Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
This has had a MAJOR impact on my life. Time, stress, financially and credit have all been affected. As of XXXX, under Massachusetts Clause XXXX Exemption, I have been 100 % exempt from paying property taxes due to my husband 's death that was 100 % service connected to the military and I am his widowed spouse who has remained unmarried since his death in XXXX. In XXXX, my account was sold to XXXX. They processed the exemption and honored it until XX/XX/XXXX. Since then, with all the proper documents, the started to disburse tax payments to my XXXX XXXX, who then in turn would return them and XXXX would take a long time to turn around to update the credit to my account. They made XXXX disbursements XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX, XXXX sold my loan to M & T Bank in the midst of all this mess. M & T Bank has not made this any better as they have continued to process disbursements too even with the proper documentation that says I am exempt. I have made NUMEROUS attempts to resolves this, including an attorney, the XXXX, my senator, the President of the Mortgage dept in Massachusetts. NO XXXX will successfully help me. MANY phone calls to the XXXX department of M & T Bank and they told me that what is on my statement is correct to just pay up! I have had the escrow department review it and say it is indeed NOT correct. It is beyond stressful. I have many late fees, a major impact on my credit report and my loan is in default yet I have made every correct monthly payment that should be due without the property tax included. I am not behind in payments. They won't take the time to thoroughly go through my account and applied the payments properly so instead that makes me look behind and making my account in default and have bad credit. I am tired of dealing with this. Its been well over a year of being mistreated. I have SO many documents I don't know where to start but I will start with the exemption letter. I have also attached the latest mortgage statement. 
I would like to provide more information to support that I do not owe outstanding payments. My account is NOT outstanding. I have bank statements to back up my payments that were made each and every month through this whole ordeal. They need to go through my account thoroughly. 
Below are the payment dates and amounts. I have the bank statements to back this up which have been attached. I am so irate over this, it is physically making me ill. 
XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00}

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