• Karen October 13, 2009 at 12:57 am

    I'd be very interested in joining any class-action suit against M&T bank — please let me know how.

    • admin October 19, 2009 at 10:03 am

      Hi Karen,
      It sounds like you’ve been through some issues with excessive bank fees at M&T Bank–you didn’t specify your issue with M&T so I’m just assuming it’s fee-related. I’ve sent you an email (check your spam folder too!) regarding your question about M&T. I hope you find the information helpful–let us know how you make out of if you have any other questions.

      • B. Dawn June 30, 2017 at 2:04 pm

        Can you please help me . I have plenty of issues from M &T they have double dip into my savings account to put into my checking account when it was a lot.
        Recently they closed my savings account as well.
        I am on a pension from NY and in Centre County, PA.
        I was in overdrawn because my monthly check comes in direct deposit the end of the month for the new month.
        Well they charged me $38.50 6x and took out over $250 extra with the $620 in overdrawn . My pension came in today the bank put a hold and would not let me take out MY money until tomorrow.
        I feel they ,M &T should be sued, only VA benefits and social security no holds.They have my money which the bank stole from me. How do the bank get away from this bank robbery ?

        I want to be in this class action suit.
        Has for my savings account I do not know how much they had stolen from me but I think it was around $4000.

        And then putting a hold on my checking account. I will be going back to my former bank based in NY.
        Thank you,
        B. Dawn

  • M&T Overdraft Fe October 19, 2009 at 5:24 am

    I was checking account with M&T Bank was charged $202.94 for Data Direct. I do not know of this company and since I didn't have any real cash in this account I didn't pay much attention to it, until I started a new job after be out of work for nearly 2 years, had my first work check deposited into my account only to be charged with $299.70 for 7 – $37.00 overdraft fees and atleast 4- $10.00 fees for past 5 days of overdraft. So while I was thinking I had atleast $350.00 in my account I had only $115.00 in the end. I called the bank to have this explained to me and the young woman I spoke to told me to contact the company, there would be nothing they could do for me. I am very interested in receiving any information on class action suits against M&T Bank, Bank America and Wachovia. This is legal rape!

  • Jeff November 18, 2009 at 8:34 pm

    Please forward me this email. In a matter of two weeks, M&T Bank has charged me approximately $450.00 for overdraft fees AFTER I deposited M&T paychecks that were held by the bank for 3 days before clearing. So all my purchases before MY check was cleared were charged $37.00 ea. I'M A COLLEGE STUDENT making $300 bi-weekly!

    • admin November 19, 2009 at 3:17 pm

      Hi Jeff, Will do…please check your email (and your spam folder just in case). Thanks for your comment and please let us know how you make out; -Abi

  • Jack M&T November 25, 2009 at 7:04 am

    M&T has taken well over $2,000 in NSF fees in the last couple months. I have 3 children and live paycheck to paycheck. I am now in fear of losing my home and becoming homeless. I filed a complaint with the Fed Reserve and the BBB and wrote to my Congressman. Nothing was done. Most of these fees on debits less than $10. They just took the Christmas money I was going to spend on my children. They took my Mortgage money. They took my Utility bill money. They took my vacation money. They will not stop. My total balance does not even go negative. HELP!!!!!

  • John B November 25, 2009 at 7:25 am

    Please help me. We've been hit with over $2,000 in NSF Fees and our account total balance did not even go negative. How can I be a part of a Class Action Law suit. I am desperate. I filed a complaint with the Federal Reserve, the BBB and wrote to my Congressman. Please help me.

    • admin November 26, 2009 at 4:08 am

      Hi John, Thanks for your comments–and I'm sorry to hear you've gone through so much; best thing I can suggest given the complaints you indicate you've already filed would be to submit your information here so that your case can be reviewed by an attorney.

  • Angel B December 4, 2009 at 7:05 am

    I recently had my overdraft fees reversed, supposely they over turned the decision to apply fees to my account because the company states they had information from my card that only the card hold could have and since I did not pay the overdraft fees, I am charged original $37.00 fees on two items and then $10 every 5 days I don't pay. So, now I am up to $300 plus in free money to the bank, that already can afford to be happy this holiday season.

