult to injury I recently learned that this employee was promoted! Appears they not only condone this abusive behaviour but reward it.


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My name is Muralikrishna **. I opened my checking account recently. Deposited cash in 2 consecutive days, got the receipt with updated amount. After 2 weeks, they hold one of my deposits. When I call customer service, response is so irresponsible. They are very rude. My issue is not resolved yet. Never experienced this type of issue and this kind of customer service. Please think once again before you open the account.


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We were flooded in 2017 and after a lengthy negotiation with the Government we chose to demo and rebuild our house. We had a balance left on our home line which gives the bank the right to block any demolition. So they are. We have documented proof that the government will pay us over and above the amount showing on our balance yet the bank refuses to give us a bridge loan for 1 month and they refuse to give us a letter advising it's OK to demo. They are costing us money in interest and in delays in our rebuild only because they can. They have been more than obtuse in their reasoning. Anyway stay away these guys are bloodsucking crooks - By the way 20 year customer who has RRSPS with them covering more than the amount we needed to borrow.


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After 3 1/2 hrs with a 'licensed insurance agent' I believe that poor service is the norm at RBC. I have 5 vehicles with RBC and just removed 3. I only basic coverage on both and they cannot get that in place. There are options on my policy I did not authorize and their agents have no ability to address concerns in a timely manner. They have mailed me 2 policies since my calls began and still they cannot take a simple request and complete it. I am forced to spend a min of 1 hr per call (I start my calls with I with, I don't have an hour and they take an hour anyway). Call just to get it wrong again. I will be moving my vehicles as soon as I can find a better company to deal with and my shares and accounts will follow. This company will just let you down. Go somewhere else and spare yourself the agony.


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Every so often I try to log on to one of my Royal Bank online accounts. I enter my account number and my password which I know very well. I get a message that says "that's not what we were expecting". After a few tries I usually just give up to try later. Next time I get the same message. What they really mean is "we have locked you out of your account". Maybe if they were honest and told me the truth "we have locked you out of your account" instead of "that's not what we expected" I might not be thinking about moving my accounts somewhere else. Once they sent me an email saying someone had changed my password. When I called them, it was them who had locked me out and no one had changed my password. Try telling the truth when you lock me out of my account instead of wasting my valuable time.


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I Maria ** deposited 2 checks ($6000.00 Balance transfer check and $3000.00 a personal check) at ATM last Sept. 26 and 27, 2018 respectively. Unfortunately, I am unable to access my bank account at ATM. Went to a bank teller to get help. Waited for 1.5 hours (Barnett Highway Coquitlam Branch). The issue was not resolved and was being told to visit my branch (North Road Branch) to bring 2 pieces of ID. The RBC Barnett Branch check my ID already during my visit. Why do I have to visit my branch - North Road. 


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Deposited a cheque to my business account from Another RBC Client. The full funds were available to use next day and the cheque had cleared (was told that by the business teller at the bank). After waiting another day I needed the full amount of funds on the account to make payments. After using the funds and a few days pass by I check my account using online banking to see what I had in my account and saw that the cheque that was cleared and deposited into my account was reversed back into the customer's account.


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I recently received a USD wire into my US Personal account for $61,856.33. All of my accounts were restricted to "deposit only" access, and I am able to access neither these funds, nor any of my CAD accounts or other products with RBC. I have visited my home branch in person, and was told the funds are under investigation. The bank refuses to provide any additional information, and will not give me a timeline for when the funds will be made available. Essentially, all of my money with RBC is being held hostage for an indefinite period. I am unable to pay credit cards or any bills, since all of my funds (not only the wire under investigation) are being held. Furthermore, I have received may five figure wires in the past from the same source as the wire being investigated. I have no idea why RBC is arbitrarily causing issues with this particular wire.


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I am attempting to apply for a unsecured, personal loan through my bank, RBC. I have accumulated debt which is "not RBC related" and additionally debt which "is RBC related." I am sure most RBC readers can relate to similar financial circumstances. I shared a pleasant conversation with the customer care representative from the RBC customer care center in Mississauga today. Over the phone. I don't live in Mississauga. She was prompted to call me at home because I registered a complaint file with the "BBB." My complaint relates to my declined application for a loan. She explained at the beginning of our conversation she does not have the authority or power to approve loans. She explained to me when I mentioned the department, "The RBC Ombudsman" didn't actually do anything for me because the RBC Ombudsman wants clients to contact the RBC Customer Care Centre before we contact the Ombudsman. 


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5 trips to the Golden Mile place and 6 calls to customer service to set up a chequing account. First cheque was lost but when found no hold, second cheque deposited was placed on hold, bank card deactivated 3 times, website access denied after cheque was placed on hold. Hassle trying to get cash for monies in prior to the second cheque. The constant follow up and trips and time lost beyond disappointing.


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I have a RBC credit card that I’m enrolled in the hardship program. I have been paying my monthly arrangement on time and wanted to continue the service. The agent was rude, accused me of being a liar, did not explain why all these questions needed to be asked. She kept me on the phone for 45 minutes. I felt she lacked people skills, communication skills and the decency of being a human being. RBC needs to train their staff on the basics of customer service and the value of clientele. At the end of the day we are all people and respect is a two-way street.


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I called RBC auto and home insurance department and first the automated system stated the wait time would be half hour. Within that time frame I was able to drive to an RBC branch for a withdrawal, stop and purchase gas, then return home and still end up waiting for an 1 hr. I was annoyed and hanged up then tried my luck again to only find out that the wait time is now 1 hour and 30 minutes. Seriously?! RBC please provide customers with the option to schedule a call back time. It's not fair for customers to sit for hours and wait for your business when there are other competitors out there offering such services.


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The credit card people told me, when I queried a double request under "authorized transactions" that it was the fault of the merchant but they wouldn't let it go through. The next day it did go through and took away my remaining credit on the card so various bills were not paid. The credit card people were rude and unhelpful. For example: a. Please increase my credit limit or refund the money immediately. "Can't. It's procedure." b. Can I speak to your manager, please? "No, it's procedure and as I'm following it, they'll just tell you the same anyway." No focus on the needs of the customer at all.


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Reps an RBC Mortgage agents have misinformed us. Even with emails to prove it. RBC never wants to take accountability for its employees. Even now we paid off for our car over a year and it's a hassle to get it updates with the insurance company which bears the name RBC - they say RBC insurance is not really RBC. Well no matter your partners and should not have difficulty updating a car that was paid off over a year ago. When we were buying our second house we were given in email different loan amounts on RBC letterhead then they changed it and said mistake like mortgage officer we don't honour mistakes by our employees. What a joke even though I have it on RBC letterhead signed by their loan specialist. No accountability for their system and employees is RBC.


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Today, I went to the Royal Bank in Penticton. They have just amalgamated 2 branches, same number of tellers for a population of 30,000 people. There was a lineup of 15 people, out the door. So I decided to go to the bank machine to deposit a cheque. The machine took my card and wouldn’t respond. I asked a staff member in one of the offices if she could get someone to help me. I stood by the machine. In a few minutes, it make some noises but my card did not appear. A teller came out and rudely insinuated I put the card in wrong and that she would now have to put an out of order sign on it. I asked, “Well what do I do now” and she rudely said I need to cancel my card then get a new temporary card. I asked if she would expedite my issue as the lineup was long. She replied she could not. 


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I went to Montreal mid July, before leaving I sent £2,000.00 to my family member who lives in Montreal thinking it was the best way for me to have the money already in Canada so I could relax knowing that everything was sorted. The money left my England bank on the 21st of June and I was told it would take 5 to 10 working days, after waiting for more than 6 days me and my family kept asking the respective banks for the money but without success, I contacted my England bank asking for answer but the only thing they could do was to sent emails to the RBC which never answered any of the queries from my bank in England.


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We opened two accounts with RBC. Jamie ** of the Salmon Arm branch spent 3 hrs with us, first opening a savings account and then a US high interest US account. She was very patient and walked us through "online" banking explaining every step in a detailed but user friendly manner. She explained various services, costs, disadvantages and advantages in a very friendly and professional manner. When we departed we had Client Cards, Canadian Mastercard, US high interest savings account and US Visa card applications, and had deposited monies in all accounts. As we travel every spring to Arizona this will relieve us of the extra financial expenses we have incurred in the past. Thank you Jamie.


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I got a mortgage from RBC, and I was told by their mortgage specialist that I needed to open a bank account with them to receive an incentive she claimed they were offering. So I did so, with a very unhelpful person named Gary ** at Royal Bank Plaza in Toronto (it was an account that required a credit card and another bank product to have the monthly fee waived but when I tried to contact him to set them up, he ignored my messages). Anyway, when I tried to active my new ATM card by doing an ATM transaction, it told me I had to go to a branch. When I tried to log in to my account, it locked me out. When I went to a branch, they told me that my account was overdrawn. 


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I have been really upset with services provided by RBC a few times. Last time it was the RBC customer service. I thought the customer service is meant to be helpful. Instead, I felt myself kicked off. The man on the line was speaking polite sort of but the meaning of what he was saying was arrogant. He certainly was not helpful. I was left puzzled and angry with his attitude towards my problem.


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Worst bank ever. Their accounts are always kept in an unordered fashion, they want to NSF you quicker than making any complete payment. I've had NSFs for amount of less than 2 dollars as well. They are generally very unhelpful with almost any situation, this bank just takes no caring on how long you have been with them!


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So I opened an RBC bank account because they had all these pretty advertisements about being a good bank. What a joke. Upon opening it, I was told that there are no holds, then there was one, I complained, and was told once my cheque from my work had been cleared a few times there would be no hold. To this day, after 4 months of receiving cheques that have never had an issue, they still hold MY money. After complaining multiple times, I have been told by several rude managers and equally rude staff, that they can choose how long to hold my money for based on my personal attitude. I dealt with one kind staff member after dealing with a manager who told me instead of giving me $100 when I cashed my cheque, she lowered it to $50 because I was upset. This nice staff member told me she can waive holds, any teller can, so for a while she was and it was great, all my bills were paid on time. 


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In 2017 after multiple tests I had quintuple bypass surgery, open heart. Although I have held the policy since 2005, and 5 days in hospital, with the surgeon's insistence of a minimum of 8 weeks recovery, and notification to the Bank, I was advised the policy only covered hospitalization. When I requested a copy of said policy it was not provided. Upon insistence it was provided 45 days later, with provisions and maximums not declared at the time of agreement with the original policy. My premiums to the time of my operation were 2478.24 dollars. The maximum payout being 36,500.00 dollars. Not part of the original policy. I'm not sure if I am the only one this has happened to, I would like to start a class action suit against the bank if your circumstances resemble mine. After all the Royal Bank has a dedication of too big to "FAIL".


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I deposited a certain amount of money in my account. After a few days when I checked my account, I found that a debit of over $1000 has made and I am not aware. I called the my RBC branch. They did not know about it. On the next day I went to the bank, asked where did my money go. The spent over an hour and came back to me saying that the teller by mistake "credited $1000 into your account and we have adjusted it and we did not consider informing you." I told them that the teller counted the money in front of me then she went to the machine to count them again and then gave a receipt etc. But everyone wanted to secure their RBC colleague. I was asked to leave the bank. I tried at all levels in RBC but no one wanted to help. I closed my account and now decided to go to the court.


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I've been living in Canada over 4 years and maintained a very good credit score (760+), 1st appointment I made at Kingway branch for credit card and other financial information he asked me to meet him after I get my permanent resident, after 6 month I when I went again (Surrey branch) with my permanent residence (Canadian Experience class category) which he don't understand what category 'CE' means so couldn't issue me a 1000$ credit card and suggested me to apply for other bank credit cards (American Express issued me 7000$ card). And gave zero information regarding home mortgage (which was my primary concerned). Time to change my bank with whom they treat their customers with respect.


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When we began with RBC our advisor Miles ** said the TD Securities was selling us investments that only benefited TD. Now we are 10 years later and RBC has done the same thing. In the last 2 years he has moved our investments around several times which he hadn’t done in the last ten. When we got our last statement and saw we only made 2% last year we needed to talk. His excuse was that US hadn’t done well and that is part of the reason. Well the US market in 2017 broke records. Some of our friends and other investors I knew had done between 7-9%. 


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Worst of all bank. Stay away from this bank. Whatever they say is crap. I went to the Long Branch branch of RBC. I asked her if I will get a credit card or not, she didn't answer my question. I asked her several times, she said, "Come some other time. We will talk about it." My credit score was 740, they did hard check on my credit and my credit score went down by 90 points and later they send me a letter saying it's disapproved. I don't meet their credit criteria. Then they provide their information like email and phone number and asked me to reach them if I have any query but never ever they answered my email and phone. Because of them my credit score goes down by 90 points and I didn't get credit card. 


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RBC thinks that it is okay to generate several withdrawals, at one time, bounce the pre-arranged debit, rather than decline a $2 charge, have their app present an incorrect balance available then charge $45 in nsf charges for the account being $1.71 overdrawn with funds readily available in the savings account. I checked the account on Monday and they did not issue an nsf charge until Tuesday evening. Then they refused to issue a waiver for the fee, stating I could have called in to have them transfer the funds, since I didn't they are entitled to the $45, which is higher than the $38 charge that they bounced. They are so sneaky and greedy, a billion dollar bank robbing clients blatantly. It's one thing if the entire account is empty but I have seen them move $$ between my accounts to satisfy their fees yet on this occasion they couldn't do that.


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I have a mortgage with RBC since 1999. In 2008 I lost my job and ran my credit cards up to 30,000. I then got another job and caught my mortgage up and was work on my cards getting paid off and then it happened. I wasn't paying fast enough so they start taking random amount of the account. I went to money mentors. They asked if I wanted to file bankruptcy or pay. I thought about it for a while and decided to pay. About three months after I noticed a bill for 168.00 coming out of my account. When I ask about it they said it was for a loan I took out. HOLD FRIGGIN ON. I'M TRYING TO GET OUT OF DEBT. I didn't take a loan out. 


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Updated on 01/12/2019: My account was hacked. I have had an ongoing issue of extremely bad customer service at RBC. On Dec 28 a company calling themselves Credit Resources took $20 out of my account. I reported the issue to RBC and went to the bank to fill out the form to get my money back. Jan 4 I finally got my money back. However this same company Credit Resources took $20 out of my account on Jan 4 Right after it was put back in. So I went back into the bank on January 4 and filled out yet another firm disputing the charge. Then started the process to close this account and open another account. Then on Saturday January 12 I discovered that yet again Credit Resources have tried to take $20 out of my account. 


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This is the worst bank in the world. You are not protected against fraud and they don't monitor transactions or accounts, they hold you responsible for any transaction and accounts, they are negligent and don't do their jobs. I was robbed 2000$ from my account and they said it's not their problem and make a police report. This bank endorses fraudsters with no punishment and blame the clients. Stay away from RBC. They say trust your bank don't worry and I got robbed now. I'm very worried. Can't trust this bank.


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RBC is the worst bank in Canada history, they charge service charge and if you do not pay it... Consumers are taken to collection agency, even if you try to make a settlement they refuses to accept it. What a disgusting set of people to deal with in RBC. RBC START TREATING YOUR CUSTOMERS FAIRLY, WHAT YOU'RE DOING IS WRONG!!!


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On Nov 4 my bank card was stolen which resulted in two individuals depositing empty envelopes and withdrawing money. With 8 transactions they managed to withdraw more than 2000$. I viewed pictures with the OPP and have no knowledge of who these people are. The OPP have pressed charges. After having numerous conversations with bank managers and the fraud department I have been informed that this money will not be refunded because I had given my pin number to my daughter in law in October (I suffer from depression and was not able to go to the bank that day). I was treated like a criminal by the staff at the Royal Bank.


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Fraud Department doesn't believe my claim of fraud, rude service - I called with a genuine claim that someone had spent over 500 CAD using my credit card. After about 15 minutes of being forwarded to 4 different agents, all of whom asked for the same information in order to access my account (absurd, especially after electronically giving card information that of course was asked again by each of the 4 agents). When I finally spoke to the final agent and after explaining my situation, the agent asked me to 'stop playing games' and whether or not I was the one who originally made the payment, way to give your client the benefit of the doubt. What kind of accusation and language is that?


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On Friday January 19th at 07:58 AM I made a $900.00 CASH deposit at the ATM at the Hurontario and County Court branch of RBC. At roughly 9:45 AM I realized I needed to take back $300.00 and attempted to withdraw it from the ATM only to be told that funds were not available. I went into the branch and spoke to a very condescending and dismissive teller to clearly hates her job and sees customers as a nuisance and was told that the funds "might" be available the following day. I called client services at the 800 number on the back of my client card and informed them of the ATM and unprofessional staff issues. Client services made all the right apologetic noises and assured me they would pass along my branch staff concerns and my funds would be available Saturday AM.


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Hi... I am so tired to calling for this bank. I was holding more than one hour around 9 pm on Thursday 11th. Today 1pm still holding for 45min 15th. They have to keep more customer service. This bank make good money. Why they can't keep more ppl. Service in bank takes also so slow. I tried so many RBC banks. Same issue. But when we go TD calls or services are the best. I have my business account is with you. Otherwise I never will keep you guys. Still holding... very poor service. If you ask 0 to 10 what rate... it should be 0.


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Customer service skills from representatives are far and few between. The suppose Royal Bank of Canada does not help or support long term customers with high credit ratings. They have no conflict resolution skills and hang up when being challenged in a respectful way because they are unresourceful. Super dissatisfied on a regular basis and will switching banks as soon as possible.


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We need put this word out there. Me and my wife were victims of a fail of duty/fraud of RBC employee when signed papers, without acknowledgement of being guarantors (only given last page to sign!). The bank now is suing us and is trying to take the only property our family has. We already escalate the problem to RBC customer care, however the employee responsible did not hear us out properly and ruled in favor of his employer (RBC). I would very much appreciated your input and help, for this sensitive time matter, as I believe only making this public, RBC would make the proper investigation looking properly into our proofs., RBC would make the proper investigation looking properly into our proofs.


