21ST MORTGAGE CORP. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
01/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 320XX
Web
XXXX XXXX XXXX On XX/XX/XXXX, I called 21st mortgage which is were my home is financed in my fathers name but, I am on the title and make all the payments.. I have been doing business/ making payments with them since XX/XX/XXXX. I called because my county had just been devastated by hurricane Irma we were declared a national disaster area. I was out of work for 2 weeks I am XXXX XXXX we had no power for over 2 weeks. I spoke with XXXX about any programs they have to help people who have devasted by the hurricane he said they did have a couple of options I could look at but needed to confirm talk with a manager he then got XXXX on the phone. let me say by far XXXX and XXXX were the nicest helpful people I have ever worked with.. they asked what had happened which of course they were aware of the hurricane so I explained that I had been out of work no power I 'm a XXXX so it took more than 2 week to get back to work and when I did people in our county was still suffering so we are actually still just getting back to normal. they discussed 2 plan options with me because there company would must definitely help customers who have been affected by the hurricane. I asked how the programs work and if it would affect my credit because I was very credit conscience I had a perfect pay history with them and did not want that affected they assured me it would not they would not penalize customers who had been in a national disaster. I said ok please email the options so I could look over and see which I thought would work best for me and my family and they did. the option I chose was to pay {$100.00} extra with each payment I made until I could catch it all up or until the XXXX $ payments had added up to the payment. they were going to let me skip a payment that month and each month the {$100.00} would go into a account and when it added up to the payment it would clear it out. I said again will this affect my credit and I was told absolutely not just add the {$100.00} when you make your payment. I thought that was so helpful other companys were doing deferred payment till the end which is what I wanted to do. car companys everyone was working with us and everyone who had been affected by the national disaster. when it came time to make my payment the guy who handled my acct XXXX called and said I had to call and make the payment each and authorize the {$100.00} being taken out. I had previously made all my payments on time and I did them online. so when it came time to make my payment I called XXXX and set it up I asked him again how this worked and made sure it would not affect my credit. he said they had to report it to the credit bureau for being 30 days late because of the payment they let me skip and I said no that s not what I told I was assured this when not be reported to the credit bureau as late he said they had to but, because it was a national disaster it would be reported differently and would not affect my credit the same as showing 30 days late which I have no clue I believed them reluctantly and when on with the payment and the extra XXXX.. the next month my acct was given to XXXX XXXX so I called to authorize my payment and extra {$100.00} and she told me if I did not do it on the XXXX it would be reported late which I did not understand I was making my payment on time and the extra {$100.00} was being put in acct she said no basically there showing me late every month if not paid by the XXXX ... my due date is the XXXX I have made ALL payments around the XXXX XXXX that 's just how my pay checks fail never been a promlem they have a 10 day grace period and does not affect you in anyway to pay then ... XXXX so I advised her I had for 2 years made my payments the same time and the aggrement was to pay {$100.00} extra when I made my payment not you have to have it done by the XXXX I assumed because it had never been a problem when I made my payments why would it now ... she said she had to get a manager on the phone which was XXXX XXXX he was the rudest person he said when are you going to catch up your payment are you getting taxes back I said I am doing exactly what 21st mortgage made a agreement with me to do and I was going to catch it up as soon as possible because every month I called it was something different so I authorized the payment ... ..the next month which is the month I received a email from XXXX that I needed to call a make arrangements to catch up my payment because my acct was late. I emailed her back and said I have to go thru this every month I have a agreement with 21st mortgage and I am doing exactly they told me to. I would call the XXXX to authorize payment like I have paid for 2 years.. she sent me another email that said I was in default of my agreement if I did not call that day and schedule payment. once again I emailed her back and said no my agreement was to make {$100.00} extra when I made my monthy payment and I made my monthy payment the same time every month for 2 years. I said I do not understand why you are harassing customers who has paid perfectly for 2 years .. she then emailed me back and said you have not paid perfect you made 1 payment on the XXXX the others were made during the grace period.. so I said it is y'alls grace period and I have never been late and I pay the same time every month after her being so rude every month being harassed and every time I called it had changed, I decided I had enough it was enough we had been hit head on by a hurricane still recovering from that and all the stress that came with itand being that I had made every payment on time could not figure out why I was being treated this way ... so I called and asked if there was a manager or someone in charge I could talk to and they connected me with XXXX who they said would take care of any problem I have. so on Monday the XXXX I spoke with XXXX explained that I had a agreement with 21st mortgage a plan they emailed me to do and every month something changed 1st its not suppose to affect my credit and the way they were doing it they were showing me late every month when I was told the {$100.00} was putting in acct and when the amount reached the payment they would move it over. ofcourse he said that s not how it works it works we just put that in acct and still show your a payment behind each month if you do n't make your payment by the XXXX. I said no my agreement with 21st mortgage that they made with me was to pay the {$100.00} extra when I made my payment I made my payments the same time for 2 years so you know when I make my payment around the XXXX. he said well there was a misunderstanding we thought you would make your payment by the XXXX I said no iv paid the same way for 2 years in know agreement I have made says anything about a date it had to paid by and the way my pay falls its always around the XXXX I said soo that 's max 10days different but, yet your showing me late every month why do n't change my due date since its the same time iv paid for 2 years he said no they could not do that, so I said basically your not going to do anything iv been lied to over and over my credit is being affected because I was affected by a national disaster that I did not have any control over and was told you wanted to help customers who have been affected and this is not helping them,, he said well there was a misunderstanding I said well your agreement did not say I had to pay by a certain date since you were looking at my acct you knew I had paid the same time for 2 years ... he said well if we would have known you were not going to make your payment till the XXXX we would not have done this agreement. I said so were talking 10 days the same time iv always made my payment and perfectly for 2 years you would not have helped a customer devasted by a hurricane that s unreal ... so here we are today,,, ,1 > they are showing me late every month when I was told it would not affect my credit and to make the extra when I made my payment as usual no date mentioned 2 > every time I called they were so rude and changing the agreement basically harassing there customers and they made the agreement.3 > i would never use or recommend 21st mortgage to anyone. all the other companys were so nice and helpful competley under stood we were not responsible for a national disaster ... esp customers who had paid perfect for 2 years. it just blows my mind the way this company treat going paying customers, and then send them a agreement that they arranged and every time you called it was different.. and this all over {$900.00} payment which i have money in there escrow acct so they know they have the money theres no need to show I 'm late .... my payment started off as XXXX $ then went up to {$900.00} i never complained they gave me no reason i just keep paying and paying on time ... ..they need to explain to there rude employe XXXX that when they set a grace period and you utilize it your still paying your payment on time ... so i pulled the credit bureau sure enough they are showing me as making late payments when i m doing exactly what the agreement they made with me ... and the manager is not going to do anything i said you would think you would want to help your good paying non complaining customers or most companys would.. i called around to see what different companys were doing for people affected by a national disaster and explained what was happening with me not 1 company could believe they were treating a customer with good pay history that did not ask to be hit head on by a hurricane. so i decided to send this complaint and contact BBB to see if anyone who does have any say with this company knows whats going on ... i read the reviews and obviously I 'm not the only 1 i assumed it was customers who they had had promblems with or never paid on time that they were treating like XXXX but no its everyone ... they make you want to hook your mobile home up and take it back to dealer and say here call 21st mortgage if this is how they treat good paying customers who have been affected by a national disaster beyond there control over {$900.00} you can have it back ... ..now i know why a lot of people do that, you work hard all your life to build your credit pay all your bills on time and work with people but yet when you have to go through a national disaster and your treated like XXXX by this a mortgage company is unreal ... .... i guess the shocking part also, is how all the other companys work with there customers and are so nice .. never have been treated so rude lied to from any company in my life ... .and all this over a agreement they sent me to help people ... yea right more like harass..
06/11/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • IL
  • 61401
Web
XXXX XXXX XXXX XXXX XXXX IL owned by XXXX XXXX XXXX aka XXXX XXXX XXXX, sold mobile home to me XXXX of XX/XX/XXXX backdated paperwork to XX/XX/XXXX then XXXX XXXX XXXX refused to give me copies after signing ( I was already moved in and paid XXXX dwnpymt, utilities deposits, expenses to move etc ) and said XXXX would mail me copies but then approx. few days later she called saying I initialed wrong and sign again but whole new contract and refused to give me the original contract signed and again they would mail me copies ( mailed to me XX/XX/XXXX, recvd XX/XX/XXXX ). 30 days to report anything for repairs but maintenance had been fired and two weeks later another man XXXX hired and half of repairs never done nor power washing of exterior. XXXX drawn out repairs saying parts not here yet, parts not available then just dropped it all after a year of waiting went by. That is when pandemic had began and a work injury with XXXX and XXXX XXXX etc I had to go thru and wasnt returned to full duties at my employment until two months ago. I had tried to hire an XXXX but no one in this county wants to take any kind of case against XXXX. XX/XX/XXXX XXXX raised lot rent again and also trash service as well. XX/XX/XXXX, recvd letter XXXX was being sold or assigned ( believed to be sold ) along with their other XXXX XXXX XXXXXXXX XXXX in XXXX IL where XXXX was promoted to ( a bigger park ) the end of last year. Sold to 21st Mortgage taking effect XX/XX/XXXX. In XXXX despite all residences of both parks residents having paid their trash service, trash was not picked up for two and half weeks - assumed that XXXX did not pay the last month trash service for both XXXX XXXX, thus stealing money and harming tenants. XXXX sent letters of the upcoming sell and chg of where mortgage pymts to be made beginning XX/XX/XXXX AND that the contracts and all remained the same just who being paid would chg. 21st Mortgage started sending spam letters to sell insurance for the mobile homes to all residents. Then XX/XX/XXXX I received two different envelopes each with same one page letter dated XX/XX/XXXX from 21st mtg stating I had to have insurance and they were going to provide and charge me for it back dated to XX/XX/XXXX. I made copies of the contract page 3 of 5 showing I am not required to have insurance on the XXXX. Also, I made a copy of letter from XXXX XXXX highlighting the contract stated the same. Further, I made a copy of another page Additional terms of contract and security agreement Homeowners Insurance Acknowledgment Retsil Installment Contract Amendment that states specifically NOT requiring me to have/provide insurance on mobile home and I have the right to not insure it if I so choose. I mailed these copies along with a copy of XXXX Mtg threat letter recvd XX/XX/XXXX as stated previously by priority mail last Monday. While I was at work today, voicemail was left by 21st insurance dept that my mail had been recvd by them and that it no longer applied because they 21st, required insurance and I had contract with them now. I do not have a new contract nor did I agree to any of this. A year after purchase I found out this trailer had from previous tenant had hole cutout of huge part of kitchen floor. This was all remodeled with floor put in which apparently covered two heat/cooling vents that caused serious problems unable to heat when this year late winter our temp dropped to more than 20 below zero and stayed like that for approx 3 weeks. Also this sell of contract and reviewing contract and talking with new neighbor in XXXX next door that originally XXXX had said was exact same size and model make of trailer but the neighbors XXXX is slightly bigger and is a contract for 14x60. My contract is for a XXXX XXXX XXXX. Interior I measured at least 7 times, and it is 13x59. The kitchen cabinets have XXXX XXXX but another neighbor said they put those in. Further, the taxes to XXXX co Illinois I pay every year shows 14x64, 896 sq ft, XXXX XXXX but it is all a lie. The original paperwork during going to purchase mailed me shows a XXXX 14x60 is XXXX value for financing and a XXXX 14x64 is XXXX. So they committed fraud and changed measurements so I am paying on a trailer that doesnt exist and paying XXXX more than what it should have been. The trailer can not be insured because all the paperwork is fraudulent. I cant sell because this trailer doesnt match the contract size and sq ft. Disclosure wasnt given that if a trailer is 15 years or older and resident wants to sell, they have the discretion to refuse. Further the value fraud and increasing loan XXXX dollars more makes it impossible to sell because the size is falsified and incorrect and the value is almost half what I was charged. I tried to make police report and the XXXX p.d. Said no they wouldnt come out because it is a civil matter and no crime has been committed that they take care of. The sale paperwork is by another company affiliated with XXXX XXXX under same umbrella, The XXXX XXXX who sent paperwork Good Faith Estimate that states same interest rate and loan term with pymts of XXXX per month. The contract has same interest and loan term with pymts of XXXX. The paperwork now going over it, doesnt even match. It states in GFE there is no prepayment penalty but then the contract penalizes me if I pay off early that no interest is refundable. This prepayment nonrefundable interest also was never disclosed. The extreme damages and flooring replaced with a board put across not actually fixed correctly which shows now on the floor after two years living here and I am the only one here. I am a divorced single female over XXXX years of age near XXXX. At this point I have an uninsurable trailer that is unsellable because the trailer I am in doesnt exist and It is possible this isnt even as new as a XXXX, maybe not even an XXXX XXXX. I believe the fraudulent contract is criminal. Then XXXX unloaded their criminal actions onto 21st mtg who is slimy serpent in their claims they dont have to honor the contract not requiring insurance. I have not contacted 21st that this trailer is not as stated in the contract thus uninsurable because the trailer specified in the contract doesnt exist. It is obvious XXXX lied about size to up their profits. No one can make this trailer be four feet longer. The walls are four inches thick so it isnt even 14x 60 on the outside measuring it including siding and everything its short 1/3 ft. This is a 13x59 which and nothing like the 14x60 next door I seen last week the interior. They pulled those kitchen cabinets and replaced with new but not used from another trailer which is what I believe they did with this one. Yet their contract purchase is for a 14x60. Their trailer looking larger than mine inside may be the paperwork for this trailer at 14x60 and mine 14x64 May be their paperwork or maybe all their trailers are falsified to gain higher sales prices. The county doesnt check anything just takes whatever is mailed filed with the county as true apparently.
08/10/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 61604
Web Older American
This loan was predatory from the very beginning ( XXXX XXXX ) plain and simple. My wife and I ( XXXX citizens at the time of origination of the loan XXXX XXXX XXXX ) were rushed through the process at the time and did not know then, that we were being taken advantage of by all parties involved both XXXX XXXX XXXX, and especially 21st Mortgage Corp . However, the fact that we were exploited due to our lack of knowledge has become crystal clear to me at this point. The loan originated in XXXX XXXX. The national average mortgage rate during that time period was between 3.34-3.4 % - this is according to economic data provided by the federal reserve XXXX XXXX XXXX XXXX ). However, the rate of our loan was 7.85 % ( more than double, XXXX to be exact, the national average at the time of the loan processing and approval ). I was XXXX XXXX XXXX at the time and had no information or education provided to me on how these financial instruments work. In addition, my wife was anxious to move closer to her family at that time, and all parties involved new this, used it to their advantage, and rushed us through the process. Because of the way the process was handled, the agreement was an adhesion contract my wife and I had no bargaining power or room for negotiation. The documents were put in front of us for signature in a rushed manner as a take it or leave it deal. Due to a serious health issue, I was told by my doctors that I would have to move again ( as a matter of life and death, literally ). Therefore, we had to move back to Illinois within 6 months of the origination of this loan. When we relocated back to XXXX our niece informally took over making payments beginning approximately XX/XX/XXXX. We asked the mortgage company at that time if there needed to be any formal/legal changes made to the mortgage and/or title, to which they responded no. My niece continued to make payments, and 21st Mortgage willingly accepted payments, as scheduled for the next 9 years. Then, my niece missed a few payments due to hardship, mostly brought on by financial issues related to the pandemic and unemployment. And that is when the harassment began. The past few months have been a terrible experience. We have received aggressive, threatening phone calls and letters in the mail. And throughout this process, my niece continued to try to catch up on payments, only to have the payments rejected or sent back by the mortgage company with more threatening letters and phone calls. I still have health issues and my wife has passed away ( about 2 years ago ). The mortgage company never bothered to contact me about this or try to formalize any changes. I am XXXX XXXX XXXX now, and I can not deal with the level of abuse and harassment from the mortgage company it has an impact on my health and well-being. Because the mortgage company never bothered to make any legal changes to the mobile home title, or the financial instrument, they have no legal claim or right to pursue my niece in the nasty, disgusting manner in which they have been doing for months now. And I am in no condition to, nor do I have any interest in attempting to work with a company that treats this people this way now, and treated my wife ( deceased ) and I in the beginning. The deplorable behavior of the mortgage company is what lead me to do the research that lead me to Consumer Financial Protection Bureau because it is clear to me now that the entire process was predatory from the outset. And is now beyond predatory, it is harassment and abuse. Not only was the mortgage rate exorbitant, and should be considered predatory, but the value of the mobile home was also grossly overstated at the time of the loan. As per a study published by a leading national lender in XXXX of XXXX, the national median average of a mobile home was {$53000.00} XXXX XXXX XXXX XXXX XXXX. The mobile home is a XXXX XXXX XXXX. At the time of the loan, the mobile home was already XXXX XXXX XXXX! And was sold to us at the price of {$55000.00}. That is above the median national average price of a mobile home in XXXX! Now the trailer is XXXX XXXX XXXX, needs significant work/repairs and certainly is not worth anywhere close to either the purchase price or the national average according to the only authority on mobile home values- the XXXX XXXX XXXX XXXX XXXX XXXX ). Given that the value of the mobile home is so low now. And that approximately {$66000.00} dollars have already been paid on the financial instrument. Because the original loan document did not explain how much of the payment went toward principal and how much was interest I can not due a precise calculation of the allocation to each. But I know that we have both overpaid for the trailer and the interest cost. To further complicate the matter, the loan originated in XXXX XXXX, I currently reside in XXXX, and the current occupant and the mobile home is located on a Native American Reservation ( of which the occupant is a Tribal member ). The mortgage company is located in XXXX. Putting together the jurisdictional puzzle here is an issue in and of itself.
08/01/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 363XX
Web
I was under the XXXX XXXX XXXX XXXX where I was approved to have them pay my mortgage for the months of XXXX XXXX XXXX. During the recertification process in XXXX, the mortgage assistance program did not complete my recertification timely and sent my payments late to 21st Mortgage. Due to the payment being received late at no fault of mine, 21st credit reporting manager submitted to the bureaus that I had a payment past 30 days. I didn't realize this happened until XXXX when 21st Mortgage emailed me to call them. I spoke to a couple of people about this and was sent to the credit reporting manager who said she will not adjust the report because it was late regardless who's fault it was. I was told by the mortgage assistance customer service that mortgage companies were not supposed to do this while a person is under a state program, however, 21st Mortgage said they do not abide by this and have their own regulations and policy they follow. I was told by XXXX at 21st Mortgage " we don't do any good will adjustments for anyone, that's our policy. '' I tried on at least 2 different calls to reason with her being that I had a good pay history, never missed a payment, and would not adjust the credit reporting. I asked for this to be sent to me in writing and she emailed me a letter from her on their letterhead stating what she told me, however, it was not a policy that she stated they had. I asked her to send a copy of the policy as all customers should have access to it if it's in their policy. She responded that they didn't have anything else to send me and to dispute it in writing to them. Disputing in writing would not change the outcome because she said she was the only person to speak with and her supervisor would tell her to tell me the same thing, they don't do good will adjustments. I never received a copy of the policy so I still have this negative report on my credit history when it was not my fault and it has hurt me financially. I was not allowed to get back on automatic draft when I resumed paying my mortgage myself starting XX/XX/XXXX because of the late payment within the past 6 months. Each time I tried to speak with someone, I was told they would send me to XXXX, but I declined to speak with her further as she was adamant that the policy says they don't do good will adjustments. I disputed it with XXXX, and the result was they reported the information ( late payment ) was correct. I was simply asking to have the report adjusted back to paid on time since it was not my fault as I was under a state assistance program. During XXXX when I found out about the payment not being received for XXXX and XXXX yet, I was told that I had to make a payment to try and catch it up until they received the check from the mortgage assistance program. I paid {$550.00} and was told it would go towards my XXXX payment when I resume, but when I called to get on automatic draft in XXXX, I was told that the {$550.00} was no longer available for XXXX and I would have to make the full payment for XXXX. The supervisor got on the line and told me that the {$550.00} had already been disbursed towards my balance and was no longer going towards the XXXX payment. She was extremely rude and told me there was no documentation of this and conversations are recorded. I told her if they are recorded, she can simply go back and listen to it because my finance guy XXXX was on the phone and had another lady to take my payment. This lady told me about it being applied to XXXX, but this other supervisor gets on the phone telling me that was no longer the case. I told her that was not right to go back on what they agreed to allow me to do and she said with a nasty attitude, " well I'm sorry but that's no longer the case. '' They did not try to help me at all and after I said they can check my pay history and see that I never missed a payment and I was not prepared to pay the full balance XX/XX/XXXX because of what I was previously told, therefore I wasn't expecting to have to pay the whole amount. She said to me, " Well if you didn't need assistance paying it, you wouldn't have applied for the assistance program. '' This was the worst customer service ever, especially from someone of a supervisory position. She was extremely rude, unprofessional, then finally said she would email the accounting department about it and maybe they'll change it back but I need to pay it all on XX/XX/XXXX. I ended the call to keep myself from returning the rude attitude and emailed my finance person, XXXX. He responded that the accounting department has made the adjustment for the {$550.00} to go towards XXXX. I've been with them since XX/XX/2022 and never had an issue until this late payment came about. It was not my fault at all and felt that it shouldn't reflect negatively when I didn't do it and have a good pay history with them. They were not trying to assist and does not seem that they care about their customers.
09/19/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
  • 705XX
Web
Im filing a complaint against 21st Mortgage Corporation XXXX XXXX, XXXX, TN. XXXX. I have been railroad by this company since day one, from giving me the wrong trailer, that i had to change the serial number on my paper work cause they give me the wrong trailer. The trailer they gave me came off the lot which everyone had walked through as show piece. The trailer was full of rats and the roof was damaged when they pulled it off the lot. I should have known i was in for trouble. On XX/XX/XXXX i had reconstructive XXXX XXXX which put me out of work for 4 or more months. I continued to make payments through my XXXX short term insurance. In XX/XX/XXXX, my company laid me off, due to the XXXX, no work. When my short term ended in XX/XX/XXXX i filed for unemployment, which helped me to continue paying my mortgage. On XX/XX/XXXX i had XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I struggled but continued to make payments, they may have been late but i made them. In XX/XX/XXXX i was diagnosed with XXXX and my employment had paid out, so i fell behind in XX/XX/XXXX, i made payment but it was {$62.00} short. I called 21st Mortgage for help being that my unemployment was over and i was looking for work, but couldnt find any at the time. They told me that they helped me in XX/XX/XXXX with deferring my payments three months back of my loan, so there was no way possible for me to get another deferred payment, because i didnt have a good reason, i was like but im out of work, my unemployment played out and thats not a good enough reason. Keep in mind i was told, on my first deferred payment that i could get one every year, if it was a good reasons. Ok, i was laid off, but these time its not a good reason. So with no income they didnt want to help me in no kind of way. So i fell more behind! I called around looking for help to save my trailer, I found a company called XXXX. Not only were they going to refinance my loan, they were going to lower my interest rates. I was overjoyed, I filled out XXXX application and they sent it to 21st Mortgage to help me. Well 21st Mortgage tells me they dont do modification loans & only thing i could do is let XXXX buy my trailer and deal with them. I was told by XXXX that that was not true and that they had already help people who had mortgages with 21st mortgage. So back to square one, still no job, 21st constantly harassing me, but wont help me, no kind of way. So may note getting farther and farther behind. Finally in XX/XX/XXXX i find a part-time job with XXXX XXXX XXXX XXXX which only lasts for 15 days, school goes out for the summer from XX/XX/XXXX to XX/XX/XXXX. I ask if i could make partial payments, 21st Mortgage says no they want my payments in full, which im now behind about 4 months. So i trying to find assistance everywhere, HUD, red cross, etc. still no luck. So one day im not home my son calls me and tell me there a lady for 21st Mortgage delivering a letter " KEYS FOR DEEDS '' the letter offer we {$2500.00} to vacant the property and refuse the money offered for a rent apartment or house, I refused! They wont let me make payment arrangements but want me to return my land and their trailer for {$2500.00} no way. So i continuely received notice of delinquency letters until today. Out of the blues, i received a call from XXXX today, who contacted them, cause they no for a fact 21st Mortgage has did modification loans with them. They contacted 21st again, and they continue to lie like, they sent me a letter of explaining their reasons for not accepting my modification, which they never did. Well I 'm on the phone with the lady for XXXX, who calls 21st Mortgage. I had n't heard from them through phone conversation. The last thing i received was a letter of mitigation denied which i had sent months ago to them. This is the worst company ive ever dealt with, the representatives talked to you like your nobody. I believe the reason they giving me the run around is because my property was put up as collateral and they no they will benefit if i lose my trailer. As of today XX/XX/XXXX XXXX called to assist me again with a modification. She called them and they were supposed to call back in 20 minutes, XXXX and I are still waiting for a call back. 21st Mortgage dont want to help save my trailer, because their benefiting off 14 % interest rates, where is XXXX would drop it to 4 % and lower my monthly payments and save my trailer. They need to be investigated for scamming people and get over poor people with those high interest rates.
03/09/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 786XX
Web
Re : account XXXX On XX/XX/XXXX, I purchased a mobile home from XXXX XXXX in XXXX XXXX, Texas and the lender is 21st mortgage. I would like to address an issue/complaint/concerns about your legal department and the unethical behavior I experienced from your department. Around XX/XX/XXXX, during the covid pandemic, I felt through some very difficult times and one of your team members recommended XXXX emergency mortgage assistance program and while I was waiting for the intake and application, I was notified that my house was in the process of foreclosure. I keep in contact with XXXX as she identifies herself. And giving her the updates of the events. Unfortunately, XXXX XXXX work ethics showed to be unethical and VERY unprofessional. She mentioned the payment needed to be there by the XXXX of XXXX. I emailed XXXX and the payment was sent out on the XXXX of XXXX allow 7 days to post which would be the XXXX of XXXX. She appeared to deliberately not respond to XXXX when regards to the mortgage binder, she I feel waited to send the information in so I could lose my home. I have several emails that will be attached where she seemed to not acknowledge what the binder is. She also gave me the option to file a loss mitigation and I did but would only want to offer a payment for me to evacuate. Most of her comments were made as if she felt a high with belittle me and the satisfaction of me losing my home. I even asked if she would please consider the payment and she mention it was received but it was late, and she will not post it. I simply as for a act of kindness and good faith. She stated she could but would not. A representative from XXXX spoke to one of her colleagues and she was also with the same demeanor and work ethics she explained that they are willing to send a mortgage check for the next 5 months. I recently had a few years of difficult times. But tired my best to keep my happy place. But during the year of XXXX. I lost my job and was seeking full time employment but could only find temporary, I continue to work and try to be good modern citizen and pay my debts. The death of my sister in XX/XX/XXXX due to covid. And later in the year, myself and my daughter were impacted by it, and it made it very difficult to try to stay financially stable. I am asking/requesting please reconsider the foreclosure. And reinstatement my home. I am currently getting financially stable and the help with XXXX I will eventually be able to overcome this financial situation that the pandemic has put me in. On XX/XX/XXXX, my home was sold and bought by 21st mortgage and she was fully aware that XXXX was assisting me and still sold. Financial Team of 21st mortgage showed poor ethical conduct And I would like resolve the problem, I would greatly appreciate it if you can consider stopping the eviction and allowing XXXX to assist me with keeping my home. I will attach the copies of the emails and, I believe a representative from XXXX also filed a complaint. Also, I would like to have these issues to be investigated or addressed, the check was post dated prior to sale, the mortgage binder was deliberately delayed causing me to be homeless by your employee who she states she doesnt have to empathic because she is the legal team thats not her problem that I couldnt pay my mortgage. She lacks professionalism, ethics, and human feelings. She was fully aware of the assistance, and I was approved, and she continue to proceed with the foreclosure while sending me emails of the information XXXX was requesting and sending me to customer service team and would not want to email me the information stating it had to be mailed and she was not able to do it but did it in XXXX twice and XXXX. I am asking to please allow me to keep my home and the policy about when getting assistance from a nonprofit and the mortgage company willing knowingly about it if foreclosure still be enforced when they XXXX spoke to XXXX XXXX from XXXX and fully aware that I was approved for assistance and to complete the binder which she withheld for about a month.
11/30/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • Foreclosure
  • CA
  • 91764
Web Servicemember
The product that's in question is a double wide mobile home that was built in XXXX and the life insurance policy for the home to be paid off when she passed. 21st Mortgage Corp bought our loan from another mortgage company. This was ( XXXX XXXX XXXX ) my mother 's home, she bought, XXXX years ago. I ( XXXX XXXX XXXX ) my mother 's only XXXX child and my XXXX child ( XXXX XXXX XXXX ) is her only biological grandchild that lived with her. My mother passed XXXX the XXXX of XXXX. She only made a handwritten XXXX ( where she had her brother and sister to witness it for her. ) Starting I was to get everything including the house. And by having a XXXX background and a XXXX background I started taking care of my mother about XXXX years before she passed. I have been paying the mortgage here, ever since she passed and XXXX years before she passed. I had been paying the mortgage out of my own bank account with my name on it. But now when it comes to what's going on with the 21st Mortgage. They had her sign paperwork stating that I was allowed to speak on my mother 's behalf, and she told them I had power of attorney when it came to the mobile home and the rest of her affairs. But now, since she passed away, it is a different story. I called and asked when XXXX started. Would they help me? They told me no and they kept accepting Mortgage payments. I assumed that it was OK. ( That 21st Mortgage was letting me add the money to the loan ). The 21st Mortgage was continuing to accept my mortgage payments. I tried to get the house transferred over into my name. 21st Mortgage said, ( they didn't know who I was, even though I've been dealing with them for XXXX years ). In fact, 21st Mortgage was not helping me with the correct papers to submit. I asked 21st mortgage, was there any way I can do a deferment during this time of Covid - 19, XXXX XXXX XXXX XXXX. They told me, again no and because I received Social Security, they should. be paid anyway. So, when I talked to 21st Mortgage again, they told me they had paid my space rent where my house sits. I thought everything was OK and that they had added it into the loan. And the mobile home park stopped sending me statements. So again, I thought that the mortgage company was picking up what I owe each month. And now 21st Mortgage tells me they need their money ( {$22000.00} ). that they spent at my house. Or 21st Mortgage was going to sell the mobile home from up under me. I asked XXXX, ( in the legal department, XXXX XXXX 21st Mortgage Financial Counselor ). What do I need to do to stop the sale of the home? I did what I was told to do. I sent them a copy of her death certificate and a copy of the handwritten Will with their signatures on it ( that was in the safe ). The key had been misplaced for about XXXX years, before she passed, when I found the key, then her Will. And I still lost the mobile home. All the way up until I had my hospital stay. ( XX/XX/XXXX ) and had to have my XXXX XXXX XXXX on ( XX/XX/XXXX ). Then 21st Mortgage sent me a statement stating I was behind with the Mortgage ( in which I was ), and I had until XXXX the XXXX to pay {$3100.00} to reinstate the loan. Or they were going to sell the double wide mobile home on XX/XX/XXXX at XXXX in XXXX XXXX CA XXXX So, on XXXX the XXXX at about XXXX XXXX pacific time is when I sent in {$3100.00} to 21st Mortgage. And before that I called about XXXXXXXX XXXX Pacific time to make sure that was the correct amount ( {$3100.00} ) to send in and ( " I was told by XXXX ; it was the correct amount to reinstate the loan? " ). Then I called back to give the code for the bill payment. That's when XXXX XXXX of 21st Mortgage ) said, " she was not going to take the payment, for the reinstatement of the loan ''. Even though, I have been paying the mortgage out of my own accounts for years. Then, 21st Mortgage went and sold the house for {$51000.00}.
09/13/2015 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • CA
  • 91304
Web Older American
We are XXXX and XXXX XXXX and we lived at XXXX, XXXX XXXX and ever since we moved into our new home we had written letters to our mortgage company which is 21st. Mortgage Corporation and list things that is wrong and needed to be repair and fixed and to this day we are not getting no right answers on the deal and yes we had been putting money into our place which these things was to be done before and after we moved into our place when XXXX XXXX who was the person that sold it to us and by another person name XXXX XXXX of 21st. mortgage which we know to this day he is not with 21st mortgage as to this day and yes we have been putting our hard earn money into our place of which we had to replace complete new kitchen faucet and garbage disposals that I put in and did the labor and buying of the parts and I was told that I would get paid back for it by XXXX XXXX of till this day I was not been paid for this or these problems and also we had to have or complete heating and air conditioning system check out and to this day we still have problems with it still and yes we did have repairs people come out and check our system and it needs to be replace complete have a new system put in and we have said something on this matter in letters to the @ XXXX Mortgage and to XXXX XXXX and are still saying it to 21st Mortgage and to let you understand that XXXX XXXX has passes away and to this day we are still writing to 21st. and saying what is wrong and I do have a last letter sent to them on XXXX and till showing what is wrong and no answer back to this day and also we was told that the complete rear of both outdoor siding would be replace when we or before we moved in our place of which to this day it is not being done I have been taking our money to do it and my labor to fixed it all and I have complete records and pictures that it is being done and this all was to be done and this was told by XXXX XXXX and also we was pose to get back two to three months space rent in the sum of {$1500.00} of which to this day is not paid back to this day and we have records showing this too and also before we and when we look at the home there was all new and complete appliances in the home and when we moved in they was taken out and replace with old appliances and we said something and wrote letters to XXXX XXXX and 21st Mortgage about this too and we had to replace all of these at our cost and we should had not had to do this and yes we have been writing to 21st mortgage and seems likes they do not care and what we are to them but a number on there books not people at all and also we had to replace both of our toilets in both bath rooms and which they was leaking on the sides and we could not find the leaks till I, myself got down on the floor and saw what was what they was patch on the sides and ever since I work with my dad over the years in XXXX and doing jobs myself I never in all my life look at problems of a toilet being patch this is wrong and now in our main bath room we are going to have to replace the floor around the toilet area because it is not level under the toilet and this is anther problem we should not go though of fixing and also we had ask about when the out door siding of our home was going to repair and nothing was ever done on this either I had to start to repair it and put our money out of our pockets and we had too replace our bath room window too which it was bad too and it pose to be done and to this day we are replacing wall outlets and switch that are needed because they painted over them and to this day since we move in we feel that this is not right and we did not buy this place as is and we should have not to be putting money out of our pockets from the very first day, like putting in new fans and lights kits in our rooms which we did and we are not at all ease.
11/07/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 320XX
Web
Our mortgage payment, taxes and insurance all are included in our payment. It is clearly written in our mortgage closing statement. I was sent a new taxes bill for the new year and in that was a delinquent notice saying the taxes had not been paid at all since we moved in, or had the home built. I have been paying in so why are they not paying our taxes. The tax collector also said they have not made an inquiry about taxes for this year, she said it looks as though they have no plans to pay the taxes this year as well. We have been trying to refinance because our interest rate is almost 11 %, they do not offer XXXX or modifications my only option is to refinance. I was told we could do that in XXXX. When I called and spoke to XXXX, he informed me that we are XXXX payment short we are at XXXX payments and need to be at XXXX, which is understandable. He also stated, I recorded the phone conversation because they lie and like to back step on their words, he said we would need a substantial down payment or I would need to attach my land to the mortgage. I am not doing that. There is also a clause in the mortgage that says if borrow becomes legally unable to manage borrowers affairs they have the right to take our home. My husbands XXXX is progressive. XXXX. He did have XXXX XXXX but that was to XXXX and to stop XXXX. My husband is on XXXX due to a XXXX injury and XXXX XXXX injury that occurred before we got the mortgage. He does have problems daily.We need to see if this is legal in the state of Florida. They also have not sent us a yearly break down of where our payments go as required by law. The tax collector has reported us to the credit bureau and I am having a hard time getting another lender to refinance us because of that reason. They have threatened us almost every month to take our home, this causes alot of stress and mental anguish on my husbands part. We are in DESPERATE need of help fighting this corrupt mortgage company. I googled them and found XXXX website had over XXXX complaints. They claim that all phone calls are recorded but they are not. I have stopped speaking to them on the phone for that reason and I only correspond thru email or regular mail so there is a paper trail. Can you please help us. I cant sleep anymore. I am scared they are going to come and take our home. Please help us find out where our escrow money went. I asked on Friday for them to send me a break down and I recorded the phone conversation as well. It seems as though they are trying anyway they can to take our property and home from us but seeing as the property is not attached they now want to make it impossible to refinance unless I attach the land, or they are not paying the taxes so we will loose the land. We are speaking about 21st Mortgage company. They are the rudest, most disrespectful group of people, XXXX XXXX, XXXX and XXXX XXXX, those XXXX are the WORST. They say there is no supervisor and they call and email and text over and over and over. We have an agreement, they know we get a XXXX check on the XXXX of every month, they know we will send the payment AS soon as the check comes, but every month we go thru the same thing. The disrespectfulness, the meanness, rudeness. By the time you get off the phone you are hysterical in tears. They are THE ABSOLUTE worst company to have to deal with and we are limited because we have a manufactured home. Make sure you record ALL of you phone conversations because they will say XXXX thing and do another. They actually told me to disconnect my cell phone, turn off my cable and to go with out food in order to make my payments, but unknown to me they have all this money that I could be using for food just going in their pockets because they are not paying my taxes. This is just awful. Please pray for my family.
11/16/2023 Yes
  • Mortgage
  • Manufactured home loan
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • TX
  • 773XX
Web
I purchased a manufactured home with a mortgage loan through XXXX Mortgage in XX/XX/XXXX and I live in the property with my XXXX daughters, ages XXXX and XXXX. I made the regular mortgage payment of {$990.00} without any problems until I had an issue with my employment due to the delay in the renewal of my XXXX certification. As a result I was out of work for about 5 months and struggled with my mortgage payment on this loan. I contacted 21st Mortgage to attempt to work something out and was presented with a proposal. However, when I tried to make a payment and take advantage of this offer their agents told me that the offer had expired. A couple of days later I received a letter from XXXX XXXX stating that they wanted me to move out of my house and were offering me {$3000.00} to leave, even though I was only a couple of months behind and they had not even filed a Notice of Default. On their website 21st Mortgage states that they offer alternatives to foreclosure and that their experienced financial counselors can review with you options such as repayment plans or payment assistance. Instead 21st Mortgage has engaged in unethical servicing practices and that is why I am contacting you. I have worked as a registered nurse for the last 15 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had steady employment but my certification was expiring. It has to be renewed every 3 years. I sent the XXXX board the paperwork but it took way longer than usual because they are very backed up since covid. Unfortunately my certification expired and my XXXX contract got cancelled XXXX months early. So beginning in XXXX XXXX I was not working. I hung on and made the payment to 21st Mortgage in XXXX and XXXX and then the certification finally came but it took me a few months to find a new place to work. Summer is the most popular time and the agency I work with could not find me a new contract until XXXX. I contacted your office to tell you I was struggling and asked if you had any programs to help me. I was not reviewed or considered for payment assistance and I just had to wait to get assigned a new XXXX contract. I finally got a new contract that started last month and I contacted your office to tell you I could resume making payments. The agent I spoke to offered some help but then they changed the offer. I was told that they were willing to split some of the back payments into XXXX paymentsone due on XX/XX/XXXX and the second on XX/XX/XXXX. I made the first payment as agreed on the XXXX but when I tried to arrange to make the second payment I was told that the offer expired today. The next day I received the letter from XXXX XXXX that since I remained in default that you were moving to repossess the house and were offering me {$3000.00} to move out and you would not bug me anymore. This letter seems outrageous and these business practices are unethical and aggressive. We made an agreement to start catching up on the payments now that I am back at work and after I make the first payment they break the agreement. This is bad business. I am working on a new XXXX contract and I make a very strong income and have the ability to pay my mortgage. My problem is that I dont have the {$4100.00} needed to pay you back all at once, but this can be resolved if this company played by the rules. 21st Mortgage are not honest, they do not follow through, they do not do what they say they are going to do, they lie on their website and say that they will work with people but that is not what this company did. They had not even filed the Notice of Default when they sent out the cash for keys letter ( attached ), which came because they broke the oral agreement we had made. I think this might be illegal, I definitely know it is wrong.
09/01/2015 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • MD
  • 20720
Web
Please refer to my previous complaint case numbers : XXXX,XXXXXXXXand XXXXXXXX.I exercised my extended right to rescind my mortgage loan in XXXX based on the truth in lending act and regulation Z. Servicer did not respond within the prescribed 20 days as the act required. Instead, servicer sent me a denial letter almost two months later in XXXX XXXX. Rescinded loan was transferred to another servicer XXXX. A debt validation letter and a copy of the rescission was sent to XXXX. Both were ignored XXXX and they pursued foreclosure. My attorney XXXX XXXX of the XXXX XXXX law firm also sent a QWR and a debt validation letter. They responded with only a copy of the deed and a copy on another document. I then filed a chapter XXXX bankruptcy and listed the rescinded mortgage as unsecured. XXXX and their counsel file a motion to lift stay. My attorney XXXX XXXX filed a counter motion challenging their standing in addition informing the court that the security interest was voided upon my rescission, therefore ther 's no note or deed of trust to foreclose upon. The servicer 's counsel withdrew their motion on the day of the hearing. My bankruptcy was kept open for twenty months before the discharge was released. XXXX filed for its own bankruptcy in XXXX. In XXXX XXXX, the XXXX court of appeals ruled on XXXX, a subsidiary of XXXX, in favor of the homeowners. I immediately sent the ruling to my attorney on the same day. But he did n't do anything with it. In XXXX XXXX, I received a notification from XXXX that they 're the new servicers. I immediately sent a debt validation letter including a copy of my bankruptcy discharge and a copy of the rescission letter through an attorney XXXX XXXX. They ignored the letters, but nevertheless transferred servicing rights to 21 st mortgageable XXXX XXXX. I immediately sent a debt validation letter and a copy of the rescission letter to 21st Mortgage. They too ignored my letters in violation of my FDCPA rights and protection against debt collectors trying to collect expired, void and discharged debts. In XXXX XXXX, XXXX filed for foreclosure on my property even though they responded in XXXX to my letter sent in XXXX, indicating that they no longer have anything to do with my rescinded loan as it 's now with 21st mortgage. I brought this anomaly to my attorney 's attention to no avail. In XXXX XXXX, facing foreclosure XXXX more time, I had to stop the sale with chapter XXXX bankruptcy. The servicer 21st mortgage and their counsel file motion to lift stay and proof of claim which distorted the amount in violation of the truth in lending act. The act clearly stated that all interest accruing ends when the loan is rescinded. The servicer deliberately inflated their proof of claim without any protest from my attorney, as a result my bankruptcy was converted to chapter XXXX. I survived their motion to lift stay because my attorney raised XXXX as the controlling legal authority. After I filed my adversary proceeding, they filed a motion in XXXX XXXX to dismiss, but the judge denied the motion pending the XXXX ruling. However, in these intervening months, they 've approached my attorney for compromise to pay me off. Since I refused the offer they 've been filing motions for dis govern, appraisal etc. My attorney, even though I expected to understand my plight, he 's been asking for a lot of money to continue representing me. I signed a retainer with a 30 % contingency but the past months were very challenging losing my mother in law and pay for her funeral in addition to dropping my XXXX off in XXXX, Wisconsin for college when I received an email from my attorney to wire him {$5000.00} from Wisconsin or he 'll withdraw from the case. He did withdrew even after I pleaded with him to wait fo my return
12/03/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 759XX
Web
XXXX XXXX credit reporting is violating my rights by inaccurately reporting a Deed in Lieu between me and 21st Mortgage. First they do not state it was a voluntary surrender deed in Lieu or that it is a closed account and has been since XX/XX/XXXX. Instead they are marking this as an active loan and unpaid account for a balance I do not owe on an account that was closed five years ago. 21st Mortgage is a predatory lender who sold me a house in a flood way in XX/XX/XXXX which flooded multiple times per year with XXXX foot rapids crossing my yard, flowing on both sides of the house, which carried away everything in the yard including cars, people and pets. My small truck sustained engine damage and I slipped rescuing my pet and fell down the berm just as the rapids hit. 21st had done a survey of this property with funds from my deposit prior to the closing in XX/XX/XXXX and knew it was in a flood way, but never told me. Moreover they placed my home on the ground in a flood way rather than spend money on elevation studies ( which I later had to pay for ) to elevate the property off the ground. I was not told about the flood way until FEMA came to my house after I had moved in and was going to cite me- until they read my contract and saw I was lied to and instead asked me to go to the office and complete the elevation study paper work. The realtor also withheld this information from me, so I sued her in small claims court and won just enough to elevate the house off of the ground. I was not aware 21st knew as well- until much later. 21st violated the law by not discussing this issue with me prior to the sale and endangered my life by placing the house on the ground in a flood way. 21st should be ordered to pay my deposit back and the money for the elevation of the house and a fee for endangering my life by placing my house on the ground in a flood way and a fee for ruining my credit for five years thus far- I owe them nothing they owe me. 21st has also not discussed this issue with subsequent owners if you look at all of the cached for sale ads online for this house in the last five years they all say either " Country living at its best. Or this '' this is the perfect place to live '' None mention the flood way at all which is completely illegal and unethical. I did not try to sell this property because I did not want to be responsible if someone who bought it from me was XXXX so I did a deed in lieu- I am not the bad guy here! I am a victim of a predatory lender. This was not my fault, yet I am the one being punished- still to this day I can not get a credit card- not even a secured one or get a conventional home loan and I just graduated with my Master 's degree and can not get a job. 21st Mortgage should not be allowed to put false information in my credit file and the credit reporting agencies should not allow predatory lenders to post fabricated nonsense about anyone. The account should read voluntary repossession Deed in Lieu XX/XX/XXXX, no balance account closed. Although since it has been miss reported for five years it should be removed entirely. 21st should not be allowed to update it with more lies each year either. 21st has resold this house- multiple times since the deed in lieu, collecting the deposit and payments of multiple individuals who fled the rapids there as I did- You should get the names of the former owners from the tax office and call them and ask about their experience with 21st Mortgage and the devastating flooding at this property. Credit reporting agencies are required by law to accurately report a credit account -asking a predatory lender if their information is correct is ridiculous it is not a proper investigation of a dispute. Please investigate.
05/25/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 797XX
Web
To whom this may concern, my name is XXXX XXXX. I reside in XXXX XXXX, Tx. I am very concerned that my mortgage servicer, 21st Mortgage, is steering my mortgage into foreclosure without offering me an alternative or an option to avoid foreclosure. I am a full time nurse but have fallen on some hard economic times because of the economy here in XXXX Texas. Oil production has suffered and has trickled down to the hospital 's business because of job loss and people here losing their health insurance. Loss of business has resulted in decrease in hours and loss of any overtime where I work. My income has suffered substantially but I am in the position now to be able to make my mortgage payments or a modified payment if 21st Mortgage would only give me an opportunity to do so without having to pay them the entire arrearage including late fees and what might soon be legal fees on top of that. I have a couple that is now contributing to my income that puts me in a position to be able to sustain my mortgage payment. When I first fell behind on my mortgage payment I spoke to 21st Mortgage and they were uncaring of my situation and frankly rude in telling me that I should get the money from family members or go to a XXXX XXXX, maybe they would give me the money. Fair Debt Collection Practices Act FDCPA 806, Harassment or abuse 15 U.S.C. 1692d - 21st Mortgage has been very rude and somewhat threatening when communicating with me regarding my mortgage. I do n't understand why 21st Mortgage feels the need to talk down to me or treat me so poorly. They treat me like a deadbeat and have no sympathy towards my hardship. I also know there are programs designed for struggling homeowners that have fallen behind on their mortgage payments. Why have n't I been offered any options or alternatives to foreclosure? I seem to get the runaround from them every time I try to inquire about some kind of help concerning my mortgage. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' I have been assigned no less than XXXX different account mgrs. since attempting to get some kind of relief or resolution. 1024.40 Continuity of contact - " Servicers are required to maintain reasonable policies and procedures with respect to providing delinquent borrowers with access to personnel to assist them with loss mitigation options ''. Why was n't I assigned a single point of contact to assist me in saving my home? I recently submitted a financial package to them ( modification package ). I was never told by them that this could be an option without paying them all that I owed. I am hoping that this package will enable me to get this back on track and give me a fresh start moving forward. 1024.39 Early intervention requirements for certain borrowers - I do n't feel that 21st Mortgage has ever provided me with a " Fair Review Process '' for a modification, as required under the Dodd-Frank Wall Street Reform & Consumer Protection Act. " CFPB 's mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure '', " borrowers should n't be surprised by the start of a foreclosure proceeding until they have had time to explore all available options ''. I am asking for someone, at this point, to intervene and contact 21st Mortgage regarding my mortgage so the loan can be modified and put back on track. I thank you in advance for anything you can help me with, thank you, XXXX XXXX
04/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32225
Web
reporting agencies have improperly and unlawfully reported things in my consumer credit report that are erroneous incorrect and untrue. Everything that has been reported without my consent and has not been verified to report ( all information on the report is inaccurate as well as refusing me work as I diligently tried to obtain property and other financial gain ..These and accuracy is have drastically change the quality of my life for the worse. I also have entries that are erroneously reported that belong to a female that has nothing to do with my report ..The files appear to have been merged ..There was never the slightest attempt to contact me prior to reporting these things which is lawful per statute 602 of the Fair credit act. merged credit file occurs when a CRA totally combines the credit files of two or more different consumers into a single credit file so that ( a ) one consumer has a trove of personal and account information in his or her credit file ( and on his or her credit reports ) that does not and never did belong to that consumer, and ( b ) another consumer 's entire credit history essentially disappears because a credit bureau has placed all ( or nearly all ) information that should be in the consumer 's credit file into the file of another consumer. A merged file, in other words, happens when XXXX, XXXX, XXXX, or XXXX places information that belongs to two ( or more ) separate individuals into the credit file of just one of those individuals. As such there is a merged file, the credit file of one or other individuals can be totally or nearly merged out of existence. Mixed and Merged Credit Files are a well-recognized issue at all major credit bureaus Generally, because credit bureaus like XXXX, XXXX, and XXXX -- in violation of 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) -- fail to follow reasonable procedures to assure maximum possible accuracy of information that these CRAs report about consumers, mixed and merged credit files have been a well-recognized and frequently prosecuted problem for decades. Recently, the New York Attorney General filed charges and settled claims with XXXX, XXXX, and XXXX concerning, among other issues, the prevalence of mixed files. The settlement agreement between the New York Attorney General and XXXX, XXXX, and XXXX, dated XX/XX/2015, I am a victim of merged file and am entitled to compensation if the information is not deleted. To protect my rights to maximum possible accuracy of information on your consumer reports ( based on common law defamation principles ) and to assure that only people who should see consumer reports about you do see consumer reports about you ( based on common law privacy principles ), the FCRA lays down the rules of the road for the credit bureaus, the companies that furnish information to credit bureaus, called furnishers, and companies that purchase consumer reports about you, called users. These agencies have not ever contacted me per the fair credit act statute .There was not ever a contract or signature provided to report these facts and or other which directly violated my personal professional and constitutional rights Furthermore The credit reporting agencies merged my report with a person that is a different gender and a different name which is identify theft Please delete all entries my credit reports Delete all entries without harassing letters and or correspondence soliciting and explanation from me and an attempt to validate what they have already You going to
07/20/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • MO
  • 633XX
Web
The sales agreement, written up and signed by both parties on XX/XX/XXXX of XXXX states two decks, an AC unit, skirting, set-up, peirs, driveway, sidewalk, hook-ups, and retaining wall are the seller 's responsibilities. We only received one deck ( that came with the house, my husband ended up building the second one himself about 1.5 years after we had moved in ), the set-up was never completed, and a retention wall was never installed. In discussing the retention wall with the property manager at the time, she also assured us that a safety fence would be installed around the edge of the yard to reduce any fall risks for children. I received a pre-approval notice from the account manager at the bank that the property manager worked with on XX/XX/XXXX in the amount of {$55000.00}. With no notice from the property manager, twelve days later I received a second pre-approval notice for {$58000.00}. When I received the second pre-approval notice, I contacted the property manager to ask why the amount was higher, she verbally told me that the difference in the amounts was because we needed to assist in paying for the retention wall. My husband and I discussed if the increase in price was worth moving forward and went back and forth with the property manager for approximately two weeks after the second pre-approval notice. While on the phone with the property manager, she said, " Your setting costs increased because of the retention wall, so if you don't pay for it, we'll just find someone else who will. '' We decided to move forward because we needed somewhere to live, expecting the property manager to handle things properly. We were told the retention wall and fence would be installed before our house was due to be delivered mid-May. A few weeks later, we received notice that there was a delay in the completion of our house due to the weather and it wouldn't be there until the beginning of XXXX, then another delay for the end of XXXX. Then it was delayed again for XXXX, end of XXXX, XXXX, and was finally delivered XX/XX/XXXX. The retention wall and fence still hadn't been installed even with the XXXX delivery delay. It's now XX/XX/XXXX and the retention wall and fence have still not been put in place. We verbally discussed this with the property manager any chance we saw her around the park during the 2.5 years she resided in the park, and also met with her at the office to discuss it at least 3 times. We were always reassured it was " getting figured out ''. Finally, in early spring of XXXX, the property manager told us that " the owners aren't going to put a wall in ''. Shortly after she told us there wouldn't be a retention wall installed, that specific property manager was fired and there is a current investigation regarding her actions as the property manager of the park. Due to the lack of a retention wall, the ground underneath our house has consistently been receding since our arrival. About a year after we moved in, our house was no longer even touching the cinderblocks they placed under the house to support it. There is significant damage to our house and property because of it settling incorrectly. Additionally, the park continues to send us notices of violation for our skirting not being fixed properly which we are unable to do as the ground has receded and the skirting isn't long enough to fit correctly.
08/22/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NY
  • 11580
Web
Hi everyone, I sent this letter to the person in charge of CFPB, I guess he is in charge of my two complaints that I had sent, and he got in touch with the 21st Mortgage, AKA XXXX XXXX, AKA XXXX, AKA 21st Mortgage INc AKA 21st Mortgage TRUST and I am sending you the letter, and I know I need the advice of a lawyer but money is tide. They want over {$3000.00}, so here it is. I have proof of al the W-* @ not showing that I paid my escrow and also I have the evidence that they kept charging me an enormous amount of money thru the Escrow and two different loans that they owned Hello Mr . XXXX, They finally forced me to put the house on sale even though I came to the CFPB for help, and if I had gone to court, I am willing to go. The attachment from XXXX that you checked and on the complaint you said that 21st Mortgage who goes as XXXX XXXX but you probably missed or did not check page 7 where they claim the money they paid as taxes ; They are lying and not reporting to the tax department the money that I am supposed to send. Since XXXX, my bill from 21st Mortgage, I am behind XXXX dollars on escrow, which is XXXX. They were overcharging me 2-3 times for the same thing and inflated the escrow dam! How am I not going to be behind! I just went thru and my home insurance a year should be {$700.00}, I selected and, they should be using the same because they sent me the bill, and they raised to @ XXXX, XXXX and these chiefs put on the DISCLOSURE STATEMENT he sent you : Property damage insurance ; $ XXXX = {$11.00}, XXXX on PROPERTY DAMAGE INSURANCE plus all the school taxes the town taxes, the school taxes all ten or more times the value. This is happening since XXXX, and they are keeping doing it until now. Still, this year, I got a bill for {$90.00} more than the regular bill, I called the person in charge of my account. He told me that I was behind in my taxes/escrow, and my balance was {$11000.00} like in XXXX, and XXXX XXXX, their lawyer, said to me that it was behind taxes that they undercharge me on my escrow. This mortgage is FRAUD a, and they forced me to put the house on sale in the middle o a pandemic, 50 people every couple days to see the house and me I am not getting any equity due to their escrow that now grows out of control. 21st Mortgage has no explanation, all they asked is when I am paying my past due of course they go to you are on bankruptcy, and we know XXXX XXXX Still, I am suing everybody, 21st Mortgage broke the law to steal my house and get their balance which should be XXXX, but they used someone called XXXX and added {$3400.00} to be pay to XXXX XXXX owned by those I believe 4-5 banks with similar names. I dont want to sell my house, my wife is making close to {$60000.00}, and with that, we can pay they take that Escrow, I can pay all of my taxes and insurance my self. With the pandemic, The president said that we were exempt on paying while without work, well, they add not only that, {$30.00} per month because I'm late but that also, it is illegal, my mortgage is included in XXXX on a Bankruptcy XXXX NOTE : I called all these instant, unions and they say they never received such amount and that I am not behind on any of my taxes, you are my only hope but, for one reason or the other, maybe because I am XXXX/XXXX, that influences the decision all ways they are right -- XXXX XXXX
10/05/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MD
  • 21012
Web
Complaint : The XXXX XXXX XXXX, 21st Mortgage, is Forcing A Foreclosure due to their refusal to accept their junior lien status to a XXXX XXXX XXXX Lien Holder and rejecting the Short Sale Guidelines XXXX XXXX Requires. Specifically : 21st Mortgage has rejected the XXXX payout the XXXX XXXX is required to give 21st Mortgage in a short sale settlement and has stated that if their demands for over XXXX are not met that they will only accept a Foreclosure. Which makes no financial sense when 21st Mortgage will get XXXX in the event of a Foreclosure ( Letter from 21st attached ) To Complicate Matters : The Requirements of a XXXX XXXX XXXX XXXX during a short sale forbid the buyer, seller, or anyone from paying 21st Mortgage/the junior lien holder any monies during a short sale. They also forbid us ( the seller ) from offering to make deficiency payments after settlement ( because XXXX XXXX requires all XXXX mortgages to waive any deficiencies / XXXX XXXX XXXX attached XXXX. **Effectively, these arbitrary rules and demands between XXXX lenders have made it IMPOSSIBLE for any negotiation and/or assistance from anyone involved with the short sale. Somehow, 21st Mortgage expects us ( the sellers XXXX to pay over {XXXX directly to them prior to settlement before 21st will accept the terms of the short sale which include an additional XXXX XXXX. IE 21st mortgage is demanding over XXXX XXXX from us in a short sale because we are distressed sellers and do not have the money available for a standard sale ... If we had over XXXX XXXXXXXX cash available then we would n't even qualify for a short sale!! FYI : the total owed to 21st Mortgage is about XXXX XXXX so demanding XXXX XXXX for a short sale approval appears unreasonable as that would be a payout of more than XXXX XXXX to a XXXX lienholder in a short sale. ( email detailing communications from our Short Sale Attorney, XXXX XXXX attached ). Adding XXXX to XXXX : 21st Mortgage is not the original XXXX lien holder we purchased with. So we never chose this bank but rather it was forced upon us ( assignment attached ). Also, online research shows that the majority of complaints against 21st Mortgage are Foreclosure related ( screenshot attached ). Goal : It is the sincere intent of ours to mitigate the losses to the lenders. The home has been well maintained and continues to be maintained ( property preservation winterization was declined so that heat/utilities are still on to allow for home inspection & appraisal for buyer ) ( photo attached showing home status ). Forcing a foreclosure will have an immediate, negative impact on the home value. No buyer will be able to get a mortgage once the home is winterized and water/utilities are turned off making an acceptable appraisal impossible. Plus as the home requires maintenance, there will be no homeowner to do it ; which will hurt all lenders in the long run ( i.e. reduced home value ) and will hurt the community as a foreclosure drags down their property values. Request : CFPB please require 21st mortgage to accept the XXXX XXXX requirements in a short sale that gives them XXXX at settlement rather than the XXXX they will receive in a Foreclosure.
08/08/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • SC
  • 290XX
Web
I'm not sure where to start, but since XX/XX/XXXX I have had XXXX and XXXX XXXX from XXXX XXXX at 21st Mortgage harrassing me. I currently have a mortgage through 21st mortgage and the customer service is terrible, everytime I talk with someone there to discuss my issues all they do is yell, belittle and talk over me. I have tried to contact the top management several times but keep getting the run around. This company is very harassing and something needsto be done. They threaten and tell me there is no grace period on my account and if it's due on the XXXX then it's already late on the XXXX, saying they can foreclose on the account. I'm trying to get a loan with my bank but in the mean time, the harassment at this company need to stop. On XX/XX/XXXX I had a call from XXXX and we discussed my payment plan, she told me to hang on while she document the account and she comes back to the phone with XXXX XXXX on the line. He starts yelling asking me what did I do with my pay from my paycheck and why can't I pay my bills on time. He even went as far as telling me that he knows what day I get paid and what time I get off. I tried explaining to him that his information was I incorrect and all he did was yell over me and over talked me. Yes my account for XXXX is due and I already told the company, XXXX to be exact that I had applied to the XXXX XXXXXXXX XXXX XXXX for help. XXXX however doesn't listen and belittles people. At this point my XXXX payment was due XX/XX/XXXX and I told him if the rescue program didn't respond that I would make a payment the following week. He proceeds to still yell and ask what did I do with my paycheck from the last week. XXXX has no right questioning me on where my money goes, his only job is to ask when I can make a payment and document it. XXXX says that I will have to pay both XXXX and XXXX which was just due XX/XX/XXXX. I told him I'll take care of XXXX but XXXX payment just became due and to give me time. He stated that I will take care of both months or he threaten to hang up and send paperwork to foreclose on my house so I would lose it. He think everyone is an XXXX and he need to be fired. He can't go around harassing people, he doesn't own 21st Mortgage. At this point I have been harassed and I feel like the stress XXXX has put on me has caused many issues with my health. I called on XX/XX/XXXX evening and spoke to XXXX, asking him to transfer me to a XXXX over XXXX. I was given the run around and basically was told " she was gone ''. So i asked by gone what do you mean? Is she gone for the day or for good. He sat quiety for few seconds then said that he worked along side XXXX and was there anything he could do. I told him again no i wanted to speak with XXXX mamager and then XXXX said she's gone for the day. So i asked him to place a note and have the manager return my call.There is no way that the state laws allow people to be threaten and harassed like I am. I plan to contact the Attorney General office for further advisement.
08/30/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 46158
Web Servicemember
In XX/XX/2022 we sent 4 payments for the total amount of XXXX. Our mortgage is XXXX a month. We were behind for XXXX. So, so that still would have left XXXX in XXXX we paid another XXXX, still leaving XXXX ahead. XXXX we paid XXXX which would put us XXXX ahead. In XXXX we made two payments of XXXX and XXXX, which would put us at XXXX ahead and it should have been sitting in what they call partial unapplied payments. In XXXX and XXXX, we could not make payments as I was not getting paid half the time from XXXX XXXX and we were ahead so there was no need to send payments that month. Which, would have left us with XXXX in the unapplied partial payments. In XXXX we sent XXXX which would have paid the remaining XXXX dollars on XXXX payment and left us with XXXX towards XXXX payments. We have all the money orders, bank statements, and money grams to prove these payments. When you look at their mortgage statements, other statements, and payment history you will see non of them match up with each other and a few payments on some of them match with ours. For example, the XXXX mortgage statement says we made XXXX payments and the payment history for XXXX only shows XXXX, while our money orders show XXXX payments. Their pay-off has jumped by over XXXX according to their records and with our payments made it has actually gone up over XXXX. You will see from XXXX to XXXX over XXXX dollar increase but we have not missed a single payment since XXXX. They are trying to take our home based on a statement that says we have not made a payment since XXXX of this year. Our records prove otherwise as do their payment history and mortgage statements. No one I have spoken to is willing to fix this issue. I was told my documents meant nothing and he could not use them to clear up my account. You can look at their statements and the money that is in the unapplied varies a lot with no records of where it went. at one point you will see that their YTD doesn't even line up with the amounts from the month before. We have asked that our taxes be taken off the escrow like our insurance was as we do not want them to pay anything for us because they are stealing our money and we want to ensure the taxes are paid every time they are due. So, far they have done so but they are trying to state that our escrow is behind and there is no way this is possible when we have not missed a single payment. They also did not file the homestead like they said they would for the taxes so I have to go do that tomorrow as well. I have spoken with 3 different people and gotten three different stories and no one will fix the issue at all. We need them investigated as I am sure we are not the only people with a large amount of money missing. We would like our funds put where they were supposed to be and the harassment about the money that is on the XXXX XXXX bankruptcy to stop. They keep trying to charge us for the amount that is on the bankruptcy knowing it is against the law to do so.
08/29/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • GA
  • XXXXX
Web
Our mortgage company 21st Mortgage has been harassing us about our payments. A month after we bought our home I got very ill and was no longer able to work. My husband made our payments as soon as he couldcould each month. On our statements it says we have until the XXXX of each month but they would start calling, texting and emailing us up to XXXX times a day on the XXXX day of each month. In XX/XX/XXXX we were late with our payment due to myself and my daughter having to have extensive medical test done. We called XXXX XXXX to make XX/XX/XXXX 's payment and they refused to take it, they said we needed to make both months payments right then which we were not able to do. They then sent XXXX men to our home around XXXX XXXX on a Saturday to collect both months payment. The added stress of this on top of my being diagnosed with XXXX ended sending me XXXX for XXXX and XXXX. We had to reach out and ask for help and family friends and strangers donated money to help us pay everything through XX/XX/XXXX. We have explained the situation over and over to the company. We also tried to ask them to assist us and they refused because our loan was so new. We are late this month ( XX/XX/XXXX ) and they started texting and calling around the XXXX of the month which is before the XXXX which is our grace period. They called and I spoke to them this past week which I happened to be with my daughter who was XXXX and I tried explaining that I could not discuss things with them at that point because I was focused on my daughter getting better. The supervisor got on the phone and informed me that this is not what they signed up for when they loaned us the money for our home. I got very upset and explained that I did n't sign up for my health to go so bad and have to have surgery and have my daughter get sick as well. They are very ruthless and do not care what we try to explain to them. They get made if we do n't answer the phone everything they call but why would we answer the phone XXXX times a day to explain the same thing over and over again especially when they are rude and demanding. Also after looking back at our original paper work there are XXXX different interest rates on our contract. They also said they were raising our mortgage because we underestimated the escrow about them they turn around and send us a check saying that we over payed or escrow so nothing is consistent with them. I 'm tired and unable to keep being harassed by them. It boils down to they harrase us before our late date and they send people all the way from XXXX XXXX to XXXX to intimidate us. This is ridiculous and in called for. They told me to save myself the hassle and just go ahead and pack or things and get out so it would be easier on everyone, this was when we were only XXXX months late. Please do something about this company and their lack of consistency and harassment.
03/16/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 781XX
Web
I have defaulted on my mortgage payments because I am in a serious financial crisis. I have explained in detail to my mortgage company by email so that they have every detail of my situation and how I plan to pay. They call and they email and they call and they email repeatedly like bullies as if I am holding onto my money and refusing to pay. I have {$160.00} in my account at this moment. They email me and tell me to call because they wont put a hold on the account by email. What does it matter if I call versus email! Its the same reason Ill give them over the phone! In the past when Ive contacted them by phone theyve tried to get me to pay. I dont like talking to them over the phone because they can be very ugly and rude. Its totally unnecessary. They know I live in TEXAS and we went through a horrific WINTER STORM! We went days without electricityand water and I missed an entire week of pay! My bf works for XXXX and his store was closed for a week so no one was there to do payroll. My paycheck for that week was only {$90.00}!! You tell me how Im going to pay a {$1000.00} mortgage with {$90.00}. Please someone tell me how Im going to squeeze that out of {$90.00}. It took 2 weeks for payroll at XXXX to get back on track because of the winter storm. I had to cash out my XXXX from my last job to get caught up. I have not gotten a stimulus package, otherwise I would have paid already! Being bullies and trying to squeeze money out of someone that doesnt have it does not help the profound situation. I have never been able, in the past to get a hold of my XXXX XXXX from XXXX. Its always someone else, then I have to re-explain the situation and then they get a supervisor on the phone and theyve always, always been nasty to me. Being ugly does not help the situation, especially when theyre a complete stranger. They do not know what is going on in someones personal life. There is absolutely no compassion when said person has been through multiple catastrophic events. I have been struggling since Ive moved in this home. Ive had through XXXX major XXXX XXXX, I was XXXX, i was on short term XXXX, which limits your income, then XXXX hit, then I wrecked my car, then the winter storm hit Texas. I have been doing the best I can given every single thing I have endured since 2015. I have tried to get a home loan modification but they refused and only modified one payment after I had my XXXX XXXX. It did not help. My mortgage should be modified to my current income so it is affordable. Im only make {$10.00} an hour. When I bought the home I was making {$15.00}. Thats a big difference. Even though every payment has been late, Ive still made my payments. Im doing the best I can. If 21st does respond to this I know theyll try to justify their reasons for being the way they are.
03/23/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92337
Web
First of all 21st Mortgage took over our loan and they are difficult to deal with. First of all we are behind 2 months going on 3 months and I called them to make a payment and they said that they wouldnt accept the payment unless we give them detail or plan on what to do with the delinquency. I ask them to write a letter that they are not going to accept my payment but they refuse and said to mail it and that I did. I also told them that i am being audited by the Franchise Tax Board because it doesnt show with Franchise tax board that I am not one of the owners and that they only declaring XXXX person as the owner instead of XXXX to the IRS.. They wanted a proof of the letter from the Franchise tax board so that they can call the them to talk to them. They also wanted to know who is our accountant so they can investigate. That day that they didnt want our payment instead they sent a letter which I will attached that now we owe four months. They had previously sent someone at the property to collect the mortgage payment. They have been forcing us to file for loan modification and we had informed them that when we filed for a loan modification instead of us getting our payment lowered it had increase our payment and as of now Im being garnished by the Franchise Tax Board for not being one of the owners. I had been asking for a monthly mortgage statement to see how much we had paid, interest, but they said that they dont provide mortgage statements. They had also been calling my mom, my sister to which they are not part of the loan. When making a payment with them its so difficult because it goes from the customer service to the financial counselor to the supervisor then you need to inform them when you making the next payment. Ever since they ( 21st mortgage ) took over the loan w have so stressed out with them calling night and day including saturday early mornings.That day that I was making a payment and they wouldnt accept it they were on the other line calling the Franchise Tax Board and wanted to talk to them regarding the audit. Thats too personal and that the mortgage comp has no right to call the Franchise Tax Board and also wanted to know the name of our Accountant so that they can investigate and they were saying that our accountant is not good and that he doesnt know what his doing when filing for taxes. I even told them that it is illegal for a mortgage company not sending a monthly mortgage statement. We had fax the letter we received from the Franchise Tax Board to the mortgage comp because they wanted a proof and that they said they were going to deal with the Franchise Tax Board.
05/14/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 959XX
Web
21st Mortgage called me and since last month I was struggling but I was able to make the payment but I let them know this month I need help, I asked for help and I spoke to two representative which started to harass me. I answered the questions and after I told them how much I was bringing in I was told then I could make the payment just like that and I told the person I have other expensive and If they could just send me the application and instead I was sent to XXXX ( Ext XXXX ) supervisor who continue to tell me the same thing and argue with me. It was very shocking to hear how I was getting harass other the phone and think to myself that they base the decision on the conversation or they trying to not help and force the customer to pay there bill. And then I called back and XXXX answered and I told her I would like to speak to someone else and she passed the phone to XXXX ( Ext XXXX ) because I just want them to send me the application and instead I got harassed by another customer service rep and this time I answered his question and then I got lectured that I am not going to be able to offered this mortgage, started to tell me that this is a 23 years loan and etc and I was just listening shocked, and I asked him how did he come up with this conclusion and how is this going to help me being lectured with my mortgage payment. And Mr. XXXX said because you just told me you were going on XXXX because of health reasons. I told him how does being XXXX making you XXXX for the rest of your life or even saying I am going on XXXX because of health reasons make you disable for the rest of your life. Mr. XXXX said you didn't mention that you were XXXX and if you want us to work with you, you need to tell us everything. I felt harassed and didn't understand how this was helping me resolve my issue and Mr. XXXX assumed and he didn't ask more question because I good customer rep would of asked so how long does your XXXX going to last instead I was yelled at that why I didn't mention I was XXXX and I was just shock on how the customer reps took an answered and just assumed without asking more details. In the end I was told by Mr. XXXX that I could pay my mortgage because I bring some income in. That was it, it was based on my answer that I bring some income in. I told Mr. XXXX that I have other things I need to pay or buy for instance food and gas to go to work and pay other bills. Horrible why of helping customers at this time of need ( coronavirus ). If I would of know that I was going to get harassed over asking for help at a time of need I wouldn't of called. Its not right the way I was treated
07/30/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • 770XX
Web
I got a loan from 21st mortgage for a mobile home i purchased these people have been the wort mistake Ive ever made besides my ex husband. Ive had issues with the home it came with a warranty which they never honored then the freeze came it caused mold and mildew in the home after the pipes busted they sent out an appraiser they forgot to include th plumbng in the estimate when the disbursements came in they made it XXXX near impossible vecause they wouldnt disburse until i showed proof of work so i was having to come out of pocket to pay for some repairs until they decided it was ok to disburse this went on for over 3 months when the plumbing the contractor would not finish the work because of plumbing issues that needed to be obviously fixed they lied to me several times saying they were disbusing and then woudl call me back saying no because ... then i dhad to borrow $ to get the plumbing done to continue the repirs fast forward repairs were completed i started paying the money back im currenlty behind 2 payments because ve been expecting the insurance to reimburseme they have failed to do so they ignored my requests i filed a complaint with TDI that got their attention and within days i get a call back that they are gon na reimburse me 21st motgage is constantly HARRASSING ME i guess they found out about it i get 2-3 calls daily if not more followed by constant emails from XXXX XXXX and forward the phone calls start i answered this morning the I spoke to the lady told her im waiting on the insurance reimbursement to take care of it they said next week she said let me put u on hold while i write some notes on the acct she gets back on phone with a guy claiming to be the suepervisor asking me the same exact questions she just did then proceeds to tell me im behind 2 payments and the account can be repossessed i told him go ahead ill file bankruptcy and take them to court I know they cant repossess me because ive been late before ive always paid up to date but their constant harassing scare tactics is very unnecessary i know theres people that dont care or prioritize their bill i work in auto financing and i see it all the time but I would never talk to my customers the way these people do its unprofessional its antagonizing, unnecessary and causes more stress and XXXX XXXX I usually dont answer them for tht reason im always at work and thy start with their interrogations and wanting to know how i manage my $ during tax season they literally called me and asked me how much i was getting back and was i planning to pay ahead!!!!! QUIT HARRASSING AND TAKING THINGS PERSONAL!
07/13/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 313XX
Web
On XX/XX/XXXX I had a flood loss on my mobile home in which several things were damaged or broken. My insurance company was called and they sent me a check to repair and replace all that myself and son lost. The check ( {$22000.00} ) was made out to myself and 21st Mortgage my mortgage company. I called them and they told me to sign the check and send it to them to sign and they would give me the money to fix everything. When I called a couple of weeks later they told me because I was a month behind on my mortgage they would not send me the money. They then told me that If I got my mortgage straight that they would send me the money. I told them that I dont have the money to fix all of these things like my A/C and they told me to get a quote, their contractors license, their tax information, and their insurance number, to get a check issued to them. All information was sent to them on XX/XX/XXXX directly from the A/C company. I called every other day until I finally received a check over a month later. I had to beg, and cry to get it and remind them that I have a XXXX son in this Georgia heat. I have since then sent in all the papers for the duct work and insulation to be replaced first attempt XX/XX/XXXX and never received a check. I called to check on what was the hold up and they agreed that they had the papers, however now they want photos of the A/C. That was done and two weeks later they call me and say that all the paperwork is now out of date! Well ya thats because it took them 10 months to even look at the papers. So now Ive got to do it all over. I also got money for steps and I am to get them from a mobile home supplier, however, the supplier does not have a contractors license, and ask them for their insurance info. The mortgage company told me to pay for them myself and they would reinemburse me? I dont have the money to start with much less trust them to even give me the money back. Please help me, my steps are so unsafe for my XXXX son and now my floor is rotting because of the condensation from the duct lines with no insulation for two years. Im sure that my insurance will not cover it being that they gave me the money to fix what is causing the damage two years ago, I just want my things the way they were, nothing more, and if there is anything left over the mortgage company can have it. They have already had {$15000.00} for over two years now and they keep the interest. Ive been in this house for over 19 years, my mortgage is up to date. Help me to get the money they have wrongly taken.
10/30/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • KS
  • 662XX
Web
I called to make a payment by phone to cure a debt of a mortgage that was two months past due. I informed the representative of my intentions to pay in full to get the account current. The representative puts his manager on the phone, who consistently asks why I have not returned some phone calls that were made within the past two months. This manager made degrading comments and refused to accept payment of the past due amount unless the next month 's payment was included. This was not yet due at the time of the phone call. The manner that this representative addressed the issue was both verbally abusive and unwilling to assist in my inquiry. I asked for a fax number, to which this representative asked the reason for sending a fax, and refused to give me a fax number unless I gave specific information about what was to be faxed to the company, and why I was faxing it. The representative continued to make verbally abusive comments, and commented on the presumption that I will not make any more payments until the end of the year. I was unable to speak without being interrupted by this representative who began raising his voice in a manner of interrogation, demanding to know how I intend to make future payments. I have never been belittled as much as I had been in this conversation, and I have never seen such abrasive and unprofessional practice as I did with this company, particularly with this representative. I understand the company 's frustration by the status of the defaulted loan, however I do n't feel that they have the right to speak to customers in a demeaning manner, ask questions that are not related to curing the defaulted loan ( i.e. questioning why I did n't answer the prerecorded phone calls that are sent to me several times daily ). This " manager '' did not give me his name or contact information, and did not help me with this simple resolution of curing the defaulted loan. Before calling, I intended to ask the amount of the principal of the loan, to which the manager told me that this has nothing to do with my loan repayment, and refused to inform me of this amount. I was then told to call back next week to " make sure I have enough money in my account '' to cover the past due balance, which would be over 90 days past due at that time. I have never been denied the chance to make a payment on an outstanding loan balance, and being belittled and talked down to was the main purpose that this representative spoke with me during the phone call that I placed to them on Thursday, XXXX XXXX.
01/12/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 773XX
Web
I am submitting this written complaint regarding the recent 30 day late payment notice that was reported, by 21st Mortgage Corporation ( 21st ), regarding my Account # XXXX, to XXXX XXXX, XXXX and XXXX ( the Bureaus ) for the month of XXXX, XXXX. In the early part of XXXX, I contacted 21st to let them know that I was currently under contract, with a local Builder, to sell the respected property. My contact was XXXX XXXX ; I informed XXXX that it was a cash transaction and that closing was scheduled for the third week of XXXX. In late XXXX, I informed XXXX that the closing was moved to the third week of XXXX. During this discussion, it was agreed that if closing did not go through as planned, as long as I kept 21st updated and made the XXXX payment by XXXX XXXX, everything would be okay since I had a five year perfect payment history. XXXX also congratulated me on the sale of the property. As luck would have it, the closing did not take place in XXXX. As discussed, I made the XXXX payment on XXXX XXXX. As a result XXXX, immediately ignored the verbal agreement and my perfect past payment history and reported the payment 30 days late. The closing/sale of the property is taking place today, XXXX XXXX, XXXX and the balance will be paid in full. I am in the process of closing on the purchase of a new home on XXXX XXXX, XXXX. As a result of 21st reporting the 30 day late, my credit score dropped XXXX points to a mid-score of XXXX ; worse yet, I have a 30 day late payment, on a mortgage, within the last 12 months. This fatal reporting of the 30 day late has pushed my credit score, credit history from a " XXXX XXXX '' status to a " Refer '' ( Non-Approved ) status and I am no longer approved for the mortgage on the new home. I feel mislead by 21st and I am requesting that, in lieu of the circumstances surrounding the late payment and my perfect pay history during the five year term of the loan, the 30 day late payment was reported in error and that 21st remove it from my credit report to the Bureaus. I would like written confirmation that 21st will report this immediately and that they will be willing to orally confirm this, as well, with all Bureaus and Credit Technology, upon request. The closing on my new house is in XXXX ; if I do not receive compliance immediately from 21st, I will lose the home, possibly be without a home and will suffer substantial financial consequences. If 21st is not willing to immediately comply with this request, I will file a written complaint with the CFBP today.