  • Kymberly T January 27, 2010 at 5:10 am

    I am furious with PNC bank. They decided to "freeze" my overdraft protection fund (which still has money available to cover overdrafts) but did not alert me. A 7.72 charge actually bounced and i was charged a hefty $36 which had a terrible effect and caused over six checks to bounce. I was charged twice for each transaction—$36 for the overdraft and then another $36 for the return. I have documentation and have been charged over a thousand dollars in fees. When I told them I had not idea they had frozen the account. They researched and said they sent a letter to a very old address they had on file for me and it was returned to the bank as "undeliverable." However, I receive mail at my new address for all my other accounts with PNC Bank. I was told that when I moved, I did not call and "change" that particular account's, alerting them to my current address, but my bank has my current address and sends me statements regarding my checking account and also another personal loan account set up the same day as the overdraft protection account. It does not make sense. I feel really burned and politely shuffled around by the Branch Manager who refuses to reimburse me. Please advise. Please help.

    • admin January 27, 2010 at 6:05 am

      Hi Kymberly, Thanks for sharing your PNC experience. While I don't have all the information regarding you situation, something doesn't sound quite "right" here. If you've already gone to the branch manager to no avail, your next step may be to start "climbing the ladder". It's just a matter of how much energy you have–but for what you say is "over a thousand dollars in fees", well, that would be worth my energy! So you need to track down who the branch manager reports into. Of course, you can always skip a few levels and go straight to the top–you'll find the executive team for PNC on their website (usually under the "about us" or "corporate" links). Sadly, when there seems to be no real resolution on a legitimate complaint, the "squeaky wheel" approach is what one has to resort to–and many times it's what gets results. If you've truly tried to resolve the issue with the bank itself–and you have all your documentation–that's key–you can file a complaint with your local Better Business Bureau office–they work with consumers to resolve various consumer complaint issues. It's no guarantee, but it's another option for help. The BBB's website is and you can simply follow the instructions for your specific location. Finally, while PNC is not one of the banks listed here as being involved with excessive overdraft fees, does track this issue and report on updates, so you may want to read this information and bookmark the page for further updates.

  • Lorena February 24, 2010 at 4:08 pm

    I am looking into starting a class action lawsuit against the banks. I would like to start getting a list of names and emails at first, eventually they will require more information. I have an account at Bank of America. They changed they system or policies most likely their systems and I have incurred $200 worth of overdraft fees. My favorite part is when they charge you the $10 overdraft transfer fee then another $35 nsf fee when that transfer amount isn't enough. Also I wrote a couple of checks i forgot about, but there was a fee that was pending the day before, so instead of 2 fees they charged me 3 fees. But according to their new terms they start charging fees based on pending wd that come in and cause the balance to go into a negatiave "available" balance. That being the case, the charge that was pending had enough funds, it wasn't until the 2 checks that cleared did my account get overdrawn so I should have received 2 fees not 3. I'm tired of banks making up the rules as they go along and just like the credit card companies the banks should have fairer rules. I found one case but haven't really looked at the particulars, actually there have been many class action suits that get settled before they get too far.

  • Rob February 26, 2010 at 1:06 pm

    I switched from Bank of America to Wells Fargo because of this issue hoping it would be better somewhere else, not so. Apparently this is a total scam that all of the banks use to steal from the poor and give to the rich Finance guys. In the past week and a half, they've managed to charge me $700 in fees, mostly for charges less than $5. I hadn't used the account and my wife didn't realize that we were overdrawn. If everything is tracked in a database and always updated, why is it that the charges weren't just declined? Well, it seems they allow the charges through just so the banks and Finance guys can fill their pockets. It's just not right. For those of us struggling already, this hurts. It affects our ability to put food on the table and pay our mortgage. If I was rich yeah I could afford to pay the fees, but I'm not, so why not make a big problem worse for us struggling folks? This is the type of issue the lawmakers should be looking at, instead of wasting our tax money on non-important things!!

  • Bob D March 25, 2010 at 10:40 am

    I have had similar problems that Kimberly had involving PNC bank. While they did not freeze my overdraft protection, they were holding deposit's and transactions. Because they were holding check card transactions, some for several days, which I felt was odd, it was causing overdraft fees.

    They were taking out larger transactions leaving smaller ones sit. The smaller transactions would then catch up with their "magical" banking date causing a negative balance which in turn would cause the overdraft fees.

    The deposit's that were made prior to the overdrafts the never seemed to work on the same system. For what ever reason the deposits were held until after the overdraft. Some transactions would snowball causing more fees.

    I did attempt to rectify the problem and regain the fees that were taken with PNC employees, including employees which they told me were higher in authority then them, however none of them wanted to hear it or refund the fees. I have stopped trying.

    I just find it really odd that we live in a society that is instant until it comes to the banking system benefitting from your money being taken from you. Truly a legal way to steal. I have always closely monitored my banking online to avoid such fees, however I feel they make that just as confusing which in turn caught me into their fee trap on three occasions.

