Forum:Cosmo vs chaos zone vs xyz material

Ok so i been told when fissure is on the field and chaso zone and a xyz material was sent to the grave it goes to grave and if its cosmo its gets banish because cosmo states its banish any card. But materials are considered material when they are being detached not when they hit the grave and/or banish zones. So for example if i tribute an xyz with 2 material on it, with cosmo on the field and chaos zone. Why dont i get the counters? They are consider monsters when they hit the banish zone and thats when chaos zone get its eff I understand with fissure they dont becaude they are material they never make it to he banish but cosmo banish anything which they turn into monsters in the banish zone so that means chaos zone gets its eff. And there is no such ruling that i have found stating against my logic.so plz tell me. Excuse my spelling.