02/26/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MS
  • XXXXX
Web
In XXXX we purchased four lots of land cash, with the intent to have a house put on it. On XX/XX/XXXX we took out a loan using the land as collateral to make some improvement to the land. On XX/XX/XXXX, I obtained a loan to purchase a manufactured home. Me and my wife fell on hard times in XXXX. On XX/XX/XXXX I tried to do a loan modification through the XXXX program, and it was denied due to it being a manufactured home. Because of this we had to file for bankruptcy, during the meeting with the creditors 21 Mortgage would not come to an agreement with us and we have been trying to work out an agreement but have been unsuccessful. I have tried several avenues to work with 21st Mortgage but they have rejected each one. As of XX/XX/XXXX our home has been reclassified as a residential home and therefore should qualified for the loan modification. On XX/XX/XXXX my husbands attorney XXXX XXXX sent XXXX a letter giving them authorization to communicate with 21 Mortgage on his behalf, which I have enclosed. XXXX tried to contact 21 Mortgage to do a loan modification and they declined, stating the house and land was in foreclosure and could not be stopped. On XX/XX/XXXX @ XXXX XXXX tried contacting them again after my bankruptcy was filed, to request them to reopen the case for further review into a loan modification and they declined, stating they would not reopen the file without court order. XXXX has advised us to file a complaint with the Consumer Financial Protection Bureau, because 21 Mortgage is not acting within the law. On XX/XX/XXXX, I requested my bankruptcy attorney get a payoff amount, and he was unable to do so. I received a letter on XX/XX/XXXX informing me the house and land was in foreclosure, which only gave me 28 days to act. I contacted their Attorney for the payoff amount for the land only and they said I have to pay for both the land and the house, and this was my only option. Now, the original loan obtained from XXXX XXXX was for the land only in my wife, XXXX XXXX 's name, and my name XXXX XXXX as a co-signer. This current loan through 21 Mortgage does not have my wife 's name on it at all, according to the mortgage statements and the account managers at 21 Mortgage it is in my name only. According to my Attorney both loans have been combined, my wife 's name has been removed and there is nothing I can do about it. This has been a horrible experience for me and my family and I am trying to save my home, my land or both. Thanks for your help!
12/13/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 789XX
Web
( Irregularities in order to Foreclose our Mortgage & Evict- Real Estate used as Colleteral ) On XX/XX/XXXX received " Letter of Default, Notice of Opportunity to Cure Default, And Notice of Intent to Foreclose '' in this Order. We were delinquent XX/XX/XXXX & XX/XX/XXXX payments. On XX/XX/XXXX we received letter from XXXX, XXXX XXXX XXXX, XXXX. attorney XXXX XXXX XXXX " Notice of Acceleration And Notice of Foreclosure Sale '' in this Order. According to Attorney XXXX XXXX Mortgage stated to them they already sent us A " Notice of Default and Right to Cure Default and Intent to accelerate dated XX/XX/XXXX which this statement is Not True to Facts! We have Not once received a " Notice to Accelerate '' from 21st Mortgage Corporation on XX/XX/XXXX nor a Notice in year XXXX or XXXX. On XX/XX/XXXX, 21st Mortgage mailed a " Reinstatement amount due '' for {$4000.00} due by XX/XX/XXXX. If paid AFTER XX/XX/XXXX a {$20.00} late fee would be charged. Also on XX/XX/XXXX i had already sent 21st Mortgage Corporation {$1800.00} which this amount was received and applied to my account. 21st Mortgage deceived us by accepting monies after they had already sent " Notice of Acceleration and Notice of Foreclosure Sale on XX/XX/XXXX. I, XXXX XXXX took the Reinstatement received on or about XX/XX/XXXX as 21st Mortgage giving us opportunity to " Reinstate Mortgage '' which by law must give us the Right to do so lawfully.. Instead 21st Mortgage gave us the date XX/XX/XXXX to pay Reinstatement of Mortgage which we did. At the Same Time 21st Mortgage went forward with " Foreclosing my Mortgage and Sold my property which was used as a lien. 21st purchased my real estate ( XXXX ) themselves to secure remaining balance on loan. This is unfair and business not conducted in " Good Faith ''. Trickery was used to make us think they abandon/cancelled Acceleration of Loan & Foreclosure Sale allowing Reinstatement. XXXX XXXX whom was handling our business records as 21st Mortgage Legal representative intentionally mishandled and deceived us. We had right to Reinstatement paid Reinstatement monies of {$5800.00} to Stop Foreclosure. Now we're fighting " Eviction '' because 21 st Mortgage denied/refused Reinstatement and documents filed contained Irregularities '' to obtain my property. Your assistance requested in this matter. Documents ( evidence ) is in the process of being submitted to back this complaint filed. Thanks XXXX and XXXX XXXX. This ordeal has added more stress on us this far!!
11/06/2015 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • CA
  • 91304
Web Older American
We bought our home back in XXXX about two thousand and thweve and we had nothing but problem since we had it and from the start when we did get our home there was pose to be things done to it, which was the complete both outside of our mobile home was to be repair cause of siding was needed to be replace of which it was rotted out and we was told this would been done and also our complete roof would be replace and which this was not done either and also before we move in, when we look at our mobile home we saw that their was new complete appliances which was new kitchen stove and over the microwares, new dishwasher, there was a refrigerator in the home when we look at the place and also new complete washer and dryer to do your clothes and also we had to repair the kitchen faucets after we move in and this should not have happen and also the heater and air conditioning unit would not work and we had to call the repair man out which was many times to fixed it right and to this day it stills is not working so good and yes we have sent letters to our mortgage company many times and this was done before we move in and after and to this day and yes we had to replace the XXXX toilets in each of our bath rooms because we had water going all over the bathroom floors and we kept looking to see the place it was coming from and there was clacks on the side of both toilets and yes I or we did replace them at our cost and now when we had to take up the carpet in XXXX of our bath room we saw that the floors underneath is bad and now we are going to this day have to replace this of which we do have the materiel to do the job with which we had to buy these things to do it with and the labor we are doing it ourselves and also we found others problems and yes we sent letters showing al of this to the mortgage company and nothing done as to we had to replace all XXXX fans and light kits in both of our bedrooms and our dining area which was not working after we move in and yes we said something on this matter too and yes we have all of this in written form to our mortgage company and yes we have found few others problems too we did not know and to this day we have put out money of our pockets which we should not have or had too and no we did not buy this home as is and I know better than that because I been around all of this over the years and yes we asking for these things to be repair at no cost or money back to us on what we spend so far and other too
11/17/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 310XX
Web
I have my mortgage with 21st mortgage. So far these people have not followed by any of their own contract rules or by the law from my understanding of it. My mortgage is do on the first like everyone else is. but from the XXXX till the day I pay it, my wife and I get calls asking why we have n't paid yet, threats to take us to court to collect the payment and this is all before the XXXX before it is even late. We have never been 30 days late. The one time they argue we where was a XXXX up in their processing system and we where told they fixed it and noted on our account that it was their fault, but every month we still here how we where late and it our fault and that there are no notes on our account. Now this month we spoke to them ( several times and now again on the XXXX ) and said we wont be able to pay till the XXXX due to my wife being hospitalized and having to pay for her meds. They told us they did n't care and that we need to call all our family and friends and borrow the money and get it to them now and that they refuse to approve of a late payment. And now today XXXX XXXX ) at XXXX we have already received another call asking us where the money is and why the payment has n't been made. Now im not a rocket scientist, but when you call the night before and ask for money after all the banks have closed ( around XXXX ) and then call again the next morning before they open, where am I suppose to get this money from in the middle of the night. These people act more like loan sharks or the mob more than they do a mortgage company. My wife and I have had to put up with this behavior for almost a year now and are looking into refi with any other company that we can get in with, even if the rate is higher, just to get away from this kind of behavior. These people will lie and cheat you and do n't care about you or your family. They have also asked me what days I get paid, how much my check is, am I an XXXX and how I should n't be, how I should use my beer and drug money to pay them. The bad part is I have XXXX XXXX and XXXX make it worse and I have n't drank in 10+ years. But these people have told us ( with no prof XXXX way or the other ) that they fully believe we spending or mortgage on drugs and alcohol. The amount of pure crazy slander that comes out their mouths, is staggering. These people are nasty and mean and will say whatever they want. They do n't care what legal they only care what gets them their money.
10/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77327
Web
My family had recently moved into our new home. I was sadly laid off from work the same day my house was put on my lot. So money is very tight have been collecting {$560.00} from unemployment. And anyone with common sense would know the current situation. Basically a lot of bad luck at the moment. Now there was a mishandling of some documents that the home builders were supposed to send to the bank concerning when the first payment was due. To our knowledge, the first payment was due on XX/XX/XXXX which the documents stated. Sadly that was not the case apparently the first payment was actually due on the XXXX of XXXX. We hadn't even been living at the home for a week. I was out of a job and my stepson was also. By the grace of XXXX, we found jobs and have been working for roughly about two weeks trying to earn up the money. My issue comes here... A lady called me today and was asking for {$1600.00} to be paid immediately. Now I tried to arrange a {$2000.00} payment with her for Friday, XX/XX/2022. She stated that " no you don't need to make a payment of {$2000.00}. When I'm only asking for the month of XXXX ''. She then transferred the phone to a gentleman who was extremely rude and even told me " I don't care how you get the money, sell, pawn, or do whatever. But I need a payment of XXXX ''. That was a new amount for me so I asked him why that amount. I'm not very familiar with the law but to my knowledge, I have roughly 30 days to make a late payment. If that is correct the 30 days ended on Saturday XXXX of XXXX, 2022. Now my stepson offered to pay the {$1600.00} TODAY XX/XX/2022. But he said no he wants the {$3300.00}. Now if he would've just accepted that today and the {$2000.00} on Friday everyone would've gone home without a headache. I attempted to make the payment online right now and it has seemed to have been blocked by him. I don't understand why he has to be so difficult can he not comprehend we as a family are in very tight situation money-wise, and I'm offering him a resolution and he does not want to take it? We don't have the full money today but have half of it, why be so complicated to crush a family 's dream of being homeowners what happened to the XXXX XXXX? Yes on XX/XX/2022 we spoke on the phone to login into my account to keep track of the payments. I had said to him that on XX/XX/2022 I would make a payment, sadly we only had very little money earned and missed the date.
06/26/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • CA
  • 92262
Web
My husband and I have applied for and been approved for a mortgage to purchase a manufactured home. Our lender is 21st Mortgage. Because I am XXXX, the lender has required that I provide copies of tax returns, profit and loss statements, and complete a form which allows them to request transcripts of the returns from the IRS. They have been able to acquire all of the transcripts of tax returns except for one ( 2018 ). Because of the global COVID-19 pandemic, the IRS is closed and this transcript is not going to be available for the foreseeable future. We were approved for the loan on XX/XX/XXXX and cleared all of the conditions by the first week of XXXX, meaning that documents were submitted. The hold-up has been one transcript from the IRS. When it was clear this transcript was going to be unavailable, I reached out to 21st Mortgage and offered my own sales reports as well as reports generated by XXXX which would verify my sales for 2018 and thus support the income I reported on my tax return. They have been unwilling to accept this documentation, saying that they require these transcripts for XXXX persons and can not make an exception. However, I spoke with XXXX XXXX, Finance Manager at XXXX XXXX XXXX ( XXXX, CA ), where we are purchasing our home, and she informed me that the lender had made an exception for another borrower who was also waiting for a transcript, " But they have a credit score of XXXX '' she told me. While our credit scores are not high, my husband and I own the lot ( free and clear ) at XXXX XXXX where this home will be placed. We also have {$42000.00} as a down payment which is 35 % of the {$110000.00} total cost of the home. We have demonstrated that we can make the payments of {$890.00} which is {$410.00} LESS than our current monthly rent. As I read the Federal Reserve 's Fair Lending Regulations and Statutes, it appears to me that it is not allowable to extend an exception for COVID-19 to one borrower and not to others. The regulations protect consumers against disparate treatment. Furthermore, every American is suffering from the COVID-19 pandemic. If not for that circumstance, this loan would have been completed, and we would be living in our home. Credit score has zero bearing on this matter and to use that to deny us an exception granted to other borrowers is not equatable treatment. Please investigate this matter.
10/18/2023 Yes
  • Mortgage
  • Manufactured home loan
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • SC
  • XXXXX
Web
21st Mortgage representatives continue to exhibit verbally and emotionally abusive behaviors toward me when calling in and attempting to make payments. Today, XX/XX/2023, I called in to make two payments by phone because I am unable to make online payments as they lock accounts out from making online payments when the account is past due any amount. I am due for XXXX and XXXX. I attempted to call on three separate occasions, today being the third, to make the payments and each time was told they needed a third payment, which only came due today. They proceeded to harass me over why I was past due including mocking me stating that maybe I should be able to afford my mortgage and be on time. They implied a refusal to take the two payments without a third followed by a refusal to continue with my mortgage. When pushed to clarify what was meant by " not continuing my mortgage '' they stated they " didn't say that. '' After telling me they could not take my payment without a third payment added to it, I asked them to restate that they were refusing to accept my payments. They claimed they were not saying that, yet still did not accept my payments. This tactic is similar to a XXXX XXXXXXXX tactic where the person is told something and then the perpetrator gaslights them claiming to have never said those things. It is a bullying and harassing tactic designed to push the person further toward default. I suggest looking into XXXX XXXX as well as 21st Mortgage for these patterns of default and resale as it is their business model. Please note that they are well aware that my income has decreased over the last 2 years, that I was impacted heavily by a COVID job loss, and that I am currently caring for a daughter with XXXX XXXX. Despite my transparency, they continue to verbally berate me and conduct themselves in a combative and abusive manner making it extremely difficult to manage my account and make payments. Their treatment continues to cause undue stress and XXXX XXXX. Please see a previous complaint # XXXX. This is clearly a pattern of behavior deemed acceptable by the organization and its leadership. Having to make payments by outside means adds to the financial burden. No mortgage servicer or company should ever be able to prevent someone from making their payments and as a result, cause such deeply damaging XXXX XXXX
05/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 350XX
Web
21st Mortgage Corp reports inaccurate information to my credit reports on XXXX XXXX and XXXX. 21st Mortgage Corp 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, 21st Mortgage Corp would not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX It sat unoccupied for many months. 21st Mortgage Corp did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from 21st Mortgage Corp with XXXX XXXX, and XXXX 21st Mortgage and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. XXXX, XXXX, and XXXX should have deleted the account from Mortgage 21st Corp due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. 21st Mortgage Corp has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX County Property Taxes website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With XXXX it reports a higher balance due- The address & phone number does not match the contact information for 21st Mortgage Corp. from my XXXX XXXX XXXX credit report. 21st Mortgage Corp. provides three different contact addresses to XXXX, XXXX, & XXXX. The ledger balances from my XXXX, XXXX, & XXXX are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the 21st Mortgage Corp account with XXXX, XXXX, and XXXX it will show that the three bureaus, along with 21st Mortgage Corp just updated with more inaccurate information- Instead of removing the account from my reports.
04/13/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 346XX
Web
Good afternoon, To start I would like to summarize the issue please for clarification and so you may direct me in my goal. All we are looking for is to lower our payment to a more comfortable amount to secure our future payments. We are believing our lender gave us a predatory loan with low down payment to entrap us into a high interest mortgage XX/XX/XXXX. We received the loan from 21st. mortgage on a manufactured home. We have a paid off 1.47 acre plot of land in XXXX, Fl and the agreement was to use the land for the placement of the home in lieu of a larger down payment but we had to combine the land into the package!. We are looking for a way to refinance our manufactured home with FHA or lower interest 1. My current interest rate is 9 % on a {$100000.00} mortgage we are willing and able to continue but we need this debilitating interest rate to go down. 2. I am highly convinced it was a predatory loan from the start. 3. I believe they were misleading us asking us to give our land as collateral and add it into the loan package we could get the loan for only {$500.00} down. ( Our land value free and clear {$34000.00} at that time. ) 4 We still paid {$3500.00} ( was a hidden cost not disclosed to us until final closing days ) for the well to be completed. 5.they made false promises to refinance and lower the interest rate after a few years. Now its 6 years 6. They threaten to foreclose when I am 20 days late even during this Covid 19 emergency we feel is an unlawful act 7. I called and spoke with representatives behavior was belligerent, disrespectful and belittling to me. It was a great stress and left me feeling XXXX that I may ever obtain a Humane interest rate. This leads one to believe the lender is lying in wait for you to default. 8. I emailed them to make further arrangements and they blocked my message period. They were insisting for a call in to make a payment and again harass me ... basically. 9. I worked 30 years in XXXX, to help people. But you find little help for yourself later it seems Now is XX/XX/XXXX and we made our XXXX payment but they are being inflexible and demanding for the XXXX mortgage by XX/XX/XXXX. As I felt trapped in this high interest mortgage we had no way to make an adjustment. Unless they stated " to be on time for 2 years ''. Any help is so appreciated Thank you
08/02/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • XXXXX
Web
21st Mortgage Corporation ( hereafter the mortgage company ) is suing me for possession of my home. My husband XXXX XXXX died on XX/XX/2021. I am the Successor of Interest because I am his wife of XXXX years. The mortgage company was in communication with me about bringing the payments current up until I advised them that I would not be able to bring the account current. The mortgage company would not answer my question about whether or not the mortgage had private mortgage insurance that would cover the entire amount owed in the event of death. The mortgage company did not attempt to contact me again directly via mail or phone regarding loss mitigation options. The mortgage company sued me and attempted to serve me the first time on XX/XX/2021. In the suit they lie and state that the loan has been accelerated and foreclosed on which is an ABSOLUTE LIE - ( see the attached Notice of Delinquency dated XX/XX/2021 ) which was mailed over a month AFTER the lawsuit was filed. They are seeking possession without having any proof of my identity or proof of my husband 's death. They are not seeking monetary relief in the illegal lawsuit because they can not, I am not on the note - yet. The mortgage company is in violation of multiple requirements designated by the CFPB with regard to handling the rights of a successor of interest/heirs of a deceased mortgage holder. The mortgage company has communicated with the landlord of the lot my husband rented in order to bully and intimidate me into moving. The mortgage company used aggressive and scary tactics to attempt to serve me including having a woman scream my name at my door and yell out that the Texas Supreme Court was serving the papers ( for the illegal lawsuit ) on XX/XX/2021. Despite my posting No Trespassing signs on my door the mortgage company again sent a person to knock on my door on XX/XX/2021, XX/XX/2021 and XX/XX/2021. During one of these trespassing incidents the person banged on the mailboxes outside and when I opened the door a man in a white truck with tinted windows sped away. This was very upsetting and scary as I am a widow now, I live alone and have no friends or family nearby. I will be filing the proper inheritance forms with the county this week regarding the mobile home - an Affidavit - Statement of Inheritance.
09/13/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • LA
  • 710XX
Web
I filed an insurance claim for damage to my home and the check was made to myself and my mortgage company. I have been in touch with 21st century mortgage several times in reference to getting the check dispersed. We finally settled on an agreement that if I caught up on my mortgage they would surrender the check to me so I can make repairs. I have caught up on my mortgage, but now the company is saying that I have to purchase all the materials needed to make the repairs and pay for the repairs then submit receipts before they will give the check to me. I can not afford to do this. I need the check to purchase the materials and pay for the repairs. It is extremely urgent that I get these funds to repair my roof. A company representative told me that once I caught up on my mortgage that they would send me the check, but now they are saying no. I need to make the repairs first. It is very disappointing and frustrating that the company is holding my insurance check as they have never paid a payment on my house insurance, I have always paid it myself! In addition, I have several other issues with this company. My mortgage originated XX/XX/1995 with XXXX and then it was sold to 21st mortgage. I have had this mortgage for twenty-one years. And the original amount financed was {$51000.00}. I have had this mortgage for 21 years. The annual percentage rate was 8.75 % and the monthly payment was {$420.00} We have paid over $ XXXX towards our home and the company is refusing to send me the payoff amount. When I asked for the payoff the representative said she would send it, along with the contract. However, I have yet to receive either. I would like an explanation of why I have n't received the pay off or contract. As well as, an explanation of why I have to pay so much on this mortgage. I have paid almost three times what my home is worth. I was young and trying to get started with my family and I was completely ripped off by this company. I did n't know any better, but this was definitely a case of predatory lending and I hope that it is not to late right this wrong. I have a child in college, XXXX XXXX child living at home, and XXXX child that is finished with school and I am tired of struggling. I would like to be able to help my family, but 21st mortgage is trying to bleed me dry financially.
04/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11207
Web
On XX/XX/XXXX I acquired a 80/20 mortgage for the sum of {$360000.00} & {$90.00}, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CRFN # XXXX Rec. XX/XX/XXXX & CRFN # Rec. XXXX Rec. XX/XX/XXXX Rec. in the XXXX County Clerks Office. On XX/XX/XXXX & XX/XX/XXXX there were two satisfaction of mortgage, the {$360000.00} was supposed to be return to me XXXX XXXX which I never received Rec. in the XXXX clerks office CRFN # XXXX & the {$90000.00} was return to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX CRFN # XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX claim that I acquired a mortgage of {$540000.00} not a assignment or sale from XXXX XXXX XXXX XXXX but a mortgage. In fact I never took another mortgage on the property how is it possible to buy the property twice, the amount of the mortgages was {$360000.00} + $ XXXX= $ XXXX.if there was a refinance which never happen meaning I had to take money out of the property, were is the check and who cash it? On XX/XX/XXXX XXXX XXXX XXXX XXXX assigned the mortgage to XXXX XXXX XXXX XXXX and Rec. it at lease two years later XX/XX/XXXX XXXX county office CRFN # XXXX. XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX assigned the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX had no servicing rights see case # XXXX ( XXXX ) UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF LOUISIANA XXXX XXXX DECLARATION OF XXXX XXXX XXXX as president of XXXX XXXX XXXX on XX/XX/XXXX assignment from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX four years later. On XX/XX/XXXX assignment from XXXX XXXX XXXX XXXX to XXXX XXXX. XX/XX/XXXX assignment from XXXX XXXX to 21ST MORTGAGE CORPORATION which bought a fake NOTE into the court as I explain to the judge. The banks & servicer are dealing with deceptive practices. On XX/XX/XXXX effectively XXXX XXXX XXXX XXXX assign, transfer or sold all servicing rights to XXXX XXXX XXXX XXXX. With no recording in the XXXX clerk office. XXXX XXXX XXXX XXXX Also are claiming I did a modification with them which never happen, further more they didnt own the mortgage or the rights to service the loan. Now I am in danger of loosing my home with a sale date in a couple of weeks these banks an servicers has know right to foreclose on my property. and there is many issues with the assigments.
06/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 77303
Web
XXXX XXXX : NMLS license : XXXX Has been holding the loan hostage to show me she has the control. She has been dragging the loan process out tell they had to re-pull my credit report. XX/XX/XXXX I spoke with XXXX about my loan and he said over the phone they are waiting on the down-payment. I provided the proof of the down payment to the lender and proof where the money came from. XXXX came back in the picture and demolish what XXXX did. It has been 36 working days and she lied and said it was 60 working days. Each time I spoke with her she would be rude and talk to me with her mouth full of food or gum. On XX/XX/XXXX she reverse everything that was agreed on that morning. XXXX would talk over me like a nagging nat while I was explaining to her I sent in the required documents. The Dealer had also sent in the requested documents and she would claim we never sent them in to 21st Mortgage. She would purposely not update the documents that the dealer and I provided. XXXX knows I am active military and XXXX. I since the way she is treating me the disrespect is that she doesn't like XXXX military men. That is why I believe she is purposely dragging the loan out. After I spoke with her she wanted another {$3000.00} dollars for a downpayment totaling {$7000.00}. I complained and it was dropped back to {$4000.00}. I had to reach out to a nonprofit organization for an additional downpayment and she had a bad attitude about me receiving downpayment assistance. My income is XXXX ( XXXX ), XXXX XXXX, plus my wife 's income. We prequalified with them. The other thing is 21st Mortgage will not place the correct escrow amount on the documents. ( They claim federal law mandates them to do so. ) Their estimate for me is about 7 years of taxes of what I pay which is school tax. I am tax exempt and they claim they have to charge me the taxes as if I was not tax exempt. Before they told me it was federal law, I was told I had to obtain a document stating how much my taxes were. Then it was that I faked the document. One employee there actually stated that I could fake all my documents and thats why they are not excepting them. That was the other thing that was preventing me from obtaining the loan. I believe XXXX should lose her NMLS license for prolonging my loan process.
01/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NE
  • 691XX
Web
This is an ongoing issue with 21st mortgage Corporation. We have had our loan since XXXX and a voice kept in good standings up until we had a business go under in XXXX. But even then our priority was to get our home payment in as timely as possible. I was trying to call and deal with these people to let them know the plan. We've had an ongoing issue as I got hurt at work in a file for work comp. The staff in the entire company is so unprofessional with her attitude and demeanor is atrocious. I finally have my wits end today as I told them we have a plan to resolve but are waiting upon the US Postal Service. I was informed that I need they need to know exactly when I would be resolving, so I again told them the processing had been done at the company for the plan to get caught up with our payments, and just waiting for the US Postal Service to deliver the payment. As soon as payment is received I would be making a payment to them. Their response was as usual I'm irresponsible and have no priorities. Then we have to rehash the last 18 months of how we ended up where we are now even though they're supposed to be keeping records of all the times I have called and kept them up-to-date on all the developments that have happened in those 18 months. The one lady even said that's too far back it doesn't matter to her even though it's relevant to the Fact we are waiting on Workmen 's Compensation. After hanging up on them because there is no resolution possible since they demanded I have the payment in by closing time today or else. I found the hope counseling number on the Federal Trade Commission website. I worked with a counselor there and conference called 21st mortgage. Goal was to figure out some type of loan modification or plan to get caught up and they have no plans and they do not put dissipate with mitigation at all. She couldn't believe that they didn't work it any way shape or form to get a person caught up on their loan. He was at least professional in dealing with a phone call. When I have to call them again I will definitely be utilizing that the counselor has them mediator. They really need to work on training their staff to properly and professionally deal with collections versus the bashing, belittling, and bullying that is going on
06/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 331XX
Web
In XX/XX/2005, XXXX XXXX XXXX, XXXX attempted to foreclose on us, using a forged promissory note. The case was dismissed. Thereafter, 21st claims that through a series of transactions, they acquired the note and mortgage. With actual knowledge of the fact that the documents were forged, they have now refiled a new foreclosure action using the same forged documents. That they filed the forged documents in the official records of XXXX XXXX County, a FELONY. When we learned they were attempting to use the forged documents, we notified them to cease and desist ; and during the 30 day debt dispute period, disputed that the money was owed on the forged documents, and further, provided them with the police 's experts report clearly showing that the documents were forged. They continue to maintain the foreclosure action based on the forged documents after the first case was dismissed AND they refused to respond to the qualified written request, stating that it was too burdensome and therefore refused to answer any of the reasonable questions asked therein, including proof that they paid value for the forged documents, or whether they were aware that the documents were forged, and I provided them a copy of the forgery affidavit along with the QWR they refused to fully respond to. They are in violation of the CFPB 's prohibition against DUAL TRACKING AS WE ARE UNDER LOSS MITIGATION ATTEMPTS WITH THEM IN A REASONABLE EFFORT TO REDUCE THE STRESS ON MY SPOUSE, and while in loan modification negotiations, they served my wife with foreclosure papers, using the forged documents, at her work. They need to be severely punished, and the individuals who suborned perjury need to be arrested and put in jail for committing a felony. Ask them if they knew the documents were forged, If they say no, then show them the attached report from the prior case and affidavit from the forensic expert who is regularly hired by the local constabulary and already a matter of public record and a matter of record in a case that they themselves dismissed. They were aware of the forgery, had actual knowledge of the same, and used the forged documents in a new case. They need to go to jail.
08/22/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • XXXXX
Web
I started my process of buying a mobile home in XXXX XXXX XXXX XXXX onXX/XX/2018 they asked for a few things to be paid off to be approved. On XX/XX/2018 they finally approved my application. On XX/XX/2018 they sent me another notice they needed more to close the sale. On XX/XX/2018 they sent me a denial email after approving me and their reasoning was they didn't know how much the lot rent would be and it took me over my debt to income ratio. They had all that information sent in when I applied for the home. On XX/XX/2018 they sent me another notice they need more information to close. On XX/XX/2018 they sent me another email requesting more information needed to close. At this point the park moved me in as a renter believing the sale should be closed in a couple days. On XX/XX/2018 they sent me another email requesting more information I already sent in to them on several occasions including homeowners insurance I found that was cheaper. On XX/XX/2018 they sent me another email requesting more information. On XX/XX/XXXX they finally sent my closing documents resulting in me having to pay an additional XXXX ( including lot rent ) to the XXXX I already put down on the mobile home early XXXX. I had to take out a loan to pay it since I had already paid them the XXXX. Then early this month my homeowner insurance agent emailed me asking about the payment for the insurance they have yet to receive. I had to call around trying to find it when I spoke with 21st mortgage they sounded like the understood what I was looking for but then called me back and said they didn't understand what I was asking. When they sent my documents over to XXXX who bought my mortgage they sent their homeowners insurance so they would be paid instead of the correct one. The whole experience was horrible and drained me of all my savings. They knew what they needed in the beginning but drew it out two months longer then it should. I had to cancel my insurance with them and I am still waiting on the refund to pay the correct agent but no one knows where the refund is or when I will receive it. My agent has already paid the correct insurance but the refund needs to pay her back.
12/27/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • IL
  • 622XX
Web Servicemember
I purchased a manufactured home from XXXX XXXX XXXX/XXXX/14. it was a XXXX bedroom home that we origanly agreed to pay {$8000.00} down but XXXX XXXX asked us for an additional {$4000.00} down saying that we had to have a brick foundation in the area that we purchased the land do to the location building codes. With {$12000.00} down on a XXXX home we should have borro orrowed {$66000.00} with 26 year repayment of {$450.00} monthly. before the home was completed 21st Mortgage asked for a {$830.00} payment immediately before we completed any paperwork or received the first mortgage payment book. When I received the first payment book 60 days later it had a 10 % interest rate with borrowed amount of XXXX and monthly payment of more than {$82000.00} a month. When I spoke to XXXX and the mortgage company they indicated that the amount would be corrected and that never happended. Instead the threatening phone calls demanding the full amount of : {$820.00}. We also never received the accurate settle amount it sad we borroewed over XXXX on our credit report and when I called 21st mortgage again I got no correct answer. I estimated that paying 26 years at {$720.00} a month and being modist that the XXXX should include our property tax that 21st Mortgage has not paid to date, we would have paid {$220000.00} on a {$60000.00} loan. I have had to file with the bankrupty court not able to alleviate the issue and get true justice. XXXX also clearly allowed 21st Mortgage to rip us off and cause us finantual heart ache as well. I have enclosed some of the cdret approval letters that they kept sending in both my name and then my husbands while they changed the amount we should have been borrowing in a matter of days. We received over XXXX offer letters from 21st mortgage with XXXX different loan amounts up until the home was delivered with out notice to our land. Can someone please help me I ca n't even get a honest answer as to how much is owed on my loan toady minus the three year paymnt that has been made to 21st mortgage for the poast three years or the location of our property tax payments. I am enclosing documents that I have found so far.
12/28/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
Web
This is my second complaint as new information regarding the same loan has come to light. 21st Mortgage Corporation is presently actively attempting to resell my home due to " promises broken '' ( first line of their letter NOTICE OF OUR PLAN TO SELL PROPERTY ). I am not behind in mortgage payments. I did suffer an illegal unlawful detainer which removed my right to land that I had rented for over 9 years. I improved said land as a necessity due to the poor and unsafe conditions I moved into as the space had been vacant for over four years. The bank has stated " no land, no house ''. The Department of Fair Employment and Housing has begun an investigation into discrimination and defamation I suffered due to the fact a mobile home manager has no oversight and can persecute anyone they desire, for virtually anything. The bank is aware of the facts (XX/XX/XXXX letter included in first complaint ), as well as, my letter to them dated XX/XX/XXXXwherein I once again, acknowledge their dual tracking and now their attempt to take ( which they didXX/XX/XXXX) property they have no right to take, and now asserting their " right '' to sell property that is not theirs. Using language so vague as " promises broken '' does not explain nor acknowledge how this bank did not have to process a loan modification, and were able to seize my home, change the locks, and then put the home up for sale without my permission, or involvement. Copies of the last four mortgage payments are included for your review. THIS BANK HAS PARTICIPATED IN DUAL TRACKING AND SIMPLY LIED TO ASSURE CFPB THAT NOTHING ILLEGAL IS HAPPENING. Now I 'm suffering, once again, due to the banks actions, a sale of property I have maintained, improved, and paid for faithfully. If I am the responsible party, why do I have NO AUTHORITY?? PLEASE INVESTIGATE THIS BANK AND THEIR ILLEGAL ACTIONS AS THEY ARE ROBBIING ME OF MY HOME AND MY LIFE. Simply because they can. No one is overseeing unscrupulous land owners, and banks that refuse to lower outrageous interest rates ( XXXX ), and then seize a home they have no legal right to. PLEASE, PLEASE DO NOT LET THEM LIE AGAIN!!!!!!!!
04/27/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 20743
Web
I got a couple of months behind on my 2nd mortgage due to moving my mom XX/XX/XXXX into a XXXX building and dealing with XXXX XXXX since XXXX. I started XXXX XXXX received a XXXX XX/XX/XXXX and spoke to the mortgage company of my situation. However, they would offer solutions that I couldn't meet and I refuse to agree to something I knew it was impossible for to meet due to my mothers income is used for her care and my short pay/no leave in working due to XXXX 3 days a week and being out for my XXXX XXXX. To this day they still will not allow give me an offer that is acceptable that I can meet. I sent an email the CEO down to financial counselor on XX/XX/XXXX. He responded on XX/XX/XXXX, stating they assisted me in XXXX, XXXX and XXXX. I tried to email them all again today XX/XX/XXXX, only to find out all the email address have been changed/blocked and I can no longer reach them via email or phone. I spoke with the financial counselor today XX/XX/XXXX to make a counter offer. They wanted me to pay {$1100.00} by XX/XX/XXXX and they pay XXXX and XXXX. I would start fresh in XXXX. I know I can't come up with that amount during this time of uncertainty. So I counter offer and requested that the {$1100.00} be put on the back of the loan, their agreement would still stand with them paying XXXX and XXXX, that would allow me to start afresh in XXXX with making regular payments. They would not accept nor would they discuss any other options with me. I stated to then I could NOT accept an offer I know I couldn't do. I didn't think my offer was unreasonable. I just need help to get restarted. XX/XX/XXXX I was one payment behind. The government was shut down XX/XX/XXXX to XX/XX/XXXX no pay for government of contracts during that time. XX/XX/XXXX I was 3 payment behind due to the shut down email XX/XX/XXXX. On XX/XX/XXXX I made a payment for {$250.00}. I made a payment for {$450.00} XX/XX/XXXX. XX/XX/XXXX I mailed a payment of {$400.00}. XX/XX/XXXX payment of {$250.00} was made and XX/XX/XXXX a payment of {$630.00} was made. I have been trying to catch up but due to everything that is going on it's impossible.
06/23/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 700XX
Web Servicemember
On XXXX XXXX, XXXX 21st Mortgage sent me a letter in regard to my first complaint # XXXX. The payoff amount at that time was {$870.00} good through XXXX XXXX and {$890.00} good through XXXX XXXX, XXXX. When I called XXXX XXXX, Staff Attorney it was changed from those amounts to almost {$3000.00}. I had explained to him that I wanted to pay it off and he did n't comply he paid the insurance and now I have to pay this amount. I have called them on numerous occasions and now they are sending me a foreclosure notice because of this saying I owe them {$870.00} or they would take my home. I tried to call XXXX XXXX, a financial counselor and he hung up in my face. The next thing I know I am talking to a woman who is being rude to me and think she can say and talk to me how she wants, I immediately told her I wanted to speak to either XXXX XXXX or XXXX XXXX. She left me on hold for approximately 25 minutes and they ( meaning 21st mortgage ) sending me to different places and different people. This company and their scare tactics has driven me to become XXXX and afraid. I am a XXXX Veteran with XXXX XXXX XXXXXXXX due to XXXX and XXXX XXXX. They refuse to let my daughter speak with them and when I am on the phone with them, they are threatening me and telling me there is nothing you all can do about it. I would still have to come through them and they can make my life a living XXXX if I do n't pay them. Since then I have called my doctor and explained to them I am having XXXX because of this event that is taking place in my life. I ca n't sleep or eat and I am losing weight not trying to lose and my XXXX XXXX is very high. PLEASE I AM A VETERAN THAT NEEDS HELP AND I DO N'T KNOW WHERE TO TURN AND WHAT TO DO. During Hurricane XXXX there was a trailer company that came to XXXX XXXX La and everyone was so devastated they wanted to come home and brought trailers from these people, and so did I. 21st Mortgage have ripped off a lot of people old and XXXX because they do n't have anyone to fight for them. If I owe them {$3000.00} why are they sending me a book for another year that I owe them how is that possible.
03/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95111
Web
During the pandemic I had fallen behind on my space rent with XXXX XXXX XXXX XXXX XXXX XXXX. I was current on my mortgage with 21st Mortgage Co. Around XXXX of XXXX when trying to communicate with my park managers regarding payment, I learned that 21st had paid my past due rent on my behalf per a security agreement I made with XXXX although at the time I had a pending application with XXXX XXXX XXXX for rental assistance. Despite my efforts to speed up the process of my application and efforts in communicating this with 21st and XXXX, 21st had then refused to wait on the processing of my XXXX XXXX XXXX application and continued to pay on my behalf. 21st then refused to allow me to pay on my mortgage loan unless I paid in full payment what they paid to XXXX on my behalf. Their action then caused me to fall in Default with my mortgage. Due to the action of both 21st and XXXX, XXXXXXXX XXXX XXXXXXXX did not pay the full amount I requested. Because 21st paid my past due rent, XXXX refused to say that I owe any past due rent which is why XXXX XXXX XXXX did not pay. I still owe {XXXX} of past due rent. Also because 21st refused to take my mortgage payments I now owe an additional {XXXX}. Totaling {XXXX}. On or around XX/XX/XXXX, my home was to be sold at private sale. I was told by 21st that I could reinstate my home by paying {XXXX}. I made a payment of {XXXX} via XXXX XXXX around XX/XX/XXXX, the payment was accepted but later returned. I refused to take the payment back so 21st again accepted the payment and again returned it. I still refused to cash the check they sent to me so they finally accepted the payment. 21st sold my home at private sale to themselves, leaving me with nothing to survive on. They are now trying to evict me from my home that Ive owned for over 20yrs. My home that I raised my XXXX XXXX daughter in, my home that I am raising my XXXXXXXX XXXX daughter in, my home that I put over 20yrs of hard earned work for. If I lose my home not only will I have lost hundreds of thousands of hard earned money but both my XXXXXXXX XXXX daughter & I will be XXXXXXXX.