    I did find that if you use you pin number at stores that accept MAC/Visa Check Card, the money is taken from your account "instantly" which shows up online. Bank employees never told me this, WHY? Why can't this happen with a visa check card transaction that show up days after the transactions? Why can't this happen with your deposits that aren't available until days after it is made? Fees were over $150.00 for 3 transactions in one day that totaled less then $12.00.

    On another note, the reason why I'm posting this is because I also have a loan with PNC. This loan is automatically paid every month by auto draft and it has been that way for the past 5 years, never late, no problems, no late fees.

    Sometime in February my wife called to suspend the the auto payment for one month for fear of our deposits being held to avoid overdraft fees. Now February had 28 days and the payment was always scheduled on the 30th of each month.

    PNC wanted their money which in turn caused a late fee for the loan payment. I want to add my wife is not named on this loan, don't get me wrong, I do not have a problem with her involvement in our finances. What happened was she had suspended the payment and then called sometime after to have PNC take the payment out, however she was too late, thus the late fee.

    My wife figuring the payment was made after calling was watching for it to be deducted from our account but didn't think anything of it when it wasn't because as stated above transactions rarely show up immediately when they are deducted. We are talking a weeks time.

    Because the payment wasn't made PNC began to call my work. After I contacted them I learned they never took the payment out, reason, my wife wasn't authorized to make the payment. HMMMMMMM. My first call was to make the payment, I did so and told them not to take the late fee out. I was angry about the late fee and wasn't going to pay it. The lady was happy take the payment and did not kick up a fuss over the late fee.

    I then called my wife and learned that she had called them as stated above. I then called PNC bank a second time to inquire about the late fee. I felt they were too easy to accept the payment less the late fee and my concern was were they going to charge me interest on the late fee. In a nut shell after them telling me they kept logs and calls were recorded and because my wife had suspended the payment the fee would not be retracted.

    Several transfers later, because nobody can seem to answer easy questions or pull information from the almighty computer system unless it benefits them, a male who was throwing dates of conversations out at me stated my wife was authorized to make decisions on the account. At that point I asked him to look at his computer for the date that request was made.

    You see, I added my wife as an authorized user when I called the first time to make the payment. After the male realized this he provided a lame excuse and still advised me he was unable to waive the fee. The male added he only saw the fee waived 2 times during his time working there. He did feel if I called the bank, which I thought I was talking too, again only when it benefits them, they would waive the fee.

    I then asked him if I didn't pay the late fee would I be charged interest; he replied yes. I then asked him why the the lady didn't tell me that when I made the payment; he stated she should have. I paid the late fee and refuse to call anybody else at PNC bank. Late fee $67.14.

    I don't normally post blogs, as a matter of fact this is the first one, but I am tired of banks, credit card companies, utility companies, and cell phone companies taking advantage of the people that made them successful. It needs to stop.

    Not to get political here but these are things that should be regulated and I'm sorry when they do regulate some of them it should take effect immediately and not allow them 8 months to figure more ways to suck more money from you. I do believe in strength in numbers I and hope my post will add to the similar posts in an attempt to change the way the banks do business. Bob.

    • admin March 25, 2010 at 1:56 pm

      Hi Bob, Thank you for your comment–and for explaining your experience with bank overdraft fees (and late fees) with PNC Bank. As you've seen, you are certainly not alone. While some banks have begun to change their policies (and practices) regarding when and how they post transactions, it has not been universally addressed–and should be.

  • Kim H. M. April 14, 2010 at 6:40 am

    Hey there: Got a really BIG beef with M & T bank for over $5000 in overdraft fees over a two year period. Resulted in us ruining a travel trip, falling behind on our lease and having to go to charity sources to literally replace the rent monies the bank stole from us. I'm in….we could even be class rep with these facts.

    Moved to TD Bank and what they do is take a business check deposit, fail to show the deposit, lock up your account for over four months and get fees out of you that way. Called Canada where bank is Inc.; still no resolve; DO NOT GO TO TD BANK; they are just here in the states for the "big get" until they get "caught" and then will scoot back over the Northern border.

    Check out NYU Stern School of Business; they have the info on TD Bank; they are "politically" connected on the Hill (DC) via Harvard (Obama; hey, I voted for him, not against him, just the gig) AND that TD is currently under "investigation" in DC. Somebody do something; I have the records proving my claims.
    Kim and Richard

  • Mel June 3, 2010 at 1:19 am

    Can someone send me info on the class action suit, I had 6 NSf fees last week 5 on Redbox $1.06 overdrafts and one on a $.99 I tunes….Due to the overdraft fees it spiraled into this week, sending me in to 2 days of 6 fees each then they pushed off the 2 transactions that were over the 6 NSF limit to the next day so that I would incurr 2 more. UGHGHGHGHGHG The ones last week, I actually had a balance of negative one cent, and was charged!!!! Even the neighborhood grocery store will lend me a damn penny out of the give a penny take a penny!!!!!

