Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I lost my job in XX/XX/XXXX due to the hurricane. When I contacted M & T Bank to advise them that I lost my job due to the hurricane, because my home was part of the FEMA 's disaster area ( XXXX XXXX ), they mentioned that I would qualify for a 3 month Disaster Relief forbearance that began XX/XX/XXXX. On XX/XX/XXXX, I contacted M & T Bank to let them know that my circumstance haven't changed. They extended the Disaster Relief forbearance for another 3 months until the end of XX/XX/XXXX. 

XXXX XXXX, I contacted M & T Bank to let them know that I haven't found another job. They approved another 3 months and advised me to call XXXX to let them know if things changed. In my conversation, I confirmed that my credit and penalties WOULD NOT be effected. They assured me it would not because of the Disaster Relief Forbearance. 

XX/XX/XXXX I called in for another extension as things haven't changed. The rep stated that she would submit my request to extend the Disaster Relief forbearance another 3 months on the account. 

I didn't hear from anyone on the approval, so on XX/XX/XXXX I called to follow up with the approval and another rep stated that the previous person only " notated the account '' but didn't submit the request for the 3 month extension ( effective XX/XX/XXXX ). She stated that I was okay with extending the Disaster Relief Forbearance for XXXX, XXXX & XXXX since I called before the end of the month, but that the they will not extend beyond XX/XX/XXXX because they can only do a total of 12 months and that we would have to look at additional options. Keep in mind, I CONTINUALLY confirmed that my credit WOULD NOT be affected ( XXXX, XXXX & XXXX 's conversations ). 

I have been waiting for a letter of approval. I received notification via email that M & T Bank reported delinquency on my credit and my score dropped to XXXX. On XX/XX/XXXX, an M & T rep called me to state that they didn't approve XXXX, but I was approved for XXXX, XXXX, & XXXX. He also confirmed that M & T Bank notified the credit bureau of the delinquency since I wasn't on the Disaster Relief Forbearance program. THIS IS A LIE AND DECEPTIVE! 

I request that all recorded calls be pulled from my 5 conversations whereby the rep stated that I was covered under the Disaster Relief Forbearance and that my credit WOULD NOT be affected, no late charges or interest would be added to my account. 

On XX/XX/XXXX, the rep from M & T Bank called me and we discussed that Underwriting approved the XXXX, XXXX AND NOW XXXX Forbearance, but that XXXX didi n't apply. As I mentioned about ALL the conversations I had with M & T Bank assuring me that I was protected and that I wouldn't have any adverse reporting against me, he stated that he would resubmit to Underwriting to see if they would " include '' XXXX. I don't want to include XXXX with the new approval. I am NOT asking for another month beyond the 12 months. THEY PROMISED ME THAT IF I CALLED BEFORE THE END OF THE 3 MONTH EXTENSION THAT I WOULD NOT BE NEGATIVELY EFFECTED. 

What sense does it make to skip a month ( XX/XX/XXXX ) in the approved 12-month Disaster Relief Forbearance?! 

I was promised that XXXX would be included. Now, my credit has been hit negatively and I am delinquent. Even though they approved me for XXXX, XXXX, and now XXXX, I don't want another month! XXXX MUST BE INCLUDED and my credit needs to be reversed. 

Pull ALL THE RECORDED CONVERSATIONS! You will see as the consumer I am right. Every conversation BEFORE the end of the month, they promised me that my credit WOULD NOT be effected!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief