I use my Macintosh for both personal and work. It is my system.
I have had been using Apple Mail as my unified email client for many years, with aboutSince upgrading to Catalina, with 7 POP and 2 IMAP and 1 Exchange accounts. I have about 70k messages organized into I don't know how many local mailboxes (including emails migrated from my UNIX days). The client is set to check email once per minute. I have been running relatively problem free for most of that time. Occasionally, the client would, for some unknown reason, lose a password despite it being in the keychain. Who knows.
But, with Catalina, with the 10.15.0 release, all **** broke loose. Exchange stopped work at all; I had to use Microsoft's Outlook client. My POP services started sending me emails saying my client was logging in multiple times per second and that they would temporarily shut me down if it kept up (it did and they did). Or, the services would send me emails that saying that there were too many failed logins so, for security, they have disabled my account.
10.15.1 got slightly better. 10.15.2 is relatively stable but I am still occasionally getting those errors from my POP service providers and Exchange does not work well..
The Exchange capability on the Apple Mail client is still problematic. The Apple client seems to fail to update the Exchange service when messages are read or deleted; however, it does get updates when messages are read or deleted by the Microsoft Outlook client.
Completely deleting the Exchange account and adding it again does seem to, as others here have said, restore operation - for a while.
Bottom line: Apple has damaged one of the most critical utilities on MacOS. There needs to be much much better QA on such an important tool.
I hope 10.15.3 is better.