12/31/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 90043
Web Older American
Hello I am contacting you on behalf of my XXXX year old grandmother. We have been dealing with 21st Mortgage on a loan modification and we were under a bankruptcy. The bankruptcy judge stated the the bank could work with us on a modification while under the bankruptcy. I have been trying to contract the bank for weeks and I was n't getting anyone who would talk to me. I finally reached someone today who told me that they could n't talk to me because of the bankruptcy. I informed them of the orders from the bankruptcy court and they told me that the sale date is on XXXX XXXX XXXX and they could n't review a modifaction package. I told the young lady that I had been calling for weeks and no one from the legal department would n't answer the phone. My grandmother has been in her home for 40 years and she has always paid her mortgage on time until she was put into a loan that she could n't afford. The loan was transferred about XXXX or XXXX times to different lenders every time I put in a loss mitigation package to the new lender the loan was sold again. The assignment are also out of order. And I even tried to ask 21st mortgage about some of the programs that are being offered to help home owners stay in their home. And they basically told me that they do n't participate in any of the programs. My grandma owes XXXX on her home but it 's only worth XXXX and they will not work with us on reducing the price. We desperately need some assistance. The loan number for 21st Mortgage is XXXX. In the past I 've spoken to XXXX XXXX, XXXX XXXX and today I spoke to XXXX at XXXX XXXX who is the head of the legal department and she is the one who informed today that they would not be working with us. My grandma can afford to pay {$1500.00} to {$2000.00} a month but her payments are {$2700.00} a month. And my grandma was in a XXXX from XXXX XXXX until late XXXX. And I explained everything to 21st mortgage and I also told them that I had an approval from an investor for the short sale but they would n't even review my grandmas loan for loss mitigatio. Thank you for understanding,
08/17/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 756XX
Web Older American, Servicemember
Starting in XX/XX/XXXX, when my late husband and I signed the paperwork that we oped to pay bi-weekly the amount of {$620.00} that 21st offered. For 4 1/2 years, we were constately harrassed and verbally abused. When we paid on time bi-weekly, they always said we were late. Then we started paying monthly the amount they wanted to stop the harrassment. Last year in XXXX of XXXX, my husband was working with XXXX XXXX, the company attorney. He was the " go between '' to get a resolution. Finally, my husband agreed to pay them the amount they wanted. He sent a check for {$4400.00} to just have piece of mind. This way we could start with a " clean '' slate. They sent us 3 payments back as in 3 checks. These were full payments we had paid and had cleared the bank. We never cashed them but they backed it out of their system. Now they are saying are behind again. Since XXXX of XXXX when we had a " clean slate '', I have paid a total of 14 payments. In XX/XX/XXXX my husband passed. When I called to let them know in case they needed to death certificate, they LAUGHED! Then they started yelling asking wo is gon na pay. I kept trying to tell them I am. They kept over talking me and kept asking about his kids. Finally I hung up because in my state of mind and still in shock, I hung up. Now they have their attorney involved again. In early XXXX he is wanting a resolution again. He told me they stopped payment on the 3 checks but their paperwork shows they never put it back in. I have all my payments where they cleared the bank. Mr. XXXX is now saying he doesn't " remember '' the agreement in XX/XX/XXXX. I do remember because we would NOT pay XXXX for no reason. They are taking advantage of my husbands passing because he can't speak. I remember seeing the check and paperwork in his things. ( I will have to look again ). I am having anxiety attacks and on medication now. This constant harrassment plus me trying to grieve for XXXX has got to stop. My doctor told me I am at XXXX level now. Please make this stop. I have read many reviews and this is what 21st Mortgage does.
02/21/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • SC
  • 29501
Web
On XXXX XXXX, 2015, 21st Mortgage Company hired a third party subcontractor to illegally evict me and my XXXX children without a court order, then destroyed and illegally seized all of our belongings. 21st Mortgage Company failed to file and serve the proper notice. The subcontractor, intentionally causing emotional distress, anguish, anger, fear of an arrest, frustration, humiliation, embarrassment, when he purposely lied to the XXXX County Sheriff Department, purposely created a hostile environment. When I notified 21st Mortgage Company, unresponsiveness, unsuccessful attempts and due to our homelessness, caused me to XXXX. The subcontractor 's deliberate malicious destruction of my property, intentionally reported to the sheriff 's deputy that I was trespassing.While I was removing my property from the home, after being told by 21st Mortgage Company that they would give prior notice. My youngest son and I was forced to watch the subcontractor and his workers steal everything WE own, forced to watch them take away the memories of my family, throw my property on the back of truck. The subcontractor lied and information was not disclosed clearly and it was misrepresented. The mortgage company 's unfair business practices, stealing everything I own, selling the property with my ceiling fans and light fixtures, I need help getting my property back, due to their deceptive practices. The mortgage company was completely aware of my situation, I also notified their attorneys, and they have refused to investigate my claims, respond to my complaint filed through their internal website. I did not abandon my home, my home was still filled with my furniture, this was not an abandon property, lighting struck my air conditioning unit, I did not have the money to get the unit fixed, did not have the money for utilities, nonetheless the property did not meet the criteria of an abandon property according to SC State Statue. Please send me an email address to send copies of my records. I look forward to your reply and a resolution to my problem.
08/04/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • MI
  • 48813
Web
Hi we lost our home that we was purchasing through 21st mortgage company. We lost the home to a fire XX/XX/XXXX. It was a total loss. The insurance company sent a check for {$32000.00} to pay most of the loan, all but {$1600.00} as reported by XXXX at 21st mortgage company by phone. We sent this check via USPS mail ( See attached ) to the address 21st mortgage companys sent me via email ( See attached ) we sent the check to the address provided and no problems what so ever. This left a {$1600.00} balance. I get another check for {$2100.00} from my insurance company and right away we sign it and send it to the same address provided by 21st mortgage corp. ( See attached ) that we sent the first check. However, this time somehow the mail is rejected by 21st mortgage company as we tracked the mail so we could prove it got there because from what I can see on better business bureau and many other sites that 21st mortgage company can not be trusted. And has hundreds of thousands of consumer complaints. I know this company rejected my check for personal gain so they could add interest and many other charges as now its up to {$2300.00}. As well as an argument with my wife on the phone that one of their employees had started because they wanted over {$11000.00} but we only owed {$1600.00} at the time so it didnt make sense. We told them we would send what we owed. Anyway I sent this check out in time, on time and it should have been closed by now. These companies are taking advantage of consumers at their lowest times of there lives and its pathetic. I just want my credit report fixed as they recorded a missed payment and thats simply not my fault and my lender to accept my check to pay off the {$1600.00} corrected balance. Thats all! Im gon na send the check back and see what happens this time but XXXX cant even get them to answer a phone and definitely not an email so any help would be wonderful these guys need to quit bullying people and doing whatever they want. Thank you!
08/15/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • WA
  • 98498
Web
I am writing this complaint to request assistance with what I believe is an oversight related to the national mortgage settlements. I purchased my home in XXXX, 2007 with what I now know was a predatory, adjustable rate mortgage loan through XXXX XXXX. I unknowingly received XXXX mortgages when I purchased my home because I did n't qualify for the purchase price of {$320000.00}. Somehow XXXX approved me by giving me XXXX separate mortgages on the same day ; a first and XXXX mortgage. When I realized what was happening I was already emotionally invested and on a deadline to move out of my apartment. I had never purchased or lived in a home for that matter and was nave to the business ; and the alliance between the realtor, seller, and attorney " suggested '' to me. My home is currently in foreclosure and only worth XXXX {$140000.00}. My 2 XXXX XXXX have been transferred several times over the past XXXX years. XXXX, XXXX, XXXX, 21st MORTGAGE, and XXXX XXXX XXXX have serviced me since that time. I received a letter from XXXX XXXX XXXX back in XXXX forgiving my second mortgage due to the settlement with the DOJ. I never received any offers or notices of settlements from the other mortgage companies ; and I 'm wondering why I was n't entitled to any relief or reduction in the first mortgage, which is now being serviced by 21st MORTGAGE CORP . I am bankrupt and in debt just because I wanted to live the American dream! What 's worse is I faithfully paid my mortgage for XXXX years- over {$120000.00} in just interest-and now I 'm losing everything because I had a reduction of income after the birth of my son XXXX. I did everything I could to keep my home. I filed for Chapter XXXX. Modified. I just could not keep up with the XXXX mortgages and payments to the trustee without choosing between food for my kids and paying all my other bills. I just want to know if I 'm entitled to anymore help after such a farce has wiped out my entire life savings and left me in debt.
11/16/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TN
  • 38114
Web
With all due respect my wife always will do the right thing. She has tried to work out several ways to lower or catch up mortgage. We receive letters and demands on the daily bases and also emails from time to time. But what the real issue is regardless of the default is we were not given full disclosure. We should all know that pooling, selling notes which is Securitization and fraud lying to investors and it is no longer a nogoetiable instrument it is a non-nogoetiable that has been turn into a security instrument. Through 21st Mortgage Corporation its agents or agent violated T.C.A. title 47 in Uniform Commerical Code section 3-305 ( a ). 21st Mortgage materially altered a contract without the consent of XXXX XXXX XXXX or XXXX XXXX committed Fraud in the factum. This is why this transaction is illegal. And thus fraud which induced us both into a contract upon terms and conditions other than agreed upon. The law is expressed as 3-305 and claim recoupment. And as stated in general rule subsection ( b ). This is fraud and lack of legal capacity or illegality of the transaction WHICH UNDER LAW nullifies the obligation of the obligator. Fraud that induced the obligor to sign the instrument with neither knowledge nor reasonable opportunity to learn of its character or its essential terms ; ; or the law that Governs this note/bond/mortgage security interest lien is the Statues at Large Public Law 13 38th congress Stat 99-118, the National Currency Act which expressed as prima facie Law under the United States Code Title 12 Banks and Banking, TCA Title 47 Article 3 Negotiable Instruments and Article 8 Investments Securities. We are XXXX XXXX and XXXX XXXX XXXX we are only asserting defense against the validity of the orginal negotiable instrument 'contract ' the alleged promissory note '. And last and foremost the first issue is consideration there has been no loan or consideration in this contract in the amount of {$60000.00}
11/07/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • LA
  • 70726
Web
21st Mortgage is holding my insurance payments for the repairs on my home. In order to obtain my funds, I am required to submit estimates and XXXX 's from each subcontractor. Once the necessary paperwork is submitted, it takes a minimum of 10 days to process the payments. If there is a problem with the paperwork, I am not contacted. I have to contact the mortgage company to find out why it is delayed. For example the payment to XXXX was delayed because my wife was told that because they were an incorporated business a XXXX was not required. When she called to find out why the payment had been delayed, she was told they did not submit a XXXX. Then she had to contact XXXX to obtain XXXX. I then had to wait another 10 days before their funds were released. This is not the first time I have been given inacurate information. Each time me or or my wife calls, they tell us something different. Further more, once I receive a check in the mail, it is made payable to me and the subcontractor. The bank requires both of us to come in person in order to deposit the funds. Then the subcontractor has to wait until the funds are released. This further delays the repairs on my home. My mortgage company has also informed me that all the money I spent on materials required for demolition will not be reimbursed until the final payment. On XX/XX/2016 I received a letter from 21st Mortgage that in order to receive my final payment my mortgage must be current. I do pay my mortgage on time. I am finding it increasingly difficult to do so while waiting for the mortgage company to release my insurance funds, because some of the repairs I have to pay for first, then submitted the paperwork and wait for the check to arrive. Once the check arrives I have wait XXXX business days before the funds are released. My home only took in XXXX '' of water but because of the mortgage company It will be the beginning of next year before the repairs are finished.
10/10/2018 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • NY
  • 11552
Web
AFFIDAVIT OF XXXX XXXX XXXX XXXX licensed private investigator License # Al XXXX Mortgage Compliance Investigators ' Chain Of Title Analysis & Mortgage Fraud. have looked at Mortgage of XXXX XXXX & XXXX XXXX, dated XX/XX/XXXX and filed in the Official Records of the XXXX County Clerk 's Office on XX/XX/XXXX as ins # XXXX, regarding a loan for {$400000.00}. The Original Lender of the XX/XX/XXXX XXXX loan is XXXX XXXXXXXX XXXX XXXX.. XXXX XXXX XXXX foreclosing is not named in any way on the XXXX XXXX & XXXX XXXX Mortgage. Further more, we have looked at the XXXX County Record relating to the XXXX XXXX & XXXX XXXX Mortgage dated XX/XX/XXXX. The XXXX County Record shows an " Assignment of Mortgage '', dated XX/XX/XXXX and filed in the Official Records of the XXXX County Clerk 's Office on XX/XX/XXXX as ins # XXXX, signed by XXXX XXXX as Vice President & Authorized Signatory and notarized XX/XX/XXXX by XXXX XXXX (? ), Tennessee Notary, where XXXX XXXX XXXX XXXX grants, assigns, and transfers to 21 st Mortgage Corp. We have looked at the XXXX County Record relating to the XXXX XXXX & XXXX XXXX Mortgage dated XX/XX/XXXX. The XXXX County Record shows no record of a discharge of the Mortgage as required in covenant 23 of the Mortgage which states " Lenders Obligation to Discharge this Security Instrument, When Lender has been paid all amounts due under the Note and under this Security Instrument, Lender will discharge this Security Instrument by delivering a certificate stating that this Security Instrument has been satisfied. .This has not happened. The 21st Mortgage /XXXXXX/XX/XXXX is not apart of the original tangible note obligation yet seeks to use our judicial system to illegally steal real property from the American people a clear violation of Trump Administration Executive Order 13818 of XX/XX/XXXX Blocking the Property of Persons Involved in Serious Human Rights Abuse or Corruption.
10/31/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 37086
Web
Most definitely the worst financial institution I've dealt with. We tried to obtain a mortgage for home in a community and it was so unnecessarily stressful. From the moment we first got the " approval '', they kept asking us for documentation that can not be obtained for someone who is not a US citizen, you can't ask for a US passport if the person is not yet a US citizen. The loan originator XXXX XXXX was horrible during the whole process and didn't even know what type of ID we needed. I had to call customer service with 21st mortgage because the representative at the community we were trying to buy the home from has worked with 21st mortgage for a while. I called 21st mortgage again and was helped by a XXXX who then transferred me to an XXXX without even telling me and he said he would " give me a call back '' with an answer to the ID question. Never got a call back but the issue was fixed in the application process. The other hurdle was " verifying '' income, after they were provided, paystubs and W2s, the issue was now a verification of employment sheet. My employer 's HR was taking forever due to covid so we didn't get it in until a week and a half later. After the verification of employment sheet was filled out entirely, I mean giving them pay per hour, overtime, bonuses, they proceeded to say it wasn't sufficient and needed verbal verification. The ridiculousness of the process should have been enough for me to stop but then of course they asked for income for the coapplicant who was self-employed and provided proof of income for two years prior. XX/XX/XXXX was not a good year for his business due to the pandemic so we got " denied '' our mortgage based on that. Honestly not worth going through the process with them, not only are they uneducated and rude, they are not empathetic and discriminatory. I will definitely be making sure to contact the FTC and XXXX about it.
10/03/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OH
  • 457XX
Web
XXXX I filed bankruptcy following that the mortgage company had the mortgage withdrawn from the bankruptcy. I was not told to reaffirm so I didn't not knowing to do so XXXX we got behind on the payments due to illness. the company sent me a letter to talk to a hud financial adviser and could not reach with the numbers that were sent in the letter. I looked on line and found one and spoke with them and was told the company I am dealing with is a predatory lender and no longer owned the home. It could work out one of three ways, I could pay the home off and never get a title or I could pay the home off and then pay them rent cause they own it or because it is a double wide they could come and take it when ever they wanted. Then the man said I am giving my money away and to stop making payments. I am now still to this day liable for making the taxes and insurance because they are not taking the house out of my name. I spoke with the loan officer at my personal bank and because they are a predatory lender they didn't want to work with them either. In the middle of XXXX we ended up in court. I explained to they other attorney what I was told and they told me I don't get to live there for free then they wanted a monthly payment beyond what my family can afford option 2 was to pay it off or get out. We had to move out by XX/XX/XXXX and I have gotten no reimbursement and have had to pay insurance and making payments on a home for 8 years that I had no chance of owning. They now want {$12000.00} and when I want to buy it was {$23000.00} and would not work with me. I am now homeless and could use some help The Mortgage company is 21st Mortgage Corporation XXXX XXXX XXXX XXXX TN XXXX Phone is XXXX the Account number is XXXX Serial Number for the home is XXXX The Attorney that represented them is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX Thank you for your time.
09/13/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 756XX
Web
Good afternoon, My husband and I have recently contacted our lender/mortgage company ( 21st Mortgage ) regarding a request to change our mobile/manufactured home from personal property to real property. According to the Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all we need to do so is to fill out a Statement of Ownership with all needed information and mail it to them. Part of the information that they require for this application is written consent from the lienholder ( 21st Mortgage ). I have contacted them numerous times today, XX/XX/XXXX, and spoken with a variety of individuals- most recently XXXX, XXXX ( XXXX being the supervisor ) - all of who claim their company refuses to send the needed written consent, as doing so would lessen their stakehold on the loan. They are stating that we must refinance our loan with them in order to receive written consent for the request. I spoke with XXXX on XX/XX/XXXX at approximately XXXXXXXX and spoke with XXXX XXXX XX/XX/XXXX at XXXX. I asked to speak with their customer service department to file a complaint. They placed me on hold for over 20 minutes, someone picked up the phone and then hung up. When we purchased the mobile home, we moved it to family land and had permission to do so. We now OWN said land, free and clear, and would like to convert the property from personal property to real property IE : attach the home and land together. This will allow us to file a Homestead exemption and save money on taxes as well as open the opportunity to sell the home and land down the road should we choose to do so. Unfortunately, 21st Mortgage is refusing to assist us in any way- the refinance would cost us money that we simply do not have at this point and without the conversion from personal property to real property, we are continuing to pay more in real estate taxes. 21st Mortgage XXXX XXXX XXXX XXXX, TN XXXX XXXX
08/31/2017 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • CA
  • 92107
Web Older American
in XX/XX/XXXX a line of credit was taken out on property XXXX XXXX XXXX in XX/XX/XXXX refinanced and 2nd mortgage was supposed to be forgiven, kept paying on 2nd until XX/XX/XXXX when refinanced we were told to stop paying on 2nd due to forgiveness program. We hired an attorney to handle 2nd mortgage ( law firm XXXX and XXXX, attorney on file XXXX XXXX address XXXX XXXX XXXX XXXX XXXX My husband who recently XXXX XX/XX/XXXX last told me lawyer above handling and instructed to stop paying on 2nd. Last payment to 21st Mortgage Corporation was XX/XX/XXXX according to statue of limitation law 2nd mortgage is 4 years. When the above property was in escrow right before escrow I was told that 21st Mortgage Corporation was taking XXXX from the sale of my property. I called them and tried to settle with them, get late fees taken off and explained 4 years was statue limitation and 2nd was supposed to be forgiven. They did n't want to hear it and bottom line property was already in escrow, I could n't back out and now this 21st Mortgage corp took XXXX of the sale pos my property above. I want them to give back my money in full due to statue of limitation 4 years on 2nd mortgage. If this can not be done I want a settlement offer from them for the 2nd that we both can agree on and refund the difference. I already have a attorney who has instructed me on above references to statue of limitations and so forth and if something can not be done in this matter then I am ready to move forwards on legal recourse in this matter. The loan number is under my husbands name and is # XXXX & XXXX it was a line of credit /2nd mortgage I believe ... he is the one that handled all the finances, so as you can imagine I was not only left grieving wife but had to find out when i sold the property someone was taking all my money. If needed I will provide my lawyers name and number
06/09/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • KY
  • 40272
Web
I filed a application with the former manager at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Communities for a simple mobile home loan. My daughter and I receive monthly Social Security XXXX Income for multiple XXXX conditions we have. I put a down payment for {$4200.00} dollars for the mobile home and was approved on XXXX XXXX, 2014. The former manager XXXX XXXX, put my daughter and I in a rental home and said it would take a couple weeks to get our home ready. She told me that she did it for people who were approved for a home loan. I decided to move everything in a storage unit so I did n't have to move everything XXXX. Two weeks later I found out that she was no longer working here. In XX/XX/XXXX I met the new manager XXXX XXXX and found out that my money was stolen that the police were able to get back. She also stole from other residents and the company. The company knew she was a XXXX when they hired her. XXXX the second manager tried to help get me and my daughter in our home but quit XX/XX/XXXX. The gas appliances were changed out to electric without asking my permission to do so along with other issues that has happened. There is a XXXX manager here now and things have gotten worse. My daughter and I are still living in the rental home that we were put in almost a year ago. Now they are trying to evict us. I went to court this morning with the attorney that is representing current and former residents that have filed a lawsuit against XXXX, XXXX for same issues. There attorney for XXXX, XXXX called my lawyer last night and dropped the eviction against me. I want my money back and start living a normal life again and forget this bad nightmare that I have been through the past year. Theses crooks use their money to destroy other peoples lifes and need to be stopped and put out of business. I do n't know where I go from here but I refuse to give up.
02/24/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 78602
Web
Well I keep trying to get a hold of my 2nd mortgage loan application with 21st Mortgage. Allegedly XXXX XXXX had my Customer File XXXX XXXX and XXXX XXXX had my Loan Application # XXXX. I contacted XXXX on XX/XX/XXXX. He sent me my loan application for # XXXX and informed me that I had to contact XXXX in order to get my other application with 21st mortgage so I called and Ive emailed and I cant seem to get a hold of XXXX only XXXX who wont inform me of any information. This is a very concerning matter because I was denied and then approved with 21st mortgage application # XXXX and on XX/XX/XXXX XXXX sent me an email stating that underwriter. It was not approved since the home is not already set up on the property. For a new home purchase, you will want to apply through a retailer/dealer. Application # XXXX Which was for the home I wanted that was with XXXXXXXX XXXX XXXX. The next thing I know I never hear from the XXXX XXXX and I get a new modified XXXX XXXX pre-qualification and that has been the worst most horrible thing my family has ever gotten. We chose to go with XXXX because we thought it was the only retailer that was going to give us a house. We thought we didnt make enough money or have enough income so we were stuck with only one option. I can not understand what happened to me without being provided my other application with XXXX XXXX XXXX Please help me so that I might find out exactly what happened to me and why my family is getting evicted now in 7 more days. I have already logged back into the 21st mortgage portal and XXXX has already removed the correspondence between us. And strangely enough the sales person we had was XXXX with XXXX XXXX homes. He left before we finished closing and now he works with XXXX at XXXX XXXX XXXX. And we cant seem to get our 21st application for XXXX XXXX XXXX
11/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 148XX
Web
i asked for a lost midagration and filled it out the sent me an email on XXXX with out a decsion when i called them and asked what the decion was thy got super snotty and said it was denied and we wont the XXXX is due in our office today i got nothing in writing to this matteri aslo got told take your money and find a new place to live we dont want your home so i tryed to make a payment arrangement thy didnt care thy wanted last months and this months payment today with nothing in writing what so ever i asked a nonprofet to help i havent hurd back from them so i called another thats going to help me i told 21st mortage i was going to wire money to them what i had but hade to go to the nonprofet place got called a lier fronm 21st XXXX thy will deni just like if your one day late will sue you that thy claim thy didnt say a payment was sent to them befor and thy put it on the wrong account and reported i was latewhen i wasnt we repot acterly no true i told them thy put it on wrong account and thy said it was late due to a mistake thy did and wont correct it when my wife XXXX XX/XX/2001 thy been trying to take my home away from me it was wrong thy told me money was due today with out and writing to me or the denial of the lost midagration and thy want money today by XXXX or else why didnt i get anything in writing insted of a DEMAND OVER THE PHONE XXXX by XXXX XXXX today and we will not help you all this over XXXX payment i have a wage garnisment orderd by court im paying thy know this this is wy ive been paying biweekly and thy said it was fine now this i think this company needs to be investagated also im paying on a XXXX XXXX i need and i told them the county has leains on my home due to my wifes XXXX XXXX she had to have plus her XXXX put a lean on the home though XXXX XXXX XXXX
06/17/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • OK
  • 734XX
Web
We are one payment behind on our mortgage for {$800.00} with 21st Mortgage. XXXX XXXX, Financial Counselor sent an email saying we could apply for XXXX, which we have done and our application is currently under review as of today XX/XX/XXXX. We have called XXXX, from XXXX and left a voicemail this morning. I called to make a payment for {$800.00} which they eventually took. They have been refusing to take my payments because I am one month behind. But I'm waiting to hear back from XXXX. They continually are harassing via email, and on the phone. They transfer calls to another person who continues to harass. Today when I called to make the payment the lady on the phone wouldn't take my payment until I told her why we are still a month behind. I told her I'm waiting on XXXX and she put that in the system. I asked her if she wanted my routing/checking number. She said she needed approval then transferred me to her supervisor who also wouldn't take my payment. She transferred me back to the other rep and then told her she could take my payment. Then she told me they can't keep working with us like this due to being a payment behind. I'm tired of being harassed by this company and it isn't just me. I've read reports on XXXX against this company. I sent an email stating I would pay on the XX/XX/XXXX which is the due date. XXXX XXXX from XXXX said back in an email she can't take that kind of payment arrangement. Which I paid today XX/XX/XXXX after they harassed and refused to take on the phone bouncing back and forth between rep a Supervisor. Please investigate. My understanding of the law during Covid is if you try to make a payment and they refuse they still have to count it as payment in full. I have all emails between me and this company.
05/10/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • LA
  • 700XX
Web
On XX/XX/2020 I filled out an application for an mortgage on a mobile home. The loan amount was for XXXX. I offered XXXX down payment for an FHA loan. I was informed previously that my credit score needed to be over XXXX. I worked very hard on bringing my credit score up to more than the proper standard.when reviewing my application 21st mortgage XXXX XXXX Direct Dial : ( XXXX ) XXXX Toll Free : XXXX denied my application after advising me that my credit score was 639 though XXXX. She advise my application was denied but I can put down 10 % of the asking price. Just be advise that I did disclose my ethnicity on my application. I then inform Ms. XXXX that I could put down property that I own free and clear as collateral which was information that was given on the application as well she advise that i would have to resubmit a application which caused my credit score to drop. I resubmitted an application on XX/XX/2020 without disclosing my ethnicity on the second application got a response back from XXXX XXXX Direct Dial : ( XXXX ) XXXX Toll Free : XXXX Fax : XXXX XXXX whom advise that I also was denied but they had another loan option for me Needs upfront interview. Please call XXXX ext. XXXX An estimated loan amount of {$64000.00} or less, not including financed insurance and fees. I believe that this company has given me the run around reference to me trying to get a home i explain to them the urgency of me moving offered several thousand plus property as collateral. I believe that I'm being asked to put more than 3 % down that which FHA loan ask because I am a XXXX female and Ms. XXXX was attempting to make it diffocult for me to be approval even after offering property that value over XXXX plus and additional XXXX.
07/03/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • UT
  • XXXXX
Web Older American
XXXX XXXX XXXX vs 21st Mortgage UNFAIR BUSINESS PRACTICES ( Nevada ) Fraud Upon the Court - Foreclosing Foul 21st Mortgage, apparently a " foreclosure mill '' is now unethically FORECLOSING, XXXX XXXX 2016 STOP THEM! They received an application after agreeing to review it. They received it more than the seven days prior to foreclosure they told me on the phone. If they meant " business days '' they should have said business days. I would have no way to guess that information. They can not foreclose while an application is under review. Homeowner DETAILED ACCOUNT of experience with 21st Mortgage ( a bank/servicer or foreclosure mill I never choose to work with, but was forced upon me by the changing of hands without my knowledge ). Included is back up documentation OF nasty harassment, multiple bad faith dealings over seven years ( XXXX or XXXX banks - this will focus on 21st Mortgage ), intent to defraud consumer, fraudulent activities and failure to comply with their own work out offers. I will demonstrate my good faith efforts to comply in order to stop the foreclosure, years of efforts to avoid foreclosure on my otherwise perfect credit by either a principle reduction to the current value at the current interest rate, a short sale or a DIL. I will show PROOF of bad faith on the part of 21st Mortgage, PROOF that they make offers, force compliance, then when compliance is completed, walk away, delay and delay and simply set a new foreclosure date rather than complying with their own offer. Is this bad faith or intent to fraud? Why is XXXX in every XXXX Nevada homes in foreclosure? PLEASE SEE FULL COMPLAINT ATTACHMENT as this box has a minimum character count and my document is too long. Thank you, XXXX XXXX
08/06/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • LA
  • 700XX
Web Servicemember
I have repeatedly tried to speak with this company and this is the third complaint I have against this company. On XXXX XXXX, 2017 I paid {$260.00} and some cents, when I checked my credit report it is still showing I owe them {$2.00}, XXXX. Even though we are in an agreement for the payoff amount of {$510.00} to be made over two payments one which was paid on XXXX XXXX, 2017 and the other on XX/XX/XXXX for the balancing amount. When I asked about why is it still showing, he ( the staff attorney ) told me that is how they company work until I pay the full amount. Now it is showing that my account needs attention, which it does n't. I truly do n't understand how these people think it is okay to keep messing with my credit report, using the fact that my Escrow account have a lot to do with it. When I cancel my insurance that Escrow Account should be done. I do n't even understand what he is talking about and the fact that he keeps bringing up the Escrow account what does that have to do with anything. My home has always been tax exempt and it is recorded at the Parish Office where I live, so how are they paying taxes on a tax exempt home and where is the money that they supposedly paid for my taxes on my home. To my knowledge I am the one that put the money in my escrow account but according to him it is something I owe to them. this truly has be in a daze. The escrow account money should be returned to me and from what he is telling me it does n't. This has gotten totally out of hand, this company have toyed with me from the beginning and is still doing that including sending me late payments bill. Once I came in agreement with the payoff amount it should void everything else out and for this company it does n't.
06/05/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NM
  • XXXXX
Web Older American
My husband and I purchased a XXXX Manufactured home at the end of XXXX. It was financed by the only company that would finance a home before it was built. The interest was high at 6 % and payments were really not what we expected. {$1500.00} a month. We were thinking just to get through until we could do a refinance with someone else. They already had {$35000.00} down, ask for another {$10000.00}. We had an exhaustive full year of not being accepted for refinance. We hung on as long as we could. This was during Covid. Prices were incredibly high. We did not foresee this. XXXX was 1st to attempt the refi, then XXXX, then XXXX. All shot down for various reasons. Would go into detail later if need to. We borrowed money from a sister to see us to end of XXXX. Had to finally file XXXX XXXX bankruptcy with XXXX XXXX office. My husband was not doing well. Impact was too much. My husband died XX/XX/XXXX. 21st mortgage had been sending letters, 8, of them. 4 certified. they are non-monetary notices of default. their intent is to foreclose unless I sign an reaffirmation agreement with them. 21st gave me 3 choices. Pay the full amount, walk away vacate the property or sign the reaffirmation. I had been advised not to by my bankruptcy attorney. My husband had even ask 21st about loan modification or assistance and they were matter of fact rude and said nothing was available for us. I am at a complete loss. I do not want to leave this home. I would like to stay and find a solution acceptable that will not jeopardize me in the future. I want to pay my mortgage, just need to extend the years? lower the payments? decrease the interest/ something. Please help me. Thank you!! XXXX XXXX
10/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • SC
  • 294XX
Web Older American
Of the course of the last two months I have been working with XXXX and 21st Mortgage Bank on getting s loan modification approved. I had to take out two loans to repair my home a year ago because during the first year of my mortgage 21st Mortgage made me use their insurance company and theres company would not pay for repairs to the home. I used my personal funds, I borrowed from family, and took out loan to save my home from falling apart. The company reimbursed me some of the funds after around a year in a half, however I still am making payments for those loans. XXXX rep advised me to miss one payment so I would qualify for their program for loan modifications. I told 21st Mortgage rep this as well. After, the payment was missed XXXX told me they dont work with 21st Mortgage and 21st said they dont do loan modifications. After speaking with XXXX again about me feeling lied to on XX/XX/2018 the representative got very rude with me and stated I dont even know why you are still having this conversation with me. 21st Mortgage manager claimed everyone does not know what XXXX is and they do not record their conversation and that Imam blaming them and XXXX for my issue and I have called both companies and told each company the name and what program I was doing for two months and neither knew about each other not working with one another. After basically screwing me over I am wrong? I want an apology and this to be investigated because some from both companies should have told me they did not work with each other from the beginning and I should not been told to miss a payment to qualify if they were not going to help me with my mortgage issue. .
10/22/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CO
  • 80528
Web
Ive requested 21st Mortgage provide me with all documents pertaining to the estate of XXXX XXXX XXXX several times Ive even had the probate judge issue a motion to the to provide all these documents. They refuse to provide me with the necessary documentation to reconcile this account for probate. They are beyond difficult and should be fined for disobeying the court system regarding this probate. I am the sole beneficiary, personal representative, executor, I am XXXX XXXX XXXX now. The previous complaint that you closed without resolving anything they sent you copies of things they have NOT SENT TO ME. Even if they did it doesnt resolve the issues I need resolved. The documents they attached is what XXXX sent DORA 21st mortgage did not. I have no idea who insures the home if I call home first for a policy Im told to call 21st mortgage who is listed on declarations pages as agent but XXXX answered DORA with a different policy than was sent to me by 21st mortgage. Their pyramid scheme of tipping people off is similar to this. XXXX XXXX - who wont talk to me XXXX - who sent a different policy to DORA than what 21st mortgage sent to me. XXXX XXXX XXXX - who cuts the checks 21st Mortgage - who controls them all but remains evasive and passes the buck back to XXXX XXXX who cant send an inspector that knows his foot from his hand. And theyve all refused to do this correctly. 21st mortgage is defying a court order to provide me with all the mortgage documentation and it needs to be done. Do not close this complaint because they attach something Ive never received they are thieves and will lie as quick as they will look at you.
10/13/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 19403
Web
I started to get behind in my mortgage starting in XXXX due a significant reduction in income. 21st mortgage company. I applied for mortgage help in XXXX but the organization I applied with has been taking their time processing and approving my application. I noticed my mortgage company by phone and email several times and they are aware of the situation. They told me someone from the organization contacted them in XXXX but has heard nothing since. I talked to my financial advisor on XX/XX/2022, they constantly switch financial advisors for your loan. Ive had 3 since I purchased my house. And they dont communicate when they switch. I spoke to my financial advisor and let him know what was going on and that I would my best to send payments as much as possible to get caught up. I do have a mobile and the mortgage is {$630.00} a month and Im behind {$2500.00}. He said that was ok and to keep him updated on my mortgage help application. Today, I get a phone from another person in the mortgage company basically demanding {$2500.00}, which I dont have, or she would be referring my account to their legal department, didnt offer any other ways of help or solutions, asked why we got behind, I told her it was due a significant reduction in income, asked how much my significant others paycheck were every week, I told her, has the nerve to say oh thats still enough, you should be paying. Didnt care about my other bills or anything I had to pay for. Mortgage takes priority she was extremely rude and not understanding or considerate of my circumstances. Ive done everything I can to get help and she expects to send money I dont have.
12/14/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 43207
Web
I was struggling with my finances and applied for a XXXX XXXX bankruptcy in XXXX. I have not missed any payments toward that repayment, and it will be completed at this schedule in XXXX of XXXX. As soon as that was filed and I started making the payments on the biweekly schedule, I started having issues. They continue to tack on additional fees and out of left field started to pay my Homeowners insurance. They have not added an escrow/impound account to my payment, which would make sense if they were intending to pay on a continuing basis. So they pay with no reserve and set me up on a payment schedule outside of the bankruptcy, claiming that this is part of the original contract. When I make payments on that schedule, they apply funds to the principal balance or fees, and will not reapply them. This has been done over the phone with explicit instructions to apply to the homeowners insurance. After making payments on this ridiculous plan, they claim that I have not paid and start to threaten me with foreclosure. I then have to come up with the funds AGAIN and pay up. This leaves me short on other expenses, including utilities and groceries. I have also had to neglect my vehicle, which is in need of repair and also being paid through the XXXX XXXX, and currently is not running. This year, the incident is happening just in time for the holidays. I have had to cancel all of of my plans to get this dealt with. Just today, I called and asked to speak with a manager. I was told there was no manager to speak with. They are abusive and predatory, and denying service for which I paying. This is unacceptable.
09/03/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 36701
Web
On XX/XX/XXXX at XXXX AM in my divorce decree it was ruled that I gave the home to my ex-husband and was no longer financial responsible for the home. XXXX CIRCUIT COURT OF XXXX XXXX, ALABAMA XXXX XXXX XXXX, CLERK Since, I have contacted 21st Mortgage Corporation to have my name removed from the mortgage. On XX/XX/XXXX they received a certified letter from me requesting name removal from the mortgage ( Tracking Number : XXXX ). After numerous of attempts to remove my name before, on XX/XX/XXXX XXXX Judge : XXXX XXXX, XXXX XXXX the court the request of the parties, Plaintiff, 21st Mortgage Corporation XXXX and XXXX, XXXX XXXX XXXX XXXX it is hereby, ORDERED, ADJUDGED and DECREED as follows : Count One of the Complaint of 21st Mortgage Corporation ( `` Plaintiff '' ) is hereby dismissed without prejudice as to Defendant XXXX XXXX. XXXX XXXX XXXX is hereby rendered in favor of Plaintiff. Count Two of Plaintiff 's Complaint for the immediate possession of one ( 1 ) XXXX ( " Manufactured Home '' ). After the ruling, the home was surrendered. However the company has not attempted to get the home. Their failed attempt to retrieve the home after the ruling 1 year and 7 months ago, is affecting my life. My credit score has dropped dramatically. I have tried communicating but I have not received a response. The account is still reporting to the credit bureaus as open and reporting negatively on my credit report. As stated before, I am not financially responsible for the home. My ex-husband has ownership of the home and in judgement is fully financially responsible for all obligations with the mortgage.
10/19/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NY
  • 134XX
Web
I have contact 21st mortgage multiple times about not being able to make my payments due to losing my job due to COVID. They tell me there are no programs or any kind of assistance available to help with my mortgage payments. I believe this is because I have a learning XXXX and they use this against me. They like to think I am stupid. prior to losing my job, I never missed a payment and had a good payment history for the past 10 years. I inquired about forbeance. They stated that this was not an option for me. I have been out of work since XXXX. I did however make a mortagage payment with my last check in XXXX. I attempted to make a payment in XXXX by selling some of my belongings for them to only return my payment to the bank, after sending me a receipt for the XXXX payment. I received a letter in the mail today saying help was available and to contact a XXXX XXXX. I contact her with no availability. XXXX XXXX told me even though I received a letter staying that if I have a temporary hardship. The assistant said they still could not help me and send out these false letters by law. I have been under a hardship since losing my job. I cant even buy food or pay my electric bill. These people do not care and do not offer any solutions or help to get you back on track. They just said letters saying they will help you, when they wont because its the law. I can not give someone money I do not have. I have been attempting to sell my home. As I thought I had a potentially buyer. They have backed out of the sale. I do not want to deal with a company like this who doesnt give a XXXX about their clients.
07/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem with product or service terms changing
  • GA
  • 306XX
Web
XXXX changed my pay for a short time from monthly to biweekly which reduced my income monthly. I thought I was being helpful by contacting my mortgage company to let them know that I was trying to find a second job but my payment would be late. They offered me a 3 month plan so I could have time to fix the issue. I did fix the issue since a lawsuit b y 21 states stopped the XXXX problem for now but they did not tell me that this would affect my credit. Not once did someone tell me this or I would have found a second job immediately or some other way to pay it. I called them a month in advance to let them know this was going to happen. I was trying to prevent my credit from being affected. I can not even buy another house now because people see that but they do n't see what really happened. That I lost funds due to the government changing the way I was paid. The fact that I had made all my previous payments early every time until then did not matter. I feel that since I was not made aware that " their plan would negatively affect my credit, it is unfair that I have to suffer for it. I have called and they refuse to remove it. I have disputed it and I was told that there was nothing they could or would do. 21st Mo rtgage, XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX is whe n I agreed to the plan. My monthly payment is XXXX and out of th e two years th is was the only time I was late. Single mom who was left with all the bills by a XXXX XXXX XXXX man in XX/XX/XXXX and who w as barely making ends meet but I always pay my bills and this is unfair and unjust.
