Mortgage -- Trouble during payment process -- Complaint #12749194
Complaint Overview
Complaint ID: 12749194
Company: M&T Bank Corporation
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
Sub-Issue: Trying to communicate with the company to fix an issue while managing or servicing your loan
State: South Carolina
ZIP Code: 29418
Date Received: 2025-03-30T12:00:00-05:00
Date Sent to Company: 2025-03-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> M & T Bank Customer Service DepartmenXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear M & T Bank Customer Service XXXX I hope this letter finds you well. I am writing to request your assistance with removing or adjusting the late payments reported on my mortgage account. These late payments occurred during a particularly difficult period when I lost my job, which severely impacted my financial situation and my ability to make timely payments. Since then, I am happy to report that I have secured a higher-paying job and have regained financial stability. However, I am currently facing challenges in advancing professionally due to the negative impact these late payments have had on my FICO score. Potential employers are now reviewing my credit history, and as a result, I am being turned down for job opportunities despite my improved financial situation. I understand that I was responsible for making the payments on time, and I deeply regret the inconvenience caused. However, I kindly ask for your consideration in reversing the late payment entries as a gesture of goodwill. This adjustment would provide me with a second chance at a positive credit rating and could significantly improve my ability to move forward with both my career and financial goals. I have always valued my relationship with M & T Bank and have made consistent, timely payments since overcoming this hardship. I am confident that this issue will not arise again, and I am committed to maintaining a responsible account going forward. Thank you for taking the time to consider my request. I would greatly appreciate your assistance in removing or adjusting the late payment marks, and I am happy to provide any additional information or documentation if needed. Please feel free to contact me at XXXX or XXXX. Sincerely, XXXX XXXX XXXX XXXX loan number
Frequently Asked Questions
What is Complaint #12749194 about?
Complaint #12749194 was filed against M&T Bank Corporation regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2025-03-30T12:00:00-05:00.
How did M&T Bank Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against M&T Bank Corporation?
Yes, visit the M&T Bank Corporation company profile at readthecomplaint.com/company/m-t-bank-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.