Consumer Reviews and Complaints
WRITE A REVIEWRate and Write a Review on 21st Mortgage Corporation
This complaint and/or review was posted on HolySmoke.org on 10:51 am, July 15, 2019 (CST) and is a permanent record located at: https://www.holysmoke.org/scam/21st-mortgage-corporation/.
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21st Mortgage Corporation Reviews & Complaints
21st Mortage. Very bad I can’t wait till I get away from them. If our payment is due on the 15, they will blow our phones up all day on the 15!! They have asked me in phone conversations how much our light bill is, phone bill, car payments, etc. they think they need to know all this info when it is none of their business. They have also called at 9 PM. We have 2 kids that’s a No no!! We fell behind due to an emergency surgery for our son and there response ” we don’t care about your son nor his surgery, if you cared about your son you would be more worried about a roof being over his head!” Now this happened on the 21st 6 days after the payment was due!!! I truly hate this company and I don’t see how they are not shut down. I’m sick of the loan officer Jeremy weaver we get harassing phone calls from him ALL the time!!!
21st Mortgage Corporation Reviews & Complaints
21st Mortgage has called our home daily for the past week asking us to contact our neighbor – who is their customer – in regards to her debt. we have zero to do with company & our neighbors debt. the have NO reason to call us. we do not work for them. they state our neighbors FULL name each time they call our home. never heard of this company until the calls started, but sure found numerous websited dedicated to complaining about them. shocking that after so many complaints nothing has been done to make them stop. we complained to the FTC, BBB & our state attorney general’s office.
21st Mortgage Corporation Reviews & Complaints
21st Mortgage is pretending to still be in business via their website, but they lost their financial backer and have no money to lend. They are currently just working as bill collectors collecting on our loans. This company will not work with you on refinancing your loan or modifying your loan. They will not let you skip a payment if you are in financial hardship and add it to your end balance like other mortgage companies I like millions others lost my high paying manufacturing job in Nov 2008, rather then go on unemployment I took a much lower paying job. Moreover, 21st mortgage lied to me, and countless others, stating that my insurance and taxes were included in my loan payment. But it wasnt and now my supposedly fixed payment is now 200.00 dollars higher then when I signed up and my salary is close to half so I am currently paying 90% of my current income for this payment, and thus this month I am late. I was called last night by a Manager who demanded I move out of my house and I am only 20 days late. harrassing phone calls is the specialty of the thugs who currently manage 21st motgage. If you have a loan with them refinance to another company immediately because if you lose your job they will not modify your loan despite a federal government loan program that is available to them. (The making home affordable program) Escape this nightmare while you still have credit and can refinance. Someone needs to shutdown this corrupt business and transfer our notes to someone who can and will modify or refinance our loans to an affordable payment. Cindy in TX
21st Mortgage Corporation Reviews & Complaints
21st Mortgage is the worse company to be with for your mortgage, we lived in our mobile home for 16yrs in the last 2 yrs we had financial issues contacted them to explain, told them that a church was going to help with 300 and we would pay the other part. They called me hounding were was the money from the church told them it was sent they told me they did not receive it so the church sent them another 300 and they told me they did not get that one either the church checked their bank and neither one of the checks were return we believe they took them. They called on Halloween for us to make a payment told them i would make my half since the church sent them 2 checks, he told me they were not going to except our payment and go ahead with the repo. They were rude hateful told my husband that he did not know the laws and my husband works for a police dept told us that we need to pay them and not our other bills. Then sent us a letter cash for keys if we volunteer to vacate the house they would give use 2000. We were so fed up with them being hateful and bullying we let them have the home. We vacated in the time we were asked and they was so wishy washy they told me we are not getting the 2000. DO NOT GET A MORTGAGE FROM THEM THEY ARE BULLY”S.
21st Mortgage Corporation Reviews & Complaints
21st mortgage not only has our payment gone up every year because of home insurance that is included in the note (they told us it was the insurance companies fault, but we soon found out they owned the insurance company), they call our neighbors, family, and call at work even though they have been told not too, we are only a month behind and they will not work with us( I asked about the loan modification and they said they do not do that), they already sent us a default letter, I have had a lower paycheck b/c of work slowing down due to the economy, but they don”t care. They have pretty much said everything on the phone they could without actually cusing me out. when we bought our mobile home we bought it from another comapny but before our fist payment was due they sold it to 21st. We can”t even get a copy of the contract. I think they are trying to push us out of our home. You would think that at a time like this they would be helping people instead of trying to push them out of their homes. Is there anyone who can help me deal with this people, I think we need an attorney b/c our rights have definetly been violated just at the fact they were calling everyone who lives on our street.
21st Mortgage Corporation Reviews & Complaints
21st. Mortgage and Palm Harbor are obviously in deceptive business practices. They mislead and connive in all of there business. I now am the proud owner of a home that is improperly placed on my lot, it has missing and faulty wiring, the support beams collapsed and floor sags all within the first few weeks and that is just the home. then 21st comes in and threatens, and harasses until you are in such duress you cant think straight. all the while their shoddy business practices they inform you are your problems.