03/02/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NJ
  • 07724
Web Older American
On XX/XX/XXXX a bona fide contract in the amount of {$500000.00}, HUD letter, buyers mortgage approval letter and the property inspection report was filed with XXXX XXXX XXXX the loan servicer The servicer failed to respond to repeated calls and emails for 10 days. On XX/XX/XXXX the servicer sent a letter denying the short sale. The current loan balance is {$490000.00} as of XX/XX/XXXX. The servicer forwarded an email to their legal counsel on XX/XX/XXXX instructing them not to adjourn the sheriff sale scheduled for XX/XX/XXXX. The sale closing is scheduled for XX/XX/XXXX. The servicer stated that the pending sale.is rejected as of XX/XX/XXXX. The reason for the rejection stated by the servicer was that the sale was required to be 37 days from the date of the sheriff sale. I contend that the servicer rejected the sale because they wished to inflate their fees and costs and legal fees. Further the price obtained at sheriff sale will no doubt be less than the private sale thus increasing the amount of the defiency and thereby increasing the potential for a greater deficiency judgement against the borrower. I have emailed the servicer and demanded a copy of all communications written or recorded to and from the borrower, proof of their authorization to act as agent, as well as copies of internal communications to legal counsel, the complete file, the basis in law that provides the 37 day period and a request for an adjourment of the sheriff sale as to facilitate the sale of the property. I am filing this complaint in good faith and as truthful testimony. Sincerely, XXXX XXXX XXXX
07/17/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 21208
Web
I am a short sale negotiator negotiating a short sale. A short sale is when a property is worth less on the market than is owed ( i.e : home is worth $ XXXX and Seller owes $ XXXX ) and the seller is going through financial hardship. The bank will approve to waive the deficiency if the seller can present a buyer. My seller owes XXXX to her XXXX mortgage, XXXX and XXXX to her XXXX mortgage, 21st Mortgage. The house is work XXXX. She is behind on payments for almost a year and is well in the foreclosure proceedings. XXXX has just approved the HAFA short sale ( government program ) for XXXX to the buyer we are under contract with now and is giving the MAX amount that the XXXX mortgage is allowed to receive by HAFA regulations : {$8500.00}, which is much more than the general rule of thumb where they receive 6-10 % ( I have never seen a payoff to the XXXX reflecting more than the 10 % ) of the remaining balance ( XXXX-XXXX ). 21st Mortgage is REFUSING the {$8500.00} and is saying they will not approve short sale unless they receive the XXXX, which XXXX CANT even give, even if they wanted to. The seller is not legally able to give the XXXX ( even if she had it ) because the whole reason a short sale is approved is because she does n't have funds to give to the XXXX mortgage. 21st Mortgage would RATHER have the Seller go into foreclosure and receive {$0.00} ( all proceeds would go to XXXX NOT 21st Mortgage because the amount owed is much more than the property is worth ) than {$8500.00}. Keep in mind XXXX ca n't even give them the insane amount of funds they are asking for.
06/11/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MI
  • 48036
Web
This company does not honor the payment due date on our loan. The initial do date for payment was suppose to be the XXXX of every month, instead they refused to honor the correct date and when this was brought to there attention they refused to do anything about it. They would call and harass my husband and myself by the XXXX of every month, stating payment was late and due on the first of the month. We would say that's not true and they would become extra rude, threaten to take our home and call excessively anytime day or night. When you finally call and try to make a payment they transfer you to the collections department, so they can be rude, talk to you like your two years old and demand to know why you did not make the payment on the first of the month? When reporting to the credit bureaus, our credit reports state late and this company also adds late charges. This company has ruined both my husband and I credit reports. At one point I called to make my payment and the manager refused to take it because I would not answer his questions and allow him to be rude me. If cfpb was to look this company up online, you all would see all the negative reviews and complaints. We are in Litigation at this point. They have sued us and we return back to court this month. The court case was adjourned because, no one from the mortgage company came and the lawyer handling the case only provided some hand written payment date change. I have never known any contract that says one thing and does another, without an amended agreement typed, signed and agreed between all parties involved.
10/16/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 93010
Web
My Mother in Law passed away and had an existing Quit claim deed for myself and my wife, Her daughter. The mortgage company refused to acknowledge our rights to the property for almost 2 years and would provide no information on the balances due and how our continued payments were being applied as we have made double payments and a {$10000.00} principal only payment in XXXX of this year. I was finally able to get a statement showing how are payment were applied and it has an extra fee charged to it for every double payment and they charged a fee to accept the lump sum payment. Upon asking why they did this i received a letter from the Staff attorney XXXX XXXX from 21st Mortgage corporation stating they would answer my questions in the future but haven't done so. I also requested a payoff amount for the loan and it is the total sum of all the payments through the term of the loan with no reduction in interest for the early payoff. They basically refuse to answer questions and have not been forthright about my payments. This is not the originator of My Mother in laws loan. I believe she had a death benefit on the original loan and it should have paid off the mortgage upon her death but the paperwork is confusing because we can't find the original documents. I feel that this servicing company 21st Mortgage is taking advantage of us and probably all it's clients. The Attorney 's name is XXXX XXXX XXXX Attorney ext.XXXX XXXX Can you help us get them to be legally forthcoming and find a resolution to the extra fees and total payments made without interest reductions?
03/12/2016 Yes
  • Debt collection
  • Mortgage
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • NY
  • 13069
Web Servicemember
21st mortgage I was behind one payment, they call upwards of 5+ times a day, ( I have caller ID records to prove it ) emails sometimes more than once everyday. They send certified letters to any address they find on the internet. They send letters not certified constantly. They call phone numbers that are n't even mine, talking to other people about my loan. I have asked them repeatedly not to call, or send letters to any other address other than the one they have on file. I have asked repeatedly for a pay off figure not to include an escrow balance. I have asked for a complete payment history, they refuse to send one. What they have sent are XXXX completely different histories, and they say that " XXXX '' has his own set of books. They are charging a negative escrow from the previous owners of the house, even though the contract says that any negative escrow will become XXXX at the point of transfer. They paid someone elses taxes with my money, and charged me for it. I have spoken with their accounting department, and they ca n't even make heads or tails to the payment ledger. We are missing at least {$600.00} in escrow payments that were collected, and not deducted from the balance. Also, they sent " men '' to our house to collect the ONE late payment, even though the property is private, and posted. I have sent in writing that they are not allowed on the property, ( The land is n't included in the loan ) and they caused major property damage, I asked for their insurance information and they refuse to give it to us.
04/23/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • XXXXX
Web
My mortgage has been in default due to the company not being willing to work with me reasonable payment arrangements. They have employed debt collection practices to bully me into making the payments on time, even though I have asked for arrangements due to extenuating circumstances like loss of job and family member. For the last month I have received three calls a day, every day because I am three weeks past due. When I do speak with a representative, supervisors, and managers they are very condescending and verbally abusive. They have asked that I pawn, ask my family and friends for money and even go to non-profits to ask for money even if I am not a part of the organization. The latter is a very troublesome suggestion as there are more people worse than I am financially that should be receiving that help. Additionally, they let me know that there were late charges that had incurred, but was not notified of these until now and now have accrued and added to the total balance of my loan. 21st Mortgage from XXXX, TN should be more understanding of their customers and willing to accommodate for extenuating circumstances. An option is available to make biweekly payments, but hard to meet qualifications are set up, therefore not allowing all to benefit from this option. Unfortunately at the time this was my only option for a mortgage company as it seems this may be the case for many. If I would be able to choose again, this would not be the mortgage company of my choosing or any one else with self respect.
04/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • LA
  • 712XX
Web
Complaint to whom it may concern : Date XX/XX/2022 - I visited XXXX XXXX to buy a manufacturing home in XXXX XXXX My fianc and I picked a home that we wanted and put a {$1000.00} down payment to hold it until finance approval. We were approved on XX/XX/2022 by XXXX Mortgage ( see attached ) We were approved at that time at 8.5 % interest ( see attached ). And on XX/XX/2022 I get another approval notice and the interest rate was the same 8.5 % ( see Attached ). And then on XX/XX/2022 I get another approval notice with the same interest 8.5 % ( see attached ). And then on XX/XX/2022 I get yet another approval notice still at 8.5 % ( see attached ). And then on XX/XX/2022 I get a Denial Notice for some reasons listed ( see 2 pages attached ) And then on XX/XX/2022 I get an updated approval notice with some conditions! It states that I must pay additional {$1900.00} for total of {$2900.00} ( see attached page # 2 ) {$1000.00} for the down payment and the addition of {$1900.00} But as you can see the interest went up to 10.00 %. I called and spoke with the listed people and they said that the interest went up! It's my understanding is that you have 60 days to work on this loan! I feel like they denied me right before they went up on the interest rates, and then turned around and stated that everything is ok now BUT its now at 10.00 % rate. They will NOT give me the 8.5 % interest like from the beginning. I feel this is a unfair practice and I do not agree with this at all! Thank you Help ME!
05/25/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MN
  • 55033
Web
I CALLED TO SET UP OR ASK FOR PAYMENT ARRANGEMENT WAS TOLD THAT I BROKE PROMISE TO PAY XX/XX/29. I WAS NOT AWARE OF THAT BECAUSE THEY SENT AN EMAIL TO MY OLD WORK EMAIL ADDRESS THAT STATED THAT I WAS NO LONGER THERE. THEY HAVE TRIED CALLING MY CELL PHONE BEFORE BUT NO CALLS CAME THROUGH AND I HAVE TOLD THEM THIS BEFORE. THEY CALLED MY HOME NUMBER BUT I DID NOT USE THAT PHONE FOR ANYTHING OTHER THAN WORK..I DID TRY ANOTHER OPTION IN THE BEGINNING TO SEE IF I COULD USE ANOTHER COMPANY TO PAY THE MORTGAGE PAYMENT UNFORNUTELY THE COMPANY DOES NOT PAY THOSE TYPES OF BILLS SO I LET THEM KNOW THIS. I HAVE EXPLAINED I HAVE BEEN HELPING OUT FAMILY AND HAVE MOUNTING MEDICAL BILLS. THEY SAID THAT THEY ARE NOT WILLING TO WORK WITH ME. THEY HOWEVER DID CALL XXXX AND SPOKE WITH XXXX MANAGEMENT WHOM INFORMED THAT I WOULD BE GETTING SOME FUNDS TO PAY RENT AND THEY WANTED THOSE FUNDS. BOTH PARTIES ARE IN THE WRONG FOR SPEAK WITH EACH OTHER ABOUT MY FINANCIAL SITUATION. I WOULD LIKE A WORK OUT OPTION OR REFINANCE TO A LOWER PAYMENT. AT THE TIME I GOT THE MORTGAGE I HAD NO DEBT AND EVERYONE WAS HEALHTLY SITUATION HAS CHANGED SINCE ORIGINAL TIME AND NOW I HAVE AN OVERWHELMING AMOUNT OF DEBT. I NEED TO HAVE A WORKOUT OPTION OFFERED EVEN IF IT WAS OVER THREE MONTHS FOR THREE MONTHS I COULD MAKE LARGER PAYMENTS NOW THAT I AM GETTING BACK ON MY FEET. ALSO THAT YEAR I GOT THE MORTGAGE I WENT FROM EARNING {$100000.00} TO NOW {$65000.00} HUGE DECREASE THAT THEY ARE NOT WILLING TO RECONGIZE EITHER.
10/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95355
Web Servicemember
XX/XX/XXXX I contacted 21st Mortgage to let them know my hours have been cut because of Covid and I would be unable to make my mortgage payment. They didnt have any answers for me because they did not know what was going on either and then in XX/XX/XXXX I contacted them again to let them know as soon as I receive my stimulus I would be able to pay them unfortunately I did not receive my stimulus until XX/XX/XXXX a year later. My main problem is that my mortgage is not federally backed it is not XXXX XXXX or XXXX XXXX. So they are not following the government guidelines either! Ive even contacted them in XX/XX/XXXX and I also had HUD out of XXXX California on a three-way call to contact them to help me get help with my mortgage and they just kept saying no they had nothing to help me and that I would just have to pay the full amount including the lawyer fees and late fees in order to catch the mortgage up And reinstate it! Now in XX/XX/XXXX I receive a statement on my home that they were going to start foreclosure proceedings and I contacted 21st Mortgage again in XX/XX/XXXX asking them if they had anything that they could help me with or if we can make a settlement on the {$12000.00} they wanted and they just said no in order to reinstate my mortgage I had to pay the amount in full! 21st Mortgage is being very stubborn and not helpful in anyway with this pandemic that is thrown this country into a horrible state!!!! PLEASE! SOMEBODY HELP ME KEEP MY HOME!!
03/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94555
Web
I have sent a letter to 21st Mortgage Corporation on XX/XX/XXXX to state the following late payments reported to the credit agencies incorrect as follows : - XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. - XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. - XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be XXXX late reporting as it shows 60 days late reported to credit agencies. - XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. - XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 30 days late reported to credit agencies. I received their respond letter dated XX/XX/XXXX stating that they're reporting correctly according to the payment history. Neither they didn't investigate thoroughly nor review the supporting documents that I've enclosed. Supporting documents clearly show the payment dates made and it weren't late. 21st Mortgage Corporation has been very difficult to work with and they seem not to correct any mistake that they made even supporting documents provided. I'd greatly appreciate if someone from your agency can assist in this matter.
09/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AR
  • 727XX
Web
Received a letter to cure a payment by a certain date, XX/XX/2022. I was past due two months, XXXX and XXXX, and a notice that a letter to default was sent to me on XX/XX/2022. On XX/XX/2022 I called to pay 1 month ( XXXX ) and a half ( XXXX ) and a promise to pay the half month ( XXXX ) and 1 month ( XXXX ) by XX/XX/2022. This would cure the past due payments and get the account current before the default. Yet, I spoke to two managers that refused to take the payment. Then spoke to another manager and was also refusing, even though I had until XX/XX/2022 to cure the XXXX and XXXX payments. The managers were rude and used bullying tactics like asking about my paychecks, what I spent my money on, that I couldnt afford the payments, and that I was legally obligated to pay, which I agree with. But they still refused to take the partial payment until I let them know that I would report them to the CFPB. If they are not willing to abide by their own legal letters, then they are misleading their borrowers when they state We do not want you to fall into default as per their letter. The company is difficult to make arrangements with to pay, are not allowing customers to make payments online if in default, and forcing them to go through a questioning ploy to force a payment to the point of asking the customer to borrow from friend and family to pay. Very unprofessional and quite frankly sketchy as they are not looking to help the customer at all.
04/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • FL
  • 32608
Web
On or around the XX/XX/XXXX, My brother gave a {$12000.00} cashiers check to Yes! XXXX XXXX for the purchase of a mobile home. 21st Mortgage Corporation, never really explained the documents to me, as I was told that the loan as well as the lease agreement would be in my brothers name and I found out at this time that that was a lie, after they evicted me whom never took up residents at the park, that they state an oral agreement took place in the pursuit of getting the home, and on the loan documents pages 11 and 35 state that there is to be no ORAL AGREEMENTS, they have filed court motions with their legal team stating that this took place. We have request the {$12000.00} back as this was clearly a breach of contract seeing that my brothers name was never on the lease as promised would be the case, as he was the one making payments from day one up until XX/XX/XXXX. in which the went over the documents with me thou The reason for this is they have denied documents and I will be filing a lawsuit against them for breach of contract, and filing of these fraudulent documents that their lawyer has provided me clarification and written legal documents he swore under the penalty of purging himself, where he says there was an oral agreement, when the loan documents clearly state in the customers package that no oral agreement shall be made. This is why I am asking to continue, as I am preparing this demand letter for the lawyer and his clients.
07/08/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • KS
  • 660XX
Web
On XX/XX/22, I spoke with a party who is interested in buying my home from me. They requested I reach out to my Mortgage Company, 21st Mortgage, to inquire about Assuming the loan vs them finding their own financing. I reviewed the original contract signed at closing, and found that the clause implies it is possible for the Note to be assumed by another party/entity. On XX/XX/22, I called the mortgage company and requested them to explain to me what the process would be and what would the interest rate be if that person were to assume the note. The Financial Counselor did not hesitate to state that their company does not allow XXXX XXXX I pointed him to the contract. He stated that the contract was the original contract and that it only implies that it may be assumed. I corrected him and stated that the use of the word may is traditionally used in contracts and does not mean that they do not allow it. He offered for me to speak to his supervisor. We spoke and I got the same response. I am writing a formal complaint against this lender for unfair practices and not honoring the contract terms. I also am submitting for fraud as their website discusses the possibility of Loan Assumption under their Financial Hardship options. The Financial Counselors Supervisor also did not accurately portray what a Loan Assumption is as there are different types. Instead, he focused on one and tried to make it sound like they are protecting me, the borrower.
05/03/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 640XX
Web
21st Mortgage Corporation 1 ) refused to provide statements during term of mortgage. Said coupon book was the only thing we needed and my mortgage " did not qualify '' for statements. 2 ) processed payments randomly after receipt. ACH payments not applied on date of reciept, but could be many days after. Checks sent exact same day every month direct from my bank were applied a variety of different days. ( see attached payment history ) 3 ) refused to accept any electronic form of signature from refinancing corporation, and made the process of refinancing harder by refusing to give a payoff amount to the new mortgage company 4 ) refusing to allow the mobile home financed to be affixed to the land while 21st had a loan on it, which would make any form of refinance or sale impossible. Insisted that the mortgage had to be paid off to them before any affixation could occur. New refinancing mortgage company had to work with title company to come up with a solution so new mortgage could be processed. Otherwise any sale or refinance would have been blocked. 5 ) if payment applied and did not clear my bank ( could be any random day up to weeks after payment was made ACH ) 21st locked out all forms of payment except for bill pay through a bank or calling and making a payment with the loan officer over the phone. All onine access or automated phone payments to make a payment was blocked for 6 months.
11/08/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • NC
  • 283XX
Web Servicemember
I paid my mortgage payment to 21st mortgage on XX/XX/XXXX. i have the confirmation number also. with XXXX XXXX XXXX XXXX nc. so i call monday to tell them on the XXXX, XXXX mortgage, that the bank closed my account on the XXXX and that the payment might get kicked back. so XXXX said he would give me a courtesy call on the XXXX of this week. so he called me around XXXX XXXX est. he asked what was going on with the payment and that it got kicked back. i tried to explain to him what happened, that the bank closed the account and processed another payment ahead of theirs that was paid around the XXXX. he kept getting nasty with me and then he put his supervisor on the phone. she was literally hounding me about the payment. and saying she finds it strange that the bank closed out my account for no reason. i told her im a XXXX vet and i dont need this. and she was rude and nasty to me too. i dont need this. im a veteran and i fought for this country. i called and found out from the bank that XXXX waited until the XXXX to pull the payment after the other payment processed and put my account in the negative and got my account closed. i told XXXX im going to report them. he was like who are you going to report us to XXXX XXXX. who are you going to report us to. ok, i got you. i will report you to the news media and the va for this
10/20/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 48076
Web Older American
I have an escrow account with my mortgage company to pay my property taxes and homeowners insurance, my 2015 summer taxes were not paid by the mortgage company they are delinquent XXXX XXXX, when I discovered that the taxes had not been paid I called the mortgage company to tell them, I was told that they cut a check XXXX XXXX, 2015, I told them that the city did not receive the check I was told that they would give it to the department that handles the Michigan taxes, I said ok, then I receive a letter from the City XXXX, on XXXX XXXX, 2015 stating my taxes have not been paid and penalties and interest are added I called the XXXX department back at the mortgage company and was told that the first check in the amount of {$3200.00} was put back in my escrow and a new check in the amount of {$3400.00} reissued, ( which means the took the penalties and interest from my escrow also which should not be done ) the said that check was sent on the XXXX of XXXX, I called the City of XXXX to see if they had received the new check today they had not I called the mortgage company to tell them that my taxes are still not paid, and all I get is the run around. I have come to the end of my rope with this mortgage company, I have had nothing but problems with them since my loan was transferred to them almost two years ago.
05/10/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 331XX
Web
We filed an application for a loan modification in XXXX of 2016, but the application was too close to the sale date and was denied. We obtained a cancellation of the sale date because we filed for bankruptcy and immediately sent in a new application for a loan modification. We enlisted the assistance of the MHA who is trying to help us with a loan modification. The non profit organization accelerated the process and referred it to the escalation team, who tells us that they will not receive a response until the XXXX of this month. The bankruptcy was dismissed at the creditor 's meeting but that matter has been corrected and there is an emergency motion to reopen the bankruptcy scheduled for the XXXX of this month. The attorneys are seeking an order rescheduling the sale date, even though in the bankruptcy we also filed a Motion for Mortgage Modification Mediation program. That will be heard in the near future by the Court as well. I also corrected the errors listed by the Trustee. So, they are pushing for a sale date while a motion to set aside the foreclosure judgment is pending ; while we have the MHA office working on an escalated modification ; and we have the bankruptcy motion for mortgage modification mediation motion pending in the Bankruptcy Court. In other words, they are DUAL TRACKING.
07/13/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • 770XX
Web
I am currently on a XXXX agreement between 21st motgage and myself. The lawfirm that represents them is XXXXXXXX XXXX XXXX I have been making payments and ever since i filed my last complaint not only did they stop calling me they refuse to speak to me on the phone about my account or answer any questions about my account. Ive reached out to their lawyer as well they just sent a letter to my job for notice of default I made this payment already on XXXX the letter went out the XXXX. I just called 21st mortgage and i was transferred to XXXX they said they dont have my account ( im not sure why i was transferred thre ) the lady that answered gave me XXXXXXXX XXXX XXXXXXXX which Im assuming is XXXX XXXX and she never answers or responds to any emails also I submitted a request for this agreement to reflect on my credit bureau since it is an amendment and I am making payments they refuse to do that as well I feel they are retaliating against me for filing a complaint because Ive called before and I was told they cant talk to me because of the complaint I filed. If they are doing their job in a professional manner and according to the law then it wouldnt be a problem but these ppl make it more than difficult to deal with them but they are quick to send letters and threaten with legal action.
07/12/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 48167
Web
I called my mortage lender to ask for assistance. The first time I called and asked could i have the payment changed to the end of the month i was told 'No '' and the lady began to tell me the reason they choose the XXXX of every month to the point she was talking to me like a child. I have lost some income and reached out to XXXX which advised me to call them and ask if they have any assistance options for me. I called and spoke to XXXX which handles my account when i asked for the retention department. XXXX went off and said they gave me assistance when they gave me the {$74000.00} loan and I had one late payment in XX/XX/XXXX. he then said you have lost of income, i said Yes SSI, he then said you did n't know it was going to end. I said it was income when I applied, so are you telling me you ca n't help me? he then transferred me to his manager XXXX he was then rude and went down the line saying when I made payments and XXXX told him why I was calling and I got my answer. My point is I love my home and all I asked was that they move the payments to the end of the month and was very disrespected and talked to like a DOG. I then hung up on XXXX. I will never in my LIfe do business with 21st Mortaga that will not allow individuals assistance when they are reaching out for help.
01/06/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • MI
  • 48044
Web
I applied for refinancing on my mobile home loan through 21st Mortgage. XXXX suspicious things occurred. The first one involves the reason I applied for refinancing. I saw a sign outside another trailer park offering a 4.93 % mortgage rate in big letters with 21st mortgage 's insignia on it and this rate was confirmed by the XXXX XXXX XXXX XXXX XXXX staff. When I applied for refinancing from my 9.9 % mortgage, they told me that the lowest rate for financing for all credit scores was 10.8 %. I asked 21st mortgage company if they knew about the sign and they said that it was false advertising and it did n't exist. I took a picture and sent it to them and received no response. The XXXX XXXX XXXX XXXX XXXX told me that 21st mortgage provided them with the sign to put up. The second suspicious moment occurred when I was denied a refinancing opportunity and I received an email stating that I could restructure my loan if I paid them {$2000.00}. When I asked what was meant by that statement, the agent, XXXX XXXX, refused to elaborate and said he would take care of it. I got denied refinancing and he asked for money. Is n't that fishy? I do n't know what that means. It seems to me that something either I do n't understand is going on or the company is trying to take advantage of people.
05/01/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 91360
Web Servicemember
I refinanced my home with a 30 Year first mortgage and what I was led to believe was a normal 30 second second mortgage some 12 years ago through XXXX XXXX. About 9 years ago I filed bankruptcy due to the hard economic times. The accounts were sold, the first mortgage to XXXX XXXX XXXX and the second to 21st Mortgage Corporation. I have maintained the payments on the first and second mortgages and they are current as of this date. Due to the bankruptcy, on-line servicing of the account was not possible until recently. Upon review of the information I realized that I had not been sold a normal mortgage for the second. It was set up as a balloon mortgage. I originally borrowed {$150000.00} at 9.75 % interest. My payments over the past year are {$1300.00}. I noticed that the term is only 180 months or 15 years and that I currently owe {$130000.00}. I contacted the mortgage company who explained that in 2 years the loan would be due and that I would have have to pay the balloon amount off, approximately {$130000.00} or get a new loan. Is this legal? I feel I have been deceived by XXXX XXXX. My loan was a hurry up and this was not explained to me. I would not have accepted a loan that had an exorbitant balloon payment of {$130000.00} after paying {$1300.00} per month for 15 years.
04/13/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IN
  • 474XX
Web Servicemember
I am a XXXX XXXX XXXX XXXX XXXX veteran and I was XXXX with severe XXXX for approximately 30 days, in XXXX 2022. Upon my release from the hospital and after my recovery, I experienced a financial hardship. I reached out to my mortgage company, 21st Mortgage several times in the months of XXXX - XX/XX/2022, for assistance due to my financial hardship from my XXXX XXXX but was not extended any assistance or options. The mortgage company continued to harass me and threaten me with foreclosure. I reached out in XX/XX/2022 to the Indiana Housing Assistance Fund ( INHAF ), that was put into place by the CARES Act to assist homeowners who had been effected by XXXX. INHAF application # : XXXX ; INHAF appeal # XXXX ( submitted XXXX ). The INHAF denied me any assistance. Did not receive the notice of denial and the steps to take to appeal until it was beyond the window to appeal. I feel that the denial of assistance from both my mortgage company and the INHAF was discriminatory and unfair. My complaint is against my mortgage company, 21st Mortgage and against the Indiana Housing Assistance Fund ( INHAF ) Your assistance in this matter is greatly appreciated. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Email : XXXX Cell : ( XXXX ) XXXX
01/05/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 320XX
Web
21st morgage company several times we call our home was never finished for starters there was and still is mold here and there but our roof leaked for 6 months nobody would help anyways ive called to make my payment yes i was late its been very very hard with XXXX and my bad accident which has left me with a XXXX and neck and back major issues including surgerys now soon XXXX but i call to make payment they fight cuss argue to the point i have to call 5 times in a row and finally they will take payment i also have told them were are having a hard time and asked for relief due to covid really affecting us but no they say we are not backed federally we wont help everytime they have sent 2 notices of intent to forclose when we were only a month behind they bully us constantly and call me names cuss at me refuse our payment among many other issues im going to lose this house if i cant get help or relief then where are me and my children going to live covid has really hurt us in so many ways and 21st morgage are the worst ive ever seen nobody can believe how they talk to us many have heard while im on speaker deny payment and or harrass me until im ready to give up on it all then send harrassing letters 15 days in on being late saying intent to forclose please help
06/01/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 338XX
Web Servicemember
I missed a payment on XX/XX/XXXX. XXXX XXXX mortgage called me on the XXXX or the XXXX to ask when I can make the payment. I stated a couple of weeks, 2 weeks, 14 days when they asked for an exact date I told them I was unable to give them that as I am XXXX and XXXX and unfortunately my brain does not know time ; minutes, hours, days, months. XXXX XXXX persisted to gaslight me and ask me where I was going to get the money to pay them which I thought was very inappropriate. After repeating myself three times I hung up because he was clearly going to try to bully me into giving him exactly what he wanted instead of him doing any work on his end to try to help me. He persisted to email me everyday to call him and he also called me persistently from the day after he called up till now XX/XX/XXXX. I had called their customer service I made a formal complaint against XXXX I told the person on the customer service line the entire story. I have emailed them for arbitration disclosures which they say they do not have. I would like to take them to arbitration for the harassment. They also said in the email they are no longer going to be contacting me about receiving a payment on my mortgage and to recontact customer service if I have any other issues.
08/10/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30263
Web
on Monday of last week the home owner XXXX XXXX requested that the mortgage company 21st mortgage send another draw because XXXX XXXX has completed everything except the flooring her home. they requested that photos be taken and sent in. they was done so the Thursday. After speaking with the handler of the file it was noted that the check was not sent out to XXXX XXXX, however XXXX XXXX XXXX XXXX the owner of XXXX XXXX purchased a overnight XXXX shipping label in a attempt to avoid the home owner to have to pay a late fee. At XXXX and XXXX XXXX XXXX received a email from XXXX XXXX stating that she received the labels and was about to send it off. After not receiving the check at the time of XXXX XXXX XXXX contacted the XXXX XXXX at Ext XXXX ( supervisor ) for 21st mortgage. XXXX XXXX was advised by XXXX XXXX that the check was placed into a drop box after the pickup time that was allowed by XXXX. Now they knew that the label was a next day air and at the time they received the label they could have placed it into the drop box in time for it to be picked up by XXXX. Now a late fee has be added to this account which is {$490.00}, and the home owner stated that she was n't going to pay it because she is not in control of the claims funds.
04/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • KY
  • 40065
Web
We were struggling to keep our mortgage payments current and constantly trying to contact 21st mortgage to set up a different payment plan or just to work something out. They would say they were sending forms for us to complete but never received any. Would try calling but there XXXX number was a non working #. Kept sending emails and no response. Would attempt to make online payments however since it was late the online system locked me out. So was unable to make payments. Received a hand delivered letter stating we were going into foreclosure. That letter had another XXXX to call which I did. Spoke to a rude male and he stated the he would call me back with a total amount due. Never called. Kept calling and was told he would call me back. Today I spoke with another rep and she stated that they were instructed not to call me. This has been going on for months. They are now saying that I owe attorney fees because it hasnt been paid. How can I pay when they wont tell me what I owe? How can I pay when they wont take my payments? Why should I pay attorney fees? Bottom line is 21st mortgage is impossible to work with or even communicate with. As a business owner myself I couldnt imagine refusing to take a payment from someone.
09/22/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 331XX
Web
We received a loan modification from 21st Mortgage. We made XXXX of the XXXX while working with them to verify the amounts they claimed were due. The loan modification says specifically that the amount of the escrow is subject to change, and we were negotiating that figure from the outset. Today we received a letter saying that we rejected the loan modification when that is blatantly false. We were negotiating the correct amount of the escrow. In fact, part of what was in escrow was amounts charged by XXXX, who notified us that those amounts were fraudulently charged, and refunded us a small portion of those charges by a class action lawsuit. 21st removed all the charges but taxes and we were negotiating on our claim of slander of title against the amounts of the escrow. Our point of contact XXXX XXXX is travelling and his auto-email notification says that he is not available until XX/XX/XXXX, so I called to his office. I was told by his assistant that so long as our payment was received before the end of this month, we would not lose our loan modification. Now 21st is saying they are going to return our loan modification payments and try to sell our home. HELP. We do not want to lose our home or our loan modification.
11/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 326XX
Web
We have tried to get loan modification but were denied without a real explanation. In response to our loss mitigation application submitted on XX/XX/18 21st Mortgage denied us ( in their XX/XX/2018 letter ) because : " Based on 21st Mortgage 's judgment, you have not experienced a new significant life event resulting in a short-term inability to repay. You do not meet the criteria for any other loss mitigation program at this time. '' In our XX/XX/2018 loss mitigation application we indicated that our household income had been reduced because my wife had become XXXX and was out of work. We also indicated that she was receiving XXXX income and we could resume making payments. We submitted a copy of check stubs which clearly indicated that she was receiving " XXXX XXXX XXXXXXXX '' We are frustrated because XXXX XXXX XXXX rejected our earlier loss mitigation application on XX/XX/2018 for the exact same reason. If a person becoming temporarily XXXX at work is not a " significant life event resulting a in a short-term inability to repay '', then I don't know what is. It seems that the `company is arbitrarily not helping us. Please see attached loss mitigation application, temporary XXXX check stubs and denial letters.
06/01/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NM
  • 870XX
Web
I am a XXXX XXXX XXXX working towards a XXXX XXXX , I am a widow ( I am awaiting widows benefits from Social Securit y ), and I am a single parent with dependents. My father, XXXX XXXX XXXX , bought the home in XXXX XXXX but unfortunately passed away on XXXX XXXX , XXXX . I inherited the home along with the inherited debt which I did not plan for financially. I am on scholarships, grants, and student loans which pay for my living expenses each semester I am in college. I called the 21st Mortgage Company to set up a payment arrangement for the month of XXXX as it was the end of my funding for the XXXX semester. They were rude, unwilling to work with me, stating that I should have budgeted for the mortgage with my monies from school. They have called me daily and e-mailed me consistently on XXXX , XXXX , XXXX , XXXX , XXXX , and XXXX with harassing messages. They are aware of my financial situation but they continue to call me and harass me daily. It is unbearable, it puts added XXXX on me and my family, and I will not be subjected to their unlawful practices any further. I have tried to work with them but I will not tolerate their demeaning, rude, and harassing behavior.
06/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NM
  • 88030
Web
I am having a problem with my current mortgage company submitting a requested pay off letter to the refinance mortgage company that I have been approved with. I have sent requests dated as far back as XX/XX/XXXX, more current requests such as a second written request inXX/XX/XXXX with an attached sample letter that the underwriting department of the refinance company needs. I keep receiving a pay off amount but not what the language is needed to be able to move onto the next process with the other mortgage company. I have called on XX/XX/XXXX, I had both companies explain what was the process to each other. I called again after the two parties agreed to a 2 week manual letter to be generated from current lender. I called again on XX/XX/XXXX, I was promised a would get a phone call on XX/XX/XXXX and that did not happen, I called two more times XX/XX/XXXX again message left and no call back. I have certain appraiser deadline that is nearing, among all the other new lender deadlines. I also have divorce attorneys needing this process to be done. This is way too much emotional stress that I keep having with the current mortgage company. I have been an excellent paying customer and receiving poor service.
10/13/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OK
  • 730XX
Web
I became behind on mortgage payments due to wage loss from COVID and COVID Delta. I lost an entire months wages on two different occasions in XXXX. I have made every attempt monthly to make payments as agreed. I spoke to XXXX with 21st mortgage XX/XX/2021. I made an attempt to make a payment of {$2000.00} to bring my past due to the current month and make up the current month through payments on the XXXX and XX/XX/XXXX. I was told there is an overage of {$1000.00} and the {$2000.00} would bring my payment to XXXX due. XXXX then supervisor XXXX on the phone who then began to blame me for being past due, saying things like at least I pay my bills when are you vacating the home saying I had until XX/XX/2021 to vacate. I told XXXX I hadnt been served with notice of foreclosure. I told her that with the way I am being spoken to I am not authorizing the payment. I asked XXXX why she is threatening me. That I had everything worked out until she got in the phone and began to harass, belittle, berate, degrade, and humiliate me. Calling me names. Attacking me as an individual and commissioner. Laughing at my misfortune. I have never been treated fairly by this company and they make threats every phone call.
07/21/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 754XX
Web Older American
This is a mobile home lender 21st Mortgage Corporation. I called for a payoff amount XX/XX/2020, The amount I was told was {$1800.00} I paid the {$800.00} then at the end of the month I paid the {$1000.00} believing I owed a balance of less than {$25.00}. I asked at the time I made the {$1000.00} payment about my insurance policy as I had it escrowed with the mortgage lender as well as taxes for the house. I was told the policy was paid for, would not be due until next year. I never signed an agreement for escrow, but asked if they would escrow for taxes and later for insurance which should have covered these expenses. They now say I owe {$850.00} on my house for it to be paid off. When I called I was told it was insurance, Paid After I sent the {$1800.00} so they ADDED it to my house note. I don't have to have insurance. Can they charge me interest on my house if this is not part of the contract? Why isn't the escrow a separate bill and account held for specific purposed and accounted for as escrow and not part of my house? What can I do to get my house free and clear? Since it is a mobile home they can repossess without foreclosure proceedings. Do I need an attorney?
04/25/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MI
  • 481XX
Web
on XX/XX/2023, 21st Mortgage contacted me about a payment I was supposed to make. I was unable to make the payment and would have the funds by XX/XX/2023. The first rep XXXX wanted to adjust the payment date and called the supervisor to approve it. The supervisor XXXX came on the call and the sound faded. I apologized and said the call is fading and I can't hear you. She implied that I was lying about not hearing her. They both began interrogating me asking why I didn't make the payment as I said and that I am always late. I explained that I am not a child but a XXXX woman. She replied back that I am acting like a child. I asked to speak to her supervisor and she said she was the supervisor and there was no one to talk to. I have never been 30 days late and was made to feel less than. It was 2 against one they both ganged up on me and began verbally abusing me. She also mentioned that my file was flagged for being a difficult customer. I want to file a complaint against the reps that treated me in a very unprofessional manner. It is worth noting that the reps were XXXX and I am XXXX XXXX. I assume because of this they could communicate in a disrespectful manner.
08/23/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 78681
Web Servicemember
Loan opened XX/XX/2021, 21st Mortgage who services our loan for our mobile home has not prorated back into our escrow for a change in flood policy. plus found out our current hazard home insurance policy last 3 years has flood insurance but they forced a lender flood policy on us so basically double policy is in effect and they will not remove their flood policy. also at purchase, they forced the owner 's policy on us and when I purchased a policy they did not cancel the other policy on our account either. I have sent certified letters, I have spent hours on the phone with no results. as of now I have a hazard home insurance policy through them out of my escrow account that also has flood insurance. I then had to buy out of my own account a new flood insurance policy to get them to remove their lender flood insurance policy off. but i still have double flood insurance that they insist i carry two policies on flood insurance. I also do not know why I even have to have flood insurance as our land loan does not require it. I believe this mortgage servicer is doing illegal buisness plus my policy amounts /cost do not match their escrow detail report cost
11/09/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AZ
  • 853XX
Web Older American
My husband and I bought a home a year and a half ago. It is a manufactured home on two lots. The home is married to the land. There is no tongue or wheels left on this home. It is a part of the real property. We had to go through a financial institution that finances just Manufacture Homes. We were charged a higher interest rate because of the type of home we purchased. I understand interest is a fee that a borrower pays a lender as compensation for the risk of loaning that money out. I know there are factors in determining the interest rate. Our credit score was over 800, we had a down payment, the amount to borrow, and the period of the loan. All this to get to the struggle I have with this. I think the system is broken. Why do lower income families have to pay more interest in paying for a home than a higher income family. They tell you to make extra payments on your home. Well that is well and good if you had that extra income to do that. There are many more people out there that have this same issue. But just accept it as it is what it is. It seems like our nation will do more for those that are not citizens than those of us that are American Citizens.
