Consumer complaint received 2025-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
I am disputing the servicing of my mortgage by M & T Bank due to repeated misapplication of payments, improper escrow management, and false credit reporting. 
In XX/XX/XXXX, M & T Bank paid a supplemental clean-up bill of {$11000.00} from my escrow account. This was not a property tax, but they applied it anyway, creating a shortage that nearly doubled my monthly payment from ~ {$500.00} to ~ {$800.00}. Despite this, I continued making payments, including two in XX/XX/XXXX. XXXX of those XXXX payments was never properly credited it was either absorbed into suspense or applied backward. If credited correctly, it would have covered the XX/XX/XXXX installment. Instead, M & Ts records falsely show that XXXX remains unpaid. 
From that point forward, my account has been reported delinquent every month. My receipts prove I paid in XXXX, XXXX, XXXX, and XX/XX/XXXX, yet by XXXX and XX/XX/XXXX my statements still showed XX/XX/XXXX as the last paid installment. Although I do know I was one payment behind my self, I have been to the bank to make a good faith payment they wont except and plan to make another in two weeks. Making me only the payment I know I was behind and the one the bank didnt apply. 
Payments I made in XXXX were not credited until months later ( XXXX posted in XXXX ; XXXX posted in XXXX ). This created the appearance of 90-120+ days delinquency when in reality I was only behind one acknowledged late payment plus the dissolved XXXX payment. 
Since XX/XX/XXXX have consistently made payments and have all the receipts to show this. 
On XX/XX/XXXX, M & T sent me a letter claiming there was no bank error. Yet on XX/XX/XXXX, they suddenly accepted a payment, contradicting their own position. This reversal only occurred after I filed my CFPB complaint, suggesting payments were only applied correctly under regulatory oversight. 
As a result, my credit report has been severely harmed. XXXX XXXX shows only 43 % of payments marked on time, with my status listed as 90119 days late, even though I have receipts for payments made. 
I request CFPB require M & T to correct my loan ledger, remove false fees, fix credit reporting, and review my loan for modification to reconcile these errors. 
XX/XX/XXXX {$11000.00} clean-up bill charged to escrow. 
XX/XX/XXXX {$500.00} payment made. 
XX/XX/XXXX {$500.00} payment made. 
XX/XX/XXXX {$500.00} payment made ( never properly credited ). 
XX/XX/XXXX {$810.00} payment made under new escrow amount. 
XX/XX/XXXX {$790.00} payment made. 
XX/XX/XXXX Bank letter denies any error. 
XX/XX/XXXX Payment accepted and applied ( after CFPB complaint ). Stating no issues when clearly there is. 
XX/XX/XXXX Statement still shows XX/XX/XXXX as last paid installment. 
XX/XX/XXXX XXXX payment finally posted. 
XX/XX/XXXX XXXX payment finally posted. 
XX/XX/XXXX XXXX XXXX shows 43 % on-time history, status 90119 days late.

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