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I had an appointment at Saddletowne Branch to check what's happening to my account. I usually received a voice mail regarding my account. When I called, the agent said, he couldn't give any information, I need to go to branch for security. During meeting with financial advisor (lady - punjabi name and couldn't remember the name because I was upset already to this staff) she's lazy to discuss the issue or not knowledgeable to the issue or somewhat she's doing something personal because I've notice she's still have some food on her mouth. And she's not interested to attend my concern. I will never come back to this branch.


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On Aug. 25, 2017, I deposited a company check into my personal line of credit. The teller said, "You can't deposit it into this account until the company check is clear." Then I told the teller to transfer the amount of money from my account to personal line of credit. She nodded. I have 2 accounts in RBC. They can transfer it easily. What's the use of depositing my money into my private account? There is no interest to pay me while I need to pay that higher interest for my personal line of credit. RBC took my money and still charged my interest. Very dishonest! Their purpose is to charge me more interest by refusing my company check to be deposited directly into my personal line of credit. I paid higher interest rate. Very disappointed and feel angry about such a case.


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I've been dealing with RBC for the past 8 years, doing everything with them, credit cards, chequing, savings etc. I deposited cash thru ATM, that is very usual for me, I rarely go inside, and I do have them immediately or in the next couple of days available to me. This time not only was different their timing is unacceptable! I did deposit a larger amount than usual (cash!!), totally understanding, I figure it will take them a couple of days to figured out, I actually had to call in to see what's going on with my funds, and they told me I had to go inside a branch to clear them!!


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I've been with RBC Visa since 1990 and had a good credit rating and a card with a very high credit limit. Despite this RBC decided because I had not used the card for a while to cancel it along with my line of credit. Didn't receive so much as a letter from them warning of this cancellation. Nothing! Called customer service and may as well have spoken to my dog for all the help I got. It's actually laughable because if you read RBC's website it says "RBC believes all issues can be resolved by using open communication" hahaha except they don't communicate with anyone. Another cracker is "It's equally important for us to know when there is a problem..." Wonderful, so they can do absolutely nothing about it. 


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I have an account with the organization. Went in to pay because the account was dormant. $265 for charge tried to out $150 to bring the account up. The customer service told me I have to pay the full amount... even the very last increase. And there is nothing she is able to do. There was no consideration that this was service charges, "Let's work out if the $150 will bring the account up to date." "NO SORRY, IT'S IN COLLECTION!!! CAN'T DO IT."


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I booked a hotel and I didn't like it, that's why I disputed the charge for only $170 and I went through all their complain procedures but no help, I just wasted my time. The bank doesn't mind paying 10 times of that amount for the lawyers and whoever was involved to investigate the issue, if you care about your finances avoid them please.


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Most of the people posting their experiences with RBC are familiar with my story. I have been a customer with RBC for 10 years now. I am retired on a permanent disability from the Ontario Government. RBC reviews my files from time to time and offer me credit products. They like to call me on the telephone or setup one of their "special buttons" by online banking. They say on the phone, "Hello, Mr. **, we are calling because you are such a "good customer." Great. RBC and I have a great rapport. My business relationship started in 2008 but, the business deals started in 2012. Once upon a time, RBC must have reviewed my file, I was raising my son who was starting high school. I called RBC because I was inquiring about a charge on my account. This was made easy because I signed up for online banking and I still have the letter RBC posted online welcoming to their online banking on February 17, 2008.


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It appears that RBC is not interested in further expanding their client base. If you are a non-client for RBC, don’t expect any type of professionalism from the branch staff. Common Sense and Reality: If the Branch staff treated non-clients with professionalism they could become potential clients. But apparently, the Branch staff lacks proper training and experience. Hence will be the downfall of RBC in terms of client services. The other banks are gaining a competitive edge in this area.


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RBC is by far the worst bank in Canada. I deposit money to many different Bank branches. RBC is the only bank that I literally need to give a blood sample to deposit money into someone's account. They always ask where the money came from, why am I giving the money and my name. No other bank that I deposit money into people's accounts am I ever treated like that. On a few occasions the person who has the Royal Bank account receives a call after I deposit the money and I'm talking about $500, $1,000 nothing over $1,000, and they say on the phone that this is suspicious activity and could be fraud. Just by simply making a deposit into someone else's account they judge it as a fraudulent activity.


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I have experienced worst customer service at RBC BRANCH LOCATED AT 101 MIDDLECOTE DR. AJAX ON L1T0K3. This morning I went to speak to a branch manager. His name is **. I waited for him to resolve a matter about my account. 20 mins and he came with a angry looking face and he did not even GREET AND INTRODUCE HIMSELF. NOT EVEN A HAND SHAKE. HE JUST CAME and hand over a paper and said, “We cant help you,” and walked off. Wow. I was shocked. What a service he has done as a manager. No greet. No introduction. Nothing and walking off. I am RBC client for almost 6 years and had visited all branches but never been treated this way. I hope this complaint will make a change in someone else life who will not face that man again.


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In Nov 2003 I called RBC to see someone about applying for a personal loan as I had just finished paying off a $10,000 loan with no late payments. When I arrived at the RBC and was sent in to see someone. She seemed to be shaking with anger. I wondered what on earth was bothering her. Sat down, she talked on the phone for several minutes, looked at me and said in her nastiest voice, "Did you write that cheque?" I assumed she was talking about my final payment cheque regarding my loan so I said yes. Then she said, "You won't be getting a loan from us again." Or something to that effect. I was shocked and thought you are thankfully not the only bank in town!


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I have had a terrible experience with RBC, they are uninformed and only do what is in their own self-interest. They charged me an annual fee for a credit card on top of my monthly account-fee, Then repeatedly told me they would remove the charge - after 2 weeks of continuous calls and wasted time, they conveniently told me to pay it myself from my account and had the nerve to ask me to increase my credit limit! Avoid this bank if you can, they do nothing for you and have the audacity to charge you for every little transaction! I will be switching as fast as possible.


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I am a customer of RBC for about 20 years. When I opened a chequing account with RBC it was no fee banking account. A year ago I noticed there was a 4 dollars monthly withdrawal. I went to the branch and found out the reason I was charged for the account fee. I was told that I had to use RBC credit card every three months, or the charge of account fee placed.


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It is obvious that the Royal Bank does not have their customer's best interest in mind judging by the awful customer support that they provide. Their workers have provided me with conflicting information each time I have called, not called me back (multiple times), and were unapologetic when I explained what was happening when I spoke to them. They don't deserve your money.


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I have an RBC account in Marsh Harbour, Abaco Bahamas. It is a savings account although it pays no interest. I no longer have a need for it and I have been attempting to close it, transferring the balance elsewhere, since February 2017, six months ago. It has, or had, about $1,200 in it. In the meantime, RBC have been helping themselves to my money! I have written three letters, made numerous phone calls and sent numerous e-mails. They claimed they did not get the letters. On their advice I then e-mailed a scanned copy of my signed letters. I was then told I would need to give them vocal authority. I did this. No action was taken. Since then, they have not answered my e-mails. They do not respond to voice messages left on their phone - which they almost never answer during working hours!


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I canceled and withdrew my investment accounts with RBC. Whilst my investment advisor was very helpful, the rest of the RBC interactions reflected a lack of interest in providing any customer support. Poor follow-up, poor response time and customer care. Once I withdrew my funds the service deteriorated further. Clearly the corporate culture is one of caring more for RBC than customer care. The myopic arrogance in this regards is sad to witness. I am now use a Credit Union - Far more customer focused and interested in providing a good service. Shame on RBC!


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Tried to contact RBC fraud department regarding an email I received from RBC regarding suspicious activity on the account and I needed to click on a link to verify it was/wasn't me. I didn't click the link and thought I would just contact the bank directly. I sent an email directly to RBC. Then after a few days with no response I called RBC and sat on hold for approx 90 minutes. The agent, who answered, then told me they do not send out fraud notifications with links to click on so it was a fraud. Why could they not have simply responded to my original email in a timely manner??? Complete waste of a few hours of my day. I bet you if I wanted to move my mortgage to RBC they would email/call back right away.


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We have been with Royal Bank for many years and had an amazing account manager. In fact we did not realize how amazing he was until he was promoted and we were provided with a new manager that we walked out on the first meeting. Her lack of response to our questions and lack of knowledge and ability to deal with our complex situation was shocking. 


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OMG! I cannot begin to describe the stress and upset I have experienced dealing with RBC US (Georgia) Bank in trying to get funds wired to a USA title company to complete a real estate transaction on our vacation home. Their instructions are incomplete on their website. I thought I had submitted all of the required documentation, and had in fact received a confirmation email from RBC. We had a deadline looming so I called RBC the same morning I requested the wire transfer and asked if all of the required documentation had been received. I was told the funds could take between 24 and 48 hours to reach the US title company. No problem I thought–I have 3 full days to meet the deadline. I check again the next day and the funds have not left my account. I check again at the 48-hour mark and funds are still sitting in my account. I call and learn this is NOT the correct process so now we are scrambling.


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I've been with RBC for just a month... and I don't have a single good experience. Unfortunately due to my pay cheques and other deposits that is coming, I have to wait until I have the chance to go to another bank. My first visit: I made clear to the advisor that I needed cheques. He said not to worry and he was going to order. 2 weeks after, I didn't get anything on the mail. I decided to go to the branch and double check. I found out that he never ordered the checks??


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Being a client of 38 years counts for nothing at RBC! I have been subjected to some of the worst customer experience ever over the past 2 weeks, and there is no one to talk to about this. Client care could care less! Clearly, this institution does not value my business and I am moving on! CIBC considers me a highly valued customer and extends every courtesy possible to make me feel valued. I can't wait to move all my business away from RBC. What a nightmare!


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They have a product promotion. I upgraded my account which is previously free. Then they make extra charge to my account for a previous month bill. It took me many tries and hours and hours communications for them to correct it. They are challenging my times. Customer who do not want to waste time will just let them charged. It is not the ethics that a business should have. If they refuse to apologize, I will publish their manager's name, so their senior management can know that.


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I was 19, self-employed and personal checks would take longer to clear so I requested visa checks for payment at the completion of the job. So I deposited to my RBC account while my funds were in process of clearing. I got loans from friends in meantime so my funds cleared and my account Said I had 12,500 in my available funds and it wouldn't allow me to access so I went into the bank to teller and she pulled me aside and demanded that I give her history of my account and I was 19, careless, on a roll. I didn't keep such records so I left and came back and asked to close my account and she told me my money was seized for her own suspicion that it was shady. I worked hard for that money and she took it and told me I was beat even though my funds were clear.


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I don't know how this is even legal. PLEASE ask questions about how the premiums are calculated and how your loan payments are applied. It appears that they charge interest on the premiums. Also, they cannot explain exactly how payments are applied to the balance - interest first? Insurance premium? Balance?


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RBC banking, takes advantage of their clients. They take advantage of their clients by charging money. I tried closing an account because of a rude employee and they charged me $777 for no reason. When I called I had to wait 25 mins to get a hold of a representative. This was my 4th time calling in less than a week and I was given no explanation but was told to call back before their collection agency called me.


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Ok so it's been over a year of RBC SPAM calling my cell phone under various phone numbers, like 10-20x a day, I block their numbers they find more numbers to call me from. THESE ** ARE ANNOYING. SO it all starts with one of their LAZY MORTGAGE REPS. I signed an agreement to purchase a house and passed on the contract to one of their mortgage reps in Halifax. The mortgage rep had 1 week to get the paperwork submitted to approve my mortgage application. I gave him the paperwork Saturday night, no reply from the RBC rep all day Monday, Tuesday, then Wednesday he calls me and says he's "almost complete my file". I told him he already had 5 days and time before that to work on my file, now I only have 3 days left to get the mortgage approved (this guy was a complete slack ** who never answered his phone or returned calls). I told him if he doesn't hurry up and do his job in a timely fashion, that I would lose the house.


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Well I don't even feel like a human being today. My mother passed away, I know I lost my best friend. She was a wonderful person who taught me right from wrong, to embrace my differences and above all to be honest. I'm aware these days that's rare, but I pride myself on my honesty. Well the issue of her medical bills and a add on funeral expense, not including food and other things, I've incurred. I go to the bank because still grieving I never took cash out of her account to cover everything.


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I've always been a great payer. I paid my bills on time and wanted to keep it that way. A few years back I got sick and lost my job. With only one paycheck coming in instead of two it made it difficult to continue being an outstanding payer. So we went to the Royal bank where we've been using for over 30 years. At that point our house was almost paid and the person who help us then told us that the best option was to remortgage the house and pay the car and play with what was left until I would be back on my feet health wise... so we did. Unfortunately, my health is not getting better and could not get a job. As the months became years payments were hard to do. We tried everything to get us out of it but it wasn't happening. We were paying the mortgage and the other bank payments but the credit cards were left out without some payments. 


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It's so messed up, the bank gives your details to a third party who will keep taking money from your account claiming it's for balance protection though to the best of my knowledge I did not approve it. Phoned the bank, they transferred me to a third person and talking to him was like talking to frozen 500lb rock. Very disappointing. Very frustrating.


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I recently went on a trip to Ecuador. My medicine was stolen. No problem, I have medical coverage from RBC that I paid for. Do not buy medical insurance from RBC as the only thing they would cover is a visit to the doctor. WHAT A JOKE THE RBC MEDICAL COVERAGE IS.


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I went to the branch to do a wire transfer but they said I can do it through online bank, I did the transfer but the money was never received by the recipient so I kept going to the bank but they said since I did online I have to call online banking. It been three months the recipient hasn't received the money, eventually I ask the bank to get my money back. They said they can't do that. I said can I do they I have to call the recipient bank myself or lose the money. I went to the branch I talked the recipient they put their bank in the fine and their bank confirm there is no wire that came in. This was done in front of financial advisers.


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If I can give RBC 0 stars I would do it. After being with RBC for more than 20 years, I’m fed up with this bank closing down all my accounts with them. Decided to switch my mortgage to RBC from another brokerage since all my business and personal accounts are with them thinking it would be easy to have all my accounts with one bank. They told me they can help me out a month before my renewal date and all they did was ask for documents after documents for almost 4 weeks, after submitting every single documents they required they decided to reject me. Now my renewal date is in a few days and I have to either negotiate with my old brokerage or switch it over to another. They pretty much wasted a lot of my time making me run back and forth for no reason. I decided that this is the last time I'm going to be dealing with RBC closing down all my accounts with them VISA, LOC, GIC, TFSA all my personal and business accounts and moving it to TD. 


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This is an institution that does not care about its customers. They are ruthless, uncaring and arrogant. DO NOT BANK HERE! I visited my home branch recently and requested a wire transfer of 4K to a Beneficiary in the United States. After I left the back the teller called and informed me that she sent the wire twice, in error. She sent $8,000.00 dollars when I had only authorized the transfer of $4,000.00. No problem, I thought. They will simply correct it. WRONG!!! The Beneficiary already received the money and has not responded to correspondence from his bank.


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Royal Bank of Canada repos my truck and lost 22000 thousand dollars at the same time and ruined my good credit. When they came Nov 29th or 30th I told them someone made a mistake. God makes a pencil we all make mistakes. l bought a 2006 Ford truck in March of 2008 from Belanger Ford. I bought disability insurance on the loan. It was 1411 dollars. I got sick Dec 2nd 2010 with major depression disorder. I will never work again. I was 43yrs old, wife, 4 kids, 2 with autism. I had to go off on short term 15 weeks disability. 


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First time dealing with Financial advisor at RBC. With all my trust, I let the advisor handle all the forms submit as he requested to do it for me, otherwise I would have done it myself in a timely manner. The forms were to get my other financial institution's bank accounts RRSP transferred to RBC. After 3 months of waiting with "no response from the other banks", I was fed up and talked to the other bank. During these 3 months, RBC advisor did not contact other bank, did not send any forms to the other bank. And asking for the original copy from the financial advisor was a pain. When I got to the branch and demand for a fix, the branch teller can only tell me, let have another Financial Advisor to contact you to fix this. The other financial advisor never called.


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So in a hurry (I have 4 kids) I missed the bank. So I deposited 2 cheques into the ATM. They were for small amounts ($210 & $105). The next day I went to sign into my mobile app and it wouldn't let me so I called customer service. I sat on hold for 20 min and then transferred 3 times. Then I was told that my account has been restricted and they can't tell me a reason why I have to go into a branch. So, I headed to the closest branch. I asked for the branch manager because I was upset and wanted answers. He said my account has been temporarily suspended by the fraud department. He called them on the phone, spoke to them for about 2 min and then hung up. He looked at me and said "You deposited cheques into the ATM until they clear your account is suspended. You will have to come back to the branch in 7 days and we will see what we can do."


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0 star if I could. I don't understand how this bank gets away hiking Visa rates from 11.99% to 19.99% in 1 month to teach me a lesson for being late once on my minimum payment (false - never even happened). After 30 years with this bank I'm ready to move on. A bitter disappointment. I had a mortgage, student loan, and other accounts that are all paid off. Now I will surely close my business account and move on. This bank is in the toilet. Stay away. They lack ethics and don't care about long-time customers. THIS BANK is what's wrong with this world. RBC is a hooligan institution. Ask yourself, when is the last time you made any money banking with these guys? Is that even a concept anymore? Monthly fees are outrages and always outweigh what you make back on any interest. Customer service is a joke. My kids can read better off of a transcript better than these monkeys. Better to keep your money in the dirt..


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Went to RBC branch in Mississauga trying to get a small line of credit, around $5,000. I have a mortgage with RBC with $300,000 in our home equity, above average household income, good credit, plus $115,000 sitting in my bank account. The "Financial Advisor" was condescending, basically making it seem like it is unlikely that RBC would even approve of the small LOC. Spent an hour in her office and left feeling humiliated like I never have before. The last straw was when she suggested to increase the chance of obtaining this small LOC I needed to deposit $5,000 of my own money and lock it as a GIC at RBC... um. What?! RBC opened up a credit card for me a few months ago without me even wanting it with no issue at all, the second I needed a small LOC all of the sudden became a huge issue.