10/11/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 95062
Web
I filed XXXX XXXX in Bankruptcy Court ( XXXX )XX/XX/XXXX, with a creditor 's meetingXX/XX/XXXX, which was not attended by XXXX XXXX XXXX or their representative. ( NOTE : Creditor 's meeting has been continued to XX/XX/XXXX ). I requested a loan modification in US Bankruptcy Court XX/XX/XXXX, and wrote a letter dated XX/XX/XXXX documenting my request as no one from XXXX XXXX appeared in court. The bank responded by providing a loss mitigation application to lower the 14 % interest rate, in their letter dated XX/XX/XXXX. I returned the application XX/XX/XXXX, via certified mail ( received XX/XX/XXXX @ XXXX in XXXX , TN ), and that same day the bank secured a Motion for Relief From Stay to be allowed to foreclose on my loan of 8 years. I believe that the bank, 21st Century Mortgage, has participated in Dual Tracking as the application for loss mitigation has not yet been reviewed, while simultaneously securing an order to overturn the automatic stay in US Bankruptcy Court for the sole purpose to initiate and expedite foreclosure proceedings. I had also contacted the bank XX/XX/XXXX, seeking assistance in this matter. To date, I have not received a response.
03/04/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • NC
  • 28409
Web
After 10 years of payments toward the unyielding principal of the enclosed loan, it is only through its ballooning payments in XXXX that we realized, we were the victims of the predatory lending that drove our original lender ( primary and equity loans ) XXXX into bankruptcy. After a flurry of sale and transfer activity ( XXXX to XXXX XXXX XXXX XXXX XXXX to XXXX to XXXX ) in XXXX, we had HUD adjustments and interest relief ( offered and initiated by the mortgage holder ) toward our primary mortgage. However, the equity loan was sold to 21st Mortgage and remained unchanged, untill XXXX and their demand for more than four times the amount, of monthly payment. With his job loss in XXXX, my husband chose the security and peace of mind, of paying off our primary mortgage with the majority of his 401K savings as he struggled to regain employment. At this ongoing, most financially difficult period of our lives, the enclosed documents will show the threat to our most profound need, our shelter, our home. I would appreciate any and all assistance you can provide, in correcting this unjust, remnant of predatory lending that allowed the lenders to walk away.
10/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • XXXXX
Web
My 2nd mortgage was XXXX in XXXX XXXX XXXX XXXX I have 2 issues : 1 ) I requested numerous times to receive all my statements and communications electronically. To date, they refuse to do so citing the law doesn't allow them to do so. However, doesn't Regulation Z with the E-SIGN Act allow electronic communications? 2 ) Recently, I offered a lump sum payment of {$2000.00} to settle my loan, with has a $ XXXX plus balance, in full since I haven't made any payments in the past several years and don't see being able to make any payments in the foreseeable future. This was rejected originally and on appeal per XXXX XXXX at 21st Mortgage. She emailed me the same modification offer after each review which I had to decline because of not being able to make payments. When I responded I couldn't do that she replied " I will notate that you have no intentions and we will proceed as necessary on our end. '' They keep billing me with monthly statements and a separate monthly letter advising how many months I'm behind to bring the account current. I feel they are setting me up for foreclosure to take my home since they won't work with me on the settlement.
10/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CT
  • 06606
Web
I had tried to modify back in 2016. I had utilized a company at that time who was assisting with the process XXXX XXXX XXXX XXXX XXXX ). It turned out an offer was made then which the company I was dealing with never made me aware of. The woman I was working with XXXX XXXX had left the company. When I questioned the bank what phone number they contacted regarding the verbal notification about the trial modification. I was informed they contact XXXX This is not my number. They did not contact me directly nor did I receive the document to my home. I never expected to be in this position. I lost my son and my mom very close in time between them. I work very hard and several jobs and had they offered me the same offer of {$2100.00} I would have been happy to accept this now and previously. Because of this unfortunate error with regards to not being informed by the party who handled this for me, they now refuse to offer me anything at all. I am currently in foreclosure and close to a sale date. I am at the end of my Law dates provided by the court. You are my last hope. I just want an opportunity to retain my home and prove my ability to pay.
02/23/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 78222
Web
My Loan was assumed but 21st Mortgage as of XXXX. I was contacted XXXX XXXX regarding the XXXX payment. At that time I advised that I hadnt been working my part time job and had just completed XXXX school. I expressed that I would be working a few days in XXXX and would try to make a payment on the XXXX. I was unable to due to the amount that I made wasnt significant to complete a full payment. I was advised to Pawn or sell personal items but that I needed to pay! I expressed that I will start working full time on XXXX XXXX as a XXXX XXXX and wouldnt be paid until XXXX XXXX. Although I had applied for partial unemployment I wasnt sure if Id receive it. I was told that I didnt care about making my payment, that I was being unreasonable and even lazy as is pertains to getting the money. I tried to speak with several managers in their collections department and was told that in their department customer service isnt offered and Ill receive customer service when I pay. Ive never been talked to in such a matter by a debt collector. I receive phone calls and emails from them daily regardless of me consistently explaining my situation.
08/19/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92027
Web
In XXXX XXXX I purchased a home and financed it along with a co-borrower with 21st Mortgage Co. The Loan number is XXXX. 21st Mortgage reports this loan on my credit report yet they do not put my name on any mortgage coupons, mortgage statements and XXXX interest statements. This is unacceptable. I live in the residence I financed and the co-borrower no longer lives here and has a change of address which means I do not have access to my mortgage coupon, mortgage statements, any mortgage notices or most importantly the XXXX interest statements. 21st Mortgage needs to correct this information and put my name on all corresponding documents including year end XXXX interest statements as i am fully entitled to claim interest payments on my mortgage. I am requesting that they issue CORRECTED XXXX INTEREST STATEMENTS FOR XXXX, XXXX AND XXXX IMMEDIATELY TO CORRECTLY HAVE MY NAME APPEAR ON THEM and that they also issue new mortgage statements and coupons asap. 21st Mortgage is located at XXXX XXXX XXXX, XXXX, TN XXXX. Their phone number is XXXX and their XXXX number is # XXXX. Please help me have them correct this matter immediately.
11/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78666
Web
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and XXXX. I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
02/18/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • WY
  • 827XX
Web
i have had my mortgage for 7 years the last few months have be tough and i have had to use my grace period to make the payments. 21st mortgage corp will start calling and email both myself and the other person on the mortgage within the first day or so of entering the grace period. although we have spoken and responded to emails many many times that continue to call and email both of us an average of 4 times a day monday through friday. i have never missed a payment in 7 years and yet that call and email threatening to foreclose on us simply because we are in the grace period of our loan. all threats of foreclosure are made verbally. they will not send documentation. we have asked on several occasions that 21st mortgage corp stop harassing us as we always pay our mortgage and since then they now have 3 different people calling us on a daily basis. in addition to their constant phone calls and emails my father passed away last month and i had to travel out of state to handle his affairs. 21st mortgage corp showed no empathy toward my loss and simply told me they couldnt and wouldnt help work with me on the payment.
11/17/2016 No
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 10954
Web Older American
It is with great frustration that I am writing this letter to you. I have been requesting from 21st Mortgage corp a loan modification to no success. I have now received a notice of sale for my primary residence at XXXX XXXX XXXX XXXX, XXXX, New York XXXX from the Supreme court.. I began to struggle in XXXX after having a triple by pass. It was in XXXX when my wife lost her job and in XXXX it was then when I began to default on my mortgage.. Our daughter moved in with us and provides 100 % to the home.. We have provided various packages for a loan modification to no success.. I am presently again updating my finances and providing such to the bank. Please review our financial situation and adjust to an affordable level. Our mortgage is also upside down I desperately ask you help us. to keep from foreclosing. in our property and avoid further delinquencies. We have taken severe steps to better our financial situation. We have eliminated services to our home. This is our only shelter. I am requesting a work out plan that will extended the terms, lowering the rate and adjusting the principal balance..
05/17/2021 No
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AL
  • 364XX
Web
I fell behind on my mortgage a few months ago due to XXXX reduced hours, and missing time from work during my illness. The mortgage company emailed me about the past due amount and said I could get help if I fell behind due to XXXX. I called and asked if I could get help and the answer was no. They were only concerned about their money. 21st mortgage has never tried to help me. They want to know all your business and are very rude and disrespectful when they speak. I've been living in this home for 9 years and only {$4000.00} has gone towards the actual mortgage. The interest is outrageous. Also, the roof was damaged during hurricane XXXX and I filed an insurance claim. They sent a check then I sent it to 21st because they had to sign it. They won't send the check back unless I send them some estimates and some other paperwork. That's ridiculous!! They are trying to keep the money instead of sending it so I can get the roof fixed. The check is only {$3900.00}. I'm going to have to pay extra out to pocket to get the roof repaired. 21st mortgage needs to be sued for their fraudulent business practices.
03/09/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
  • 71107
Web
I lost my job in XX/XX/2020 after working there for 6 years, business slowed due to the Covid Pandemic. I started to get behind on my mortgage, I called them repeatedly to try and catch up on my mortgage I eventually got {$8000.00} behind I called and told them I can pay {$7000.00} and try and get the other {$1000.00} within the next month but the refused to take payment unless it was the whole {$8000.00} payment. I only owed XXXX on the house and my land and it appraised for XXXX I had a potential buyer when I learned that XXXX mortgage went behind my back and bought it from XXXX sheriffs office for only {$50000.00}. My kids and myself our now trying to make rent bc I spent all my money trying to sell my home because I had so much equity in the house. I cant take much more as a single dad with no financial help, I work 7 days a week for {$9.00} an hour. Im so stressed that I almost wish XXXX would just take me I Cant hold on much longer Im beyond stressed that me a XXXX year old man cant fully support my babies Id getting to the point Id rather be XXXX. I dont know who to ask or what to do for help.
04/24/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 700XX
Web Servicemember
I brought a mobile home fro m 21st Mo rtgage in 2008, no w that I am getting near the end I seem to have more add on fees. I have inquired about these fees and they become belligerent and talk to me with blatant disrespect. My amount that I owe them is wrong and they refused to fix it, they also have taken my insurance money without my approval and added it to my loan which has not done anything for the amount. I have repeatedly tried to call them and ask for the amount they are sending the credit company in regards to my credit re port. 21st Mort gage have a lot of practices that need to be looked into, during the times everyone was coming back from Hurricane XXXX . We brought homes and like myself only owed {$11000.00} but to still be paying them to this date is so utterly unfair. We should have been finished with them I am not understanding why we are not and they refused to answer any questions. There is a guy name d ( XXXX ) no last name and he is always rude and talk to you any type of way with little to no respect of who you are, I truly need help to get this completed ASAP.
04/23/2021 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 32837
Web Older American, Servicemember
On XX/XX/2020 I contacted XXXX to apply for refinancing both my first and second mortgage. The home appraisal was not enough to cover both the first and second mortgage, so it was suggested that I apply for money-out refinancing on the first mortgage only. The applications were electronically submitted and {$20000.00} money-out for the first mortgage refinance was estimated on closing. The 21st Mortgage Company is the servicer of the second mortgage. It refused to resubordinate the second mortgage unless the entire second mortgage is fully paid off. The VeteransFirst.com can not proceed to this unreasonable demand. 21st Mortgage held XXXX the processing and completion of the refinancing by it's unreasonable demand to be fully paid, prior to allowing the first mortgage refinancing to be closed. This caused a lengthy delay, we are now counting one hundred and forty days and still waiting for the 21st Mortgage to provide the necessary papers to close. The terms/conditions it wants are capricious and untenable because there is not enough money to fully pay the second mortgage.
02/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KY
  • 40065
Web
21st Mortgage out of TN On XXXX XXXX I made two separate payments, one for XXXX and second for XXXX. These payments were done electronically and posted on XX/XX/2021. Making these two payments brought our mortgage current. On XXXX XXXX we received notification we were in default. Called and spoke with agent and she stated we were not in default and then began to question why we made two consecutive payments and demanded we pay for XXXX which is not due until at least the XXXX. This is an ongoing issue with this company. Constant harassment and negative reporting to credit bureaus. They are constantly locking us out of the online payment portal. They have sent people to our house taking photos just in case we ever go into foreclosure. The mortgage co also has our mortgage listed as a mobile home which it is not. They refuse to correct it which we are unable to refinance because of that and negative credit reporting. They at one time also demanded my wife and I both have cell phones. They have also demanded on knowing where we were getting the funds to make our payments.
04/14/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • AE
  • XXXXX
Web Servicemember
We are a military family XXXX. We purchased a home in XXXX XXXX XXXX in 2006. 3 years later we were sent XXXX. We could n't sell the home because the value had depreciated. We rented out for a few years, but after finding we would not be able to return to XXXX XXXX we began the short sale process. We have stayed current with our payments but our home has been vacant for a year. We 've used up all of our savings and are struggling to make ends meet. We currently have an investor who has made a reasonable offer on our home. We have XXXX lenders servicing our loan, unfortunately, XXXX of them, 21st Mortgage continues to increase the amount they 're willing to accept from the short sale. A couple of months ago we presented an offer to XXXX for the amount they asked for. We just spoke to a representative from the company and were told the lender increased the amount they 're willing to accept by more than half of what was previously asked. Letting the home go on foreclosure is not possible because of our status in the military. At this point we do not know how to proceed.
08/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77088
Web Older American
I was in a modification paying interest only for 10 years, I signed this modification not realizing it was interested only, just trying not to lose my home back in XXXX. The modification ended in XXXX, and the mortgage payments went from {$810.00} to {$1500.00} monthly which I have been struggling to pay since XX/XX/XXXX. I lose my job in XX/XX/XXXX because of COVID-19. I was receiving Social Security XXXX which was stopped because I made over the amount I should have in XXXX. So temporarily only received unemployment which has also stopped in Texas. Now I receive Social security XXXX. I have spoken to my mortgage company 21st Mortgage, to see what help was available to me, I received a modification of 2 months ' payments placed at the end of my contract in the first half of XXXX. That's all they offered me. I am currently behind for XXXX and XXXX of XXXX. 21st mortgage offers no help. I can't get refinanced because my credit score is only XXXX which was also affected by my current financial struggles. Do I have any options available to help me? Thank you.
03/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 751XX
Web Older American
On XX/XX/2022, I called my mortgage company, 21st XXXX, to find out why I had not received loss mitigation papers. I was told they did not receive loss mitigation papers from XXXX and they will foreclose on my property on XX/XX/2022. That's the next day. I stated to 21st Mortgage that I had not been notified. They said notification was sent to me and the attorney I had at the time. Neither the attorney or myself received notification. 21st XXXX will not provide me with documentation that it was mailed to me. I feel like this is an unlawful foreclosure. The next issue is the attorney I had at the time, XXXX XXXX, did not forward the loss mitigation forms I emailed to her email account. I have the original email showing it was sent to XXXX XXXX. I would not have lost my land and house had she forwarded my loss mitigation forms. I am seeking to have my house and land returned to me and am seeking monetary remediation regarding XXXX XXXX 's failure to forward the loss mitigation forms I had sent to her per her request. She stated she would send the paperwork.
01/09/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 273XX
Web
Purchased modular home in 2000. I was in my twenties at the time and agreed to an extremely high interest rate in hopes of refinancing later. Couldn't find anyone to refinance a modular home. Original loan amount was {$53000.00}. 20 years later my balance is {$42000.00}. Last months payment of {$670.00} ( which included an extra {$50.00} ) was divided {$150.00} towards principal and {$360.00} towards interest. My land which is not financed is also collateral. The company constantly harasses me even when my payments are on time or agreements have been made and kept, calling multiple times a day. I have tried speaking to them about options to reduce interest and they talk over my head trying to confuse me until I give up. At this point in the loan, I should be seeing more towards principal. Even if I continue to make regular payments of {$620.00} for the remainder of the 10 years of loan ( 120 months ) this would amount to {$75000.00} when I owe a balance of {$42000.00}. A difference of {$33000.00}. It isn't adding up and I am unable to get the answers I need.
09/21/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 01453
Web
I got a mortgage on a mobile home in North Carolina a year ago. On XX/XX/2021 my home was delivered to my land. The company that I bought the home from gets paid by the mortgage company or bank a financial institute that holds the construction mortgage pays forThe home and fall when its delivered to the land. As a consumer we need to change this policy. The home should be partially paid for and then paid in full when you get an occupancy permit. I have had my home on the land for over three months I still have no occupancy permit. Im paying a mortgage and a high rent plus a storage unit for my stuff because I sold a house Believing that my home was going to be ready within 2 to 3 weeks after it gets on the land. Thats not the case Ive heard multiple complaints about this. I want to know how I can go about making it a law that the financial institutes that finance mobile homes do not pay for the home in full until there is an occupancy permit. If you can lead me in the right direction to do this. It would be greatly appreciate it. Thank you XXXX. XXXX
03/25/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • IN
  • 46517
Web
I often make multiple payments at one time to my mortgage company. I include the account number on the check with the months that the payments are to be applied to in the memo portion of the check. I also include in the envelope the payment coupons for the payments that the check is to be applied to. A few months later, the mortgage company sends me mail saying that I am seriously overdue on my account because they misapplied my payment. This happened last year for the XXXX time and they put a late pay on my credit report for it even though my payment was never late. That mark is still on my credit report as I have not had the time to challenge it with the credit reporting agency. Today, I received yet another threatening letter even though I 'm not behind and do n't owe any more payments until XXXX. I 'm tired of them misapplying my funds! Furthermore, when I made another multiple month payment in XXXX of last year, I requested in writing a statement of all of my account history and then still have not sent it to me XXXX months later.
08/03/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • XXXXX
Web
The mortgage company has not contacted me regarding assuming the loan after my husband 's death but they have spoken to an unauthorized third party - the office at our mobile home park - and told them that they are " evicting me ''. I already complained in another complaint yesterday about the lawsuit they filed against me for occupancy. As a result of them speaking with the unauthorized third party I received a phone call from Texas Rental Relief about my application for funds for the back rent. Texas Rental Relief stated that the office at the mobile home park is refusing to accept funds for the back rent because the mortgage company told them they were " evicting '' me. In fact they are attempting to illegally gain occupancy by not allowing me access to loss mitigation and not assisting me with assuming the loan. Now I am not only being denied assistance with loss mitigation with regards to my home but also being denied access to federal funding made available for people suffering from financial impact due to Covid-19.
04/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 788XX
Web
XX/XX/XXXX I was in process of refinancing my current home mortgage loan. 21st mortgage was aware and got angry I was refinancing. The new mortgage company was nation 's lending corporation and they started they were going to assist the mortgage payment and failed to do so. I then contacted 21st mortgage to explain to them and i got nothing but attitude and they failed tp help and resolve the issue. I want them to take off the late payment. XX/XX/XXXX payment XX/XX/XXXX. The payment was due and I was going to pay. Unforeseen event of losing my mother, father and sister unexpectedly in a tragic accident caused me and my brothers to use our money to pay funeral arrangements. 21st mortgage refused to help which is going to cause me to be late 3 days over the 30 days. They still refuse to help me and I want this late credit report hit to come off also because of a hardship I hit this month. 21st is nothing but attitude and mouthful people. They told me to borrow money from my dead parents. Come on now what company does that.
05/01/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 760XX
Web Older American, Servicemember
On or about XXXX XX/XX/2022, I made a mortgage payment over the phone. The reason was because I changed my auto payment info and didnt think the the mortgage company would interrupt their auto payment process. I recently received an email from said company saying I have an important document to review. Viewing the document shows an overdue payment fee. Talking to two representatives solved nothing to remedy this snafu with the process. Not intentional on my part. Talking to the representatives I was constantly interrupted and not allowed to explain my position. Their answer was something on the order of a signal was sent out previously. If this signal is finite why didnt I get an email every month stating I have documents to review. This incident happened over 14 months ago. If nothing changes on my statements I dont need to look them up. Well something changed. I feel I may be, along with other people, of being embezzled out of funds. The mortgage company didnt fix their process then and they think I can fix it for them.
11/30/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 305XX
Web
I lost my job due to lack of work. Its taken everything I got to feed my kids and keep the lights on. I 'm only 15days late on my mortgage with 21st mortgage corporation. I tried calling and talking to my financial counselor XXXX XXXX to see if he could give me until XXXX/XXXX/2015 to make payment in full. I began to tell him my situation he replied " so your going to risk the roof over your children 's head by not making this payment today in full. '' I was spoken to very rudely then hung up on. I tried to call directly back XXXX times never got him back on the phone I had to speak to someone else which only told me to sell whatever I could to make this payment or did I know a few people to borrow money from. because they will give me no other option other than pay it in full or its out of there hands after today. I offered to pay {$250.00} today and the rest on the XXXX but they refused to accept it. and told me if I did n't pay it in full by XXXX eastern time today that they would move forward with foreclosure process.
08/27/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92346
Web
In process with short sale for property on XXXX XXXX XXXX, XXXX, CA. XXXX. Accepted offer of {$240000.00}. 1st and 2nd asked for new price of {$250000.00}. Buyer obliged to pay {$250000.00}. XXXX is the loan on the first, through XXXX XXXX. XXXX has accepted the offer, and from XXXX procedures, is offering the 2nd loan with 21st Mortgage the industry protocol of {$6000.00}. 21st is holding up the short sale and is insisting on {$44000.00} and that the first mortgage should pay them the difference of {$6000.00} and {$44000.00}. XXXX is saying no, due to industry standard. Short sale specialist and myself have contacted 21st. 21st is stating we should do a deed in lieu, which makes no sense, as 21st would have to buy out XXXX and come up with {$240000.00} to do that. 21st was not the original loan, they bought the loan from XXXX. 21st has an acceptable offer, and is industry standard, but would rather get nothing and ruin my credit when I have done everything they have asked of me to make this difficult situation better.
06/28/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
Web Servicemember
On XX/XX/XXXX I called 21st Mortgage Corp. to see if my check # XXXX {$390.00} was received for my XX/XX/XXXX mortgage payment which I sent onXX/XX/XXXX with first class stamp in their envelope and payment stub. I was told to wait a few days to see if it showed up. I was then called by the person I spoke with ( XXXX XXXX ext. XXXX ). that my check was not received and that I could either make a payment over the phone or wait. This has happened two times previous that my checks were not received and my account was delinquent which affected my credit. I made the payment over the phone and stated that if check showed up to contact me and or return the check. Neither occurred, on XX/XX/XXXX I noticed a second withdrawal from my bank account. I called the person to ask why the check was deposited and he said he had no control over this situation. I am on a fixed income and had to make arrangements to recoup from the additional costs As stated before this is the third time this has occurred, and it should be addressed.
02/07/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
  • 71360
Web
My husband lost his job XX/XX/XXXX. He began drawing unemployment in XX/XX/XXXX, we remained current on house note until XX/XX/XXXX when his unemployment ran out. Louisiana issued stay at home orders during the time he was on unemployment but we continued to apply for employment through resumes. No hiring was taking place as we had to stay home. My mortgage company refused to work with us from day one. They belittled, battered, double teamed us and the only answer they would give us was borrow from family/friends. We have no one to borrow from. After three surge 's of pandemic and two hurricanes, they still refused to work with us. They have treated us as though we were stupid, telling us we never spoke with people we know we had, harassed us, calling all hours of the evening, after XXXX and at or before XXXX XXXX and holidays. We finally stopped speaker ng with them. They have offered no loan modification, and our house will be sold XX/XX/XXXX. We are both ill with XXXX XXXX and will be homeless when evicted.
03/16/2016 Yes
  • Mortgage
  • Other mortgage
  • Settlement process and costs
  • TX
  • 762XX
Web
MY HUSBAND XXXX XXXX XXXXPURCHASED A MOBILE HOME IN XXXX XXXX XXXX { NOW OWNED BY YES COMMUNITIES ] IN XXXX/XXXX/2010 THE CONTRACT WAS THAT WE STAYED IN THE COMMUNITY FOR 4 YRS. WE ASKED ABOUT MOVING A LITTLE BEFORE THE FOUR YEARS WERE UP AND WE ASKED WHAT WOLD BE THE CHARGE TO MOVE OUT EARLY. I RECIEVED AN E- MAIL OF THAT PART OF THE CONTRACT FROM AN XXXX EMPLOYEE NAMED XXXX . WHEN I GOT THE COPIES I NOTICED THAT MY HUSBAND SIGNATURE WAS FORGED BY XXXX XXXX I HAVE THE COPY. SHE SIGNED MY HUSBANDS NAME ON THIS DOCUMENT, AND WE NEVER HAD THE COPIES IN OUR ORIGANAL PAPERS. WHEN WE CINTACTED XXXX XXXX THEY WOULD NOT RESPOND. WE WENT TO A LAWYER AND FOUND SOMEONE TO TAKE IT ON A CONTINGENCY. IT HAS NOW BEEN OVER 2 YRS AND THEY STILL HAVE NOT COMPLETED. MY HUSBAND AND I WANT TO MOVE FROM THIS COMMUNITY, BUT I HAVE BEEN TOLD WE CAN NOT MOVE THIS TRAILER NOW UNLESS WE PAY IT OF????? THIS WAS TOLD TO ME BY 21ST MORTGAGE OUT OF KNOXVILE TN.. WE WANT JUSTICE FOR THIS AND NEED AS SOON AS WE CAN TO RESOLVE THIS ISSUE
08/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32311
Web
21st Mortgage was my mortgage holder on my mobile home loan. The mobile home was a voluntary repossession as of XX/XX/XXXX. 21st Mortgage sold the unit in XX/XX/XXXX with no deficiency attributable to me. 21st Mortgage had spent money to rehabilitate the mobile home prior to sale and therefore those amounts are not my responsibility. The mobile home was sold for more then the amount owed to 21st Mortgage at the time of repossession. Any deficiency should be a charge off or loss to 21st Mortgage who had the option to sell the unit as is and then would have been entitled to any deficiency after sale. 21st Mortgage is still reporting this as closed, but it is still sending in monthly payment information prolonging the time this will remain on my credit as a negative trade line. I filed a dispute via XXXX to have this trade line monthly reporting be corrected and it appears 21st Mortgage simply just amended the outstanding balance due and did not stop its reporting of monthly payment or lack thereof.
07/19/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 761XX
Web Servicemember
Each year my XXXX is issued from my mortgage company which shows the total balance owed for the year. Last year the balance was around {$4000.00}. I paid this amount during the months of 2022 until XXXX. In XXXX, I sent a notice from my attorney asking for a hardship forbearance until my XXXX claim was completed. My XXXX claim completed in XXXX XXXX XXXX. At this time, I phoned the mortgage company and was told that I had a total outstanding loan balance of {$980.00}. I made XXXX payments of {$450.00} and in XXXX I was sent statements that I am still due a monthly mortgage payment. When logging into my account ; it shows that I do not have any principal or interested balance ; but there is an accrual that equals above what I even owed at the beginning of 2022. There has been some accounting activities on my account that has not been explained to me. The mortgage company is now addressing all of my account concerns to my attorney instead of me ; and has not sent a release of lien nor my deed.
10/11/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VT
  • 054XX
Web
I am working with XXXX ( XXXX XXXX XXXX XXXX ) which has approved me to cover all back mortgage payments and bring my account current. In order to do so, my mortgage company ( 21st Mortgage Corporation ) needs to respond to their request for information. This outreach has occurred via fax and email, multiple attempts over the past months ( since XX/XX/XXXX ). When I contact 21st Mortgage directly, they state that outreach has not occurred, and will not provide direct contact information for where future outreach can be sent. Additionally, I am working with Vermont Legal Aid, who is able to help facilitate if a name of an individual or attorney who is managing the account is provided, but again, the company will not disclose this information. This would allow me to bring the account current, however as 21st Mortgage is not responding to outreach to anyone other than myself, despite having the appropriate permissions in place, I am unable to access the support that I am entitled to.
04/12/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • TX
  • 75237
Web
21st Mortgage aquired my loan from the now defunct XXXX Mortgage. When I fell behind on my mortgage I tried to get assistance from 21st Mortgage to modify my loan. They refused and forced me into bankruptcy. Because me & my wife are on a fixed income I could n't afford to keep up the payments in bankruptcy and my case was dismissed. I learned that XXXX Mortgage was the subject of a multistate class suit brought by the attorneys general of XXXX states where they found that XXXX Mortgage used fraudulent practices and originated predatory loans on poor minorites. After reviewing my loan I was able to determine that Ameriquest/Argent violated the law in the origination of my loan and should not be allowed to foreclose their lien on my property because they viloated the law in the process of securing a lien on my property which should not be enforceable under the law. I need someone to intervene in the foreclosure sale they have scheduled for XXXX XXXX, 2016
03/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94555
Web
I have wrote a letter datedXX/XX/XXXX to inquiry about the late fee balance of {$930.00} that 21st Mortgage Corporation show on monthly statement. I've received a respond letter dated XX/XX/XXXXstating the late fee balance is correct and provide a payment history without giving the specific date ( s ) how the late fee ( s ) applied. I've responded with a letter dated XX/XX/XXXX requesting for specific date ( s ) of how the late fee accumulate and how they came up with the late fee balance. It seems like 21st Mortgage Corporation wants you to do your own investigation and figure out how the late fee came about. I guess they do not believe in Customer Service and servicing their customers when that they have questions on their accounts. 21st Mortgage Corporation has been very difficult to work with and they seem not willing to work with consumer to get their answer resolved. I'd greatly appreciate if someone from your agency can assist in this matter.
05/13/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • MS
  • 386XX
Web
I am not quite sure why XXXX in 4 months time did not question XXXX Mortgage for information listed on my credit file as them being a creditor of mine. I had my attorney review this credit report from XXXX XXXX XXXX XXXX and that is when he found 21st Mortgage is listed as a creditor on my credit file. I have advised XXXX over XXXX times I did not and do not have a mortgage with any financial institution. Please remove this off of my credit file immediately. I have written to 21st Mortgage and asked these people why would they place themselves as a creditor on my credit file when they know they have not granted me any type of credit for a mortgage or any thing else. I do n't even know how these people obtained my social security number. I have never signed any type of authorization for 21st Mortgage to check my credit for any thing. And XXXX sure did not receive a mortgage from these people. Please remove this off of my credit immediately. XXXX XXXX
05/29/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • TN
  • 374XX
Web
I called to make arrangements to pay XXXX payments next month on my XXXX mortgage with 21st Mortgage. The rep XXXX was so unkind and said " what are you spending your money on? '' I asked for a supervisor XXXX who came on with pretty much the same tone. Saying they have the right to know what I spend money on if I owe them. Maybe so, but there 's a better way of them getting the information they need than just being so rude and blunt. I do n't have to show them my receipts of what I spend my money on. The point is that I 'm trying to work with them to get caught up and they harrass me with emails and treat me like dirt when I call in. I 've encountered this numerous times with this company. Finally XXXX transfered me to her boss XXXX XXXX at ext XXXX who was very professional and understood my concerns. He worked with me on the arrangement but this company is tipping the scale on their collection procedures and need to know where to draw the line.
06/18/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 786XX
Web
I applied for a XXXX XXXX RV loan with 21st Mortgage initially on XX/XX/2020. Currently, I have not received approval due to the income requirements as stated by 21st Mortgage company as they say Im not currently within federal regulation requirements. I have 3 jobs - one is a XXXX, one is XXXX, and the third is a new XXXX job. 21st mortgage states that they can not include ALL my income as the XXXX job is too new ( I started a month ago ) and my XXXX and XXXX income isnt sufficient as I write off my work from home expenses and they say my taxes are not meeting the guidelines. How can one build credit, begin to own a new ( first ) home, and create good equity if these income/credit regulations/standards continue to suppress those very capable of managing an estimated $ XXXX month mortgage payment? Please help those of us trying to better our lives by loosening the strict Financial regulations/guidelines put upon these mortgage companies.
07/25/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • TX
  • 797XX
Web Servicemember
I'm in the process of closing two loans for two prefab homes with 21st Mortgage one is going to be a secondary home. After being completely qualified for the loan because I mentioned my mother in law would be staying in one of the units that loan was put on hold until she submitted an application with 21st Mortgage. She did not want her credit ran because it reduces her credit score. 21st Mortgage said they needed to run it to make sure she did not have a defaulted loan. She did not have a problem with them checking but was forced by 21st Mortgage or they would not give me the loan. To prevent it from happening to me she signed application. I don't believe 21st Mortgage should hold a loan hostage and force someone to submit an application just because her name was mentioned. My loan should not be used to try and clean up their books. They ran my Mother-in-Laws credit by coercing and threatening to denying my loan if she didn't.
03/20/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • XXXXX
Web
I applied for a loan for a mobile home and was given a 7 % interest rate. I wanted a lower rate so my agent told me to call another person. I did and they gave me a 5 % interest rate over the phone, and gathered all my information. I received the loan estimate and the interest was 8 %. My real estate agent asked me to call the lender, I told her I was not going to call him because I feel he bated and switched the amount of interest. She said I told him not to do that. I was shocked that she knew what he was doing and didnt tell me. I thought she worked for me not the loan originator. I feel they are in co hoots in trying to trick me. He thought I wouldn't notice the amount on the paperwork, but I did. Isn't that illegal? If its not, it should be. This was a {$200000.00} loan and the loan fees were {$10000.00}!! The name of the company is 21st mortgage, the loan originator was XXXX XXXX, and real estate agent was XXXX XXXX.
02/27/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MS
  • 390XX
Web
I got this home in 2019 and moved in and my payments were affordable but after my children didnt go back to school i had to buy more food more house hold items plus computers for there work and get the internet which it is higher in our area due to us being at the location that we live in. well the mortgage company went up XXXX XXXX extra dollars on my note. That was a bit to much so i fell farther and farther behind, now they are trying to take my house. I have XXXX children and its been hard on me. There father got XXXX in a XXXX XXXX and its been very hard on me because im all they have and Im trying my best but being a XXXX XXXX and trying to maintain the well being of my children is hard. I really need the help to get back on my feet. i havent been in a bad situation like this before but what i do know is that if i could get the help it will be greatly appreciated. Thank you for your time a patients to read this.
11/03/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77303
Web
From the beginning, 21st Mortgage has been a pain in the XXXX. First, they made every effort to make it difficult to obtain the loan like ; Not excepting military pay as income or my XXXX. One comment was " You cant be active military and receive XXXX income! '' Another " We can not accept a down payment from a nonprofit organization '' Now that I have had a loan with them for a year, it seems that they make it so difficult to make a payment. They reject payments and demand that I provide my checking account number over the phone, which makes me very uncomfortable. From day one they make me feel that I am a criminal trying to scam them when it is the other way around. They are the criminals trying to take my property. Even with the ESCROW, they claim I was scamming because I am a young guy paying very low taxes on the property. They never saw where a young person pays as little as I do on property taxes.
12/14/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • 780XX
Web
LOAN NUMBER XXXX FIRST ISSUE IS THEIR BUSINESS AND COLLECTIONS PRACTICES. THEY SAY THEIR IS NO GRACE PERIOD BUT YOU ARE NOT LATE TILL THE XXXX OF THE MONTH. IF YOU ARE NOT LATE TILL THE XXXX CONSTANT CALLS TILL THE PAYMENT IS MADE ON THE ACCOUNT BEFORE THE XXXX. THEY WILL CALL HOWEVER AND WHATEVER ASSOCIATED WITH YOU AND THEN GO FROM THERE. SECOND EMPLOYEES DO NOT KNOW HOW TO TALK TO PEOPLE IN REFERENCE TO ANY SITUATIONS GOING ON. I NEVER ASK FOR A PAYMENT TO BE MOVE I KNOW MY FIRST PAYMENT WAS LATE BUT THIS LATE TWO PAYMENTS THAT WHERE LATE WAS DO DUE TWO XXXX IN THE FAMILY THE RESPONSE FROM THE COMPANY IS THIS HOME IS A PRIORITY. ALL OTHER COMPANIES HAVE TO FOLLOW CERTAIN BUSINESS PRACTICES BUT THIS ONE. I ONLY WANT COMMUNICATION FROM THEM IN WRITING I DO NOT WISH TO DISCUSS ANYTHING WITH THEM OVER THE PHONE OR VIA EMAIL THEY LACK PROFESSIONALISM. ALSO THEY NEED THEIR BUSINESS PRACTICES TO BE INVESTIGATED.
07/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MS
  • 39350
Web
On XX/XX/XXXX, I contacted 21st Mortgage to inquire about payoff. I was given a payoff amount of {$11000.00}. A payment was due on this account on XX/XX/XXXX. I was told this payment was not included and that making the payment on XX/XX/XXXX would save the amount of the payment due XX/XX/XXXX. I paid the account in full on XX/XX/XXXX in order to save the {$280.00} payment per quote and was informed that this payment would not draft as account was paid in full. On XX/XX/XXXX, a payment for {$280.00} drafted from my account. I contacted 21st Mortgage at this time and was told it was an error and that I would be refunded by check. On XX/XX/XXXX, I received a check for {$40.00}. I contacted 21st Mortgage at this time. They now state that the payment was due after the account was paid in full and that it was an error on their part. They will not, however, issue any refund.
11/14/2023 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • XXXXX
Web
Ive already put in a complaint with the XXXX about 21st mortgage trying to collect a full payment of XXXX for XXXX mortgage payment. They had already received a. Default payment of XXXX and have cashed the check. They receive payments by check in mail and cash every single one. No notice my payment was short XXXX dollars before sending a notice about repossession of my home. I have no issue paying the amount I was short but they want the full payment for the month. When confronted with this issue through the XXXX they closed all contact with me through them. I had to put to complaints in for them to finally respond to the second and sent proof of them cashing the check for my mortgage payment. I am in the process of finding a lawyer for their illegal activities. The attached files are from my mothers checking account. I dont have checks so she sends them in for me.
07/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OH
  • 449XX
Web
21st Mortgage has been harassing both myself and my wife with multiple phone calls daily if we are so much as a day late on our mortgage payment. We have tried to work with them and explain the situation as I recently lost my job, however, they refuse to do anything for us and start to become hostile when we explain we can not pay it yet. We attempted to pay our mortgage payment of {$690.00} that was due on XX/XX/2022 today ( XX/XX/2022 ) and they initially refused payment and got hostile with us regarding our situation. This abuse has just made the situation far worse and the stress from receiving multiple calls a day is awful. They have also lied and said they do not call more than once a day but our phone records prove that this is not true. I have never had another company harass or abuse me this much in my life, and I hope action is taken against them.
10/02/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 350XX
Web
I have sent a couple of complaints and they appear to get closed as soon as 21ST Mort. answers. There are still issues with my account, although instead of me carrying this out forever on XXXX XXXX XXXX I sent an email to their attorney 's office requesting information on a hardship package and or information on what they offer since they state I am a payment behind and I feel that I am not and there is no way for me to make two payments in a month. They also state the account is not on escrow at the moment, and I was credited for {$35.00} for when they did do the escrow. ( I do n't have escrow account ) but it was done more than 5 payments. I had n't heard any response on the XXXX XXXX email so I sent a follow up on XXXX XXXX XXXX and still have n't heard a response. Apparently in researching them on line I am not the only person with these issue.
05/07/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • PA
  • 173XX
Web
Our mortgage was transferred to 21st Mortgage in XX/XX/XXXX, at which time, we had been working with XXXX for modification. Despite having TPP, was unable to reach anyone until I learned we were actually transferred to 21st. IT was months before they had our account information, and by that time, 21st Mortgage made us reapply. Unfortunately, they have kept us in dual tracking limbo since XX/XX/XXXX, when loan was with XXXX. It was transferred multiple times with multiple assignments filed ; however, 21st Mortgage acquired loan from XXXX. Hence, it was eligible for HAMP modification. They repeatedly wrongly denied and took advantage of us at every turn. As a result, we have not been able to submit any payment, nor come to any kind of fair & reasonable modification, despite the loan being eligible and part of past XXXX settlement and foreclosure review.
04/30/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • 780XX
Web Servicemember
21st mortgage sent letter not certified stating they will offer is XXXX to move in 10 days from XX/XX/XXXX letter rec on XX/XX/XXXX. Balance owed one payment of XXXX and upcoming payment will be paid in XX/XX/XXXX. First payment of XXXX will be rec on XXXX next payment including late fee will be rec on XX/XX/XXXX, we believe we owe less be used we were told the escrow payment account was overpaid by XXXX and would be applied to the account meaning XX/XX/XXXX payment should be XXXX and XX/XX/XXXX payment is going up to XXXX. There are only two items paid out of escrow insurance which is XXXX a year which we paid up front the first year they paid out of escrow this year. Last year no property tax payment new property tax XXXX they continue to pad the escrow without applying the overage to the account and now are saying we are way behind acct number XXXX
12/28/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 751XX
Web Older American, Servicemember
In XX/XX/2021 I ran out of money saved up because I had tried to get the insurance company to fix a roof leak for a year and a half finally a roofing company got them to pay but they refused to pay for internal repairs all my money went into repairs the insurance company is owned by my mortgage company so seeing that my XXXX dollar a month XXXX XXXX XXXXXXXX check was not enough to pay a XXXX house payment plus live on I tried to get refinance even tried to get a reverse mortgage told mortgage company that I was in the process of doing so they sent me for closure because I got behind so I started to sell my house to an as is Buyer they put me in the position by lying to me that they were going to buy my house to get further behind Ive asked for forbearance several times they refuse they say they are not required to give me forbearance
12/17/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 148XX
Web
I'm having trouble with 21st mortgage company and was told by them more then once I'm not behind and I'm being threatend by them they are saying if I am 1 day late will sue you by one supervisor the other supervisor I spoke with I asked then to wait on the other XXXX dollars for XX/XX/2021 a and I'm going true vary financial hard ship since my wife passed away in XXXX of this year ever since they been vary demanding and told me will list your home for sale and for close on you i said to them wait till the XXXX the of XXXX after thy told me i was all paid up for this month and i made other arrangements to pay on my car so it wouldn't get repoed then thy said CANT YOU DO THE MATH you sent in 2 pYments and witch i didone on thee firest and another on the XXXX that dont add up after thy told me i was paid in full this month i need help
04/07/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • MA
  • 02302
Web
Hi, I had a multifamily home, and I moved out to a single, it was rented out, the bank that owned the loan file bankruptcy, the new company that brought the loan said I did n't qualified for a modification because I did n't live there and its considered and investment property so they foreclosured when I did n't agreed to there terms. I told them I should get a modification and that mgl XXXX for foreclosures states that, they claimed that the mgl. XXXX does n't apply to me, because I did n't live at the property I was n't entitle to any modification or a 150 days right to cure, and was not allowed to find another bank that would refinance me. After I did n't agreed to their terms in XXXX XXXX 2015 they sent back my money and foreclosed on XXXX XXXX 2015. I tried to get back my property but they sold it to someone else.
05/17/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 75050
Web
They Call me multiple times a day even when I told them the date I get paid. When I talk to them they disrespect me with things like pay your bills even when I explained I got XXXX they didnt want to help me, then I lost my job they didnt want to help me. A Supervisor took the call because I was due for two months and they didnt want to take more than just a regular payment until I had all two months of mortgage, they are rude and I dont even want to answer the phone because they call to argue or downgrade me, I told them if they didnt take the payment i was going to file a complaint against them. I told them the next payment I will make it on the XX/XX/26 and they called me twice today that I had agreed to make payment today. When I asked for a supervisor name they denied giving it instead I was told to pay my bills
09/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 463XX
Web Servicemember
We recently refinanced with an alternate mortgage lender as of XX/XX/2020. The previous mortgage holder is keeping our escrow for confusing and unanswered reasons. We have heard several different stories as to why they are keeping the balance of our escrow which Is in the amount of {$1400.00} at the time of closing settlement. We entrusted 21st mortgage to manage our account for mortgage insurance and taxes which our new provider has taken over and paid in advance. We believe the person managing our case has been dishonest the entire process. 21st mortgage can not be trusted to manage escrow accounts accurately. The escrow account is funds we pay beyond principle and interest to ensure insurance premium and taxes are paid. If no payments are due then the balance should be refunded to the owner of the account.
02/24/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 75803
Web
I call in every month to make a payment and every time I am immediately asked when I plan on making the next payment. I am a single mom, living payday to payday, and recently I have been off work with an injury. I do not enjoy having someone on the other end telling me to beg and borrow money to make sure the payment is on time. I am always told to sell my furniture, borrow from family, put off other bills, and made to feel like a 2 year old when I 'm spoken too. I hold an XXXX but due to age, XXXX, and living location, I am not in a position to benefit from it. I know this is part of their training because in the 10 years I have been paying, every month I talk to someone different and they all have the same negative attitude. It would be so nice if they would say " Thank you for making a payment ''!!!!
06/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77090
Web
RE : 21st Mortgage Co..denying forbearance request!! I have been requesting a 90 day forbearance/extension based on the CARES ACT and 21st mortgage has consistently denied it. I started started the request in XXXX when I used my last of savings and they told me i had to be behind in my payments in order to obtain the forbearance. So in XXXX, now that my payment is late they are still saying they aren't giving relief and arent apart of the CARES ACT and I need to bring the mortgage current or they will foreclose if it gets behind by a total of three months. XXXX!!! I filled out loss mitigation paperwork, as requested, but still they deny. Other friends simply called their mortgage companies and got immediate approval for 90 day forbearance and was offered an additional extension. What do i do?????
02/04/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 346XX
Web
My Name is XXXX XXXX and I have mortgage through 21st Century Mortgage Corporation I have pulled up records back from 2004 when I took out the Note and it 's a balloon note with a 2nd mortgage that I was not even aware of. I found this from a friend who check the court records. This is a Manufactured home and I have tried many times to contact this company for help with my mortgage payments I am now on XXXX and I have no other income. I have applied for XXXX and they both could not help me. I do not have anywhere to go I will homeless and to top it all off i am only 35 days late on my payments. Their customer has been harassing me daily. I am trying to work with them but they refuse to help me get to a lower payment. Please help me get them to look at my income and get me to a payment I can afford.
09/11/2015 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • MI
  • 48111
Web
We are trying to sell our trailer that is in XXXX XXXX homes which is part of XXXX community. We have XXXX buyers interested in purchasing our home however when going through 21st Mortgage Company they required a {$20000.00} down payment however, they went and applied through the XXXX XXXX community and was approved on the spot with less money down on a new home and used home. We have been trying to sell our home since XXXX on our own thru a realtor and XXXX XXXX wants 10 % in order for us to sell our home thru them which is completely unfair because getting outside financing for anyone almost seems impossible. These XXXX companies are making it extremely difficult for us to sell our trailer on our own and we almost feel forced to sell thru XXXX XXXX or we wo n't be able to sell it at all.
09/16/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • FL
  • XXXXX
Web
I closed on the sale of my home on XX/XX/XXXX. I have not received my funds from the sale because XXXX XXXX XXXX is refusing to release the Lien and Title until XX/XX/XXXX. I spoke with XXXX XXXX on XX/XX/XXXX and was told that they had received the payoff check on same date. As per conversation with them on XX/XX/XXXX and XX/XX/XXXX. The Realtor has her commission. The purchaser has her house. 21st Mortgage Corp has the entire payoff for the house. And I have no home, no money and am on the verge of being homeless effective XX/XX/XXXX. There appears to be something very wrong with this picture. I NEED HELP NOW before I resort to having to live on the street. I am being placed in this situation because 21st Mortgage Corp is holding the Title and Lien for my home hostage until XX/XX/XXXX.
07/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AR
  • 729XX
Web Older American
The amount due on the loan for XX/XX/2018 was {$480.00}. I had requested at an earlier date that any overage be applied to the principal. I sent in a payment of {$1300.00}. The amount they applied to escrow was {$140.00}. The amount applied to the principal was {$780.00}. The amount applied to interest was {$420.00}. My interest rate is 8.24 %. The amount that should have been applied to interest was {$210.00}. The excuse they used for charging so much interest was they thought I was making two payments. I did call and they said that they would resolve the issue but my concern is that if this is a common practice other people might not catch this and end up paying more interest than they had agreed to. The company 's name is 21st Mortgage Corp. NMLS # XXXX, XXXX XXXX XXXX XXXX TN. XXXX.
01/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92057
Web
Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX did not respond so it's not my account all credit inquires should of been removed. This was in XX/XX/XXXX they still haven't removed all of my hard inquires and I sent them all th information
10/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 806XX
Web
On XX/XX/XXXX18 we called in for a payoff amount. We were given an amount of {$2000.00}. We electronically made that payment. At the time of the inquiry we asked when can we expect to receive the escrow money and lien releases. We were not told at the time that the escrow money was included in the pay off amount. We received the lien release and a check of {$2.00}. We called in today to inquire once again about the escrow balance of {$870.00} We were told it was included in the payoff amount. We have paid off other mortgage 's in the past and never has the escrow been included in the payoff amount. It is a separate account and should be explained up front that the escrow is part of the payoff. We feel this is shady at best and may need to be investigated by the proper authorities.
04/05/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32822
Web
I received a Notice of Intent to Cancel from my Homeowners Insurance Company, XXXX XXXX XXXX XXXX of Florida, dated XXXX/XXXX/15. It stated that the premium in the amount of {$730.00} is due by XXXX/XXXX/15. My original mortgage was with XXXX, XXXX, XXXX, XXXX, AL XXXX. My loan was transferred to 21st Mortgage Corp., XXXX, TN XXXX, effective XXXX/XXXX/15. I have continuously made my mortgage payment which included my escrow payment. Obviously, 21 Mortgage have not been making the escrow payments. I have not received an Escrow Statement either. Also my fixed rate Mortgage was increased by 21 Mortgage from {$810.00} to {$810.00} with no explanation, effective XXXX 2015. I do not understand what this company is doing or why. Could you please advise me how to handle this situation.
10/29/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 780XX
Web Older American
Company call several times a day passed the loan due date even when I have updated them on when I will be sending payment. I am not 30days or more late. They call in a very harassing manner, very poor customer service. I have gotten into several verbal disputes with them because different people call and no one seems to be updating their notes if any. I am in poor health and this has added too much stress, I am recently recovering from a XXXX XXXX and explained that to them, along with when I would be sending payment. And the harassing calls continue. I would prefer them not to call and to send correspondence thru mail or email. Even when my daughter called on my behalf to complain the manager was very rude to her. This company needs to work on its customer service skills.
07/13/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32221
Web
My loan was assumed by XXXX in XX/XX/2023, it was in the rears at that time. I was already pre approved for assistance at that time with the previous servicer just pending paperwork. I turned in all documentation requested and thought everything was fine. Then I started receiving letters, calls, and emails, the representatives were so rude and nasty to me. I was told that if I couldn't afford the home I should get out, don't worry we'll foreclose and you won't have a mortgage to be troubled with, I was even told that they didn't have loss mitigation assistance but they did they wouldn't offer it to me. Just today XXXX XXXX I was told its not their fault I'm broke, I've been living here for free, the collections manager said he's paid by the hour and his rent isn't behide.
07/31/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • SC
  • 290XX
Web
My mortgage is due on the XXXX of every month and after the XXXX if its not paid I get a phone call, text, voicemail, and email multiple times EVERY day until its paid. Its very annoying and I would like for it to stop.In almost 8 years that Ive had the home I went to 31 days once. Im LATE every month, but not Behind. The financial counselor that has my account is very rude! I have asked him to stop calling and sending me emails every day. I used to get 3 voicemails per day until I deleted my voicemail account. I get emails with personal info in it ( account #, and payment amount ). The behavior is unacceptable for being late! I pay late fees every month. I didnt move the house ; its just LATE!! I get threatened that they cant continue with my loan for being LATE!!
04/28/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 160XX
Web
My mortgage was given to 21st Mortgage Company, which is a loan servicing agency. My loan went into default and I went through the Court system and Housing Agency to save from foreclosure. I have not received any monthly mort gage statements from this company since XXXX XXXX . They change my interest rates ever time I speak to them. T he Housing Authority faxed them letters from me 1. Requesting permission for them to speak on my behalf an d 2. Re questing monthly mortgage statements to begin again. That was on XXXX XXXX , XXXX . As of now, no statements received. Their story, as well as people, change ever time I call them. Now I do n't know how much my mortgage payment truly is and where payments have been allocated. I need assistance with this matter.
07/08/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • AZ
  • XXXXX
Web Servicemember
I was told that my percentage rate was 5.3 % with 21st Mortgage Corp . ..When I went to Re-Fi with XXXX XXXX XXXX XXXX , they told XXXX XXXX that my mortgage was only 4.0 % ..Not once but twice. Because the first time I was locked into XXXX XXXX for 2.5 % but the guy doing my loan blew me off. So when I get the new deal from XXXX XXXX, it's now at 3.125 %. They waited till interest rates shot up again and I was convinced ... .If my rate is truly at 4.0 % it would be a waste of time and money to Re-Fi on 1 % difference .Why are they charging me 5.3 %.? Is it LEGAL to LIE to another financial institution, to convince me that it's not worth it to KEEP me paying that EXTRA 1.3 %? Because Thats what It came down too. Interest rates went up again and I'm Stuck.
12/21/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 754XX
Web
My mom bought this mobile home we stay in around XXXX of XXXX payed XXXX down. The house she ordered was in process of being built, for what ever reason they brought out the present home where in now with the cheapest everything saying the house she want would cost more after buying. This present home we are in had embalming fluid warnings, my mom had XXXX and died from XXXX XX/XX/XXXX. The company XXXX XXXXXXXX XXXX, Tx and XXXX XXXX XXXX, Tx and 21st Mortgage out of XXXX, TN. XXXX called me nearly every day for 3 months about house payments and offered me XXXX to just walk away from the loan my mom had. This house wasn't even anchored down right failing inspection. I feel like they're responsible for my mom 's death knowing her XXXX with embalming crud.
06/02/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 71107
Web Older American
I usually pay my loan payment early, but I lost {$350.00} dollars income because of the pandemic. I called 21st Mortgage to ask them to work with me, they would not. So I finally got the money together and I paid my loan payment on the actual due date. They charged me {$290.00} finance charge because I did not make a payment in XXXX. But I paid my XXXX payment in XXXX and my next payment was not due until XX/XX/XXXX. I did not miss any payment and was not late making my payment. They said it was because I did not actually make a payment in the month of XXXX. Can they legally do that? I only found out because it caused my credit score to go down and got a notification. Is there any way they can be made to remove that finance charge. That is not fair.
08/03/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • ME
  • 048XX
Web
My mortgage company is 21st XXXX, due to XXXX XXXX im XXXX behind, this amount is not consecutive, I made payments as I could and missed payments here and there. I have attempted to contact my loan officer XXXX XXXX, and forclosure specialist and counselor XXXX XXXX over 30 times, submitting care act request for forbodance and modification of loan, i my interest rate is 10.49 percent, I want to refinance and get it around 8 percent. Out of all the calls and emails I have received no response, I hired a lawyer he is also unable to contact anyone at 21st XXXX. I have a lot of equity in my home, 52 % and I feel 21st wants to force a forclosure. They will not responded to care act and have sent me no paperwork regarding my mortgage, I have no options
03/18/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 313XX
Web
21 mortgage discriminated against XXXX XXXX & XXXX XXXX XXXX XXXX via delaying payments from XX/XX/XXXX to XX/XX/XXXX. The company representatives XXXX XXXX refused to provide important documents via email & letters until when Attorney XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX Telephone ( XXXX ) XXXX ext XXXX of 21 St Mortgage Company provided total XXXX Dated XX/XX/XXXX. The refused to accept payments to increase company profits. The physical address is XXXX XXXX XXXX XXXX, XXXX GA XXXX. For six month 21 mortgage utilizing numerous schemes to increase profits. The home is not foreclosure. However, the company refused provide important information until Attorney XXXX XXXX XXXX Office to discuss why refused to accept mortgage payments.
01/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
  • 710XX
Web
As of summer of XXXX, 21st Mortgage representatives began to verbally harass my wife and myself. They are very rude and disconcerning over the phone. I gave them specific instructions not to speak with my wife ever if they could not hold a civil conversation with her concerning our mortgage. After that, the mortgage company started to call me three times a day. Everyday. On XX/XX/XXXX, I was being verbally abused and bullied over the phone by not one but two representatives. Verbatim, one of those reps said '' I was unappreciative of the XXXX XXXX dollars they gave me for the mortgage! ". The abusive nature of this company has got to stop. We are not the only consumers going through this with this particular mortgage company.
09/06/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • 780XX
Web Servicemember
mortgage loan XXXX receive a call from my old employment that 21st mortgage was calling to verify employment I know longer work for the company because I was laid off due to no work. We have fallen behind but I currently started a new job on XX/XX/XXXX we will be caught up by the end of XX/XX/XXXX. Due to previous instances with this company they are to notify me via mail. My prior employment was concerned because they call to verify credit and employment. Why would they be verifying credit with my old employer. They have continue to call them that they reach out to me to ask this company to stop calling them. Once again why would a company reach out to an emploer on multiple occasions when they are to notify us vua mail.
08/24/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30152
Web
We received a notice in the mail stating our property is located in a flood zone and that we are required to purchase flood insurance, and that a flood insurance plan has already been purchased on our behalf by the mortgage company, and we are expected to pay them for it unless we replace it with another policy. According to XXXX, the state of Georgia, and the city in which we reside ( XXXX ) our property does not lie in a flood zone. We have reported this information to the mortgage company, and they have stated that according to their system our property does lie in a flood zone. We have already emailed them proof from the flood zone map on FEMAs website. We do not appreciate their attempt at insurance fraud.
10/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
Web
Every time we call 21st Mortgage they bully us. We made a house payment today but was still gon na be behind 1 payment. We recently had our vehicle break down ( had to pay XXXX $ out of pocket ) and we lost one of our fur babies very unexpectedly earlier this week ( another XXXX $ ) The supervisor we talked to said, he thinks we could be doing more and asked why my wife who is XXXX didnt work. No one should have to disclose that they are XXXX because of XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They also have called the community office attempting to collect private information about us. Asking them if we were current on the land rent. They are predatory debt collection practices and they need to stop.
06/29/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • IA
  • 50021
Web
I opened a mobile home mortgage with 21st mortgage. I make more the minimum payment every month but the overage is held in suspense instead of applying it to the Principal of my loan. I have to call in every month to have them apply the overage to the principal amount. Any overages should automatically be applied directly to my principal. 21st Mortgage suggested I mail in a payment instead of paying online and include a note to apply it to principal. Mailing a payment is less reliable and costs postage as well as time. The online payment is reliable and free. I also have not received a statement to-date and believe I should be receiving these monthly with a break down of my principal, interest, escrow and etc.
08/26/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • ID
  • 83202
Web
I was looking into getting a mortgage for a manufactured home. I was told that they were planning to run a " soft '' credit report and that it would not affect my credit score. I was looking for a preapproval only at this point. They ran multiple " hard '' credit reports and it dropped my credit score XXXX XXXX I reached out to the agent and he told me that he indicated that they would be pulling the hard report but this was never discussed. I specifically asked because I have worked very hard to bring my credit score up and never would have agreed to a hard check at that point as I know that it will drop your score. When discussing the issue with the agent he simply said that he " told me '' which is untrue.
03/21/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 47303
Web
I made my mortgage payment on XX/XX/2022, 8 days before the due date. The amount of {$370.00} was debited from my account. I was contacted by my mortgage company 21st Mortgage, a few days later stating they didnt receive my payment. I verified with my bank that the ACH was sent and received, and it was. I then contacted 21st to inform them my bank verified the transaction was successful, and they still deny it was received. They have failed to look for the payment, and properly apply it to my account. Im not sure if it got applied to another account, what happened on their end, but the payment was received. They have also changed the due date of my loan when they bought my loan, changing the original terms.
02/10/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CO
  • 816XX
Web
Currently I am in the process of going through insurance claim due to damages. Mortgage company is stating that i have to pay off complete amount due and other part of loan on fix amount, when its 13 year prior to being due. They have not sent me a new contract with them taking over the loan when they took it over and i called them wanting the new contract they sent me the old companies contract and said they followed it. They increased my mortgage and blamed it on my insurance company saying that what makes the amount go up or down. They stated that this doesn't come off with paying off early. This company files late charge before the month is due. Company 21st mortgage treats mortgages as debts not loans.
01/15/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 08234
Web
XXXX/XXXX/18 - My mortgage is with XXXX XXXX ( based in Tennessee ), and I called to make a payment arrangement. I am only 1 payment behind. The person that I was speaking to was extremely rude, and berating towards me. Comments such as " You are taking advantage of our kindness '', Comments about my integrity as a person, and threatening to take my home if I do n't make a payment in 4 hours. I attempted to explain my unforeseen circumstances, but I was constantly interrupted. I have been a customer for over 7 years, and I have been repeatedly spoken to in a degrading manner. I understand mortgage companies have a job, but to be berating me like a child is completely unacceptable. Thank you for you time.
08/21/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 90713
Web
I have asked for a monthly statement over the year only to be told many different reasons why I ca n't have one! I believe any would want to know where their money goes it seems it should be my right? they used to send them what happen? another thing that raises my eyebrow is this tax year I repeatedly asked for a XXXX only to be told I did not pay interest and that they would not provide one ... one last thing I have registered to log into my account but there is no information no payment history no balance nothing ... .another interesting thing is last year I applied for a car loan and told the officer that I have a home for the last 15 years he said it was no where yo be found in my credit history ...
08/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IN
  • 468XX
Web
I called 21st Mortgage today to ask for Foreberance as I have XXXX and so does my XXXX wife. I was told to even be considered for this inhave to have money up front even though it will help cover behind payments as well as on time payments. I have also been told a few months back that I was to pay my home payment even before a car payment or even my own wife 's meds. I'm also working with XXXX get hope and 21st mortgage said they can't wait 3 or 4 months for them to approve me and are very rude and try to strong-arm us. Today 's call I'd have to say was the most pleasant out of all my calls to them but they are very rude and go as far as telling us they don't have to let us stay in our home at anytime.
09/08/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • MI
  • 49009
Web
I applied for a loan with 21st mortgage and was approved for a 5 % down payment then they found out the house I was buying was being sold by a person through XXXX XXXX XXXX XXXX XXXX owned and changed it to 20 % down. They never communicated during the process and kept loosing the items I have sent them. My daughter got ill right after we moved in and I have set arrangements to pay the past due they where not flexible at all and now that we made the agreement they have decided to change the terms if the agreement and rather then catch up 1 past payment by the XXXX of this month now I must pay it all even though I made my XXXX draft over the phone with them as they requested. I never get the same answer
03/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OK
  • 73099
Web Servicemember
My husband and I applied for a mortgage for a manufactured home. We applied with 21Mortgage.com. This process is so flawed and discriminatory. With our income we far exceed the minimum. Our income is more than {$5500.00} a month. I got a call from who XXXX stated that it was because of our car payments, which are not very much. XXXX was very dismissive and rude and I feel that because we were white that is why we were denied. We meet and beat all of their requirement that are on their website. This is not a fair and equal process as stated by the FTC. They were looking for a reason not to be fair and equal under the law. I am attaching their decision and their one and only reason for denial in writing.
06/26/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 76548
Web
I have sent in the payoff for this account three times. I have followed all the banking laws under the CFR codes, the indentured trustee act and the bill of exchange act. 21st mortgage refuses to send the documents to the indentured trustee at the XXXX XXXX XXXX XXXX XXXX to process the security I have sent them. The cfr code XXXX states that once payment has been accepted it must be processed and the debt must be discharged. I have saved copies of all mailings and have all the tracking numbers to show they have been paid. Also I know the company has been paid for this loan already and is trying to charge me interest on a loan that they have already been paid for. The company is double dipping.
07/06/2023 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 284XX
Web
This credit was paid in full at XXXX XXXX was sold/securitized and is actively traded for profit/gain by this fraudulent company. The finance charge is the sum of all charges and still this company has forced insurance that I must pay monthly and that has paid them in full for this credit repeatedly. This pretend lending company will not send me a full accounting of the money they have made off my promissory note/loan of which I am a investor. Nor have I received any money off this mortgage backed security. I have requested a full accounting from this so called corporation of on and off ledger/accounting in writing. I have also asked for proof of actual funding of loan/cash receipts. I was denied.
03/25/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • AL
  • 365XX
Web
Due to a reduction in hours in both incomes from the COVID-19 outbreak control and temporary wage garnishment from a student loan ( now paid, just waiting on everyone to be notified ) we are late on our XXXX mortgage payment. I called 21st Mortgage to not apply a late fee, I will have a full payment by the first week of XXXX to send to them. They flat out refused to not apply the late fee if I do not make the full payment by Friday, XX/XX/2020. I'm not asking them to skip a payment or even a reduction in payments at this time. I'm asking them to not apply a late fee or report the issue to the Credit Bureau. I don't think that's asking for much. They were flat out refusing to work out the issue.
10/30/2017 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • CA
  • 92648
Web Servicemember
In XX/XX/XXXX my Heloc was transferred to 21st Mortgage Corp . I started making my payments to 21st Mortgage Corp by autopay as i was with the previous financial institution. I have never ever been late on any of my debt this includes my mortgages, car loans, credit cards, my credit is outstanding and always has been. OnXX/XX/XXXX 21st Mortgage withdrew my payment but did not post it because i was in the middle of a loan modification. They told me that my payments would not report late as long as i keep making my payments, which i did, never went late. I have asked 21st Mortgage Corp to make the correction, they said they would look into it and get back to me, i have yet to receive a response
09/05/2023 Yes
  • Mortgage
  • Manufactured home loan
  • Struggling to pay mortgage
  • Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
  • MI
  • 49444
Web
I am behind on my bills for the month of XXXX. I spoke with XXXX from 21st mortgage last week XX/XX/XXXX and told him I would try to have the amount by the XXXX of XXXX but I couldnt promise. I asked if it was possible to put this payment off or add it to the end of jt mortgage and he refused. He said that is not an option. It was due XX/XX/XXXX. He called me today and when I explained that my check wasnt enough, he proceeded to demand to know where I had spent my money. I start to explain to him about utilities, food, just the necessities that I have had to cut back on, and he proceeds to berate me for not having the money. THIS ONE TIME. I hung up on him because I was want getting anywhere.
10/01/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 320XX
Web
Currently owe {$360.00} from XXXX the XXXX payment of {$1000.00} was due on XX/XX/XXXX we have applied for the cares act through XXXX XXXX XXXX they have XXXX XXXX dollars to help people we have filled out all the applications and we are waiting. they said they will pay the mortgage company but it's the federal government and it takes time the mortgage company calls me three to five times a day and emails me every day I stopped answering the phone I told them if anything changes I will call them her name is XXXX XXXX from what I've read this is harassment and I sure would like it to stop she knows if I get money I will tell her the cares act pays directly to the mortgage company not to me
11/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MI
  • 480XX
Web
In XX/XX/2019, I called my mortgage company because I was starting to fall behind. They informed me that they could not offer me any options to help me. I asked them whether or not they had heard of XXXX XXXX Michigan ( my state 's hardest hits fund program ). They stated that they had not heard of this even though they are one of XXXX XXXX 's approved lending companies that they help with. They also told me that they frown upon me receiving outside help and it could hurt me in the future. Therefore, I was led to believe that a foreclosure was guaranteed and that because I had some late payments ( 10 days or less ) they were going to use that against me in the foreclosure process.
07/28/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32221
Web Servicemember
I bought a mobile home last year XXXX through XXXXXXXX XXXX XXXX, was sent a payment book that has the monthly payment is due on the XXXX and if paid after the XXXX have to pay XXXX dollar late fee .... No problem. XXXX of this year the bank went out of business, 21st. Mortgage bank bought the contract, the sent a new payment book with the same payment dates. Now XXXX months later there telling me they don't care what the payment book says I have to pay on XXXX or else .... I told them that I have other bills being out of my checking account during that time of the month..I haven't missed a payment yet. They don't care I have to pay on the XXXX. What can do? They keep hastling me
02/22/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 316XX
Web
Re-financed our mortgage- notified company we were re-financing, had already been approved and that we would not be making our XX/XX/XXXX payment. Long story short, our new bank sent in PAY OFF check and it was received on XXXX XXXX and so we were reported 30 days past due because our payment was not made by XX/XX/XXXX. We have been 30 days late maybe once or twice several years ago during the 10 years we had our mortgage with this company. I have begged and pleaded with them to take this off ( credit report shows account closed, but that our payment is 30-59 days past due ). This dropped our credit score 20 POINTS AND I KNOW THEY COULD REMOVE IT IF THEY WERE A DECENT COMPANY.
08/16/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • UT
  • 847XX
Web
21st mortgage has received a promissory note for payment. Company has also received a XXXX and a coupon paying of this loan. The company has refused to follow the laws pertaining to discharge under the indentured trustee act. This loan has been paid and refuses to update the account and keeps saying the payment isnt valid. 21st mortgage has violated 1693-1, ucc 3-603,18 usc 8, 12 usc 411, ucc 3-104 and 31 usc 3123. The company has engaged in fraud and has already been paid a minimum of twice for this loan. Company was paid immediately following the approved application of the loan through my ssn account and cqv account. Company refuses to acknowledge correspondence as valid.
12/24/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NM
  • 88030
Web Older American, Servicemember
21st. Mortgage has been sending my house payment back to me each month no matter how I make the payment. Then I get a letter letting me know there will be a XXXX dollar late fee. Upon calling them to try and set something up so my payment gets to them any way they want they tell me I have to make 6 payments myself before they can or WILL set any form of auto payments up. Basically I call them to find out why my payment was returned to me and they just cuss me outt telling me there was no payment made!! I tried going over the persons head to see what could be done but was told they did not care I HAVE MY credit union paperwork showing my payments were made and returned!
02/09/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • 773XX
Web
Multiple tender of payments were made on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX of XXXX, the account was brought current of {$7600.00}. I haven't heard from the company yet. Afterwards, 21st Mortgage filed a judgement against my property and no disclosure was made that they were going to unlawfully accelerate the contract. 21st Mortgage has violated me by mail fraud, knowingly filing foreclosure in civil court instead of Federal court, they have place derogatory marks on multiple credit bureaus ( and their privacy policy states they don't share nor sell individuals information ), they refuse to send the previously requested wet ink signed contract.
09/23/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 762XX
Web
We have been waiting for this company to get an appraisal on our land home package loan since mid XXXX so we can close. We have done everything we're able to do but because their vendors do not want to drive to the rural property, we are unable to move forward with closing. Our contract on the land is up XX/XX/2021 and we were just informed of their issue in finding an appraiser willing to drive on Monday XX/XX/XXXX. There is a very good chance we will not be able to close on this land home loan because of their vendors incompetence. We've already sold our prior home because they requested to see that loan paid in full. Now we're stuck without a home.
04/24/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92064
Web
Our mortgage payment was mailed in 9 days late. We received an extremely harassing telephone call from 21st Mortgage Company, threatening us with damaging our credit by reporting it late if we did not turn over our bank account information for immediate payment withdrawal, and telling us putting it in the mail was not acceptable. The person on the phone, when his information was requested, said his name was XXXX and he was our account manager, and refused to provide any other information. He repeatedly tried to bully me into providing my account information, and I finally cornered him into admitting the payment was not late yet. This is unacceptable.
12/01/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • NY
  • 11580
Web
I have been without a job for five months and I am trying to make ends meet, I have a counselor whom is trying to help me and the lender, 21st Mortgage, says that I can pay a lower amount for certain time but they keep sending me regular bills eventhought they are acepting the lower payment and I dont believe they are doing it in a good faith, my loan has gone thru problably more than XXXX servicers and there are a lot of things that are not right. They keep telling me that my loan can not be considered because I was in a 2008 bankrutpcy and I included the mortgage on it and I had a XXXX allready but, again, something wrong with this loan.
08/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MS
  • 39466
Web Older American, Servicemember
I requested a grace period for XXXX and XXXX due to losing my job during COVID. The mortgage company denied this because i had no job lined up in the future. Then I had several health issues which made me XXXX. The court found me XXXX as of XX/XX/2020. Instead of trying to help me out the mortgage company started charging me late fees. The man ( supposed to be a manager ) was rude and treated me badly. I would like to get a reduced payment. I am struggling to pay my bills. After paying everything out of SS benefits I am left with {$170.00} a month for gas and groceries. It is getting impossible. I have drained my savings down to {$5.00}.
10/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 922XX
Web Servicemember
Received the loan from 21st mortgage on XX/XX/2019. they advertise loans with 10 percent interest rate and terms upto 23 years. Our loan is for 10 and one half years and interest of 11.74. I believe they discriminate based on age, giving higher interest rates and shorter terms to older consumers. I contacted them with my complaint and they gave me a bogis answer that I never heard during our loan application process. At the time of our loan negotiation that excuse was never mentioned. My loan is for a small mobile home on rented land, we gave 10 percent down and ended up with a loan amount of {$45000.00} with payment of XXXX per month.
11/30/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • FL
  • 335XX
Web Older American
Buying a new modular home/ {$30000.00} down payment was paid months ago ( approx 6 months )! Financing in place with XXXX mortgage co. XXXX arrived to dealers lot early XXXX delivered to my property XXXX XXXX 2022! Now dealer wants money from mortgage co, dealer calls me to do phone interview w/mortgage co who wants to set up payment plan starting in 16 days... problem is the home has not had its final inspection from XXXX XXXX & no certificate of occupancy has been issued! Both sides are pressuring me to start paying for a home that can not be lived in!!!!!!!!!!! I am not going to make home payments on a home I can't live in .. HELP
01/11/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • XXXXX
Web
I made a payment to restore the mortgage for {$10000.00} as required based on the statement provided, however the monies were not applied to the outstanding balances also there was extra monies in an overage account that I instructed to be used for payment to the mortgage payment and it was not credited. I have tried for the last month to resolve and have been unsuccessful. New mysteries charges has been added to the account and I was told that no explanation or proof of charges had to be sent to me. This is very concerning as they are more than XXXX dollars. I would appreciate support and assistance in this matter. Thank you!
06/20/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 370XX
Web
I applied for a modification with my mortgage. I was told today that they closed the file today ( denied ) and they assessed a sale date for next week, XX/XX/2019. They closed my file and did not even give me a week before assessing a sale date. They also gave a reason for denial was that my home was a mobile home. It IS NOT a mobile home, it is manufactured on a permanent foundation and registered with the county as a Single Family Residence ( SFR ). This is NOT FAIR that they closed my file and assessed a sale date in less than 7 days on my property, not giving me any time to dispute or look for other options.
09/13/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • CO
  • 815XX
Web Older American
I purchased a manufactured home which is on a rented lot ( XXXX ). The only loan available at the time, I was told, was at 9 %. I was assured that I could refinance later at a lower rate. I have since tried several times to refinance with my lender and others. I have been told that, despite an excellent credit rating, I do not qualify for a new loan because I do n't own the land my house is on. This is unfair to seniors on a fixed income and hard working low income families. I do not see much difference between this and high interest predatory payday loans. XXXX and other programs are not helping these groups.
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 39180
Web
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
08/31/2023 Yes
  • Mortgage
  • Manufactured home loan
  • Applying for a mortgage or refinancing an existing mortgage
  • Application denials
  • TX
  • 79065
Web
I am working on buying a house from XXXX XXXX XXXX. They will only use 21st mortgage for their used homes. They said they do not deal with any other mortgage company. I applied with 21st and was denied because of a problem I had with them 20 years ago. I asked them if there was a way around that since this dealership will only deal with them and they stated that if they ever had a problem with you they will never do business with you again. This all took place this week. How long can a bank blacklist you from doing business when the information has been off of my credit report for at least 10 years?
10/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 199XX
Web
The mortgage company is XXXX XXXX XXXX the issue is that I told them so many times that I can not pay my mortgage on the first of each month because the way money comes in. I have a good credit and I was never late Ill pay my mortgage around the XXXX XXXX or XXXX of each month therefore Im not late because of the grace period time that is given to us until the XXXX. They had stopped for a while but now again I called them again and they said that they will not stop calling ... .I get calls every day after the first and on emails attached to the call ... I think this is an harassment. Thank You
08/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77845
Web
The mortgage account with 21st Mortgage was PAID IN FULL on XX/XX/2022. XXXX and/or 21st Mortgage continue to report FRAUDULENT information. 21st Mortgage continues to report an open account with a $ XXXX balance and 90 days late. XXXX REFUSES to confirm the correct information. XXXX has gathered the current information and updated its records accordingly. PLEASE ENSURE THAT XXXX and 21ST MORTGAGE do the same!!! XXXX is behaving negligently in that they are not confirming correct updated information. A copy of the PAID IN FULL document received from 21st Mortgage has previously been provided.
08/19/2016 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • WI
  • 544XX
Web
When I applied for a loan with 21st Mortgage, the loan officer advised me that I needed to apply a different way and told me to do another app. Later I found that they ran a hard credit inquiry twice, one day after the other rather than referring to the first one. These hard inquiries are still affecting my credit score so I asked them to make a correction on my credit file and remove one. They were uncooperative and said I should have talked to the loan officer. The loan officer is exactly the person that told me to do this and caused the problem in the first place! Can you help please?
07/21/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27616
Web
21st mortgage purchased my home loan. When they first contacted me they were harassing me for payments that were not due to them but my previous mortgage holder. I was told to learn how to pay my bills, after completely hostile phone calls and inappropriate behaviors from 21st mortgage I have blocked these calls due to feeling threatened into having my home taken for being XXXX day late. I am currently just XXXX days late I have been locked out of my account until I speak with the account manager. I do not feel safe speaking with these people I just want to pay my mortgage as due.
12/11/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 313XX
Web Servicemember
I loss time at work from my XXXX XXXX while waiting to get accepted to have XXXX to help with my condition then after XXXX i didnt receive any income while recovering im now back to work iv called and tried to make arrangements they refused to accept the offer and said it needs to be paid in full now this company has been very hard to work with and when you call to work with them they are always very nasty and ruthless im not planning on going anywhere and need to keep my home would not like to be another veteran homeless when im able to get things caught up please advise.
11/14/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 331XX
Web
THE LAW FIRM REPRESENTING THE COMPANY JUST FILED A COMPLAINT TO FORECLOSE USING A FORGED PROMISSORY NOTE. THEY KNEW IT WAS A FORGERY BEFORE THEY PURCHASED THE NOTE AND MORTGAGE. THEY PREVIOUSLY DISMISSED THE PRIOR FORECLOSURE BECAUSE THE NOTE WAS A FORGED DOCUMENT AND THEY KNEW IT SO THEY SETTLED. NOW, THEIR LAWFIRM, KNOWING THE NOTE WAS A FORGERY, FILED A COPY OF IT WITH THE COURT AND SAID IT WAS A TRUE AND CORRECT COPY OF THE ORIGINAL, KNOWING IT WAS A FALSE STATEMENT OF FACT, AND THEY SWORE TO THAT UNDER PENALTY OF PERJURY AS THE COMPLAINT WAS A VERIFIED COMPLAINT.
02/19/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MN
  • XXXXX
Web
I signed a contract with 21St Mortgage Corporation on XXXX XXXX, for a Mortgage loan of {$63000.00}, at 7.25 % of interest rate, and to be paid in XXXX monthly installments. I paid off this mortgage on XXXX/XXXX/XXXX. After checking my payments I noticed that the interest I have being paying is 8.02, a difference of 0.77 %. I called 21St Century on XXXX/XXXX/XXXX, and they told me that the interest I have being charged is OK., everything is under the contract, and not refund should be done. I know that 's not right, and that a refund must be done to my favor.
03/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 813XX
Web Servicemember
I have been trying to get my house affixed to the land and am willing to sign papers where the land is part of the house. I spoke various times to the company without resolve. I am also trying to get a VA Loan since I am a XXXX Veteran but still no progress with company. I gave the new loan company the information and authorization to get the information of the current loan and the current company still declined to give them information. As a XXXX Veteran I am trying to get my due rights of a VA Loan but the existing loan company is blocking all attempts.
