21st Mortgage corp.

In XX/XX/XXXX, my mortgage loan with 21st Mortgage Corporation went through foreclosure. I vacated the property on XX/XX/XXXX, within the required 30-day timeframe. At the time of foreclosure, the remaining loan balance was approximately {$100000.00}. After the foreclosure, the property was later sold for approximately {$150000.00}. Nearly 11 months after the foreclosure, I received a notice from 21st Mortgage Corporation claiming that I still owe a deficiency balance of approximately {$35000.00}. However, I have not received any documentation explaining how this amount was calculated, especially given the difference between the foreclosure balance and the resale price. 21st mortgage remained the lein holder of this property through auction and resale of property. At Auction 21st mortgage was the only bid and bid {$72000.00} and sold the property for {$150000.00}, which this raises serious concerns of surplus funds.…

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Before legal requirements in the state of New mexico I submitted a payment before time alloted to proceed for legal action. I submitted a payment to bring it current before that time Frame. They rejected payment and sent me a check back because it was not full amount. I proceeded and in contact and went to XXXX XXXX. XXXX and everywhere I can submit full payment to be caught up and everywhere denies payment per via consumer. I call and ask what should I do and there response is figure it out and no information is given to me nor there names or anything about it and says it's not there problem

Ever since we got the mobile home we've been having issues The first day we tried to get ready to move in the AC did not work they had to call AC guy to fix it AC went out again I called XXXX times and the guy that does the repairs called me a liar I do not want them at my house because he won't fix anything the right way

On XX/XX/year>, someone named XXXX XXXX from 21st mortgage called and asked about my payment. I told him that I was going to pay for both this month and next month my next paycheck, which is next week. He then, decided it was okay to yell and lecture me. I told him I was not denying payment, that I had a few things going on. He said I was denying payment even though I told him I was paying for both months so that I am current on it. When I asked why he was lecturing me, he said " because it sounds like you need a lecture. '' I shouldn't have to disclose my health or anything I am facing to someone that thinks it is okay to yell and berate people. He threatened legal action, but I am not even a month late yet. NO ONE should have to be yelled at or lectured for a missed payment. I made the payment on this day, and I will pay my mortgage, again I was not denying payment. I will make my payments on time ; I had been until last month. I just had a few things happen.…

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am reporting entity [ company,21st Mortgage Corporation , manufactured home lender us ] for unfair business practices. The company has refused to communicate with me in writing despite repeated requests and is refusing to confirm receipt of a valid payment made via XXXX XXXX on XX/XX/year> and they normally apply the payment the same day, but they are refusing to confirm receipt of payment since I requested everything we do be done in writing I have proof of payment and multiple unanswered written communications. Their actions appear to be part of a pattern of ignoring consumer rights and failing to provide transparency regarding payments. I am concerned this behavior may impact my account status and credit reporting. I am submitting this complaint so the issue is formally documented and reviewed.

This company is discriminating. They have my account listing me ( some how/ how ever they did it in their words ) as difficult to deal with. Everyone has an attitude when I call with questions, over talk me and hang up on me. What happened XXXX I called about a late fee being taken out, days before when I called to add money to my account this person DIDNT mention the late fee. So I find out the late fee is from a year ago ( doesnt make sense ) But checking my bank statements, I have found out that XX/XX/XXXX I made double payments. XX/XX/XXXX I made double payments. XX/XX/XXXX I made double payments. XX/XX/XXXX I made double payments This means they are NOT placing my money where it needs to be. XXXX XXXX ive had to ask them to stop harassing me. Ive called to let them know I was having financial issues. Ive called to let them know I had to make my payments toward the end of the month, according to my paycheck. I do the right thing.…

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CFPB Consumer Complaint Narrative I am submitting this complaint regarding the servicing and handling of a manufactured-homerelated mortgage transaction by 21st Mortgage Corporation . I owned the underlying land outright and entered into a transaction involving the proposed purchase and installation of a manufactured home on a specific XXXX property. The lender approved and relied upon a retailer, that appeared in its approved retailer system, and proceeded with origination knowing the transaction involved a XXXX property. They should have known whether the retailer, that is XXXX of their approved lenders, was properly licensed. At closing ( XX/XX/XXXX ), a lien was placed on my property for the full amount of the proposed transaction, and that lien remains in place despite the manufactured home never being delivered.…