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I have been banking with RBC for 17 plus years. Today called Visa call center. Spoke to GREG at Mountain. He was rude and wouldn't even get me a supervisor. I will cancel all my business with RBC as they don't know anything about customer care, does not even deserve one star.


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Disappointed in the customer service of RBC. "Mortgage Specialists" have a huge attitude towards middle income families and make you feel like they are doing you a favor by applying for a mortgage. My recommendation would be, find a different bank to deal with in the future. Change your bank before you need to apply for a mortgage here. Having equity, good size down payment, and average to good credit scores will not be enough for these superior beings. Look at credit unions as they seem to be the real future.


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The bank employee made a mistake which costed me $11,000. I complained to the bank, they investigated and came back to me with a story of all lies. The bank employee lied to avoid taking responsibility. I informed them it is all lies and they should review phone call records, they informed me that they don't record phone calls at the branch. Although whenever we call RBC it always says at the beginning this call will be recorded. Simply the bank steal our money thinking we are venerable. We now spending time looking for a lawyer to start a court proceeding. Avoid this bank at all costs. Very terrible experience.


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RBC has become an extremely frustrating bank to deal with. I have been a customer of RBC for over 40 years and a very satisfied customer until the last two year but have decided to switch banks after numerous issues with the bank over the last two years. The latest one being unable to get a refund on my safety deposit box after cancelling it. Three trips to the bank with no refund or phone as promised in each occasion.


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This bank charges you $20.00 to cash a check that was drawn from their bank if you do not have an account with them. It isn't enough that it is a payroll check and your employer does business with them. This is a complete RIP OFF!!! Will NEVER do business with them!


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I don't know where did they hire the no patience people for the first call on customer services. I had experiences with a bad representative this morning. She was no patience, not nice, mean to talk. She just cut off the phone when I was still talking. The phone number I've called is: 8007909130. I have never met people like this.


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The bank is always taking your money with no explanation, always check your account before purchasing anything, they play with your $, are rude, nasty, don't care about their customers, in order for them working less they force you to cancel your debit card. They know you need it and it takes over 7 business days to get a new one. You get charged for using the bank's ATM to withdraw $, check your account balance, get a print out receipt, even if the ATM charges no fee for withdraw. But the customer service takes the cake. Wow. This bank is trash, trash. This bank needs to be investigated like tD & Wells Fargo that had investigations & money refunded to the customers for them stealing from them.


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My mortgage was transferred to M&T and every person I have spoken seems to not know what they are talking about! Let's talk about the lack of tact when speaking to someone. Michael G and Pete was the absolute worst! Michael spoke over me, very loud and rude. I really hope they record their calls for customer service training, because HE really needs it. Pete was condescending and could care less, as though he was late for lunch. I hate that my loan is now with them.


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A day ago. NEW. I deposited a check with this bank for my closing for my new home that was gifted to me by my mother. This check has been in hold since 5/13. An official check from Chase!. They blocked my account so all my bill pay bounced back and now my car insurance had canceled. This bank is racist. They think I'm a thief when I'm just trying to purchase a home.


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Called Customer Service to verify the routing number for a wire transfer. This is a general question. Some banks have a routing numbers for their checking/savings accounts and a completely different routing number for wire transfers. Rep refused to give me the routing number.


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My loan was transferred them! Horrible experience so far! I hate this. I’ve had to call them 3 different times to have an analysis done because my payment increased when they took over my mortgage! 3 different times for something so simple. I’ve spoken to about 7 people and no one has any answers as to why my payment increased and is a different amount monthly! I keep getting the run around! Incompetence!


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Would like to say mandtbank is a horrible bank to deal with went to Golden mile in frederick md would to put my check in as cash wouldn't let me. Knowing I could I have had so many problems with mandtbank. It's horrible worst bank to deal with closing out your debt card and not even telling you horrible customer service. If you deal with mandtbank close out your account


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Terrible service from this bank/lender. The customer service lied to me repeatedly almost every single time I had to call them. Upon paying off our loan, even after the final payment was taken from my bank, M&T refused to give me any sort of proof of payoff. My access to the app and the website was removed "because the account was closed". Yet they refused to email me any proof of payoff. I was in the process of buying a new RV and trading the old one (we just paid off) in, and M&T made me wait 10 business days before they would snail-mail my proof of payoff. Then an issue that was partially my fault, I had forgotten to cancel my auto-pay from my bank. So after payoff, an additional payment was accidentally sent to M&T through ACH.


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DO NOT TRUST THIS BANK!! My PERSONAL and SECURED information was taken by M&T Bank employees (Genesee St, Utica, NY) and used for their personal gain. I have the proof and I’ve contacted M&T Bank twice to file a formal complaint and request an investigation. It has been a week already and NO ONE has even attempted to contact me regarding this matter.


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Do Not. I repeat … DO NOT BANK WITH THIS COMPANY! Ever since they have taking over People's United Bank it has been nothing but issues! Problems retrieving money, the tellers are all unprofessional and very rude! Take your money out and run!!!!


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Unhappy with customer service. Local bank unable to help resolve in person, so you have to call to ask why they offer no interest on money left in checking account, yet they charge $2/month for paper statement. They insist I do banking online, which is fine, but I like paper statement. Was a faithful People's customer for 23 years, and could always talk to a real person.


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Will transfer you ten 10 and yet will not get any help - ** customer service. Hung up on me. Done with it. Worst bank. People in United bank was the best!! Will definitely be switching my bank. No longer want any service with them.


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For the past several months, M&T has declined several of my debit card purchases for no reason. There is obviously a system issue that needs to be resolved, and this is extremely frustrating when trying to use debit cards. I have lost out on purchases, sales, tickets, etc due to this issue. I have filed multiple complaints with their fraud dept with no resolutions and future declined purchases. Unacceptable, and I will be changing banks as soon as I am able. Super frustrating since I’ve had them for years, and have several auto-deductions and direct deposit with them, but this is getting ridiculous.


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This company is unethical, unorganized, and has appalling customer service. They lost my electronic release of lien for my car loan and thus I haven't been able to retrieve me car's title for over 4 months now. Customer service hangs up on me repeatedly. This should be illegal.


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Where have all the M&T tellers gone? Doesn't matter which location in the Buffalo Southtowns you go to, there is always at least a 30 minute line. Two tellers, one of which is alternating with the drive thru traffic. What corporate dingbat decided commercial tellers no longer warrant a separate line? Now everyone gets to wait even longer than 30 minutes when both tellers are handling commercial business simultaneously. The last 3 months lines have been out the door no matter which location I visit. Hey M&T, our time is valuable too - way too many small local banks we can switch to.


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My mortgage was recently sold to M&T Bank, unfortunately. This was an investment property with me & 3 other people on the mortgage. *I had attempted to set up ACH payment via their mobile app but was unsuccessful (I ultimately had to do this via PC for those having the same trouble). I do take responsibility for missing a payment in the confusion (I should've checked the bank account to see that the money wasn't withdrawn but didn't). BUT, M&T claimed they tried to contact me about the late payment when they were actually calling a work number that isn't answered by any of the 4 of us directly, and the call was never received. They could've, and I'd argue "should've" called any 4 of the cell phone numbers associated with this account. 


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I am a disabled veteran who was recently awarded 100% disability, property tax exempt. After submitting all supporting paperwork, I was told 5 business days for an escrow analysis to be ran and the overage funds in escrow would be refunded. It has been 2 months with no resolution to date. Due to this company's negligence, I have faulted on my mortgage. I am saddened by the lack of integrity of this mortgage lender. This is the exact problem that needs fixing with how veterans of the United States are treated once discharged from service and are no longer of use.


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So I have a mortgage with M&T bank. Never been late once until somehow a payment bounced that I paid. Even though I got the notification that it went through from my bank. Went on with my life. Well I heard from them 32 days after my payment was due. Stating that my payment wasn’t paid. And I remember paying it. Look back in my emails. Had the verification of my payment went through. Then realized somehow it bounced so I paid it. Well they decided to put a 30 day late on my credit report. Even though they knew this wasn’t my fault. Causing my credit score to drop 100 points causing other issues in my insurance to cost more.


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Please watch out M&T bank closed out my credit card without me knowing saying because of a fraud alert. M&T bank didn't notify me about canceling my card. Until I try to use been having more issues with the bank. And thanks to them I lost a day of work so that's a day of pay for me. So please watch your account.


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This bank is shady, unethical, disorganized, and completely incompetent. Three months ago I accepted an offer on my house sale by a gentleman who is using this bank. Our original closing date was October 1st, they didn’t even order the appraisal to be completed until October 6th. It came back at 10k over my asking price and he was told that no repairs were needed because of that (it was an FHA Loan and the purchase agreement clearly states the property is being sold AS IS). They do not respond timely or at all to emails, and they do not offer updates. The buyer had to resubmit several forms several times to several different people because they apparently also do not communicate internally.


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On Sunday 10/09/2022 I contacted M&T bank formerly People's United Bank since they did not move any bank statements from People's United to their computer system and only have 60 days worth of transactions online to view. I asked for at least the last year's worth of statements. I received a message that the statements were ready but that was only for the month of October. So now I have Sept and Oct of 2022. So I called and spoke to a pleasant customer service rep who said she could not do a full year but could transfer me to a specialist who could probably help. 


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I recently took out a significant mortgage with the bank. I had a great experience until I opened a checking account and tried to access my mortgage and checking account online. I have not had access online to pay bills or access transfers or any other service for almost a month. The local bank tells me I have to call the 800 number. I have spent hours on hold and still those answering the phones are not able to fix the issue. I then resorted to calling the head quarter in Buffalo. Nothing. I do not understand how a success business can be run this way? I would not open an account with M&T because no one is empowered or trained to help you.


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Just "forced migrated" from People's. It takes M&T DAYS to post ACH payments. My credit card company posted my payment as received 9/30. Today, 10/4, M&T STILL hasn't deducted it. But they're "very sorry for the inconvenience."


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I called to lock my Home Equity Line of Credit. I have been waiting 32 minutes with no sign of the phone being picked up. This bank is a nightmare. Avoid like the plague. No matter how many times I call them, it is impossible to speak with a live person, and I can't use any automated services to get done what I need to do.


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Bill pay unable to change $ amount and frequency on existing established. System unavailable alert received every time, day or night. Ongoing issue since merger with Peoples United. Waited 40 mins for rep who was unable to assist. She suggested I cancel my current bill pays and start over. I have no desire to do that! Put on hold. I hung up after 23 mins of waiting. I’m soooo frustrated!!! I’m afraid to cancel current Bill Pay as I may encounter insurmountable issues to set up new Bill Pay. I understand there is always issues with mergers, but this too long and unsatisfactory. Ridiculous wait times!! M&T doesn’t even have a customer service email address.


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When People's United Bank was purchased my M&T Bank over a month ago, I have not been able to get into my account online. I keep getting locked out and have to go the bank to check my checking account balance. People's United Bank was soooo easy to log into and this one just keeps locking me out. Can never get to a rep by phone because it keeps hanging up on me. If I didn't have overdraft protection on this account, I would change bank in a heartbeat. So far I HATE THIS BANK.


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I have been on hold for over an hour the first call and an hour and a half during the second attempt. The first time with patience, I finally was transferred to a customer service representative. I need to get a title as we purchased a vehicle out of state and are trying to register it in our state. I was told that I need to request this in an email. They gave me an email address that bounced back. I was not able to get hold of someone the second attempt after being on hold for almost two hours.


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We purchased an RV and secured an installment loan through M&T bank. We scheduled payments through their app. Every single time the payment was scheduled, the bank would take out 2 payments even though only 1 was scheduled. We have called customer service several times and were assured that the payment would be reversed. The other problem is every payment we schedule was being reversed and they claim it was due to insufficient funds even though there was plenty in the account to cover the payment.  


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M&T Bank just bought People's Bank. My old bank. Since the takeover all old people's customers could not log into their accounts. Then customer service was so overloaded. They do not answer the 800 number even after 1 hr wait. I have read the scary reviews, I will be looking for a new bank toot sweet. Be afraid.


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I called the mortgage division about paying off my loan. They said that they could not email me the final statement but would mail it to me. The mail never arrived. I called them back 2 weeks later and the rep said they did not mail the statement, but did fax and email it to my M&T rep. (who later told me that's not true, he'd not received any info). At that point they said they actually could email it to me, but it would take 2-3 days. They also said I could just go to my local branch and close out there.


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Remediation Contractor here that provided services to a homeowner. The insurance company made the payable to the homeowner and M&T (mortgage co). M&T took the check 4 months ago and has still not dispersed any payments!!! All documentation has been provided multiple times. Every time the homeowner calls, they are told something different and need more paperwork. In over 10 years of business, I have never had a problem like this. I feel terrible for the homeowner!!


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Tried to get a 10 day payoff on my RV loan to give to the new owner's bank, new bank requires a paper copy, called M&T, after over an hour on hold, I finally spoke with someone who said they can't email me a copy of the statement, they would be glad to mail it to me in 3-5 days! It's 2022 folks, if you can't email a PDF statement to me, your bank doesn't deserve my business, not to mention the lengthy wait time to speak with anyone! Automated system is a joke, it asks for your account number, but won't accept anything you input. What a horrible customer service experience, glad I'm closing my account!!!!


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Just spoke to a supervisor who called me a liar. He told me I had only made 3 payments since opening my account in December. Shell oil is a monthly bill! M&T has had problems paying it for 7 months that's why their records show only 3 months, my January and February bills were not paid by m&t plus my Shell card was cancelled for the first time since the 1980s. I've had to pay shell $87 of late fees because m&t can't get a check, not even electronic payment on time and I mean a week before it's due. They blame everyone but themselves!


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I banked with M&T for 20+ years and I have extremely poor experiences with M&T. Everything to failure to provide a new card upon request after an old one expired, to consistent failure of the "online banking" website, to bank-to-bank transfers simply not working, to taking weeks of time and hours across multiple phone calls and branch visits simply to close a checking account. However, at this branch, senior relationship banker Yvonne ** went above and beyond for me in a fruitless effort to assist me with an issue that M&T's central system wouldn't permit her to remedy. She stayed past bank closing time, she bent over backwards to try to help me however she could. Other branch members were extremely friendly as well. It's not their fault that their bank's system/infrastructure is terrible.


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The bank blocked my online access for no clear reason. When I called the customer service the woman was very sassy with a condescending attitude. After the account was unblocked I told her I did not need her help anymore. She told me I had to change my login. I replied I would do it on my own. She insisted that I do that while she was on the line otherwise she would block my account again. She said my account was blocked because I traveled out of the country. The thing is that I traveled more than one month prior and returned and used my account daily with no problem. 30 days after I returned to my home city they blocked my account. Faulty software and sassy customer service. I do not recommend.


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Stupid staff and terrible experience. I plan to change the bank now. Would not recommend this bank. They need lots of improvement to continue their business. I will not return to this bank in future. Hate it.


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I have had a mortgage through M&T Bank since 2009. I refinanced in 2015. My property is a duplex with two separate tax parcel numbers. Annually for each tax parcel, county, local municipality and school district real estate taxes are due. This means that there are six separate payments each year. M&T withholds the total amount for all six payments. Every year since I have refinanced, M&T neglects to pay the local municipality taxes for one of the tax parcels. The other five payments are made in full. Each year, the local municipality sends me a letter that they aren't paid and that a lien will be placed on my property. Each year I spend hours on the phone with the taxing authority and M&T explaining the situation and trying in vain to have them correct it. Each year, someone from M&T assures me that the problem is corrected and that it will never happen again. Each year it happens again. This is the 7th year in a row that this has happened. 


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Awful, I have a car loan from M&T. I make my payments 2wks early like clockwork. Then out of the blue they reported 2 payments I made last year as late. This dropped my credit score 100 points. I have been unable to reach their customer service even though I have waited on hold for hours. M&T it's time for a management change, you can't blame your crappy service on Covid anymore. I will be looking for a new bank and an attorney.


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I opened account in M and T Bank last Monday. I logged into my Web account on Friday of the same week. I was not able to login pass the security questions. Called customer service said I can place a ticket or go into the bank and Close account and then reopen. They could not tell me when I would have a resolution. End of story! I asked if we can expedite, answer was NO. Big inconvenience not a good bank, poor customer service. Secu is a much better Bank.


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M&T bank's new automated system is horrendous. Doesn't understand the word "transactions". When it finally dies, Doesn't give the most recent ones, gives them from a month ago. Finally talked to a person said there's many complaints! Then do something about it!!


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Lost card, contacted support and had a replacement sent out. Received card and activated, problem is I cannot use the card because it seems my pin was reset also. Now I can't change the pin because the website, app, automated phone service won't allow me to sign in without my pin. A human has not been reached yet after days of trying to contact one. Not sure what really to do other than pull funds and close account.


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I just open up M&T Bank on March the 5th which is on a Saturday and I just receive a check from Bank of America for 99,999 dollars and when I deposited at an ATM like this Monday when I tried taking out money the lady said I had no money in my account so I called the m&t bank customer service and I explain to them what happened so I told them that my account has been investigate because the check that I got from Bank of America which I don't used anymore. So I ask them how will my account will stay investigate and they said they don't know. So honestly I had to close down m&t bank because honestly they accuse me of depositing fake check which is not true so they ask me where did I got the check from and I told them I got it from bank of america bill pay online and the lady ask me who give you this check and I told her i got it for my self. So I'm planning on closing M&T bank account.


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When we were purchasing our camper we were pre-approved through our bank. We decided last minute to go with M&T because it was similar interest and easier - the dealer was familiar with M&T and the M&T person told us we could pay this off early with no penalties...this is a lie. I have mailed 2 checks in towards principal only. They will only extend your next due date. They will not put extra towards the principal only. I called and an agent told me he would help get that fixed... Several months later it is still not fixed (my due date is now August of 2023 for my next payment). I called again and got an honest agent. He told me the truth... They are an interest first bank. You can pay extra but it won't help...you will still pay full interest. Don't use this bank. Go through your own bank or a company that is honest. We were overly eager to go the easy route...big mistake. They are extremely and purposely misleading!!!


