I had a 2016 Ford Focus and M&T Bank financed my car... My husband died, while they seemed helpful in getting everything into my name after he died... they took advantage of my situation and grief...little did I know exactly how much they were screwing me, as a new widow at the branch. According to Credit Karma, I was paying 50% more money than people with the same credit score. Now, I knew they were screwing me refinancing my loan and lowering my payments, but it lowered my payments and my husband just died. I just didn't realize they were backstabbing me by 50%. My car got totaled I have to get a new one and M&T refused to continue business after gouging me. I raised my credit score, got into a program for my student loans and cleaned myself up after my husband died. I bettered me and M&T was too interested in keeping my business. All my do diligence to clean myself up was for nothing. I was even paying more on my loan, as I was told there were no penalty for early pay off! So I looked at refinancing my loan I could have been paying 3% for less time... that what M&T had me on...After looking at Credit Karma today, I will NEVER do business with M&T again. I wouldn't recommend them to anyone... go anywhere else!!! Seriously. They don't care about their customers or their reputation. read more