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XX/XX/XXXX I filed a XXXX XXXX bankruptcy due to a legal issue surrounding business. Around XX/XX/XXXX I had gotten the matter resolved. I then did a voluntary dismissal of the XXXX XXXX. I immediately went to do a VA refinance on my house from a conventional loan. Lower interest rate and fresh start with my mortgage. From XX/XX/XXXX- Current, no payments have been reported to my credit report however I did make my mortgage payment to the XXXX XXXX trustee. Theres a ledger that shows my payments. On the mortgage portal, it shows payments received but the mortgage company hasnt reported to the credit bureau. When I apply to refinance my mortgage, each lender has said the same thing that theres no reporting history in the last 12 months. Ive explained to each, the same story above.…

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Ive had the trailer XXXX years never been late the last XXXX months I have struggled due to financial difficulties. The payment for XXXX I havent paid yet. It was due by the XXXX. I applied for a hardship with XXXX MORTGAGE and got approved and they want me to pay {$230.00} and they were gon na take care of the rest. The total amount of my mortgage every month is XXXX so out of that XXXX they only wanted XXXX and they were gon na take care of the rest. But in the meantime for the last month, Ive been trying to sell the trailer because its became too much for me and I didnt want my credit to go bad so I was trying to do the right thing and get it sold well I just found out last night on XXXX XXXX that I sold it so I called the mortgage company this morning to give them the news to tell them that the money will clear by Friday and there will be a check cut and written to them and mailed.…

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We have spoken to the company rep and their supervisor twice now and have not been able to come to a solution. We are 4 months behind on our mortgage. We had gotten two offers in the mail- the first one was that they would make a payment if we could make a payment. They said that offer expired. The second letter offered {$3000.00} to move out peacefully and clean the home. I discussed that with them today and they said we'd have to move out within 2 weeks. I offered to start making payments again but they said that wouldn't be enough because we'd still owe the last 4 months. I asked for a payment plan on the past due amount but they said they couldn't do that either. They said they were trying to work with me but they didnt offer any solution besides me sending them the total amount due.

Our loan company 21st mortgage accepted a falsely classified appraisal ( as a manufactured home instead of a mobile home ) with incorrect sales price number, failed to identify a HUD # and labeling broken windows as good, we were not aware of the windows being in such poor condition until after we moved in in which the seller replaced the two windows that didn't lock at all which were the exact windows that the appraiser took a picture of and labeled as good condition, community office for our lot rent has a section stating that excess moisture is grounds for eviction how can we be on grounds for eviction for something that was there before we had possession of the property, which should have been caught by the community office inspection, or the appraiser and somebody should have notified us, which never happened. This house should not have been satisfactory to be sold due to their community packet rules also the appraisal should not have been accepted by the loan company.…

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My mortgage company, 21st has unprofessional collection tactics and needs to stopped. They use threatening tactics, unprofessional, no empathy, and do not try to work with. My wife was out of work for three months no pay and the laughed at her and when I called, they laughed at me when ai advised I was a collection supervisor and was told your a supervisor and was laughed at. Then they threatened to take my home when I said I would make both payments, just needed information to access my 401K for a hardship loan, only to be told now that I was two pay periods past due. I was approved to pay the two weeks without their help, and they once again made only threats to take my homeXXXX XXXX complaints tell the same story. Someone needs to take action to address this nightmare within the company.

We been going back and forth with 21st mortgage cause we got behind on our payments. We been going to court. So on XX/XX/XXXX we paid it off {$36000.00}. They won't release the title to us and still have our money as well. We went to court XX/XX/XXXX we get there and they tell us that our court hearing had been cancelled supposedly by the lawyers that 21st mortgage is using and didn't tell us anything and said they will reschedule. After we paid the house off they send a statement to us saying we owe {$1400.00} for the principal, interest, escrow ( for taxes, insurance ) and a regular payment, how we just paid it off and that was the total from 21st mortgage now we understand the legal fees that's fine but they said they won't release the title cause we don't have insurance but the insurance is included in the house note and said before we paid it off when we get our balance back to negative they will reinstate the insurance but turn around and charging for it and keeping our title.…

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I was approved for the loan @ 5 % down but only for XXXX years and not the XXXX I wanted. When I asked why not XXXX years he said it was because of my age. I believe his name was XXXX. XXXX told me they could loan to me for XXXX years but I would have to put down 20 % instead of 5 %. This is ridiculous. Who are they to say I wont live to be XXXX? Totally unacceptable. The Company is 21st Mortgage.

