Consumer complaint received 2026-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
CRITICAL NOTICE : This is a new complaint regarding ongoing federal violations, deceptive loan servicing, and explicit CARES Act / FCRA violations originating from closed CFPB Case Number : XXXX. I am filing this complaint against M & T Bank due to illegal credit reporting, RESPA violations, active Fair Credit Reporting Act ( FCRA ) violations, and defective disclosures following a completed forbearance period. 1. Severe Credit Reporting Violations ( CARES Act & FCRA ) On XXXX & XXXX XX/XX/XXXX, I called M & T Bank to request an extension of my forbearance. The bank failed to process it. Due to their internal delay, the request had to be resubmitted on XXXX XX/XX/XXXX. The SPOC ( XXXX XXXX, ext XXXX ) confirmed that I did my part by calling and requesting the extension in a timely manner and stated that she saw my extension request. She stated no one processed it and apologized for this mistake. She immediately resubmitted during the call on XXXX XX/XX/XXXX. When I called for a status update, M & T Bank said the extension was not approved yet. On XXXX XX/XX/XXXX, M & T Bank finally informed me the extension was approved and stated I could agree to the terms over the phone. I never received any letters from M & T Bank dated XXXX, XXXX, or XXXX XX/XX/XXXX. My forbearance period was active in XX/XX/XXXX and officially ended XXXX XX/XX/XXXX. Despite being in a legally protected forbearance plan for the month of XXXX, M & T Bank reported me as '30 days late '. Under the CARES Act amendments to the FCRA, servicers are strictly prohibited from reporting an account as deliquent during active forbearance. Futhermore, I successfully made two full mortgage payments on XXXX & XXXX XX/XX/XXXX ( see attached payment records ). M & T Bank held and suppressed these payments, failing to report them to the credit bureaus until the end of March/beginning of XX/XX/XXXX. By intentionally withholding my XXXX payments by over a month and reporting an illegal deliquency in XXXX, M & T Bank manufactured a false credit disaster on my profile. 2. Defective Disclosures & Paper Trail Fabrication ( Backdated Letters ) M & T Bank 's previous response included copies of letters dated XXXX, XXXX, and XXXX XX/XX/XXXX. I formally state under penalty of perjury that I never received any of these letters in the mail. I firmly believe M & T Bank backdated these letters after the fact to manufacture a false compliance paper trail. To prove my address is correct in their system, I did receive their letter dated XXXX XX/XX/XXXX. I signed and faxed this letter back to M & T Bank from the Branch on XXXX XX/XX/XXXX ( see attached ). Futhermore, the XXXX XXXX letter they provided is legally defective under RESPA Regulation. It merely stated that my forbearance ended, but it completely omitted the actual effective end date of the forbearance. Providing and end of forbearance notice without a specific date deprived me of a clear payment timeline. No payment timeline was provided. 3. M & T Bank has failed to provide me with a physical copy of my official escrow analysis document as requested. My escrow balance as of XXXX XX/XX/XXXX is {$5900.00} ( see attached ). With inaccurate escrow balance previously reported, I formally reject their offer to divert my escrow balance that was caused by their own operational delays and illegal reporting. Once M & T Bank provides a full line item escrow analysis document and accurate balance, I will consider the offer. Requested Resolution : M & T Bank must correct the false XX/XX/XXXX credit reporting timeline to reflect that my payments were fully met in XXXX and delete the inaccurate late payment marks. M & T Bank provide the full physical line item escrow analysis document immediately.

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 explanation