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Complete garbage company. M&T Loss Draft department received my insurance check at my cost to mail for endorsement then supposedly endorsed and mailed back with Zero tracking and it got lost in the mail. Now I have to get another check and do it all over again to fix the damage to my home. Such a cluster of inefficient ignorance.


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On December 18, 2021, I had made 2 calls, which had resulted in two extensive holds of 1 hour & 54 min. total, w/ being able to talk with anyone from online banking. I had given up twice. It appeared that I had received a text from M & T stating that my online account had been suspended, due to suspicious activity. I had needed to see if the text was legit, etc., but had been unable to get through to them within a reasonable time. They waste my time, I bank elsewhere where I can feel that my money is safe.! They were not there for me when I had really needed to speak with them. There is too much competition out there for them to be treating their customers like this! They will not be given another opportunity to demonstrate their wanton disregard for their customers' time.


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Steer clear of M&T for your housing needs. Worst experience ever. Started our adventure of owning our forever home in June 2021. Our loan got changed not once or twice but 3 times. Lack of communication with loan officer. When we asked questions we were ignored or treated like we were annoying. Multiple copies of the same items had to be sent over and over again. When we were led to believe we were coming to a close something would always come up and then more waiting or more like avoiding. Well today is Dec 3 2021 6 months people!! And nothing. No house. No explanation. All they simply said was I didn't have enough assets when I had enough money for closing costs and mortgage. No explanation of what was needed. I wish I had a number to go by what in their eyes is enough money. Would not recommend for anything banking nor mortgage. This was truly the most horrific experience of my life.


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Recently, I have received check for 4825. The bank placed it on hold stating it was fraudulent. Very odd. Now my account is blocked and I can not do anything about it. Today, I have received a text that I have -4572. If the check was bad I should have a zero balance. I just do not understand them. Also hold time sucks on the phone too as well. They blame everything now on covid19. I am going to close account and I will try calling them again later today.


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When I try to pay my card online, I get a message saying that they don't have bank to bank transfers set up yet. When I call to pay it, I get cut off and told they can not go further with helping me because I didn't give the correct credit limit amount. I will end all business with this bank, too inconvenient.


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I spent an hour and 10 minutes trying to speak to someone at the bank today. I paid off my loan 2 days ago and was trying to get a receipt so I could show they received my funds. They refused and stated it wasn't their policy that I should receive something in 10 business days. I repeated, "You took my money correct." They replied yes. I replied, "I'm entitled to a receipt." They continued to refuse to help or care in any way. On top of taking an hour to reach someone and their website rarely working correctly I would encourage you to use a bank that cares about customers.


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I have been banking with M&T for a little over 3 years. I’ve been charged thousands of dollars in overdraft fees when at the time of the debit purchase the funds are available. I had a car payment setup for check which takes about 3-5 business days to post and at the time due to the debit transactions I was short 100 dollars which my app did not indicate. After the check posted they charged me 38.50 for every debit transactions that was made days before which made my balance lower to overdraft in the first place. I received over 10 fees in that pay period alone. I called and they offered me one. In theory from their response if the debit transactions were pending and did not post my check shouldn’t have cause an overdraft. In my opinion I should have only been charged for the actual transaction that overdraft the account. I let them get away with it for years, I am currently looking into doing something legally.


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I deposited $3000 in cash thru the drive thru and was questioned where I got it from? I have banked with them for 20 years and have three accounts! They acted as if I was a criminal depositing money into my acct.!!


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So I am now having to check my account every single day, and I do a screenshot because M&T have been gaslighting me, backdating transactions, and charging me exorbitant fees for years. They'll hold transactions in pending (for example, a transaction that came through today), but they will back date the charge as coming through the day before so they can overdraw your account (my direct deposit for my payroll is deposited every single Tuesday but they hold that in pending too). Then they charge $38.50 for each transaction they "bounce" thus bringing you further in arrears. This is shady and they have done it before. In fact, there was a class action lawsuit against them doing this before.


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Do not finance with M&T Bank for a car loan. The dealer got me financing through what they called their floor bank. I should have been taken notice of this word "Floor Bank" they used to describe the finance bank. It is one step off the floor. I don't even think it is that high, it's more like dirt floor. The first issue with the bank was trying to get my loan number. I called several times with vin number, SSN, address, date of birth, loan amount, but did not have the payment date. They wouldn't give me my loan number. On the 3rd call they finally gave me the number of my account so I could make payment. Now each time I called I was on hold for at least 15 min or more. Was extremely frustrated with the bank so far. I decided to pay off the loan in full.


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As a person who endured a life changing event. This had a negative impact on my credit. However, after opening up an M & T account. I then was able to borrow against my own money that I invested to rebuild my credit. The banking services are superior and have been great! Thanks to M & T the path to homeownership was made possible. You won’t be disappointed in their products and services.


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We had an insurance claim made and approved by our insurance company. They had to issue the check to me and M+T Bank. 6/2/2021 I sent the check as directed to their overnight address. Received a letter dated 6/10/2021 requesting a detailed work order from the shop who will do the repairs (even though I was never told initially that this was needed when sending in the check). Per Tracking, they received the WO on 7/9/2021 via mail overnight. 7/16/2021, was told they never received it (even though I have proof they did). I asked for a fax number and sent the WO and other documentation to them again. 7/23/2021 and 3 more calls I have no information on where the check is and why I haven't received it. UNACCEPTABLE! Never will I deal with M+T Bank again and once I receive the check, I will be getting a personal loan and pay M+T bank off ASAP!


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My husband and I bought our RV and were so excited about it until we began making payments with M&T Bank, which picked up the loan through the dealer. The payment was low, $220 or so, so in an attempt to pay the loan off quicker, we decided to make $300 monthly payments, assuming the additional $80 or so dollars was going to principal only payments. But, apparently, M&T does not do that, they take more interest and push your due date further out, not apply to principal. So, after 15 months of this nonsense, I paid off the loan in the amount of about $26k.


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I have had savings and checking accounts with M & T for years now. Lately, the service has gotten worse. Today it hit bottom. I have had paperless statements only for quite some time. Today I got a paper statement in the mail, and it was addressed to my spouse, who is NOT on this account, which is private. Why now? Try getting an email address to manage the issue? Forget it! Phone call to customer service- 20+ minutes wait, and I was cut off two times. Maybe the local branch manager's name to email? Cannot find the name anywhere! Online "other ways to connect"- nada.


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Do NOT use this company. I never write reviews but this needs to be said. I have an RV loan with this company and my monthly payment is less than $300/month.   I always pay between $300 and $500/month early.... NEVER LATE. I looked at my bill today just to check the balance and noticed that they applied my entire payment towards interest.  I called to ask why and they said because I paid my bill early the prior month and then later (AGAIN NOT LATE) the following month that the daily per diem took the extra money. WHAT!!! Was my payment late? No, but it still goes towards the daily per diem amount if you pay it early the prior month and then on time the following month.   


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I signed up with M&T online banking for a loan for my RV and I wanted to make payments online. You can make payments on their website or by mail. All my bills were being sent to my email but I couldn't get to my online account because I received errors for weeks at a time, with no resolution. Because of these online banking issues I missed the first two payments and it affected my credit score after they reported me. I asked them to remove as a courtesy since it was the first two payments and there was issues in getting the correct payment information but they said they can't.


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After we decided to close account, we found out that doesn't provide any means by electronic transfers to other banks. And very limiting amount by Zelle. After we requested the check by secure messaging on bank web, were told, that they don't accept such request. No they accepted such request by phone, even our phone and address they have on file. Bank asked for a notarized! letter, send by US postal service, Over one month passed, after M&T Bank receive such a later, but still no check was send! Bank branch is located too far from us, and bank is open only during day hours, when we are working, too.


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I have been with this bank for 7 years and never had any problems. About 4 years ago I had an overdraft and this bank did not charge me overdraft fee because the deposit had made prior to the overdraft did not show on the statement. However, the bank fixed the problem.


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I deposited $350 in the ATM machine inside M&T Bank. Received a receipt from the machine saying that the transaction was not completed due to an internal error. I called customer service. I offered to fax or email a copy of the receipt from their ATM machine to prove my claim. I was informed that a dispute will be started. I requested a credit for the amount I deposited until they process their dispute. That was declined even after talking to a manager (Zach). I requested the information needed to file a complaint. The manager asked me to contact customer service again. What? Or he will file the complaint? There should be someone to file a complaint to. How can a manager be unable to provide a customer with info about where to file a complaint in the company. Not sure how long to wait for my money to appear in my account and nobody to talk to except customer service who did not have the authority to credit my account (that what they said).


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Original mortgage was with Chase but got transferred/assumed by M&T. Since M&T took over we have seen 30+% increases in our mortgage payment. Every year there are escrow overages, despite having the same insurance provider. We pay the communicated "estimated overage to avoid rate increase" but they have been retaining the escrow overage for several months, still increasing the monthly rate and then hitting us with late fees for the difference. Calls to the customer service number result in 30-90 minute waits with no resolution and the customer service representatives seem unable to access current information and/or resolve issues.


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My house loan was with Chase. Never had any issues. Chase sold my loan to M&T Bank. Horrible from the get go. I get bills 2 months away. My checks don't get processed. They simply do not have it together. Next to impossible to get any answers and their website is weak. I would not chose to do any banking with M&T.


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Beware! M&T Bank touts "Automated Phone Service," but when I called in I had to give my full bank account no. to a rude stranger or risk being late. M&T is in Baltimore, so "no" postal service "due to covid," I was told, which means my snail mail check payment was late, and w/out notice M&T sent to credit reporting agencies, thus damaging my 822 score by 100 pts. I'd never use them again. Suggest due diligence before borrowing.


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We had our Mortgage with Wells Fargo and enjoyed visiting Branches to make payments and ask questions. Then Wells Fargo sold Mortgages to M&T Bank who has no branch in our city. Whenever we call we are sent to different departments and after a half hour we are still without an answer. On January 1st of 2021 we mailed checks to three places. Two were cashed normally. M&T waited Until the end of January and then assessed a late charge. I made a online payment of the January payment and the next day I did the same for the February Payment.


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Attempted to do a refinance with my current mortgage company M&T Bank to streamline the process. I had a great start so I thought with the refinance guy chris whom disclosed most of the fees and made it all sound good. Chris called me back and offered me an appraisal waiver, lower interest than initial discussion as a voicemail I still have and advised I only would have to pull out of pocket 55 dollars to fully refinance my house. I never asked for anything special this was just offered to me and I was ecstatic. 


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The M&T website is outdated and even the simpliest things, like setting up automatic payments, are difficult. When my bank had trouble with a missing check sent to M&T, my bank couldn't even reach anyone on the phone. I did get a customer service person once, but when I asked questions about how interest was being figured, she seemed confused and couldn't really help much. When I requested a pay-off statement for my loan I was told it would be faxed in 24-36 hours... And it still hasn't come. My advice to anyone is to avoid this bank. There are much better options out there.


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Have had a truck loan for 4 years and never missed a payment. My real bank (Citizens) automatically send a check 14th of every month. December check did not get cashed until January 13th and January check cashed the 15th so I know they go out. Of course they charged me a $12 late fee, but did not let me know about it other than posting to my account. Have been trying for 2 weeks to get ahold of anyone there. Phone lines busy, online chat not available, so emailed. Finally got a reply that basically said they are understaffed and too bad. WORST BANK EVER.


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Our loan was bought by M&T Bank after Wells Fargo approved our remodification. From day one we had our payment set to auto-draft from our checking account prior to the due date, yet each month would receive a statement saying we still owed over $1600. Each month we would call and were told it was an error, to pay the regular payment amount, and to disregard the erroneous balance due. I NEVER made a late payment with this company. Not one single time. Setting up our online account took months, and setting up auto draft took months. 


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They keep posted funds from the state unemployment insurance when it has been released. They also kept me on hold for 10 minutes to get an appointment to open a business account and ended up having to call me back. They never called back. Overall experience with this bank has been terrible.


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On 1/5/2021 I called because of charges that didn't make on my account, one she didnt flag all transactions and the order operations to help got messed up. She advised me to cancel my card and then transfer the money in another account I had at another bank using Zelle. Once I did that it wouldn't work because the amount needed approval, I got a supervisor name Tammy and she approved it and told me wait 20 mins. Didn't work! I have spoke to A Robert, Andy and Michael. I can't even log into my account to do a transfer of funds and I have bills coming up and I was told this is a tech issue and it SHOULD be taken care of by the end of this week. 


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The worst customer service ever. IVR does not work. After waiting for 20 minutes, system hangs up and states, cannot take call due to heavy call volume. Goodbye. First day I waited 25 minutes, finally got someone who stated they would fax document to title company. Told me to call back later in afternoon to check. I called no fewer than 10 times and continued to get hung up on by the IVR. Next day, after trying 6 times on IVR was finally placed another 20 minute hold and then "cannot take call due to heavy call volume"... click.... This is not acceptable for a bank as large as M&T. Hire more people if necessary and by all means, fix the IVR or hire another vendor to perform this service.


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We have been customers of M&T mortgage for many years since our old company sold our mortgage to them. Tried to refinance simply to get a lower interest rate back in August of 2020. Had the same experience as others. We were strung along for many months, had all of our paperwork in. My husband and I emailed and called regularly, heard the agent that sold us the loan no longer worked there. Finally after many months of no response we were notified that our loan was denied for no apparent reason. It is 3 days before Christmas so now we have to keep paying them with our higher rate for at least another few months while we go through this whole process with another company. They are irresponsible, unreliable, and are not forthcoming with customers. I won’t be surprised if they are in over their heads and out of business in a few years. Can’t stress enough how bad the service is.


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There was a good time to refinance our home. I, like many others understand the “COVID” back-log of things. I get it. However, one can assume a typical refinance is between 2-4 months? Right? We began ours IN March. Sent everything they needed the last day of March-that Friday. Patience is a virtue. After some time waiting we got the “COVID reason”. Okay waited some more.. Still the “COVID”. Gave it some more time. Couldn’t get a hold of anyone through email nor phone for 2 weeks from there. Finally talked to someone to come to find out our agent doesn’t work there any longer. OK New Agent. Needs all the paperwork again. Really? Some more time waiting.. Granted at this point we’re about 4 months into this. Waiting. Waiting. Waiting. Try to reach out and wouldn’t you know. THAT person has moved on. 


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RE: credit card. I have an M&T Credit card, just got it thinking it would be easier to use my credit card for online purchases instead of my debit card. It's not a bad credit card actually, pretty decent rate compared other cards with high rates. It's just difficult to reach customer service if you have a dispute. You are on hold a very long time before anyone actually picks up. Same way with the banking side. With my other cards if I have any issues, someone picks up pretty quickly. Also important to note that if you do have a dispute, like I did with a company that never sent a product, but charged my account- M&T's policy is up to 60 days before you will see the charge reversed, which I think is a bit ridiculous as my other card has resolved any disputes within a much shorter time. All in all M&T is not on the top of my list for banks to deal with if you are someone use to better service and quicker response times.


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We had our 30 year mortgage for 10 years when Hurricanes Laura AND Delta hit us. After tarping our entire roof in 1000 degree heat & living off generators for a month to run the AC inside to minimize Sheetrock damage & then putting 12K on a credit card to pay for a roof just so it would stop raining in our house...this lender STILL refused to release any of the insurance funds for repairs. They wouldn't even reimburse us the roof. Said they would only release funds once 100% of repairs were completed. How exactly do they expect people to afford repairs from 2 BACK TO BACK hurricanes when they are holding every penny of the money insurance paid out that was meant to make those repairs?!?


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Loan 9/26/2020 through Camping World where we told we could not pay this off for 7 months even though the contract said we could. Borrowed 23,767,95 at 6.74% interest (which is robbery) but we agreed on it because we were gonna pay this off quickly. No account number was available after 2 calls to M & T. in week 1 and week 2. Finally in week 3 a man at M & T Bank (didn't get his name) gives me an account # and P. O. Box to mail payment. I mailed this payment of $17,000 to this P. O. Box in Baltimore 10/17/2020. Around 10/22 or 10/23 I received a Loan statement with 1st Payment due 10/26/2020. I checked my bank account and the $17,000 never cleared the bank. 10/26/2020 it still hadn't cleared so I called M & T Bank around 10AM.


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Note from insurance dept. Deductible of homeowner policy not to exceed maximum of 5% of policy coverage. Present deductible is 4%. Customer service not able to clarify. Verbal contact with insurance dept next to impossible within a reasonable amount of time. Questionable ethical considerations here.


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I have banked here for 25 years but suddenly every time I use Zelle I get blocked and receive a dumb email about suspicious activity. Yesterday they blocked me from ordering online think! I have called them multiple times and they always override it but now say they can't. I think M&T continuously blocking my zelle contractions while simultaneously encouraging its use and then refusing to override the security block is suspicious activity. I work two full time jobs and I resent M&T holding my money hostage and am taking my business elsewhere and will be closing all my accounts with M&T very soon.


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Generally I am satisfied other than not processing my direct retirement deposit immediately. Other deductions taken from this payment with other institutions are done immediately. This is a Federal payment which should not have any "hold" on it. If the established deposit date is a weekend or holiday The deposit is not shown until the next business day.


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Well first of all, they never communicated with me at all on initial loan. I had to call them to find out how and when my invoices would come to me. When I called them they were rude and very cold. Also could not give me a straight answer. The loan it self is confusing. I have had numerous home, auto, boat, jet ski and travel trailer loans and I have never seen this one set up the way it is. There is no consistency at all on how the interest and principal is charged. Now this being my second travel trailer, my other creditor that was used, charged the same interest monthly and as the principal went down so did the interest slightly.


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They screwed up and said payment was not there so we stopped payment on check and made another one. 1:36 am the check clears and they are now holding the extra payment hostage knowing I need meds and groceries. They are lying pieces of work. They now are going to make me wait another week to get funds because they are sending check by mail instead of putting it in my account. They know I need that for my medicine and groceries. Been a week without medication and now no groceries. I have never been late 9n payment in 5 yrs and they act like I am a thief. They are heartless, lying people.


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I paid off my RV ($205,000) loan, and check was cashed three weeks ago. I still haven't received my title yet. Have called various numbers and customer service, always on wait for 15-30 minutes and can get no answers from anyone as to the status of my title. Very poor customer service. They sure jump on you though if your payment arrives a day late.


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This is not a bank, it's a time machine that sends you back to the 19th century. You cannot do anything online, you cannot even PAY your credit card if you don't have a checking account with them, you have to mail a check, and this is 2020, "digital age", not for them apparently! Then, try to look up your statements online, again, no luck, you have to "request them" if they are 3 months, really, only 90 day record shown online, for others they have to fire up the printers and mail papers to you. Also, customer service folks are instructed to give absolutely nothing back, even after you request pandemic HELP, that they openly advertise, but if you ask about it, they tell you to go in DEFAULT and then, they will "see" what they can do to "help" you.


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I went through the outside teller lane, as required, to deposit $3,000. Was provided a receipt for $2,100. Disputed this and was told throughout the day that all the records were correct and that there was no evidence of the “extra” $900. My husband and I were complaining while in the care waiting twenty minutes for a teller and firmly believe he heard us. We believe there is “no evidence” because the money never made it through to be counted and disappeared in a matter of three minutes after sending it through to the teller. Situation remains unresolved. Reaching out to the regional manager and also visited the local police. Will keep on this until it is resolved and will close my account immediately following. Be very, very careful! With Covid-19 you cannot be in front of the teller when your money is counted and you may be taken advantage of.


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It is now the 18th of June, 2020 and the branch I frequent is still not permitting customers in the lobby! The drive-through lines are RIDICULOUS! And closing the branch at 3:00 on a Friday in recognition of Juneteenth—how is that going to change people’s beliefs and values? So weary of various institutions making decisions based on their beliefs and agendas impacting my life and my business. This is not good customer service to those who have been long time customers.


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In the current environment I have to make an appointment to enter the branch, that's fine. I made an appointment for 1pm on a Friday. I arrived on time and there was already someone in the branch. I told security I had an appointment. An employee came to the door and spoke to me through the glass, which I couldn't hear. Since we were both wearing masks this seemed unnecessary and inconsiderate. Once she opened the door she explained that only one person at a time could be in the branch. I asked if I could sit on a chair in the waiting area, which was at least 10 ft away from any office or the teller line, and was told no. So instead, I waited past my appointment time, in the vestibule, less than 3 feet from customers who came in to use the ATM. 


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I pay extra every month and they will not put it toward the principal as promised. The interest keeps going up. I called and they wouldn't give me the payoff amount. I am currently trying to reach officers with more authority.


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Ok so a little back story, I started a construction corporation with my husband and made him 70% owner for minority business purposes. Anyway I handled all the business financials. I got along great with the people in the branch near our business. So great that I thought they understood my unique situation. Not so. One day I took the kids and fled for my life and am now in a state that has no M&T Bank and no crazy man. My ex was somehow able to remove me from financial point of contact on the business accounts and changed the passwords to log on. In other words restricted my access. The bank never asked me if this was ok! 


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I fell behind one payment in January (mail fraud). Agreed to make payments to catch up. Have been paying extra doing so for 3 months. During Covid, today I attempted to make my monthly payment with extra like I always do. The rep told me today, "I cannot take your partial payments, you need to pay in full or I can't take it all." I said to her, "Miss, you mean that I cannot pay my Mortgage because you cannot take extra, I have been doing this for 3 months." She said that is correct. So now my mortgage is late, my past due is late, they repeatedly charge late fees and Overage fees for a known M&T mail fraud scandal that was noted on my account. I just went on the website and paid my monthly mortgage, there is no option for partial payments, now I am going to the bank to have them place my monthly overage in the balance. This has been the worst experience of my life to pay someone, all while dealing with the stress of Covid-19.


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M&T helped me refinance when Bank of America was involved in fraudulent behavior. I became ill and needed to refinance. BOA continued to lose my paperwork and eventually sold my loan to M&T. I was as able to refinance upon my first submission of the paperwork.


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Easy process. Always someone knowledgeable to talk to. When I wanted to draft my full payment in half they made it very easy. Overall easy to do mortgage business with them. I also had to do a loan modification with them and they made that super easy as well.


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I had taken my son to a doctor's appointment and when I went to make the co-payment for the visit, my card was declined. I used another card, but I knew I should have enough in my account to cover a $25.00 co-pay. I checked my account online and my balance was minus $1,309.00. That's NEGATIVE $1,309.00. I made 2 mortgage payments on Friday 02/21/20, and those idiots charged me for FOUR PAYMENTS!!! I'm still livid even though I've asked my bank to stop payment on these transactions.  


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On January 7, 2020 afternoon I arrived at M&T Bank to cash a check from my employer. I waited in line patiently to be soon be called on. The service associate informs me that she can assist me. I inform her that I would like to cash my check and provided her my identification card and check. The service associates take my check and begin processing it (at least I thought). I noticed that the service associate was very quiet, not communicating and flicking through her computer screen as if she was trying to find something.


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The detailed complaint has been published with the Better Business Bureau. In general, they mishandled an invoice from my insurance company and then purchased lender placed insurance on my behalf without informing me. They claimed they didn't receive an invoice even though I showed them a letter from my insurance company correctly addressed with roughly 70 other customers who had their portion of the invoice taken care of. They then claimed they sent me notification by mail that I was going to lapse in coverage, which I never received. So basically, them "proving" they sent a letter by showing you a copy of a printout suffices when they need it to, but you showing them a printout of a letter addressed to them is not good enough when it doesn't benefit them. They charged me and went about their day after me trying to resolve the issue through multiple avenues. Avoid them as best as you possibly can.


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Stay AWAY from this bank!!!! The worst experience in refinancing. 3 months, rate went up from 3.5% to 4%. Closing cost doubled!!!!  All this with credit score over 820. Refinancing current loan with the same bank. Run away!!!!


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James ** that heads the retention department and Cathy ** who heads asset department have placed a repossession on my credit. They picked up my car without my consent when all the payments are current and I have never missed a single payment. Account is still current and I can never get anyone to respond to my call. Also they refuse to give me their emails and never give me the bank statements. This is the worst experience I have ever had in my entire life. Currently am still looking to see who in the bank to report this customer abuse but I cannot reach anyone.


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Absolutely the worst bank we ever had to deal with. Too much to write in a few sentences but everything from their billing practices, payments and even customer service. Would never EVER use them again. Switching our car loan as we speak.


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We had someone use my husband's bank card to order items from various companies. We contacted the bank when the charges were still pending to report they were fraudulent. This was a Sunday. On Monday my husband contacted the companies and three of them were able to contact their delivery company and recall the packages. The fourth never processed the order because something about it set off their fraud alert. This totaled over $900. The company that did not process the order did not charge our account. The other three companies have confirmed they have spoken to M&T and verified they have their items. None of these charges went beyond pending. 


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This is the worst bank ever. The mortgage modification process has been incredibly frustrating and abusive. Nobody should have to go through what I went through and they still don't have it right. These little creeps sit in their offices collecting their paychecks and drive people crazy with unprecedented levels of incompetence. Excessive hold times, transfer after transfer, lack of organization, nothing ever confirmed in writing, changes to the amounts due, additions to the principal, escrow amounts unclear, asking for the same paperwork repeatedly. A total nightmare. Moreover, when I filed the paperwork they denied me within one week. When I retained an attorney, she submitted the same papers and they approved the loan. I have just filed a complaint with the Banking Department.


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I have been banking with M&T bank since 2000. Recently, M&T Bank has required disclosure of detailed personal information from its customers. The reps from the bank tell customers that it's a requirement under Federal Law to disclose this information to the bank. If the customer does not provide this detailed disclosure of personal information, the bank UNILATERALLY freezes the customer's funds and assets.


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I am aware that mortgage companies have protocols they  follow, but I believe common sense should trump protocols in certain cases. My home is in pre foreclosure (I lost my job and got 4 months behind). I finally decided to sell the home when I could not come up with the 12,000+ to get caught up on payments, as I have/had a substantial amount of equity in the home (80k). M&T Bank will not even consider postponing the foreclosure auction date by one week, even though I have received an above market value offer on my home through a real estate agent. Because of ”protocols”, M&T will now lose money (auction vs. full loan payoff), my family of 5 will lose all the equity we have in the home, and I will have a foreclosure on my credit.


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I opened my account online October 22, 2019. Today is Nov 26, 2019. As of today, my account has been open for 1month and 4 days. Prior to opening my account online I was asked to deposit $25 at the branch or transfer it from my other account which is with another bank. Since then I have transferred all of my money from that bank account that I used to bank with to M&T. In addition to closing out my other account M&T has caused me so much financial problems, cause my credit score to drop because of negligence from the security department. 


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I decided to finally open an account at M&T due to a branch being close to my home and me always visiting the branch to cash my employment checks. I received my banking card around last month and ever since I received it I have had issues with the card due to the chip not working and most stores not having the tap to pay system. Most recently every time I used my card it would be reported as a suspicious activity. I made a recent deposit and went back to get cash out and my payment was declined. I tried to cash app my daughter who is in college and again declined. Money was in my account but it was again reported as suspicious. 


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My commercial loan was up for a renewal. Chris from M and T did the loan. After the closing costs of $2,483.50 Chris said the payment would be $2,612.29 debited from our checking account each month. Mind you this is a 5 year renewal and would be the end of the loan after that period. I received my 1st statement and the amount to be debited was $3,830.36 so I called him and questioned it. He replied, "Oh that's not right. Let me check into it." Then he was out on leave and never got back to me, so I called the manager of the Cherry Hill N.J. branch Frank and he said he will look into it. Finds out Chris never spoke or disclosed to us that the taxes and insurance had to be added to that. Well $1,200.00 is a big chunk of money not to disclose to us.


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I am a person that lives paycheck to paycheck. M&T is allowing funds to come out of my account when I asked them not to. In addition charging a $38+ Insufficient fund fee for money I specifically told them not to take out. It doesn’t take a college graduate to figure out that if it isn’t there then there is no money to pay out. Them doing this is going to cause a chain reaction of other problem. This is theft in my eyes. Way to think about the consumers M&T NOT!!!!


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M&T has provided me with an option to apply for a loan modification which I did & continuously followed up. I call them all the time to get a status & make sure they have all they need because they told me they will be in touch with me at least every other day & have not. I have now been told 8 different stories & there is no consistency. In addition they took my own money sitting in a suspense account & that was an overpayment and my money to be used toward a payment.


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The customer service department is horrible and the thief defense department is worse. Nobody is up on their job. It took 2 to 3 days for them to make me aware of suspicious transactions on my card and if I didn't call them call I would not of known. There is no consistency in the work effort of this company and I will never bank with them again. I closed my account after 2 months.


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I applied for a mortgage modification and submitted all the correct paperwork. I was denied in less than a week. I retained an attorney who submitted the same paperwork and I was approved. Payments were determined and I have paid according to schedule. There is a three month trial period and every month I get a threatening letter that I am overdue. They also were supposed to pay my homeowner's insurance and did not. I've spent the equivalent of months on the phone straightening out their SNAFUS. Their answer is the letters are "computer generated." What do I do when the computer generates a foreclosure letter? This bank is horrible.


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M&T bank lost $ 53,000 when they wired my money to another bank for a loan payoff. After calling many times to correct this issue they refused to even look at the matter. Thinking the loan was paid I stopped making the payments only to find out three mos later it wasn’t in which destroyed my credit rating. Beware! Corruption is their game.


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My loan was transferred months ago to M&T bank by Wells Fargo. M&T bank only has east coast hours and east coast locations. I have been trying to work with them and they are impossible. I pay on time every month and they claim it late every month. I have proof from my bank yet M&T refuses to acknowledge my payments are made on time. I have seen numerous complaints with this exact same scenario. This is how they operate. Wells Fargo was wrong for transferring any loans to them. Neither party will admit they were wrong and the customers are the ones paying for it.


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I have a acct with M&T Bank. I wrote a personal check to someone and Even tho I have a acct they charged the person 20% that doesn't have a acct but my check is thru them. Then they told the person they had to come inside to cash the check even when they provided her ID So the person had to drive out the drive thru park go into the branch Just for them to hand her her $. Now I don't know about anybody else but M&T Bank is making $ off of people that has a acct there if they write personal checks. I have a acct in Cambridge MD and I'm very disappointed And I wonder if other M&T customers know about this. If they don't they will now...


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Pls do not bother yourself to accept M&T's pre-approval 0% $150 cash bonus credit card offer. M&T's credit card online platform is the worst outdated n inconvenient site I've ever seen:


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We tried to move our IRA to another bank and they had us fill out a form, notarize and mail it in in their self addressed envelope. They then claim that they did not receive it and rolled over the account into another year at 0% interest. We have called several times and spoken with rude agents who insist it was not received. They did it intentionally to keep the money and not allow us to move it.


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I called to speak with a refinance agent on Friday. I was told I would receive a call in 1 business day. Unfortunately it was 2. After speaking with Karen this morning, she was going to call back at 4pm after I had all my paperwork. She failed to call. I have an interest rate of 8.375%. Nice to see they care about veterans way less than a civilian.


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I have tried to open an account for the first time with them and have direct deposited 4 checks into the account. Now when I try to use it they are demanding documents and claiming I have not sent to them after having their own bank managers fax it to them. It has been a disorganized untruthful mess from the get go and based on my experience so far I highly doubt they are going voluntarily compensate for fees I will accumulate based on their lack of diligence.


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I contact the number 18007246224 to ask question about my mortgage that was transferred from Wells Fargo to M&T Bank. The guys did not let me talk and hang up on me. I kept on calling and he wouldn't answer my calls... This is so upsetting. How can I have my mortgage with a bank that does not care about their customers concerns!!!! If I could give -10 Stars I Would. Oh Wait I just did!!!


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This bank is the worst. First their online bill pay goes down for over a month, then we call them. They want an additional $8.00 for a convenience fee to pay them over the phone. After we pay they didn’t process the payment till it was past due. Thank you for being the worse bank ever and for making us look like we don’t pay on time. We have never been late on a payment for anything, and you all just ruined our credit.


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I’m in the process of selling my home, and was curious as to whether the payoff would be more or less than my account balance. I called the mortgage dept. at M&T with this question. I was told that I could get my exact payoff for no charge. The rep. gave me my payoff and said she would also mail me the payoff. I told her that it wouldn’t be necessary since she gave it to me over the phone, and that the sale of the house was still a month away, and I was just curious. She stated she had to mail me the payoff, as well as the verbal over the phone. 


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When I purchased my home the mortgage was through Starkey and about a year then it was sold to Wells Fargo. Wells Fargo had our mortgage for probably another year before it was sold to M&T. Never had a problem with escrow or anything else until M&T came into the picture. A month after the transfer, which I had no say in, I was getting letters saying my escrow was short by $4,000. My total escrow was less than $4,000. I let them know I would have to split up the payments but they won't accept split payments. 


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I had my mortgage with Wells Fargo. I was very satisfied with Wells Fargo service. My mortgage was sold to M&T Bank. M&T Bank sent a letter saying my hazard insurance was expired and they buy insurance for my house, which is significantly more expensive than insurance I can buy myself. They supposed to communicate with my insurance company similar with Wells Fargo was doing. They wrote a letter one day after my insurance was expired and I received the letter two weeks after they wrote the letter. I was extremely upset about their communication and how sub rate Bank and be different with Wells Fargo. I do not like this bank. Never had an issue with Wells Fargo. If you mortgage is sold to M&T Bank, please be careful about the insurance transformation.


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They said that they'd reimburse me. Then they said "No"!!! I am a long time customer of this bank, and to be treated this way is disgusting!!!! I lost over $600 in a scam, and the bank scammed me, too!! I should get my money back!!!


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This bank, M&T, has got to be the absolutely WORST banking experience EVER. My son has an SSI account. These people continually charge his account for a disabled person huge fees so that his account is overdrawn every month. This is ILLEGAL and dishonest to say the least. I have attempted over MONTHS, not days, to correct this issue. They don’t want to. As soon as I am able I will be moving his account elsewhere. Complete and TOTAL NIGHTMARE of a company.


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Large bank with a home town feel. Very personable, professional and friendly. They have made recommendations for me and my accounts that I have with them. They also do excellent follow-up on any questions you have about your accounts.


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Teller was rude, she seemed very annoyed. I get that you could have a bad day but please leave your nasty attitude at the door when you come to work. I'm surprised that I kept my cool throughout the entire process.


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Customer service is very much lacking in current processes, I am in active bankruptcy and there is no option for a BI-weekly payment for me due to that, even though the mortgage is not and I stress not a part of my bankruptcy. I am treated as second rate customer not worthy of value. I have reached out to the bankruptcy department to leave numerous voicemail messages and zero callbacks from them. To set the record straight, I did not acquire my mortgage through M&T Bank but was a victim of a sell from well known Wells Fargo (Who at least did do the bi-weekly payments), with a promise that all would be seamless, well it is not. 


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If I could give ZERO stars I would!!! This makes no sense at all how they have an A+ with BBB. They must pay BBB for this rating. It's obvious by reading these reviews that an A++ is unachievable for this firm. This is a miserable company. Forced into a mortgage with them many years ago. Every year their representation gets worse and worse. 2019 they have hit rock bottom on customer service. M&T Bank fraudulently filed foreclosure on one of my properties after they wouldn't accept payment due to their 'systems being down'. 


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Chase sold my mortgage to M&T Bank. This bank does not have any branches west of the Appalachian Mts. So if you live in 3/4 of the rest of the country, you can only bank online. Their online banking system is misleading and only has a sparse amount of information you would find on any other banks online banking. My main problem is I have been trying to pay my mortgage for 2 month now without any luck. I even opened a checking account to put the funds into for easier payments. This has not been the case, I have made several mortgage transactions online that I received a confirmation of the payment, only to find out that the payment was not made.