We are only {$1500.00} behind.We 've been making a least $ XXXXXXXX XXXX XXXX monthy payments but 21st mortgage still wants to try and foreclose my home... I'm having a XXXX XXXX XXXX in two days and my husband XXXX XXXX XXXX XXXX XXXX We are a highly successful couple it's just my XXXX got us a little behind... They call us at least five times everyday and tell us we don't have any business being in this home and that we are not suitable for our lovely home. Please help us at least keep this roof over our heads so we can pay off this mortgage company and switch to a friendly mortgage company, someone that was NOT appointed to us by the house sellers. We can even pay it off with our taxes this year but they don't want to work with us.They send us letters threatening to foreclose or take legal action EVERY TIME we finish making a payment...…

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My wife had to have XXXX to which her short term XXXX payments were not made to her until after she went back to work. I had to take another job due to work slowing down for the winter and the cost of health benefits going up for her. I called the park in which we lived and the mortgage company which work hand in hand because there are only a few companies that handle manufactured home loans and only two that work with the manufactured home park in which we lived. We had to file bankruptcy to keep some of our stuff to which they stated they would work with us and they did until after the bankruptcy was finalized and they did not seem to care after that because they knew we could do nothing and they did their part to help us

Company not applying payments made for over a month, this company does not apply the payments in time then sends a letter of intent to foreclosure even though active payments are being made. I asked the company for proof of communication dates and times they claim to have been to my home, they then sent an email to me stating that no more calls or emails would be accepted on my account. Ive continued to make payments every two weeks so money is always going to my account. They have reflected no payments made since XX/XX/XXXX when in fact I've made 4 payments the last one being XX/XX/XXXX. They verbally assault you and tell you there not taking money from you there taking your home. This abuse has to stop! Now they have issued foreclosure notice but it's then not applying money!

FORMAL REGULATORY COMPLAINT Re : Predatory Lending, Deceptive Practices, Withheld Disclosures, and Improper Legal Action by 21st Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complainant Information : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Former Address Used by Lender : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX Respondents : XXXX. 21st Mortgage Corporation XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I. Summary of Complaint I am filing this complaint regarding predatory manufactured home lending, failure to provide mandatory federal loan disclosures, misrepresented loan terms, and a XXXX XXXXXXXX repossession lawsuit that proceeded without proper notice to me even though 21st Mortgage had my correct Oregon address. XXXX.…

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We got about 3 months behind on the mortgage payment due to slow work. I am an independent XXXX in the XXXX XXXX, so they sent out letters to get caught up. I was unable at the time, so they turned it over to the courts and had the police come to my house with the intent to foreclose. I then, the very next week, started to pay. I made 3 complete payments they refused to apply to my account. Please see all attachments. They sent partial payments back, so I sent them back and advised that it was not the correct amount so they sent the whole thing back. I sent it all back to 21st Mortgage. Can you please have them apply those payments? I will not cash those checks. You all can clearly see they are trying to force a foreclosure. 21st Mortgage is in clear violation of RESPA Section 6, with no question

The defendants placed a consumer hazard insurance policy through a lender-controlled affiliate agency on XX/XX/year>, weeks before loan funding on XX/XX/year>, yet later represented that the policy was bound on the funding date. The financed contract amount ( {$120000.00} ) appears on no contract the plaintiff knowingly signed and conflicts with both the quoted price and the executed purchase agreements. This constitutes misrepresentation of origination, lender-tied insurance placement without verified borrower assent, undisclosed fee enrichment inside loan servicing or escrow, and demand for RESPA/TILA consumer XXXXraud investigation and remedy.The dealer and lender placed a hazard insurance policy through a lender-controlled affiliate on XXXX before my loan was funded on XXXX later misrepresented the binding date.…

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I am a XXXX XXXX XXXXXXXX XXXX, Im on hardship due to not receiving all my benefits that I have earned, the mortgage company keeps menacing with foreclosure even that they have hardship programs that they do not want to help my family with. They also dont want any partial payments, they just want to gauge your eyes with complete payments only Im struggling and they do not want to help

Me and wife, XXXX XXXX was misled into a fraudulent mobile-home financing agreement involving 21st Mortgage and XXXX XXXX XXXX XXXX We signed a contract before approval, and later discovered mismatched loan terms, altered documents, and insurance added without proper disclosure. Multiple conflicting versions of the documents exist. Evidence shows predatory assignment arbitrage and violations of TILA, UDAAP, and FCRA.