05/13/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 92583
Web Older American
21st mortgage is not accepting all the proper documentation for minor dependent XXXX. I am the XXXX parent the minors are both XXXX. The denial for the loan was based on the girls were already XXXX because they are XXXX years and XXXX months. The federal Lending law and Social Security say the girls have to be XXXX and they get it until theyre XXXX or it will extend to XXXX if they are still in school full-time. They are also stating that The minor dependents are on XXXX. And I keep telling them theyre on XXXX but they do not understand the difference.
09/29/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70607
Web Servicemember
The home that i purchased in 2015 was just recently deemed unlivable by an insurance adjuster due to Hurricane Laura that hit Louisiana coast. My home like many other 's was destroyed now i am getting calls from 21st mortgage company inc. wanting me to hound the insurance for money to pay off the home and even make payments on the home that is no longer. They are wanting payments and they demanding i call the insurance company demanding payment. I can't make the insurance company complete anything faster than they are already are.
09/30/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • CA
  • 90713
Web
I filed a complaint and got nothing but double talk to confirm my feelings I called the XXXX XXXX XXXX and yes the resentative said the response made no sense ... they said I would start receiving monthly in XXXX I have not ... they did not answer my question in regards to why they are not reporting to the credit brue ... now they are making suggestion that I short sale my home I am 1 and a half months behind and am confident I will be able to catch up and the fact is I have substantial equity and do not qualify for a short sale.
05/04/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • LA
  • 71303
Web
I applied for a Mobile Home Mortgage with 21st Mortgage XXXXXXXX XXXX. I applied for an estimated amount of XXXX. I met all of the requirements that the website advertised along with proper Credit score, and income.. I dont believe that my application was viewed properly because I was denied within minutes after meeting all of the requirements. I also re-applied and was denied immediately ..I called the company for an explanation but they told me i would be receiving a letter. I have not received a letter from 21st Mortgage.
06/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 38114
Web Older American
First of all this mortgage note is non and avoid incorrect property description when me and my wife bought the house it said XXXX feet lot XXXX the correct lot no is lot XXXX. This mortgage company has comm it tted fraud several times robotic signing forgery on XX/XX/2012 inserting deed of trust.21st Morfgage has refuse to give any modification. Several errors in mortgage errors and omission and Myers as well. They dont have original note note has been sold several times. They have sent a fake note without the real wet ink
10/09/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 755XX
Web Servicemember
I have fallen behind on my Mortgage twice in the past year, I was allowed to catch it up with Bi-weekly payments earlier this year. I fell behind again and attempted to do it again and have been refused to submit bi-weekly partial payments this time. I asked for a deferment and was told they do it, but do n't like to. I asked about it again today and they by-passed the question and told me, I had no option other that a full payment.. this was told to me by XXXX a supervisor with 21st Mortgage. at XXXX XXXX XXXX/XXXX/15
08/11/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • AL
  • XXXXX
Web Servicemember
On XXXX 21st Mortgage called me and I basically told them my situation and they wasn't trying to hear it so they gave me till XX/XX/XXXX, to come up with the money to pay. And they know I'm on a fixed income. The mobile home is in my husband name and he passed away in XXXX but I was staying with him so I been paying each month but sometimes I run into hard times but not often. This company when they call people they don't know how to talk to others on the phone it makes you wonder. They are very unprofessional.
04/05/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 79109
Web
I have a debt with 21st Mortgage Corporation that is a voluntary repossession. It was for a mobile home but was never connected to any type of land. I do agree that it should be a voluntary repossession but it should not be coded as a mortgage account, rather as an installment account. Since it is coded as a mortgage account it is showing up as a foreclosure on my credit report. It is incorrect and a FCRA violation. It is also showing up as mortgage late payments, but shouldn't since it was never a mortgage.
05/07/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CO
  • 80528
Web
I have been affected by COVID19 21st mortgage will not waive late fees or deferr payments. They are invasive, abusive, rude and judgemental. Its impossible to even speak with them because they ask questions outside the realm of COVID19 This is under the Estate of XXXX XXXX XXXX not my personal mortgage. I paid XXXX and XXXX payments when I received my retroactive unemployment my job is affected and I have other bills to pay. Under the CARES Act they are supposed to defer for the estate and they refuse.
09/21/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NH
  • 032XX
Web
I have recently fallen behind on my mortgage. I have made small payments in an attempt to catch up. My mortgage servicer which is 21st mortgage has at out refused to do anything or work with me. In fact anytime I call them all.they do is insult me. The insulted my XXXX husband saying he made poor choices in life by becoming XXXX. They also told me I was wrong for laying my electricity over them when my husband has a medical need for electricity. I have never been talked down to in a manner like this before
01/02/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92064
Web
We have a mortgage loan with 21st Mortgage that includes impounds for taxes and insurance. We received notification today ( XXXX XXXX, 2016 ) from XXXX XXXX that 21st Mortgage failed to make the insurance premium payment, and that it is due in full ( {$620.00} ) on XXXX XXXX, 2016. They stated they sent the policy renewal bill to 21st Mortgage 45 days ago, but have not received any response. I attempted to call 21st Mortgage, but they do not have any representatives available on weekends.
09/03/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MI
  • 49037
Web
I am applying to purchase a single 2 bedroom mobile home and they denied me inspite of never defaulting on any past loans. Then they said I could possibly get approval if I am willing to put 20 percent down payment. Twenty percent of XXXX XXXX is XXXX. I offered XXXX since XXXX is a small loan. The company is 21st Mortgage out of XXXX XXXX, Tx. I could not find an address in XXXX XXXX Texas, so I XXXX the company and found a Tennessee address. The denial letter was from a XXXX XXXX.
04/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 321XX
Web Older American, Servicemember
We applied for a mortgage with 21st. mortgage and they would only give us a term on 18 years. And when I asked why, the man said because of your husbands age. He is XXXX years old. I work at a XXXX and we have compliance training every year and to me that is age discrimination. I have heard from our builder that they have had this trouble with them before. I just think someone should hear about this. When I asked the man to put that statement in writing he stopped talking to me.
02/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 304XX
Web Servicemember
21 mortgage is our loan company my daughter my husband and myself are on the loan. My husband passed in XXXX and I requested a loan modification and I was told they do not do loan modification we were given a loss mitigation for one payment XXXX $ and then loan went back up to XXXX a month I spoke with other lenders to refinance and they told me about the law that requires loan companies to do a loan modification when there is a loss of one party on the loan. I just need help.
10/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 320XX
Web
I contacted my mortgage loan servicer, 21ST MORTGAGE, to request a courtesy reversal of the late payment reporting in XXXX as I suffered from a XXXX in late XXXX that kept me out of work for almost three weeks, which is why my car note was late in XXXX. After suffering this loss, I expected the company to have some kind of compassion in regards to the American disability act, seeing that XXXX is considered a temporary XXXX. I can provide documentation if necessary.
10/19/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 90807
Web
21st Mortgage bought our mortgage from XXXX. 21st Mortgage has created an overage account without my consent. I pay {$1000.00}, the payment is {$530.00}, but I pay an additional {$460.00} to be allocated to the principal amt. This is how it was done with XXXX. Instead of placing the XXXX in principal amt, 21st mortgage has created an overage acct. Also, 21st mortgage does not send me a monthly stmt with the new balance, nor am I able to obtain the balance online.
07/16/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 32068
Web
Inaccurate closing documentation was signed at closing. They set our loan up knowing we could n't afford the payments. We were told to just make the payments for 2 years and then refinance the loan to where we could afford it. After many complaints to them they have yet to resolve setup and delivery issues. We had to hire an attorney to help get this fixed. We tried to get them to modify our loan to make it more affordable and they refused.
04/22/2016 Yes
  • Mortgage
  • Other mortgage
  • Settlement process and costs
  • TX
  • 762XX
Web
I sumbmited a complaint on 21 st mortgage THERE RESPONSE WAS THAT WE SINGED THE CONTRACT. THE CONTRACT SIGNED WAS FORGED BY XXXX XXXX IT WAS A FORGERY!!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ACCOUNT NUMBER XXXX PURCHASE XXXX 2010 WE DID NOT SIGN ALL OF THIS CONTRACT I HAVE THE PAPERS SHOWING A FORGED SIGNATUREW OF MY NAME!!!!! PLEASE RE CONTACT THE M THEY NEED TO SETTLE THIS COMPLAINT WE WANT SOMEONE TO CALL US!!!!!!!!!!!
11/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OK
  • 73119
Web
In accordance with the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
09/11/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AZ
  • 85345
Web
This mortgage company is discriminating based on a number of factors. The company first approved a loan, then do to its religious preferences denied the loan. The incident has occurred in Arizona. The company, 21st Mortgage, is headquartered in Tennessee. Given the geography, the incidents are not isolated at the present time, whereas 21st Mortgage and others perceive themselves as being protected against any formal proceeding.
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • VA
  • 22193
Web Servicemember
XXXX XXXX and 21st Mortgage submitted a Hard Inquiry after canceling the morgage quote because lender would not approve morgage on these types of properties explicetly. and the lender refused to lend in the area requested by choice not by technicallity. Other lenders did not require hard inquiries to offer lending quotes and where able to complete the application process for loan approvals based on soft inquiries alone.
12/06/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • AZ
  • 85345
Web
It took three months to close on this mortgage. After illegally demanding additional documents, the XXXX XXXX in charge of this company then demanded copies of personal drivers licenses. The company 21st Mortgage is headquartered in Tennessee, where such activity seems to be fairly common. After three months of complete negligence, XXXX harassment and incompetence, the final check was then made out to the wrong entity.
05/29/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AL
  • 350XX
Web
They set me up on a repayment plan but due to everything that's going on and me just having XXXX im not able to make the payment I told her before the date that I get paid on the XXXX but her response was ( that's not our problem the repayment plan is a very sensitive matter and can't be stretched out to the XXXX ) When I clearly told her I can't pay till the XXXX. I even emailed there Lawyer and told him/her.
10/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 721XX
Web
21st mortgage is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed XXXX and XXXX are the ones that are missing correct reports this needs to be fixed asap. And reflect on my report
02/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 775XX
Web
Ive not worked since XXXX of 2020, my mortgage company attempted to defer payments, however, I was not receiving unemployment, so I had no income to pay the taxes and service fees to defer payments. They are now threatening to foreclose on me. I am still unemployed, looking for work, and receiving unemployment. I am doing my best to get caught up, but they arent working with me any longer.
07/15/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MI
  • 49548
Web
I sent payment to the company and they sent it back I am on fixed income and they know it because I paying double and and because of that I am behind on my lot rent I pay {$600.00} every month Which is being sent to my lawyer and they refuse to cut me some slack all they do is yell and say bad things to me on my phone They are constantly threatening me and harassing me if I dont pay them
08/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OK
  • XXXXX
Web
Payments I have made and have the correct dates. This company not given me credit for some, They also, have sent me letters and charged me for being late at least 30 days when I was not. They do not reflect the dates when the payment is made due to a indept accounting statement. I have kept receipts and the employees change too often. Their time is Eastern and mine is Central Standard.
05/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 754XX
Web
I have lodged disputes with 21st Mortgage, XXXX XXXX XXXX and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
10/22/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OK
  • 73099
Web Older American
I applied with 21st mortgage for a loan on a repossessed doublewide mobile home. They are demanding 20 % down because I am XXXX years old. 21st 's mortgage underwriter named XXXX told XXXX XXXX at XXXX XXXX XXXX XXXX that it was because of my age. XXXX XXXX XXXX XXXX says that they have got other people with my qualifications a loan through 21st with 10 % down with no problem.
09/25/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 76049
Web
The house shows a volunteer repo i never agreed or received anything that the home was being foreclosed. I had a buyer at the time went to look at the home and had locks on the doors. Wired the full pay off balance from my back account and still shows a repo on my credit report when it should be a paid account. I am attaching files of where the money was paid by me.
07/27/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • CA
  • XXXXX
Web
I CURRENTLY HAVE A 2ND MORTGAGE WITH 21 CENTRURY. I AM TRYING TO REFINANCE MY LOAN AND WHEN THE PAYOFF WAS REQUESTED THEY INCLUDED AN ADDITIONAL {$7000.00} OF ACCRUED INTEREST WHICH IS UNETHICAL AND UNFAIR. NEVER HAVE MY MORTGAGE STATEMENTS REFLECTED THIS ACCRUED INTEREST IN MY MORTGAGE STATEMENT. I HAVE INCLUDED THE PAY OFF THAT I RECEIVED FROM 21ST MORTGAGE.
12/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • TX
  • 789XX
Web
I have a loan with 21st mortgage that began XX/XX/20. I have discovered that I am not on my property. I was put on the wrong property including all my utilities. I have continued to pay the mortgage but there has been zero progress. 21st said they are not involved and cant do anything about it. They are telling me I have to handle this alone.
12/21/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • AZ
  • 85345
Web
Funds were first delayed and then not transferred to the company on a purchase of a foreclosed home that I had agreed to buy and was in the process of buying. At the banks discretion, the home was then instead suddenly sold for a substantially lower amount through the use of a 21st Mortgage broker from the local XXXX, AZ area.
08/05/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 19120
Web
I am in process of short sale of my property in XXXX PA, first mortgage is ready to accept the offered price but second mortgage is not accepting the amount authorized to them by HUD/FHA rules and need more or send the property to foreclosure. Second mortgage is being unlawful hurdle in the process, what are my options.
03/01/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 334XX
Web
Mortgage company refused to provide any kind of payment arrangements, provided them with a copy of a sale contract and still continued with the foreclosure sale. Foreclosure sale was scheduled for XX/XX/18 at XXXX yet the Certificate of Sale was time stamped with XX/XX/18 at XXXX before the sale took place.
02/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32714
Web
I checked my credit and saw an account from 21st mortgage. I do not own a home nor do I have a mortgage. If there is documentation with signature on it, please release that information to me so i can take it to the police. I am not a homeowner and my name shouldn't be associated with any mortgages.
11/09/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • OK
  • 730XX
Web
I have asked 21st Century Mortgage twice to stop calling my place of employment. I 'm not even 30 days late on my mortgage. They know I pay the second Wednesday of every month. Today XXXX/XXXX/16 is the second Wednesday and they called my place of employment. They have been told twice to stop calling.
01/05/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32405
Web
I have a mortgage with 21st Mortgage. My payments are {$690.00} a month. It is considered late on the XXXX of the month. I am past due for XX/XX/XXXX and owe for this month XX/XX/XXXX. I tried to make XXXX payment on XX/XX/XXXX of {$690.00} they are refusing my payment. They are very XXXX and rude.
04/09/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 313XX
Web
On XX/XX/2018 21st Mortgage provide illegal mortgage for Estate Sale " XXXX XXXX '' estate of XXXX, GA. My mother informed lower court XXXX XXXX, Attorney XXXX & other parties that was wrong of XXXX XXXX. The Magistrate sold 10 arces of prime real estate. The underwriter perform illegal estate.
09/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 313XX
Web
21st Mortgage Co. & XXXX XXXX did not pay last two claims & lied about get out owner 's ownership insurance contract. We fortunately got history of deception especially XXXX XXXX and just recent XXXX today. Contact XXXX XXXX XXXX XXXX. Have photos of numerous problems that were not addressed.
06/12/2015 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78840
Web
After we made arrangements they still call everyday and week and keep calling till we answer! They call my house then my cell phone right after then I get a email also then text messages and voicemails! I do n't know what to do I 'm so stressed and we are only XXXX payment behind! Please help!
04/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 490XX
Web Servicemember
in 2017, goin thru a divorce, divorce decree signed by judge stated that ex spose was to sell house or refinance within a year and hold me harmless, that didnt happen, forclosure se sent it to,,, i cant get help getting it off my report.. its her responsibilty and action for this mess ...
05/09/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • IA
  • 50021
Web
21st Mortgage, as part of my agreements with them, is to pay my homeowner 's insurance and property taxes every year. They escrow for this but twice they have failed to pay all of my property taxes and this year they failed to pay my homeowner 's insurance and caused it to lapse.
10/12/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • 779XX
Web
I bought a mobile home but my mobile home is not complete due to whats going on with the hurricane and the COVID-19 ... so I called that I wasnt going to be able to make my payment cause I had to quarantine ... and they said that they couldnt help me cause its a mobile home ..
05/04/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • MI
  • 49221
Web
I have asked what can be done and if I can get a deferment which is so I can have more time to pay the mortgage and they declined. I am unemployed due to COVID19 and I am waiting for court because I am getting divorced so I'm not sure the house will even end up being mine.
06/06/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32327
Web
By phone and in writing I requested a copy of my signed original mortgage information because I do not believe the rate or terms are correct. Both times they replied with information generated from their system, not the information that I asked them for.
03/03/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • FL
  • 320XX
Web
i have requested tax documents from company several times per my request they state it will be sent and todays date is XXXX/XXXX/16 and this information is still not available to me. Thus I am unable to filetax return adn deadline is fast approaching.
11/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • CA
  • 90275
Web
The mortgage company charged thousands more at closing than should have been charged and never fixed it or offered refund. Even escrow company questions why they changed the balance amount by more than 10k than what we owed. We want our money back.
01/31/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 764XX
Web
A QWR was sent to the lender on XXXX/XXXX/16 - To date we have yet to receive a response to our inquiry. The lender has also failed to provide all early intervention options to the client prior to setting a sale date for the FC processes.
09/28/2023 Yes
  • Mortgage
  • Manufactured home loan
  • Trouble during payment process
  • Payment process
  • CA
  • 92562
Web Servicemember
XX/XX/XXXX harassing phone calls/voicemail to collect a debt that is not my debt XX/XX/XXXX harassing phone calls/voicemail for a debt that I am not responsible for. Company is using my name in their communication to collect this debt.
06/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NM
  • 87031
Web
Creditor is harassing me regarding payment. I lost my job and tried to make arrangements, they refused even though I communicated that I was unable to make a full payment. The last phone call ended with the XXXX hanging up on me.
08/06/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • PA
  • 173XX
Web
XXXX, or whomever actually controls our mortgage ( XXXX 2012 XXXX? ) transferred our mortgage to 21st Mortgage to avoid modification when XXXX settlement was made with AGs. This stems from a predatory loan with XXXX.
12/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • GA
  • 30233
Web
I have called the company and asked them to remove the hard inquiry from my credit report and they said no we will not do that I don't have any business with these people and I have never opened an account with them
11/22/2023 Yes
  • Mortgage
  • Manufactured home loan
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • MS
  • 396XX
Web
XXXX weeks behind on my mortgage calling emailing threatening foreclosure ask to get an extension was told no the counselor was rude yelling and cursed one time telling me I need to learn how to handle my XXXX bills
01/13/2017 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 120XX
Web
Collector from 21st mortgage asks personal questions about how much money I will have in my pay check. Asks what other bills or expenses. Tells me it 's unacceptable if I do n't make my payment at the specific date.
04/05/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 780XX
Web
21ST MORTGAGE HAS AN OVERPAYMENT ON ESCROW THAT NEEDS TO BE APPLIED TO THE BLANCE THIS IS AN ON GOING ISSUE EVERY YEAR WOULD LIKE THE {$470.00} ODD DOLLARS APPLIED TO THE BALANCE SO I CAN BRING IT CURRENT
10/11/2022 Yes
  • Debt collection
  • Mortgage debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MD
  • 20705
Web
The mortgage company continuously shared my financial information with a third party with an obvious intention to force a pending payment in direct violation of the consumer privacy protection act.
07/24/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 32608
Web
The documents on my home loan are false its stating I have out 2 loans some of the names mentioned on the home loan are people I dont know the loan amount is incorrect as well
07/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 757XX
Web
21ST mortgage will not help me, they are trying to foreclose on me. I lost my job due to covid. Please help or me and my kids will be out on the street.
10/19/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80817
Web Older American
talked with them, and they they wont work with me.after changing home owners insurence.and they still want money for a policy i no longer have.
05/27/2015 Yes
  • Debt collection
  • Mortgage
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • GA
  • 30506
Web
We were less than 30 days late on our mortgage payment and the company is calling multiple times a day and threatening us with foreclosure.
09/25/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • FL
  • 344XX
Web
I have told 21st mortgage on several occasions not release my personal information, this has been an issue over the past year
11/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 364XX
Web
Im a victim of identity theft and there are several hard inquiries on my report that I have no knowledge of applying for
04/09/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 313XX
Web
After six months, XXXX & I have requested repeatedly to pay insurance & taxes but mortgage can said there not way.
03/16/2017 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78840
Web
They call Monday Thur Friday Call both phones Email also And text Every time Send letters Certified letters
01/20/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • GA
  • 318XX
Web
XXXX, XXXX. I call to see what program that was available to help me do to out of work. Do to covid-19.
12/02/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • MD
  • 20746
Web
The name of the Mortgage Company is 21 Mortgage Corp. I paid them over XXXX dollars this month.
04/05/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 780XX
Web Servicemember
21st mortgage continues to hold overage of escrow instead of applying it to the account
10/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95838
Web
This account is Fraud, I never give anyone permission to pull my report.
01/31/2024 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief
  • FL
  • 34746
Web
01/30/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 707XX
Web Servicemember
01/22/2024 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • TX
  • 78253
Web
01/18/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 324XX
Web Servicemember
01/16/2024 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • FL
  • 34746
Phone
01/11/2024 Yes
  • Mortgage
  • Manufactured home loan
  • Struggling to pay mortgage
  • Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
  • MN
  • 55033
Web
12/24/2023 Yes
  • Mortgage
  • Manufactured home loan
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • TX
  • 781XX
Web
12/23/2023 Yes
  • Mortgage
  • Manufactured home loan
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • FL
  • 326XX
Web
12/18/2023 Yes
  • Mortgage
  • Manufactured home loan
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • MS
  • 395XX
Web
12/01/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • GA
  • 31077
Referral
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 38053
Web
10/16/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • TN
  • 38125
Referral
10/15/2023 Yes
  • Mortgage
  • Manufactured home loan
  • Struggling to pay mortgage
  • Foreclosure
  • MI
  • 48036
Web
09/30/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
  • FL
  • 32118
Web
09/26/2023 Yes
  • Debt or credit management
  • Mortgage modification or foreclosure avoidance
  • Didn't provide services promised
  • FL
  • 32040
Web Servicemember
09/20/2023 Yes
  • Mortgage
  • Manufactured home loan
  • Struggling to pay mortgage
  • Foreclosure
  • MS
  • 386XX
Web
09/05/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Paying off the loan
  • VA
  • 23693
Phone
09/01/2023 Yes
  • Mortgage
  • Manufactured home loan
  • Trouble during payment process
  • Payment process
  • TX
  • 77037
Phone
08/15/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 31513
Web Servicemember
08/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 63755
Web
08/13/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27616
Web
08/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31791
Web
08/04/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 30134
Phone
08/04/2023 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • PA
  • 17601
Web Older American
07/28/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 76513
Web
07/27/2023 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NC
  • 27878
Web
07/26/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 13031
Web
07/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 39401
Web
06/28/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92154
Web Older American
06/23/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • SC
  • 29486
Web
05/23/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34114
Phone
03/28/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
  • 70535
Web
03/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • LA
  • 70401
Web
03/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KY
  • 42301
Web Servicemember
02/19/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 08083
Web
01/13/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VT
  • 05403
Web
01/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 76234
Web
12/23/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AR
  • 72069
Web
12/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91607
Web
12/06/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • SC
  • 29101
Web
12/06/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28463
Web
11/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77853
Web
11/18/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • AZ
  • 86413
Web Older American
10/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29579
Web Servicemember
10/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29579
Web Servicemember
10/14/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37051
Referral
10/11/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VT
  • 05495
Web
10/07/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • TX
  • 76234
Web Older American, Servicemember
10/07/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77988
Phone Older American
10/06/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32024
Phone
09/12/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32305
Web
08/30/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • GA
  • 30238
Web
08/19/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • ID
  • 83869
Web Servicemember
08/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 72069
Web
07/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 43326
Web
07/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MS
  • 39365
Referral
07/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 43326
Web
07/07/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 14617
Referral
06/14/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 70087
Web
06/10/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • FL
  • 32668
Phone Servicemember
05/09/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28358
Phone
04/25/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AL
  • 36037
Phone
03/21/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • 79762
Phone
03/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MS
  • 38618
Phone Older American
03/11/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NM
  • 875XX
Web
02/14/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
  • 70648
Web
01/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 31202
Phone
01/26/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19720
Phone Older American
01/05/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28470
Phone
12/23/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MI
  • 48872
Referral
12/19/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MS
  • 39730
Web
12/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70072
Phone
11/25/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • OK
  • 74525
Web
11/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AR
  • 716XX
Web
11/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70769
Phone
10/22/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MS
  • 39363
Web
10/19/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 39360
Web
10/08/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OK
  • 73505
Web Servicemember
10/07/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • VT
  • 05701
Postal mail
10/05/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • WA
  • 98026
Web
09/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 76023
Web
08/08/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MS
  • 39759
Web
07/28/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AR
  • 72473
Web
07/19/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 12928
Web
07/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27597
Web
07/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • KY
  • 42240
Web
06/29/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • 11372
Postal mail
06/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70422
Phone
05/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95691
Phone
05/14/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 75160
Phone
04/22/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 93063
Web
04/07/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 34475
Web
03/05/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MS
  • 39601
Web
02/22/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77584
Phone
02/16/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OK
  • 74079
Phone
02/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55430
Phone Older American
02/03/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 75707
Web
01/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77055
Web
01/14/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MI
  • 48114
Phone
12/26/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MI
  • 48876
Web
12/08/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 75855
Web
11/24/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NM
  • 87401
Web
10/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 31217
Web
10/08/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91768
Phone
10/05/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MS
  • 39208
Web Servicemember
09/24/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • SC
  • 29841
Web
08/26/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • GA
  • 31217
Referral
07/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 36582
Web
05/22/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 75672
Referral
05/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33317
Web
04/13/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
03/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 320XX
Web
03/17/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MT
  • 59601
Web Servicemember
03/05/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 78382
Web
02/28/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77853
Phone Older American
01/24/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 17543
Web Older American
01/03/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 76374
Web
12/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WV
  • 26330
Web
11/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • LA
  • 71107
Web
11/05/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • FL
  • 32621
Phone
10/15/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
Phone
10/07/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TN
  • 379XX
Web
09/20/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
Phone Older American
05/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 77320
Web Older American, Servicemember
05/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NV
  • 89502
Web Servicemember
05/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • LA
  • 71107
Phone
05/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 79601
Web
04/28/2019 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • CA
  • 93551
Web Older American
04/10/2019 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • PA
  • 17324
Web
03/01/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • MD
  • 20784
Referral
02/25/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 01845
Web
01/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33813
Postal mail
12/27/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MO
  • 63033
Postal mail
11/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 75672
Phone
08/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55092
Phone
08/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • PA
  • 17070
Referral
07/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 78065
Referral
07/07/2018 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • LA
  • 71441
Web Older American, Servicemember
05/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Referral Servicemember
05/03/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • SC
  • 29406
Web
04/25/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
Postal mail
04/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37919
Web
04/11/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • GA
  • 31069
Postal mail
03/24/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TN
  • 38114
Referral
03/19/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 92404
Web
02/20/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 334XX
Web
02/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33440
Web
02/09/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 30016
Phone
02/06/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MI
  • 48114
Web
01/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • 484XX
Web
01/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OH
  • XXXXX
Web Older American, Servicemember
01/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • AZ
  • 85940
Web
01/05/2018 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75034
Web Servicemember
01/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OK
  • 743XX
Web
12/20/2017 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77347
Web
12/04/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77535
Web
12/01/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • GA
  • 31018
Referral
11/30/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OK
  • 74055
Web
11/29/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32837
Postal mail
11/03/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 77422
Web
10/25/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 37343
Web
10/24/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Account information incorrect
  • OK
  • 73843
Phone
10/19/2017 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78754
Web
10/10/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
Phone
09/29/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • GA
  • 30076
Referral
09/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AL
  • 36441
Web
09/19/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WV
  • 25213
Referral
08/22/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • SC
  • 29560
Phone Servicemember
08/15/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 94116
Referral
08/09/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33862
Web Servicemember
08/01/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 35079
Web
07/25/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 63021
Postal mail
07/20/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • OH
  • 45140
Referral
07/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85260
Web
07/07/2017 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02330
Postal mail
06/29/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OK
  • 740XX
Web
06/20/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 15050
Web
06/19/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone Servicemember
06/05/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • OK
  • 74115
Fax
05/24/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 38506
Web
05/16/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • MI
  • 48197
Web Servicemember
05/09/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • FL
  • 32114
Postal mail
04/25/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 35079
Web
04/19/2017 Yes
  • Mortgage
  • Other mortgage
  • Other
  • NY
  • 11368
Postal mail
03/29/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 20744
Web
03/24/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 28104
Phone Servicemember
03/24/2017 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • AL
  • 30683
Phone
03/22/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • AL
  • 35034
Postal mail
03/22/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • AL
  • 35034
Postal mail
03/14/2017 Yes
  • Mortgage
  • Other mortgage
  • Credit decision / Underwriting
  • TX
  • 76645
Web
03/07/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 32566
Referral Servicemember
03/06/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 100XX
Web
02/28/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 76028
Referral
02/09/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • NC
  • 27801
Phone
02/01/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 36350
Postal mail
01/31/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30153
Web
01/25/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32344
Referral
01/24/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 78660
Web
01/23/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • NY
  • 100XX
Web
01/11/2017 Yes
  • Mortgage
  • Other mortgage
  • Other
  • NY
  • 11368
Postal mail
01/03/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 32563
Web
12/27/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • OK
  • 73020
Phone Older American
12/19/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92868
Web
12/15/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • OK
  • 73099
Fax
12/02/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 28312
Web
11/29/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 45651
Postal mail
10/25/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MN
  • 55092
Phone
10/25/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • AR
  • 71653
Web Older American
10/18/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 35079
Web
10/07/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • MS
  • 38863
Phone Servicemember
09/21/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32305
Web
09/20/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • WA
  • 98012
Fax
09/19/2016 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Used obscene/profane/abusive language
  • TX
  • 77625
Web
08/25/2016 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 92410
Web
08/23/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • NY
  • 14719
Web
08/13/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 17324
Web
08/09/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30039
Web
08/04/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 90007
Web
08/03/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 91724
Referral Servicemember
08/02/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • IN
  • 46319
Referral Servicemember
07/20/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 79902
Web Servicemember
07/09/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 61401
Web Older American
06/28/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • ID
  • 83501
Phone
06/27/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • CA
  • 94520
Web
06/23/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • MD
  • 21076
Web
06/23/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • NY
  • 11580
Web
06/21/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 31018
Referral
06/16/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Application, originator, mortgage broker
  • IN
  • 47106
Phone
06/14/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • OH
  • 43720
Phone
05/25/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 79734
Referral
05/19/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • KS
  • 66208
Web
05/06/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 45417
Phone Older American
05/03/2016 Yes
  • Mortgage
  • Other mortgage
  • Settlement process and costs
  • TX
  • 76207
Web
04/27/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92337
Web
04/12/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92337
Web
04/11/2016 Yes
  • Consumer Loan
  • Personal line of credit
  • Account terms and changes
  • VA
  • 23924
Phone
04/05/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • LA
  • 71269
Phone
04/01/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NE
  • 69153
Phone
03/22/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • IL
  • 60013
Web
03/16/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • TN
  • 37343
Web
03/09/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • AZ
  • 85746
Web
03/07/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 31018
Referral
02/25/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • MI
  • 49426
Web
02/24/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 90745
Referral
02/12/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30816
Phone Older American
02/08/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 33140
Web
01/04/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • PA
  • 17324
Web
12/29/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • LA
  • 70737
Web
12/07/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • AL
  • 36451
Web
11/05/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 90716
Web
10/19/2015 Yes
  • Mortgage
  • Other mortgage
  • Other
  • TX
  • 76052
Postal mail
10/18/2015 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 45417
Web Older American
10/13/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MI
  • 48314
Web
10/08/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 32570
Web
10/06/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 90740
Fax
10/05/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • AL
  • 35580
Web
10/02/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92337
Web
10/01/2015 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • NC
  • 27106
Fax
10/01/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 14527
Fax
09/03/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • MI
  • 48079
Postal mail
08/27/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 93535
Referral
08/05/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • VA
  • 22044
Web
08/04/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 31709
Web
07/31/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 28456
Web Older American, Servicemember
07/30/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • LA
  • 70030
Fax
07/24/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32570
Web
07/20/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • AR
  • 72211
Web
07/13/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 11207
Referral
07/13/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MS
  • 395XX
Web
07/08/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 11208
Postal mail
07/02/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • AZ
  • 85296
Web Older American
06/26/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • DE
  • 19938
Web
06/19/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 27935
Web
06/15/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • AR
  • 72206
Web
05/29/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CO
  • 80134
Referral
05/21/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 90740
Postal mail
05/13/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • KY
  • 40962
Web
05/10/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • SC
  • 29440
Web
04/30/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 77584
Referral
04/14/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • MA
  • 01851
Referral
04/13/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 49441
Web
04/07/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • AZ
  • 85226
Web
04/06/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • ME
  • 04104
Web
03/17/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 27804
Web
03/16/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • NV
  • 89101
Postal mail
03/12/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 75065
Referral
03/11/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • MN
  • 55124
Web
03/06/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 75709
Web
03/03/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33023
Web Older American
03/02/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 34667
Phone Servicemember
02/20/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 38114
Phone
02/18/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33321
Referral
02/13/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • LA
  • 70037
Web
02/12/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • NV
  • 89123
Referral
02/07/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • AZ
  • 85295
Web Servicemember
02/05/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 14719
Web
01/23/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • OH
  • 45680
Web Older American
01/08/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • IN
  • 46032
Web
01/02/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • ND
  • 58316
Web
12/31/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 76639
Web
12/30/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • SC
  • 29646
Web Older American
12/30/2014 Yes
  • Debt collection
  • Mortgage
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • MI
  • 48179
Web
12/24/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 76240
Web
12/22/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 77302
Phone Servicemember
12/22/2014 Yes
  • Debt collection
  • Mortgage
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • TX
  • 77625
Web
12/13/2014 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • NJ
  • 08302
Web
12/12/2014 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Threatened to take legal action
  • CO
  • 80229
Phone
12/10/2014 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • NJ
  • 07050
Web
12/03/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • CO
  • 80260
Web Older American
12/02/2014 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 35133
Web Servicemember
11/25/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 93063
Web
11/25/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 76240
Web
11/24/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • FM
  • 31794
Referral
11/11/2014 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • VA
  • 20158
Referral
11/10/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • UT
  • 84315
Web
10/27/2014 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MT
  • 59901
Web
10/23/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NH
  • 03874
Web
10/22/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 20852
Web
10/12/2014 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • CA
  • 95687
Web
10/08/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 78616
Phone
10/08/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 48382
Referral
10/02/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 18424
Web Servicemember
09/17/2014 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • CT
  • 06776
Web
09/12/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • AE
  • 09627
Referral Servicemember
09/09/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • KY
  • 40175
Web
09/08/2014 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 90069
Web
09/05/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • SC
  • 29053
Web Older American, Servicemember
08/21/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MO
  • 65340
Web
08/20/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 75472
Web
08/13/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 90047
Web
08/07/2014 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • FL
  • 33140
Web
08/07/2014 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 20746
Web
08/01/2014 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • PA
  • 18960
Postal mail Older American
07/29/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30415
Web Older American
07/25/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • MI
  • 48178
Web
07/24/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • SC
  • 29073
Web
07/14/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92078
Web
07/11/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 31601
Web
07/09/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 11769
Referral
07/08/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • 86402
Referral
07/02/2014 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 46809
Postal mail
06/30/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 28027
Referral
06/30/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32668
Web
06/26/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • AL
  • 36022
Referral
06/20/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • WI
  • 54956
Web
06/16/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 79938
Web
06/10/2014 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NV
  • 89074
Web
06/02/2014 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Application, originator, mortgage broker
  • NY
  • 11940
Web
06/02/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 32621
Phone
05/27/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • MO
  • 63369
Web Older American
05/20/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • FL
  • 32062
Phone Servicemember
05/15/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • LA
  • 70560
Web
04/23/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 95966
Web
04/23/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • SD
  • 57107
Web
04/23/2014 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • TN
  • 37406
Web
04/11/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92116
Fax
04/01/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • LA
  • 70631
Web
03/31/2014 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • PA
  • 17324
Web
03/26/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • OR
  • 97068
Web
03/20/2014 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • OK
  • 73020
Web Older American
03/18/2014 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75471
Web Servicemember
03/14/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • DE
  • 19713
Referral
03/13/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • DE
  • 19713
Web
03/07/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • TX
  • 76053
Web Older American
03/06/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 13662
Web
02/28/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 11725
Web
02/27/2014 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • PA
  • 17324
Web
02/15/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CT
  • 06611
Web
02/14/2014 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • GA
  • 30016
Web
02/12/2014 Yes
  • Mortgage
  • Second mortgage
  • Application, originator, mortgage broker
  • GA
  • 20016
Phone
02/06/2014 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • CA
  • 90713
Web
02/06/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 20783
Referral
01/30/2014 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27592
Web
01/28/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 95139
Web
01/27/2014 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 77905
Phone Servicemember
01/22/2014 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • CA
  • 92708
Web
01/16/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 91304
Web Servicemember
01/12/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • OK
  • 73135
Web
01/10/2014 Yes
  • Debt collection
  • Mortgage
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 20720
Web
01/09/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33618
Phone
01/06/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33436
Web
01/01/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • WV
  • 26280
Web
12/30/2013 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • NY
  • 11566
Web
12/19/2013 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 60565
Web
12/02/2013 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • TX
  • 75766
Web
11/27/2013 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30420
Web
11/19/2013 Yes
  • Mortgage
  • Other mortgage
  • Settlement process and costs
  • CA
  • 95212
Phone Servicemember
10/24/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MS
  • 39073
Referral
10/24/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 32626
Referral Servicemember
10/22/2013 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • SC
  • 29745
Web
10/21/2013 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • AL
  • 36874
Web
09/30/2013 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MA
  • 01960
Web
09/23/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • MS
  • 38921
Phone
09/20/2013 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • MI
  • 49696
Web
09/18/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 10018
Referral
09/14/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 95687
Web
09/04/2013 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • CT
  • 06776
Web
08/19/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • LA
  • 71292
Web
08/19/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • DE
  • 19803
Postal mail
08/08/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 78245
Web
07/25/2013 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • AZ
  • 85260
Web
06/22/2013 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 49401
Web
06/21/2013 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • SC
  • 29545
Web
06/20/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • DE
  • 19803
Referral
06/03/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • AR
  • 71724
Referral
05/01/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 32765
Web
04/23/2013 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 79763
Web
04/15/2013 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • DE
  • 19946
Phone Servicemember
04/05/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • ID
  • 83530
Phone
02/26/2013 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • KS
  • 67101
Web
02/26/2013 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • KY
  • 40445
Web Older American
01/29/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • OR
  • 97402
Referral
01/23/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • KY
  • 40213
Web
01/21/2013 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • SC
  • 29556
Web
01/02/2013 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 34667
Phone Servicemember
12/26/2012 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21539
Phone
12/22/2012 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 36271
Web Servicemember
11/20/2012 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32226
Referral
10/24/2012 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 75109
Web
10/09/2012 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 32668
Web Servicemember
10/09/2012 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30043
Phone Older American
10/04/2012 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 45103
Web
09/27/2012 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32043
Web
09/20/2012 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • TX
  • 78244
Web
09/17/2012 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • TX
  • 75142
Web Older American
09/13/2012 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • OK
  • 73481
Postal mail
08/24/2012 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • AL
  • 35115
Referral
08/15/2012 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 75785
Web
07/26/2012 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 95821
Web
06/21/2012 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 76119
Referral
06/13/2012 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 32046
Referral
06/11/2012 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • SC
  • 29020
Phone
05/14/2012 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 78383
Postal mail Older American
03/15/2012 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • SC
  • 29154
Web
03/09/2012 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30120
Web