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So previous we wrote on how back dealing with these people at M&T Bank especially the Parsippany NJ branch. From day 1 we began to get so suspicious of their actions that it didn't take us long that we demanded our bank accounts closed. They have a scam that will "blackmail you" into and is that you'll get hit with a fee if you close your account within 6 months of opening it. Never heard this from any bank around so that's one reason why you should steer clear of them. Did not give them any information regarding email addresses then all of the sudden about 5 weeks after opening my account, I start to see fake emails from M&T Bank saying my account was hacked and I was to click a link to validate my information. 


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So I first opened my bank account 4 months ago. Within the first week I was flagged for fraud. I purchased movie tickets then tried to use the vending machine to get Skittles. It declined it for fraud. About a week or 2 later declined again for fraud to pay my cell bill. After having conversation about how annoying this was she assured me it was for my protection so I calmed down a bit. Everything was fine for a month then we had a charge go through of 1800 dollars that was not ours. So you decline charges because they look suspicious but when a real charge comes through that is not mine you let it go through. Wtf. I’m switching back to my old bank. Clearly this bank can’t be trusted.


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Unable to log in. They've been "experiencing difficulties" for at least a week. I assume this is something about my personal account because no bank on earth remains offline for an entire week, so this message is complete bs. I have banked with at least 20 banks in the last decade, and between the rate and the service, this one wins the plastic craptastic award hands down.


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We recently obtained a loan for a travel trailer. No one would do a small loan, so we did a bigger one knowing would be paying a big amount. We have come to find out, you can not make a payment and have all go to principal as we do on our mortgage. Buyer beware!! If you want this option... Go to TD bank. We just put a 5000. payment on MT Bank extra... And charging interest. Will pay off with a TD bank loan - little more interest rate - but not really. Stay clear of this bank.


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I had Wells Fargo, they were great! This bank was sold my mortgage 4 or 5 months ago. Just made my mortgage and a little extra. M&T decided it would be a great idea to make another identical payment couple days later overdrafting my bank account! Best part of all they admitted this!! So their solution is for me to FAX proof my bank paid their extra payment. Fax!!! Who faxes today? Do they still make fax machines? I digress. Never mind overdraft bank charges! Oh, I'll have to wait 10 business days. This bank is so small and 1980's. Beware!


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Wells Fargo why did you betray me by selling my mortgage to this sub rate company? Absolute nightmare. Where do I begin? They sent a letter saying my mortgage payment would be debited June 17th. Well of course it was deducted June 10th before date. In the meantime I advised them to postpone the payment, I would make it directly. None of this happened. They debited my account twice overdraft fees the hole nine. The last gentleman out of ten reps of course told me to fax in information from the bank. Well of course the bank has to mail a letter which takes 5-7 days. Trying to keep my mortgage in good standing and calling every other day is noise in my day. I hate this bank. Never had issue with Wells Fargo in almost a decade. I must get away from these idiots!


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Today will mark the 4th month reaching out to this company. I finished paying off my car in Feb. 2019. I had my information changed a year prior due to a repossession and did not want to go through that mess again, if it were to occur again. They stated the info was never changed and the title was sent to the wrong address. So now I have to wait for a lien release so I can get my Title. Under the state of Florida the title will come out to 86.00. That is not something I have on hand. It's been four months and not even a lien release has been mailed. I would not recommend this company to anyone with the trouble I've had with them. I have no proof the car is mine now. I am due to move soon and I would like to have this resolved before then.


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Racism! I'm not an M&T Member but receive a check issued by M&T each month. I'm having surgery a day from now. Decided to cash the M&T check instead of waiting 3 days for it to clear my bank so my family would have the resources. Sadly, the ** Bank Teller was very rude and nasty to me for no reason whatsoever. Questioning my bank of choice. She treated me unfair, disrespectful and very unkindly because I wasn't a member of the M&T team. She took my Driver License and then said, "Non members pay a $20 check cashing fee."


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Ever since my loan was sold to this company I have had nothing but headaches. I am now in the process of selling my home and have been trying for over a week to obtain a copy of my Payoff Statement for the closing, to no avail. They continue to say they are faxing it, that it will take 24 hours (????) and it never comes. The function on their website that is supposedly in place to allow you to request a payoff statement online has been disabled/dysfunctional for over two weeks. They do not respond to any online messages I have submitted. I am at my limit with this unprofessional, borderline fraudulent company. Avoid doing business with them at all costs.


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We just opened an account with M&T about 8 weeks ago. Hubs gets his paycheck because they don't offer dd. He stops by the bank every Wednesday, cashes the paycheck which is drawn from M&T,  keeps a bit of cash, deposits the rest. The deposited money is ALWAYS available right away. Well, this Wednesday, when it was crucial we get our money, the teller gave my husband cash, but deposited the remaining $900 as a check! We don't know how she accomplished that when she gave him cash. The check was $969, she gave us $69 cash, and STILL deposited the $900 as a check. Ugh. 


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My mortgage is with M&T. I had a water leak which required a huge repair. After filing a claim the insurance company sent a check with M&T and my name on it. However, the insurance company refuses to release the funds to get started on the repairs after sending in all the required documentation. I don’t recommend using this bank at all.


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Opened business checking at the end of last December. Was an $300 bonus offer - $5,000 daily balance for 4 month. Location was not convenient, so didn't have time to use it. A few times past by that branch - 0 customers every time. No transactions, no checks, etc. Just kept $5,000 for 4.5 months. Met all bonus requirements. Bank deposited $300 bonus in mid April. Needed money and came to a branch to close account. Was charged $110 just to close an account - 4 different fees. Hope some other bank will buy them, otherwise they go out of business.


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The first problem I had was my card not working anywhere I went, it had to be scanned multiple times. A fresh card that doesn't work, shows how much they spend on their cards. Also don't ever deposit a check into M&T Bank. I deposited $800 and it has been on hold for over 2 weeks and they say they can't do anything about it. I will definitely be leaving M&T and be going back to ESL because it has been nothing but problems with M&T from the start.


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Dont know why we ever decided to open an account with these people. In through one ear and out the other should be their new slogan. The most moronic people you ever meet! You tell them to do one thing and they do the exact opposite. Opened 2 bank accounts and they totally screwed up the paperwork. Gave them an address and specifically told them dont send any mail there. 1 week later, getting tons of junk mail to an address I never did before dealing with these morons at M&T Bank. Gave them a PO Box address and told them specifically to send everything there. 


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Not sure why my bank sold my mortgage to them. I was never late and have been with them for 7 years. No issues at all. Then BOOM... I get a letter with the info 2 days before mortgage was due. Good thing I waited to pay this time... M&T will not let me make payments online. Been trying for DAYS. So I call only to find out if I make payment by phone there is a 15 fee. Really?? I wish I could refinance with a bank that has a better reputation and LOCAL. I can't even walk in and pay. They are non-existent. My one hope is they go bankrupt and my loan is paid off. :p I will try again Monday. But if this keeps on I will be late. Maybe that is what they want us to do? Good luck to any of you that have them. Not a good business at all.


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M&T Bank bought my mortgage from Wells Fargo. Never did anyone notify me beforehand. They received 2 payments for April; 2019. I have fought this for 32 days. Just when I thought it was settled and went to make my may payment they state they never got any payment. They received 2 April payments for a total of 2855.86 from my Wells Fargo account. It went to M&T Bank and showed they received it. James and another James and Wanda and Michele and other supervisors told me the second duplicate payment was held in suspense. They just stole 2855.86 and never did they even call me one time. They only sent a letter talking about basic mortgage stuff when they said they would credit back the duplicate payment. Beware beware beware M&T Bank.


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I have spent nearly 2 weeks dealing with M&T Bank for my Mortgage transfer. No link they provide shows up for me when I type what I am told to (but does for them) and they are unable to complete the enrollment over the phone which is forcing me to have them mail me the form. I was also able to call them 3 times and still not receive a call back from the first individual who called me and had left a message for days prior. Not a happy start.


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I wrote a complaint about M&T credit rates and they gave out all of my personal information to someone. Now they want me to monitor my credit, why, you should do this and pay fines and losses! POOR CUSTOMER SERVICE.


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They are rude, fabricate info, ignore my information, and they do not report to credit bureau correctly. Take head do not bank with this bank. Apply late fees when I pay on time. They interrupt when I'm trying to talk, and they harass about payments and say they are late when they are not.


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I open up an account at M&T Bank. After having trouble with them in the password I lost my deposit and were very rude. I thought maybe after years they were changed and their attitude changed and they keep sending me solicitation so I open up an account and I had it for about 2 months and they closed my account without explanation. I went to the branch and Camp Road. Their girl was not very helpful or friendly. She called Rochester where they closed my account and said she got off the phone with her and I said why did they close my account and she says, "I can't really tell you. All I can say is they close your account and sometime in the future you can apply again." It was very rude.


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The online banking system has been unavailable for days now. When I call, they essentially blame me - assuming it's my computer or browser. Well, I have tried with multiple computers in multiple buildings using several browsers without success. This is a recent issue. I have never had problems like this in all the years I have used M&T. Their lack of honesty relative to this issue is disconcerting.


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My original loan was thru Bank of America 2009, then I was sent a letter years later stating I have a new mortgage company M&T. Never missed a payment & often paid months in advance when times were good. I missed one payment in the 10 years of the loan they come to your home multiple times to charge fees for random property inspections. This is a violation of privacy and a consumer rip off practice by so many big banks especially to the poor. This bank only interest is to get paid and has no compassion for humans.


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They have worst customer service. Bankers are liars and some fart name "Bill **" that if you a fraud he will try scaring you. Do not deal with them. Banks are thieves!! Also BB&T. Bank of Amercrap. Hsbc. All of them got caught via scam. Stealing from customers and cheating on fees. Whoever don’t give great service should go bankrupt!


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This bank is in my neighborhood to service the community. However the customer service is the worst I have ever experienced anywhere. Usually only one teller works at this bank. She is always polite and helpful but one teller clearly is not enough. Today at 10:15am three people sat behind the glass, two kept their heads down impersonating tellers only one assisted customers. The manager Ms. ** was impersonator number one, she allowed impersonator number two to do nothing but sit with her head down. If you guessed this occurred in a small town you would be wrong. This M and T bank branch is located on Alabama avenue in Washington D.C. You would be incorrect yet again if you guessed that today's service was an anomaly. This pitiful service occurs whenever I frequent this branch. Retention department can you help?


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I have applied twice for a home modification loan with M&T Bank. Both times I was turned down. I am stuck on a 5 year ARM loan. I am 100% disabled and cannot work due to my health. They know my health situation and refuse to help me. I broke my neck, I have had ten Heart Attacks, Barrett's esophagus disease and three strokes. This bank is going to put me out in the streets where I will not survive. I think this is discrimination against the disabled. I need help and M&T Bank refuses to help a 56 year old disabled man, this is not right. Shame on them.


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I applied for the M&T Bank Visa card with zero interest. Got approved. Have great credit. The card has an offer of 100 dollars reward if you spend 500 dollars over first 90 days. I spent 2500 dollars. They never sent me a bill. They keep mailing overdue letters. No other choice but to call them. THIS is where it gets tricky. I have called several times. I use the customer number in back of the card. When you call you speak to the bank, the mortgage people, everybody except anyone from the credit card. 


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I have been a long time customer of M&T Bank both Personal and for our Business. Today I pulled up to the ATM Machine and it said "Unable to print receipts, would you like to proceed?" First of all why didn't they do their jobs and refill it with paper? I proceeded since I was only making a deposit and was going to take a pic of the screen to show the transaction. I put in 2 checks, one being spit out, the other one being ate by the machine. 


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I have a loan through M&T, not by choice, but when I purchased my car M&T is who I got. I have had an excellent credit history since opening my first credit card 10 years ago and M&T has completely screwed me. First, let's just say their online system is not user-friendly. Since M&T took over as my new loan provider for my car in April of 2017, I have made consistent, sometimes even more than expected, payments faithfully to M&T. In August and September of 2018 after logging in to submit my monthly payments, their auto-generated Amount Due and Due Date had been lower than my normal monthly payment by $75.00. I did not think anything other than maybe my payments dropped these two months because I was paying off more on my monthly installments in the previous months. 


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I’ve had this account for 2 months and I’m already closing it out. After depositing my own money into the bank it was put on hold for 5 days and after it was lifted I took a picture of my check to deposit to make it easier and they still have my check on hold for now 9 days! And all I get is, "Oh there’s nothing we can do." It wasn’t a problem when I was depositing money but now nobody can help when it’s time to take out? Definitely the worst bank I have ever been with. I would rather go back to Chase Bank. Customer service representatives are distasteful and rude. DO NOT BANK HERE.


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I normally do not write any reviews but the experience with this bank has been so pathetic that I was forced to write it. The online banking system is a joke. They keep blocking the transfers with no reason and say it's for security and have no clue when it's going to be fixed. The customer service is a joke too with average waiting time of 45 min to get to them to just hear that there is nothing they can do about a problem.


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I called and sent a email about being off for 9 months with leukemia. Went back to work. Asked for help to no avail. Was out 9 months struggling. They wanted to sell my house even though I was not behind. I wouldn't recommend them.


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My mortgage got sold to this bank. I recently had some hardship and requested a modification. This began in May they have yet to help as they said but instead won’t let me pay and now are trying to take my home. Everything they ask me I do and then they say they need more. I realized they simply have been playing me and had no intention of helping. Now I need help away from them. They are seriously trying to foreclose on my home. I don’t know what to do because they have lied and placed me in a awful situation. DO NOT have anything to do with this bank. It is awful, unprofessional, and a scam. I have been in tears dealing with them regularly. Please - anyone that has advice let me know. Please!


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Our mortgage was bought out by this bank, and I use the term bank sarcastically. My husband paid the mortgage on a Friday morning. We were coming up to a Bank Holiday on Monday so we assumed it wouldn't post until Tuesday. Upon review the payment did not post until Wednesday. When we called to verify the payment was received electronically as it stated the representative stated that the account showed an outstanding balance and NO PAYMENT. 


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My mortgage was sold to M&T last year, I did not choose them and never would. I've had nothing but problems since. From rude employees who have literally no idea what they're doing, cannot answer basic questions on what fees I'm being charged, will never let me speak to a supervisor etc. They're telling me my mortgage is delinquent but WILL NOT LET ME PAY. You read that right. They've locked me out of my online account. They've locked me out of the phone pay. They won't take a by phone payment with a rep. I've paid in full TWICE NOW and they returned the funds to my checking account, the same checking account I've always used to pay, and locked me out of everything. 


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When I opened my checking account, I stated expressly that absolutely no USPS mail from the bank was to be directed to my residential address (which I had to provide as a condition of obtaining services). I explained that because I am in the process of escaping a domestic abuse situation that involves financial abuse (and this is commonplace in domestic abuse), any mail from the bank could fall in to the hands of my abuser, who, then realizing that I now have funds at M&T, would attempt to secure these somehow and/or commit physical harm against me for beginning the process of separation/escape. 


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This is the worst experience I have ever had with ANY company ever! Since the moment they purchased my mortgage loan in September I have had nothing but problems. It started with threats about not having homeowner's insurance and then not having flood insurance AND THEN it was not adequate coverage. I had to call weekly to correct these issues, as my insurance company sent proof of insurance several times. Additionally, I was provided several "analysis" and each was incorrect. Including one in which they sent me a $1390 check and stated I overpaid last year. 


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Also experiencing login problem described by other reviewer. Login went from clumsy and slow--use to take multiple attempts--to, lately, impossible. I can't log onto the site to see my account information, no matter what I do. Spent 10 minutes identifying myself and describing the error via the SUBMIT FEEDBACK link and when I hit submit I got an error message, so my choice is to call (they never solve online banking issues. Usually get transferred around and give up). I can use the mobile app, and that's it.


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Generated a loan through M&T Bank back in 2006 with 11.125% interested rate. For 12 years I've paid approximately 2,395.00 a month on a 120K loan with taxes and insurance included. As of December I still owe 108K on the principal. I wanted to get the interest earned for year 2016 and 2017. Each time the automated prompts would eventually hang up on me. Call the general 800-724-2440 number and after a long hold time I got someone whom didn't know what they were doing (Gloria). I'm going to refinance with a different bank. You are a very bad company. So difficult to work with.


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This bank will not let you pay extra on your principal. When you pay extra money they will put that payment where you don’t have a payment the next month but if you don’t pay extra then your interest for next month is added each day you don’t pay extra money so when you do pay all your payment goes to interest. I’m 3 months ahead but they won’t automatically withdraw because they say you're ahead of payments. They also do not post your account notice until 12 or so days after it’s due. Bad bank. Someone other than me needs to make a complaint to the feds.


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The bank manager approved an account for me, then lied about approving it. He became hysterical and agitated on the phone, and is hardly fit to be a manager of the bank. Beware of doing business with this branch, because the manager is very incompetent and cannot be trusted.


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I have literally been trying to log on to my account with M&T for a week and I can't get on. They changed their log on process in the last few months, it went from easy to slow and laborious, and now it simply doesn't work. I will have no choice but to switch banks...it's just inexcusable in this day and age of easy online transactions.


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I have no choice, but to have my mortgage under M&T Bank. My mortgage was sold three times within the first year of having it. I'm now stuck doing business with M&T Bank. My problem with M&T Bank is they don't accept payments for your mortgage on the weekends. Why is it, any other bank or online bill collect. You can post your payment on the weekend, but not with M&T Bank. I have loans out for auto, new windows, and having a basement finished. All of those I can post a payment on a Saturday or Sunday even if the banks not processing the payment until Monday, but not with M&T Bank. You can only post your payment during Monday through Friday and it even has to be posted by 5:00 pm to be posted on the same day. This is just another reason why the banks makes the rules, get bailed out when they make bad business decisions and we have to take it if we want a house or buy anything.


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I had no choice in dealing with M&T Bank, since my mortgage was sold to them at closing. In the first few years dealing with them, I had no issues. I went through a Chapter 13 bankruptcy which has been discharged for a year. I have made all my payments on time for the last 14 years, including during bankruptcy. In the past week, M&T Bank has called my home a minimum of 3 times a day, including Saturday. I called them 4 days ago to ask why they're constantly calling me. The rep told me "it's as a courtesy once you're within the grace period and haven't yet made your payment" (payment due on the 1st, grace until the 16th). So then how is this a grace period if you are now calling me multiple times a day, every day? All he could ask was if I was going to make my payment by the 16th. 