21st Mortgage is making it extremely difficult and costly to make my loan payments. They refuse to accept standard, reasonable payment methods such as debit cards or an online payment system. Instead, they force me to use XXXX XXXX every month, which adds unnecessary fees, inconvenience, and risk. This is not a typical or consumer-friendly payment method for a mortgage or loan, and it places an unfair burden on me as the borrower. On multiple occasions, after I have sent my payment through XXXX XXXX, 21st Mortgage has contacted me and told me to reverse the payment and resend it using a different method. This causes confusion, delays, and uncertainty about whether my payments are being properly credited. It also raises serious concerns about their internal payment processing, accounting practices, and whether they are intentionally obstructing or manipulating payments.…

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I am a consumer with a mortgage serviced by 21st Mortgage Corporation. I have a documented XXXX ( XXXX XXXX XXXX ) that makes telephonic communication medically inadvisable due to XXXX XXXX. I have formally requested a Reasonable Accommodation under the XXXX XXXX XXXXXXXX XXXX ( XXXX ) and the Fair Housing Act to communicate regarding my loan exclusively via email or writing. On XX/XX/year>, at approximately XXXX XXXX XXXX I attempted to resolve a delinquency. 21st Mortgage 's representative ( a " Supervisor '' ) refused to provide me with a written reinstatement quote or loss mitigation options. Instead, the Supervisor engaged in abusive and intrusive questioning regarding my personal medical and household expenses. Specifically, the Supervisor interrogated me about the cost of my " medication '' and the cost of " veterinary care '' for my pet, implying that I should prioritize their payment over my health needs.…

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On XX/XX/year>, I attempted to resolve an escrow discrepancy with 21st Mortgage. At XXXX p.m., I spoke with XXXX XXXX, who refused to initiate an escrow waiver due to the discrepancy. She then transferred me to XXXX, who declined to provide effective verbal communication as required under ADA compliance. I rely on this accommodation, and his refusal directly impacted my ability to communicate. During the call, XXXX became aggressive, forcing me to end the conversation. At XXXX p.m., I spoke with XXXX, but I was again denied the opportunity to file a formal complaint. Following these interactions, my account was flagged in a way that prevents me from speaking with representatives. This appears to be retaliatory, as the flag was applied solely because I requested an escrow waiver to address the discrepancy.…

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I am filing this complaint regarding the handling of my mortgage loan modification application by XXXX Mortgage. On XX/XX/year>, I submitted a loan modification application to XXXX Mortgage and provided all requested documentation. Despite timely submission and my ongoing cooperation, I received a denial notice dated XX/XX/year>. The servicer advised that my mobile home was not eligible for any loan modification or loss-mitigation options and that the only way to avoid further legal action or repossession was to fully reinstate the account. Throughout this process I have experienced substantial communication breakdowns and significant stress and uncertainty about my housing situation. My loan became delinquent as a direct result of extraordinary financial burdens, including the birth of a preterm infant who remains in the XXXX. In addition, recent immigration-related expenses depleted our household funds.…

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XX/XX/XXXX XXXX and a partial XXXX payment was mailed via XXXX XXXX mail also received a repossession intent letter from my mortgage company XX/XX/XXXX the remaining balance for XXXX was mailed and was received on the XXXX. And im being told that no payments have been received. Also the remaining payment was sent via XXXX mail and was signed for. So i suspect someone is stealing my mail/money

I was getting put on call and cancelled at my current XXXX job. I got a better paying job an hour away- my car engine blew up and I was unable to keep that job. I have a new job that starts XX/XX/XXXX so I need a forbearance or assistance until I can get started with that position. The mortgage company told me to ask family or pawn something- they dont offer forbearance or payment plans. They have also failed to provide an application for title for registration despite multiple requests.

We are filing this complaint against 21st Mortgage Corporation for unreasonable withholding of insurance proceeds and mishandling of mortgage-related claim funds. Our insurer ( 21st Century Insurance ) issued a check for {$8500.00} for water-damage repairs to flooring, subfloor decking, drywall, insulation, trim, and baseboards. These are non-structural finish materials. 21st Mortgage was listed as a payee, so we can not deposit the check without their endorsement. We provided full documentation : photos, the adjusters estimate, and builder correspondence confirming pre-existing water intrusion that will compromise the new repairs if not fixed together. We requested authorization to perform the repairs ourselves ( homeowner-performed repair ) because the claim is far below their stated {$20000.00} XXXX threshold.…

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They did not disclose after signing the contract it became a negotiable instrument. That they would then sale and keep all the proceeds from it which paid this off. There was not mutual obligation. There was not equal consideration. They did not put up any of their own money for this mortgage, so 21st did not put up anything of value. So, I did the following, I sent in a Qualified Written Request with XXXX questions on XX/XX/year>. They responded XX/XX/year> saying they didn't have to answer my questions. So, I sent it again with the laws statues and codes stating I have the right to know everything I was requesting from them on XX/XX/year>. They responded XX/XX/year> stating the letter is a near duplicate to your previous correspondence which 21st already issued a response. The statements are legally flawed and do not merit further response. we received your most recent payment on XX/XX/year> which demonstrates you understand your obligation.…

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