  • Mel June 3, 2010 at 1:23 am

    I say M&T stands for Money Takers!!!!!!!

  • jeanne January 16, 2012 at 11:48 am

    I am interested. Although they've changed their practices, those fees of 37 are excessive – and the way they continue to order the debits still sucks. I've had hundreds "stolen" from me in overdraft fees with never a clear explanation as to how it happens. The overdraft fees pushed me into further overdrafts on the account. some months the debits are arranged as they occurred; others, they go from highest to lowest.

  • A F "Bob" Blair Jr March 23, 2012 at 6:59 am

    .I didn't read all the woeful complaints above, but I am researching (as a consumer advocate) the issues in the Given's case, which I just read last night. Although I have not found all the data, one overdraft stands out for analysis. Given was charges $37 for a $12.08 overdraft. apparently the bank is not required to express an annual percentage rate on that "so-called" loan. Normally, overdraft must be paid within 7 days. If it had to be expressed, in keeping with the current method dictated in the Truth in Lending Act of 1968, Appendix J of Part 226,(b)(1) the nominal APR by multiplying the rate for a period by the number of payment periods in a year, then that NAPR would be 15,970.91%, calculated as (using Excel mathematical notations) (37/12.087)*(365/7)*100. Shocking !, you think! Ah, but friend, the method of expressing the APR is the mathematically-true, compound (Excel character ^) method which is 5,557,870,030,095,300,000,000,000,000,000,000%, totally "unconscionable" in accordance with Maryland law. What did the bank suffer by the overdraft? NOTHING! Bookkeeping wise there was a debit to the assets “deposits” and a debit to the liability “owed to depositors”…. the bank's “New Worth” did not change. I hope I can find Given's attorney to tell him of this esoteric information! .

    • A F "Bob" Blair Jr March 24, 2012 at 10:30 am

      Oups! I did not show the calculations on the compounded APR and wrote a slightly-off compound number, which is correctly 5,578,700,300,905,300,000,000,000,000,000,000% calculated as (((1+(37/12.08))^(365/7))-1)*100.

  • Jeffrey Jacobsen May 16, 2013 at 3:15 pm

    I recently discovered my bank (M&T) had charged me an insufficient fund fee. I had deposited a check from a hardship withdrawal of my 401k plan through ALCOA. I’ve been on FMLA for over 5 weeks and won’t return until the 21st of may in 2013. I also transferred funds from one of our other M&T accounts prior to making payment arrangements for our mortgage in May. The total balance after the deposit and transfer was over 1700. But according to M&T since my 401k check was issued from a bank in another state it made the available balance inadequate to pay the mortgage. So after the ”dust'” settled. I’m left with a little over 700 dollars. So to review the account had 210+1090+420 that equals 1720-835 =885. Minus the 38.50 insufficient bologna fee =846.50. This all occurred within 2-3 business days max. Going to start using money cards and money orders. I just want my money back. I know I won’t see it. So I guess it’s a lesson that cost me 38.50 to learn. Banks are run by thieves and liars. Interesting, since the first banks known in history were established by the same people that allegedly murdered Jesus.

  • Mary, M&T, Md. July 7, 2013 at 4:56 pm

    I'm really worried after reading what's happened to many banking with M&T. Here is my situation, I have not been using any of my accounts at M&T except paying cash at drive threw window, I had noticed fees coming out of my checking and I was at a balance of $17.00. So i asked the bank representative at the drive threw when the fees would stop, she said when you are down to $5.00. I had been planning to close the accounts due to their ridiculous fees of .50 cents each for using my pin to pay at checkout locations. Back to closing accounts I had to come in and talk to someone. I take care of my mother full time and get out very little so I haven't been able to go into the bank. Meanwhile the service fees continue and I've been under 0 for three months now. They have not notified me that fees would continue and that I would be charged over draft on each of their fees for three months but also $10.00 every five days for each fee, now three. I have a terrible feeling this is going to be a nightmare. We live paycheck to paycheck and have no health insurance. My checks being disability/SS once a month just over $1,000 my Husband works for a temp agency so we are broke. What has America turned into to allow this kind of practice? Very scary.

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