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I do a lot of web banking transactions in terms of paying my bills and transferring funds between accounts as I have multiple accounts with M&T but only one can be assigned a debit card. I made a call to customer service just recently because I was in an emergency situation and needed to have funds transferred from my savings to my checking which was linked to my debit card. Web banking system was down so I called into customer service to have it done over the phone. I went thru two reps who refused to make the transfer even though their systems were down because they needed the last 4 digits of my account number and I could only remember the last 3. 


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Purchase a condo 10 years ago with M&T Bank being the same mortgage company for 10 years. Back in January 2018 they send me letter and flood insurance on condo. They never received it. So I call condo association to get a copy and sent to them. Well couple weeks go by but never heard anything from them so when I called they said they never received it. But I had receipt from fax back in January that they did receive it. So I send it again. Well a couple months go by and I get another letter stating they are putting insurance on condo that they never received proof of insurance. Well now I’m pretty frustrated with them. And to really make things they added to mortgage payment without me knowing. 


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This bank will charge you $38 automatically instead of blocking charges to your debit card when your fund is inadequate. Even when the charge is for less than $6. And when you don't fund it within 7 days, they will continue to charge you $38. Instead of blocking charges to your debit card when you have inadequate fund, they will still process the transaction because they will bill you $38. They will tell you that you automatically enrolled to auto debit, and that's a lie. But that's how they harass their consumers. Please do not use this UNSCRUPULOUS BANK. Their practices are appalling. I hope State banking regulators will investigate this bank.


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I have been banking with M&T Bank for 6 years. And in that time, I have had nothing but negative experiences with them. Their ATMs are out of service more often than not. They will find any excuse to charge you insufficient fund fees or other fees that they dream up (which they love to stack as many times as they can if you make one small slip up). If you do your math incorrectly and overdraft your account by as much as 1 cent, but the total transaction amount was $5 or more they charge $38.50. So you may be thinking "Ok, I will simply double check my account before and after I make my transaction to ensure everything is correct". Well chances are excellent that their mobile banking will be down.


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No way to speak to a live person. My mother is elderly, and she has her mortgage through M&T, a bank that I would never use, due to the non-customer service attitude. They are sending her threatening letters regarding foreclosing on her house, and she is paying her mortgage insurance etc, and they are stating that she is not. She is frantic, but I can't get anyone on the phone, just a freaking loop.


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This is the second year that I have had the same problem with M&T. It's property tax time and they never let me know if they have the bill or a status of the process. Try to call and get into a loop around all the departments. This is very poor and a big lack of information that property owners need.


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Nearing 4 months after submitting an approved disabled property tax exemption to M&T from my county assessor’s office and M&T is still taking too much out for my escrow account, $4019 too much. My county has applied the overpayment from the first bi-annual tax installment to my annual tax liability leaving me with zero owing for the remainder of the year, yet M&T continues to take the incorrect amount out each month. I’ve spoken with many, many people in both the Tax department and the Customer service department who blow me off and bounce me back and forth, no one is willing to take responsibility. When I finally get supervisors, they assure me they will personally watch the account…and that’s when it all ends. 


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3 weeks and still no resolution... I went to the Leesburg Branch, after receiving a notice with late charges in the amount of $1494.74. Brought with me all my branch receipts, where as I brought in all my payments in and a copy of my note. My last payment is next month minus these late charges. As the receipts indicate I am not and have not been late. I just received a brief phone message from Luke ** saying he cannot help me. Very perplexed, prior to next steps, I am reaching out for assistance to correct this error.


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I asked for $160 at the ATM. As yet again I received two $5 bills and three $50 bills. Since I could not use the $50 bills, I immediately went into the bank and asked for the bills to be changed to smaller ones. I presented my ATM card, the receipt for my transaction, and the $50 bills. I spent 7 minutes proving who I was (driver’s license), that I had an account at the bank (check from my checkbook), and digits from my social security number. All this to get smaller denominations that I could use to shop because the bank chose to fill their ATM with large bills. 


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I had no say in this transfer of my mortgage. Never had a problem with the other entities that owned it before, but now it is an awful experience. They are so rude and arrogant about their own errors. They try and hose you, then penalize you on their errors. Corrupt to the core. I can't stand this company. Going to refi just to ditch these crooks.


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My 84 year old had an equity line with M&T bank that has been at a zero balance since 2013. We are selling the property that he took the line of credit out against. I have POA and submitted forms, paid $42 closing fee, signed forms to close account all on Aug 7th, 2018 at a local branch. It is Sept 5th, 2018 and numerous phones to a supervisor named Shelly, in the Buffalo office ID# ** as well as branch supervisor Tanya, at the East Orange Nj branch to they can get a 'closed and settled' letter that our lawyer needs otherwise they will hold double the amount of line of credit in escrow! Cannot get a straight answer. Back and forth. Each blaming one another. Claiming paperwork was not received, and they are still waiting on approval to close the account!!! This has to be the most frustrating experience I've ever had with a bank. I will NEVER do business with M&T EVER again.


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I went to M&T Bank in Baltimore. I deposited $600. The machine malfunctioned and ate my card and money. I received a letter from bank this didn't happen. I'm so upset right now. They are an awful bank. This isn't my first incident with them, they credited wrong amount with check deposit, again ATM. They allowed 3 separate fraudulent withdrawals from my account. They have awful customer service.


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I had gone through the Mercedes Dealer who recommended M&T Bank. I financed through them but be prepared for excuses if your car is totaled. I am a Purple Heart Recipient who served in three wars. I have never had a bank make excuses and drag out to my pay off my car to get more money. My car was deemed totaled in June and I am still trying to get my car lien paid off. For the last 3 months M&T Bank has continually lied to me on the phone and nobody knows anything but I have a claim number. I have Gap Insurance which they received that paid off the car.


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I have a client who I made a loan to and the loan was transferred to M&T Bank. He wants to sell the house and allow the loan to be assumed per HUD guidelines. M&T believes HUD requires a downpayment of 3 1/2%, which is incorrect. The representative stated this is M&T Bank and HUD requirements. Incorrect. HUD does not require a down payment on assumptions. Reporting this bank directly to HUD for review and complaint.


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I paid off my loan in order to trade my boat in for a new boat. They would not issue me a letter saying the loan was paid off for 10 business days. They initially agreed to expedite it for me, but then another person said they don’t do that. After 10 days they agreed to fax it to me. When I never received the fax I called, spoke to a supervisor, “Dallas” who informed me they don’t do that. They will only mail it which will take another 7-10 business days. Every time I call I get a new story. They are the worst. I would never do business with them again in my life and neither should you!


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They bought my loan from CitiMortgage in January 2018. I have been kicked off of paying online because they are saying my account has been flagged as bankruptcy when I haven’t filed. Have called and they took the loan off my credit and when I try to make a payment they won’t accept it. Saying I have to make it with another department who always seem to not be in. They are saying now that if someone put my address down it flags it as bankruptcy even if it’s not me. I have never heard of any such thing. I have checked my credit and everything is good there but I can’t get anyone to take my payment. First time I have ever been late and I’m trying to pay but no one will take my payment. This is so ridiculous and it’s their fault and I’m paying the price for it. I am checking with other banks to refinance as soon as I can. It’s almost funny that I can’t get them to take my payment. I’m just worried because don’t know what they will do next.


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Recently in May I was involved in a tragic car accident. I was told my insurance would cover most of my loan and to contact the bank in regards to the remaining balance. I called and was told by an M&T Representative the balance would be turned into a personal loan. My Insurance paid them immediately. I was worried about my credit and the representative had me make a payment for June and July assuring me everything would be fine.


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M&T Bank are thieves. Their ATM malfunctioned, got jammed, and refused to return my deposit or my debit card. Then they denied my claim and took back the provisional credit they gave me, stealing $200 from me. Don't bank there if you don't like being robbed.


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M&T Bank is the absolute worst bank to have your mortgage loan. First my loan was transferred by CitiMortgage to them. So my suggestion is if you ever have the misfortune to have your loan transferred to them run as fast as you can and find another lender. Customer services is a joke. Actually the joke is there is no customer service. They don't listen and try to over talk the customer. Second once you are fortunate to get rid of them and they are no longer servicing your loan they have no interest in any communication or fixing what they messed up. THIS IS THE WORST EXCUSE FOR A BANK AND A LENDER. RUN AWAY.


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I have a boat loan thru them. They won't give me a loan book like norm. And when I do an e check with them they process it when they feel. I made the payment days before it was due. They processed it 2 weeks later and sent me daily threatening letters till the processing went thru. And charged me late fees. I've had my loan for 3 months now and this exact thing happened twice. They are so miserable to deal with I don't even want the boat any longer. Problem is I paid half down on boat. In process of talking to lawyer to see if I can end this without losing out too much. Horrible company.


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My wife has a checking account with M&T Bank. I went to the Wynantskill branch today (6/19) and had no trouble getting copies of cancelled checks. At the Wolf Road branch, however, my request was refused. I showed my valid drivers license & identified myself as the husband of the owner of the account, who happens to be legally blind. She can sign checks, I make the rest out. Please explain! Letter of the law vs spirit of the law?


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The first year of my mortgage I paid a different bank approx 1250$ a month. Exactly 1 year into the loan I was sold to M&T, the first month went over fine at the 1250, the next month I was bumped up to 1350, I figured it was just taxes increased for the year and I wasn't happy but bought their story. The next year, my escrow apparently had a shortage, I looked into it and found it was an error of the county and quickly rectified it, I even received a tax refund for it. I contacted M&T to correct this and they informed me that they will only provide an escrow analysis once a year in January after the county provides them with the new bill in December.


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Very good lender. Saved up almost 100 dollars by revising our escrow account. Also obtained offered a new loan to lower our interest rate under the recent VA refinance rules. They offered these benefits without being asked. They wanted to make sure under the same 30 yr. mortgage terms, we would go forward with the lowest interest rate possible. This saves us $60 a month with a closing fee of 300 dollars. No cash out, no variable interest, no equity borrowing, etc. Just a new fixed loan.


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They have been helpful in some ways. I need to expand my account to set up to pay my bills to make sure everything is paid each month. Talk with someone about my account.


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I am truly pissed off with M&T Bank. MY mortgage loan was sold to the bank several years ago. I was told that my mortgage note increased due to the change in my insurance coverage through Allstate. I checked with Allstate today to find out no such change occurred. It is apparent that the bank lied to me over the phone. I will be contacting them again tomorrow and don't again. You can look out for another class action suit against you.


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M&T withdrew my whole paycheck, I spoke to 5 different people ranging from the local branch to customer service center. First I was told my employer gave me a bad check, NEVER WOULD THIS HAPPEN. Next I was told they had no idea what it was and since it was a mobile deposit, they couldn't look it up. I was told my paycheck I deposited "I tried to deposit twice", once again incorrect. I was then told it was something from Feb. I had deposited my paycheck using mobile deposit. While doing my deposit the app crashed, which happens a lot. I pulled up my statement and saw that even though I only did the deposit 1x it was showing 2x. I immediately called customer service and was told it would wash out, it happens frequently. Yes, it is my negligence that I didn't check my statements monthly.


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I began two weeks ago to transfer funds from my money market account into my checking account. It has never happened. Told by the worst customer service ever that every next day my funds are going to post. Was told numerous times by Investment Customer Service that the funds would post. Now I have absolutely no funds. Getting evicted, can't pay car loan. Can't get medications. Forced to open an investigative case with the Federal Comptroller of Banks and Currency. STAY CLEAR OF THIS BANK!! Next step I have to get a lawyer with no funds!! Hopefully this bank will eventually dissolve or go Bankrupt. They have ruined me. Sleepless on Long Island.


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We only have our mortgage through M&T, as we have cut ties with the big banks. I was sent an email reminder 3 days before my mortgage payment was due. I have set up payments through my credit union & have paid my mortgage on time since 2012. I logged into my account to opt out & received the message I was not set up for emails! I contacted the number on the email & the rude rep told me to look for an alert option. There is NO alert option on mortgage accounts. I called again & was transferred to the mortgage department & after being on hold for 10 minutes & without speaking to anyone, I hung up. I'm SICK of the big banks & the terrible customer service.


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M&T Bank only likes to help people who have money. If you're lower income or disabled they do not want anything to do with helping you although they portray in their commercials they're so helpful. They love giving out overdraft charges and when I asked to please remove at least one... I was told no and they could and would not give me any answer. Just no. I was going through a refinance... and I needed information from them. I dropped off the papers and when I called the refinance company a week later... they never received the paperwork. I went back to the bank and to my amazement it was still sitting there. 


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I had such a bad experience with this bank from day 1 that I forced myself to pay off my boat loan early just so I would not have to deal with them. Once the loan was paid off early I asked for a letter of loan satisfaction. The customer service rep acted like I was inconveniencing her. 3 years later I go to sell my boat and can't because all they referenced in the letter was the loan #, not the boat info. Once again I need to request a letter of loan satisfaction with the boat info and once again the customer service rep acts like I am inconveniencing her. From the first day I got this loan I knew it would be a headache. No one tries to help, they are very sloppy with their paperwork. Having a bank loan should not be this much work! How does this bank stay in business!!!!


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I accompanied my husband on a visit to an M&T Bank branch at 5642 Baltimore National Pike, Catonsville on 4/2/18 where he has a checking account to which he has direct deposits. We are an elderly couple. My husband has no checks for this account as he no longer has starter checks and has not recently used the account to write checks. He was told in a previous visit that he had to pay $10 for a check in order to avoid a cash withdrawal of the sizable sum he was seeking. In order to avoid withdrawing over $1000 in cash, we waited for nearly 30 minutes to seek assistance to accomplish this withdrawal. Instead of assistance, we were called by a hostile and rude bank officer. 


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I am writing this in hopes, that no other person ever has to deal with the lies and shady dealings of M&T Securities like I have suffered through. My grandparents had lots of stocks from M&T Securities. My grandmother passed away in September 2017, and left her estate to me. Including all of her stocks. I have been stuck with every bill imaginable, and although I did not want to liquidate the stocks, I had no choice. I began this process in October of 2017. I had my attorney contact M&T Securities to liquidate and cash out the stocks. First off, the initial contact between my attorney and M&T was a very long wait. My attorney called several times asking for a letter of instruction on proceeding the liquidation. That simple letter of instruction did not end up coming until November. 


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Getting stuck with M&T was not my doing. My Mortgage was sold to them. I have damage from Maria and because my check is for more than $20,000 they have to control the disbursements. That's OK except they want to force me to use a Licensed Contractor. I however can pull my own permits and my husband who is a subcontractor will do the work. They want to fight me on this. They have been fighting me since February! Now we are into the rainy season in FL and I still don't have a new roof!!! I think it's time to get a lawyer... I can pull the permits and the city will do inspections!! 


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My mortgage was sold to M&T Bank and it's been nothing but a nightmare since. They harass their customers. They are incorrect with their information and they are bullies. I am going to refinance to get away from them. My recommendation would be to stay as far away from this institution as possible.


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After my first year of owning a home our lender sold our mortgage off to M&T Bank which was not an issue at the time. Unfortunately, as of last year we had issues paying our mortgage due to being affected by Hurricane Harvey. Now here is where the issue began, after speaking to a representative over the phone we were informed that we must fill out an adjustment package and send in a hardship letter and prior months bank statement. Well, after completing the tasks (fax is the only way which cost me $40 each time) we haven’t heard back from them for a month, so like any right minded individual I called them and was assured they would look it over. 


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Relocated from Ireland to USA and applied for secured loan to help build credit history. One week later the bank informed me in writing that foreigners do not qualify for loans from M&T Bank. I am stunned this blatant discrimination against foreigners who are investing in the US economy.


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I have had many personal accounts with M&T Bank over the past 7 or 8 years. Recently we opened a business account in M&T Bank thinking it would be convenient to have the same for personal and business. I was so wrong! I've had the account open 6 months and I've had nothing problems from the beginning. My complaint will be of the most recent... A cashier's check or a bank check was given to me from a customer so I can buy supplies and start remodeling his house on Saturday. I DEPOSITED the check at 12:43 pm on Friday... A bank check is basically already cash, that's why I had the customer get a bank check. 


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M&T Bank has the worst customer service I've ever experienced. They are at best rude and usually disrespectful and condescending. This company acquired my mortgage from another mortgage company, and the circus began. I had correspondence with the bank and was told I qualified for a loan modification. They sent the paperwork which was filled out and returned promptly. Then the phone calls started. My loan modification was denied for reasons of them not informing me of wrong information which is documented, I sent the correct information. It was an excuse every time, terrible service.


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My mother had a bank account and a living trust holding a safe-deposit box with M&T Bank. I flew across country (I live in Oakland, CA) to visit my mother when she was in the hospital, unable to leave; she was very insistent I should get into her safe deposit box. When I tried to get into the safe-deposit box, I was told I needed to get a power of attorney to do so -- despite the fact that the person present *knew* the box was held by the trust. When I got said document, I was told that I could not get into the box, as it was held by the trust, not my mother per se. Fine, I thought; we will see about changing the trust, and that will solve that. My mother passed away before the trust could be altered.


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M&T Bank has the worst customer service I've ever experienced. They are at best rude but usually disrespectful and condescending. Their processes exhaust their customers by requiring unnecessary measures that any working person is unable to endure. Their website is painful to use and their phone service is agonizing. It would be in your best interest to find another loan service!


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Found out to my surprise, some years later that my saving account was closed at M&T. The bank said I came to the bank and I signed for my account to be closed. Then on the same day, they said a deposit was made to my checking account for $207.81 and the bank said I did that also. There is no way I would have done that. It did look like my signature on the receipt, but I know I would not, closed my account then took an odd amount and put it in my checking account, then leave the bank with the rest. I would have taken the entire amount I closed with and left the bank. What should I do, when they have proof that I signed for it to be closed? I have already taken action on this matter and they said the same thing... "We see you signed for your savings account to be closed and that is your signature, so you closed it."


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This company acquired my mortgage from another mortgage company and the adventure began. After a death in the family, loss of job and another family member got ill I fell one month behind on my payment. I had correspondence with the bank and was told I qualified for a loan modification. They sent the paperwork which was filled out and returned promptly. Then the phone calls started. M&T Bank is also a collection company. My loan modification was denied for reasons that escape me. I have spent many hours providing this company with everything they requested. Beware is all I can say.


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I was mislead on what a loan motivation was by phone and was hassled by this mortgage after experiencing damaged from Hurricane Harvey. A representative from the company showed up at my home uninvited, many hassling phone calls and letters after arrangements were made with the company, rude customer service reps who acted as if they were doing you a favor by taking your call. After applying for the modification with all required documentation due to a 3 month deferment, the company required my check stubs pre-storm as if we received raises during the storm.


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Worst car loan experience I have ever had. To begin with, when I initially opened my account I never received any billing information concerning loan payments. I assumed that my payments would not start for 45 days like most banks. Nope, not this one. I didn't receive any billing information until my first payment was past due and then demanded a double payment. I attempted to assure them that I never received the initial information concerning account number, payment due date, or payment amount.


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I have been through 4 different modems at Spectrum and every modem the IP address was blacklisted by M&T Bank meaning I cannot surf to their website. I can connect to any BANK except M&T Bank (Key Bank, Bank of America all good). What a PAIN IN THE ASS!!! It’s been over 2.5 weeks and when I call M&T Bank they say it’s Spectrum's IP being blocked and when I call Spectrum it is M&T Bank! Well the problem is at M&T Bank blocking IP addresses in order to gain access to the website. FYI it’s the Baracudda blacklist system! As a business owner this is **!! Also the M&T Bank App is terrible. I haven't been able to get this to work for months either. Support on the same is also poor! It’s a real shame. I have 11 accounts with them and when calling tech support you're only a NUMBER!!! And the same excuse!!!


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Do yourself a favor and choose a different bank. They charge you for every little thing. I was 7 dollars negative in my account, so I deposited 10 dollars cash the next day, and they charge me a 38 dollar late fee... I will never pay this late fee. I wish they go bankrupt.


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M and T's online banking and app services are absolutely HORRENDOUS. As a business owner who was clearly foolish enough to open not 1, but 3 accounts with them. PLEASE spare yourself the trouble of having EVERYONE in the entire United States having access to your account EXCEPT YOU! Oh, and the hold times over the phone are endless.


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My mortgage was sold to M&T Bank. Ever since, dealing with this bank has been a nightmare. Their customer service people are incompetent, their loan officers don't know what they are doing, what you are told via phone conversations and what actually happens are two different things, and they are always looking for a way to charge you more for them doing nothing but harassing their customers.


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I was laid off last year and have been continually 30 days late with my mortgage payment. I have started to recover financially and then had to replace a 6k boiler system on the house. I have applied to M&T mortgage for a home modification and was denied based on credit! I knew that would be the outcome since the loss of employment. I asked the bank to add 2 payments to the back of the loan and they have refused but continually offer a deed in lieu of title. They have been of no help.


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This the worst bank ever, you can tell they do not care about anybody. They bought Hudson City Bank and kept 2 mortgages on credit report. Had to fight to remove one, then added $12500.00 to balance of my mortgage. They say they charge to pay mortgage off early. Now they want 2 months mortgage payments in escrow at all times. PLEASE DO NOT USE THIS BANK. They will stress you out every month with new fees. Now they reported I was late over 90 days on my mortgage for 10 months in a row. They killed my credit so I have to fight to change the last credit report.


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We have a Controller who is going to jail for stealing more than 1/2 a million dollars from us. We didn't realize the theft was taking place because M&T was refusing provide us with bank statement that were lost in Storm Sandy. We hired a lawyer to force the M&T to provide the records. When they finally sent the records the theft was clear. We saw checks where the payee, and amount on the checks did not match what was recorded in our accounting software. There were over a 120 checks altered. Most of these checks were deposited by the controller into her personal account using the bank's remote deposit application on her smartphone. These applications are not secure. They cannot tell if any of the information on the check has been altered, and the system can't tell if there has been white out used on the check.


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I chose M&T Bank to open up a guardianship account. BIG MISTAKE!!! For six months, they have been unable to effectively process checks written from this account - even with specific court orders. I was finally forced to reach out to the Better Business Bureau, in order to literally force this company to do its job. I had to take 9 days off work to try and resolve issues and they will not reimburse me for the work I had to miss. I also had an appointment with the branch manager and he refused to meet me - and I had driven almost 4 hours to meet the manager. The BBB complaint # is **. Even with corporate M&T involved- they still can't do the job effectively. I caution anyone considering opening an account with M&T Bank to think twice.


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Our loan was recently purchased by this bank from a reputable bank that we never had a problem with. In 20 years we have never missed a mortgage payment. Our home was demolished by hurricane Irma this past week. When we talked to FEMA they told us that mortgage companies will allow you to defer the next 3 mortgage payments until the end of the loan to give people a chance to get some of the repairs done and make the house inhabitable again. When I contacted this bank, they said they were aware of this policy, but they don't allow for it. They told me if we missed the next 3 mortgage payments we could apply for a loan modification. They would report us as 3 months delinquent on our credit reports and raise the rates and charge us closing costs. WTF?? 


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I'm pretty much satisfied with my bank until recently. I had to go get a new bank card and I applied for one. They told me 5-7 days so I'm waiting. No card. I have bills linked to my bank card so finally after 8 days I go to the bank and applied for another card. So now I have to wait another 5-7 days before I can get my bank card.


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My loan was purchased from M&T Bank (I made my first payment to them in June 2017). I have made several calls to them concerning my escrow and my taxes/insurance. It is hard to get anyone on the phone. Once they are on the phone one person tells you one thing and another person tells you another thing. I call. I get transferred from one department to another. You ask to speak with a supervisor. If you don't hold forever waiting on one they don't have one available so they have to transfer you then you get transferred to another department which isn't who you need to speak with and need to be transferred again. They won't give you a phone number to a supervisor or even an email address. They said, "I didn't know if I am allowed to. You for them to call you back and we don't make outgoing calls." Please sell my mortgage to someone else! I am over it - customer service sucks - I can't deal with all the petty stuff!


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I use M&T Bank on RT 17 M in Middletown N.Y. and I find them to be great. It's a small bank and they take good care of my banking needs. And I have been with them 25 to 30 years now.


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I have never dealt with a banking institution that is as ill-equipped and unreliable as M & T. After my mortgage loan was sold on my out of state rental property to M & T, M & T notified me 6 months later that the automatic payments which had been set up for over 6 years and in which I had never been as much as a day late paying, did not transfer. M & T notified me of this via a postcard a day after they sent me a certified letter noting foreclosure warning proceedings. Then I had to pay for their attorney costs to close the matter and my credit score tanked. I tried to explain that the property was managed by a realty company and that I had never even received a phone call from M & T regarding the matter and letters from M & T were sent to the out of state rental property and my previous address.


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Several attempts in dealing with customer service with most recent was to have a copy of my vehicle title (which they are holding) be sent to the DMV in order to register the car. Even in this day and age they will only assist me if I fax a letter with my request. Not to mention I spent almost an hour verifying my identity however according to policy that was not sufficient. I was passed along to several "supervisors" just to have the policy reiterated to me. Customer service is non-existent!


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NOW (M&T BANK) since changing from Wilmington Trust to (M&T) the service has gone downhill tremendously. They just don't care about their customers. They have high fees for every little thing that you can think of. They have made several mistakes with my account and held up my money for days. HANDS DOWN WORST BANK EVER!!! STAY AWAY FROM M&T.


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I have been very cautious on getting Auto Loans these days, and now I know why. I have an Auto Loan with M&T Bank. I received an auto loan through Nissan Dealer in Auburn, MA and they ended up getting this institution to receive my loan. I never received a welcome to our bank, instead I looked at my credit report and find out I have an account with them and the total balance I signed for increased by 200.00 dollars. I talked with a customer service rep and they told me it was my payoff, then this morning I looked and again it increased by 400.00 dollars. What is this bank doing, do they think consumers are stupid and don't realize that they are stealing money from their customers. If this does not stop I will refinance with a reputable bank.


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Sadly, my review is joining the ranks of the trillions of others who have had a bad experience with M&T. As a business and personal account holder (soon to be former) I was not only treated unfairly and unjustly when seeking banking products for my business but until now, I never closed my accounts despite the NUMEROUS fraudulent and bad practices of this bank. I will start by stating that there are a few branch associates and phone reps that are very professional...but that doesn't negate that there are times when multiple ATMs are not only down, but will take the cash to be deposited and then malfunction where you now have to wait weeks to get your cash placed back into your account. OR when an ATM doesn't work at all. And then there are the actual banking products, which this bank notoriously will not offer even longstanding loyal customers. It is sad that this bank has come to be a bad experience. 


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I got a letter on May 8th that my escrow account was short (Today is June 5th). They took my normal payment and put it in suspense because it did not have the $100 dollars for the new escrow payment (Pmts sent automated from my bank). Got an intent to foreclose letter from these people ALREADY!! I've never been late in 4 years of payments, and yet they already start intent to foreclose proceedings. I was out of town for a few weeks and was going through my mail... when a knocked at the door and my mailman asking me to sign a letter from them telling me to get an attorney. 


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THIS M&T BRANCH located 120 Shawan Rd, Hunt Valley, MD 21030 SUCKS **!!!! I'm going through a divorce. My M&T bank account was setup with my LEGAL maiden name (which ON MY SOCIAL SECURITY CARD!!!! I kept my maiden name adding my soon to be ex-husband's name). For the past 6 months I've gone to this location and withdrew monies from my checking accounts using my driver's license, bank card and b/c of all my legal names I provide my Social Security card. Today however all of my LEGAL documentations (I even gave them my damn birth certificate!) weren't good enough. The teller who lack common sense and a ** brain (blonde girl w/ glasses), said she couldn't use my SS card b/c it lack a picture! What state has pictures on SS cards??!! And I'm sorry but don't you all accept the SS card as a form of ID when opening accounts are concerned??? I surely used mine!!!! 


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I will not use euphemisms to write this review, I will tell as it is. M&T Bank is not only the worst bank I have ever dealt with, they are the worst group of people I have ever encounter in my life. Like many, my loan was transferred to them, and during 6 years I have been lied to, defrauded, almost foreclosed on for no reason (I was not late on payments), threatened, robbed, and treated like garbage. They added thousands to my principal, they hurt my credit, they forced an escrow account, charged endless fees (even to give me a pay off amount). I was told if I didn't sign a document they would "Increase my principal even more", while they were already preparing to foreclose.


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Honestly, if I could give negative stars I would. This is not directly for this location but for M&T in general. If you use their mobile deposit in the first 30 days of your membership to deposit a check they will HOLD it completely for 5 days. They don't give you a certain amount and hold the rest like most banks. This is absolutely ridiculous as the check I put in was a payroll check. As soon as it clears, we are taking our money out and canceling the account (regardless of a fee). Thank you for screwing us and leaving us with no money for a week! Never again and we will definitely be telling everyone we know not to bank with you!


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They unfortunately bought my mortgage a few years ago and out of four they have been the only company that's problematic. They're impossible to get a hold of to make a mortgage payment to, even on their app half the time. It's nothing but problems with this company, I can't stand them. Do yourself a favor and avoid them at all costs if you can.


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M&T Bank in Rehoboth Beach, formerly Wilmington Trust provided title to mobile home when loan paid off, but it was unsigned. Owner did not know this was a problem until time of transfer. I am realtor representing the seller. M&T faxed copy of title not understanding that we need original in order to complete the transfer. Have tried for 3 days to get someone to call me back. Zero response. Unacceptable, unprofessional customer service. What does it say about a company when they won't even call you back.


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M&T Bank is the worst place ever. I always come to this bank and the customer service is the worst ever. Each person waits at least 30 min to be seen, while there being more employees there. Instead of making customer service the number one priority and help the next customer, they leave one person at the teller and all they can say is sorry. One customer and you spend your whole lunch there. It has to get better.


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Took almost 3 and a half weeks and 11 attempts to get a payoff statement. I explained in early Dec of 2016 they would not be receiving a pmt for Dec as it was to be included in the payoff of the mortgage. After finally getting payoff info after them dragging their feet Dec not went past 30 days, I was assured by several members of their staff this was not an issue since the Dec pmt was rolled in the payoff check. Only to find out after having my check for the entire balance of this note in their possession on Jan 13 2017, they turned my account delinquent on the 20 of Jan 2017 and destroyed my credit score after confronting them. I was told there's nothing they could do and conveniently all recorded conversations on this matter could not be found. Instead they have reported my account as delinquent for the entire balance of the note. Not for Dec 2016 note. The entire note of 86 thousand dollars as if it went into foreclosure.


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I just dealt with the nastiest/heartless bank in the world, M&T Bank. They could care less if my brother can't talk to them, because he is on a vent and chemically sedated. From the 24 of Feb to 24 of March the M&T Bank will close my unconscious brother's bank account if he hasn't contacted them by that time to update his personal information. They will write him a check on what is in his account and mail it to him! I say that is a good deal! Who would want to be associated with such a bank! 


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I went to the bank this morning to get a document notarized and was charged $6. The person should have informed me before notarizing my documents that there was a $6 charge for this service if I was not an account holder. She did not do that which I thought was unethical, unprofessional and sneaky. It these are the kind of people that this bank employs, they will certainly never get my business.


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First off the bank charges fees that most other banks have done away with years ago, like a $3 to transfer money to another bank, and $10 a month to use a money management software like Quicken. Already a reason not to do business with them. Second, a company that I regularly do business with accidental took a large amount of M&T (which was listed as a secondary account) without alerting me. M&T is an account I made a long time ago and almost never use, and thus it did not have the required funds. M&T immediately charges a $40 overdraw fee without notifying me (while it is your responsibility to check, most banks this day and age will notify you of this), then 5 days later without notifying me charged me another $40.


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This Bank gives you no wiggle room and doesn't care about you whatsoever. They'll do everything to get you to their bank but then nothing to keep you satisfied even if you are a good customer. I use their online mobile banking. It showed I had available and total balance in the positive. I forgot that I had made 2 bill payments that didn't come out for 3 days after, and I purchased fuel. All of a sudden all of these things came out at once. I was given three $40 insufficient funds fees for each charge. I'll admit that was my fault. I tried getting them to reimburse me for at least one just to be nice because I never, ever, ever go negative but nope.


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I went to the M&T branch on 4747 Transit Rd, Depew, NY 14043 to transfer money between accounts. There was no one in line for the three tellers. I walked to the counter and stood there. Not one of them made eye contact or acknowledged me. This was ignorant and rude. I went to the teller in the middle and could literally feel the disdain oozing from her. As I explained what I needed to do she was busy joking with her fellow teller about house parties. I provided my ID as requested and she returned it with a flip of the wrist. I worked in customer service all my life, and I have never seen such arrogant and disrespectful treatment of a customer. M&T human resources better start using better hiring criteria for its people other than empty headed party girls.


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What do you do when your mortgage was sold and you were not informed. What do you do when you find out and the new company is not set up to take your mortgage payments? What do you do when you are in a horrible financial bind and the bank offers to help and save you some money? I saved $3.00 from that scam and I am currently behind. I attempted to catch up and I called to make a payment. After being berated by Customer Service for not making the payments, I was shouted at, demeaned and the payment was taken from a very old account not used in over 16 months... on purpose, I'm sure. I called twice to try and figure out why the payment didn't go through. Each time berated about being behind and confronted with... "Well! What are you going to do about it!!" I spoke to a manager who did not want to fix the payment. She wanted to know what my problem was and why I couldn't pay.


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I pay my mortgage payment religiously every month through my online banking. The payment is due by the 16th of the month or they charge a late fee. I have the payment sent on the 6th of every month. That gives the payment 10 days to reach them. This month I received my statement from them with a late fee assessed. I thought, no problem I'll just call them and ask them to refund it. They REFUSED to reverse the late fee. I told them I had a confirmation from my bank that the payment was sent from my bank on the 6th. They told me too bad. They only allow one reversal per the life of the loan and I already had one reversed in October of 2015 (for the same reason). 


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After failing to be able to make payment online I called Customer Service. Being transferred around after long holds on each round finally got to talk to supervisor only to be told I could only make my payment on PC not mobile device. The other girls didn't know that? The first two girls were very rude and I'm wondering if I was left on hold that long on purpose? My loan was transferred to them. I would never have picked them. Stay away from this business! ** for customer service and the music they play while on hold. I'd like to slap the smart mouth girls on the phone. Wonder if they REALLY record the calls? Doubt it.


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Worst Bank Ever!!! When making deposits it says it will be available on a certain date then it's not, when you ask why it is not they give you some ** excuse that it posts to the account then day after the given date. WTF!!! Any bank I have ever had makes funds available immediately if under a certain amount, not here they don't make those funds available until 2-3 days later. When you tell them to cash a check and deposit as cash they won't do it stating some more ** excuses. When my father wanted to put money in my account for me they wouldn't let him! Any bank will let you deposit into an account but again not here. I have had nothing but bad experiences with this sorry excuse for a bank in the year that I've dealt with them. I will pulling all my money from this bank and opening a new account with a credit union. Do not go here!!! This bank should be shut down! Run!!!


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I paid my last car loan payment and called M&T Bank customer service immediately to change my address and name so title will have correct information. They ensured me that name was changed and I was supposed to receive mail which I had to sign and send back with copy of marriage certificate. 10 days passed by and I never received mail with title that had my old name and address on it. I called them again and they said I have to deal with DMV directly to change my name on the title. As a customer, I did everything right, I was on the phone for over an hour, they told me my information was updated and they are sending mail. As a result, I have to pay fee to DMV to have my title changed. Manager was rude and entire customer service team didn't care to understand my situation, I would never use this bank and make sure everyone around me knows how bad they are.