21st Mortgage Corporation Reviews & Complaints
About 10 yrs ago I heard a advertisement to refinance my home for a lower rate, That was 21st mortgage, they denied my request. Then next thing I know 21st has bought my loan form Chase !!! Now I have to put up with constant harassment from 21st, they call constantly, sent threatening letters, they try to put there insurance on my home, calling my family, friends and even at work. I am rarely more than 2 wks late on a payment, but when you get to the 10th day late, they really turn it up, and get nasty & rude, hateful, just plain awful ! ! I don”t know how it is legal for 21st to assume my loan without my permission then harass me on a consistent basis, They use illegal collection practices, calling at work, ect I have been dealing with these crooks for 12 years. I would like one of them to come to my home and try to talk to me face to face like they talk to me on the phone, NO RESPECT I do not recommend anyone to do business with 21st Mortgage or their insurance company. They are thieving, disrespectful, greedy, it is because of companies like 21st that we have a mortgage crisis.
21st Mortgage Corporation Reviews & Complaints
Beware! Beware! 21st mortgage company is a horrible lender. They call you everyday if you are just 1 week late. We were blessed to refinance and get from under those crooks. They sent representatives to our home on a sunday morning to find out when we were going to pay. I informed them that we were in the process of refinancing and they said they will be starting foreclosure proceedings. Lucky for us we are getting our. Please, please, please whoever is listening please go with someone else. They love to strongarm you with saying they are going to forclose on your property.
21st Mortgage Corporation Reviews & Complaints
Bought my manufactured home mortgage from another lender in 2007. After having paid my timely payments over the last eight years I”ve recently discovered they claim I have only paid off $3640 after having paid over $30k on the loan already. I am confident there is creative financing and TILA violations here. I have an appt with a real estate attorney next week, and am arranging for a forensic audit of the entire life of the loan.
21st Mortgage Corporation Reviews & Complaints
buying our first home 2 years ago we went thru this company 6 months after we signed papers my husband was in a horrible car accident and broke his back the day the payment was due they started calling and at one point said unless his legs got cut off he needs to get up go work and pay his bill. They have yelled harassed and will even leave text messages and voice message up to 6 times a day they call 2 days before payments are due. I had to tell them to quit calling and texting us we will pay the payment just like we do every month. they threaten to take the home away every phone call. Then to make matters worse we found out that we we paying them taxes $16000 more than we even paid for our home and they havent fixed the tell us that what they feel the home is actually worth so instead of paying taxes on a mobil home we paid $32, 000 for we pay taxes on $48.000 and it hasnt changed after all the request. So now we are stuck with a company with no compasion and very rude and disrespectful employees. God forbid you people ever fall on hard times and you have to deal with people that treat you like your company treats people by the way the people you treat like this pay your wages so maybe you ought to realize that when you treat people this way it will come back to bite you in the rear.
21st Mortgage Corporation Reviews & Complaints
Calling every month stating that our payment is due in the first but doesn’t have a grace period but on my mortgage booklet says we have until the 16th to pay without late fees. The last I checked that’s a grace period!! I’m tired of being harassed everyday! The mortgage is paid every month!! Why give this grace period of your gonna call and harass me everyday till it’s paid. Honestly everyone that has to deal with these [censored] should file a lawsuit against them for harassment. It’s not ok and you aren’t the only bill people have to pay!
21st Mortgage Corporation Reviews & Complaints
Do NOT do business with this company. They will harass you 2 to 3 times a day, lie to you to get personal information and unlawfully threaten you on a constant basis. I am behind on my mortgage and have been cooperating with them fully. Today I get a surprise phone call stating that everything I”ve been told is a lie and that if I don”t come up with my arrears by TOMORROW that they are pushing for full default. The lady even stated that I should move out and have all my utilities turned off, sell everything I own including my car (which isn”t worth anything anyways) to pay them right now. Then she changes her story and says that I shouldn”t move out but I should still have my utilities cut off. The list just goes on and on with what she has said. Unlawful and ridiculous suggestions. I understand that their priority is the company and getting their money but this is ridiculous, unprofessional and it”s NOT LEGAL. This company also targets uneducated poor people, which is what I was, when I agreed to this loan and it”s terms. I was very young and knew nothing about how mortgage interest rates worked. They claim this is a real “mortgage” loan but it is in fact a personal loan. They are charging me close to 20% interest but they are using a mortgage calculator.. on a PERSONAL LOAN. You cannot receive any of the government breaks, but you are paying the dues without any of the benefits. And SURE they are easy to finance through.. no wonder. Now it seems that there is complaint after complaint online about them, unfortunately, there was not such a collective list when I signed for my loan. I am really surprised that they have not seen more legal action. I suppose that the the benefit you get when you are dealing with poor people. They usually don”t have the money laying around to pay an attorney, obviously, since they are late on their payments.
21st Mortgage Corporation Reviews & Complaints
Fighting with this company for ten years. Corrupted, decieves, inaccurate statement, no billing statement, fraundulent, counterfeit fees, harrassing phone called, manipulate and no correct form of tax statement and being sued by this company and being sue again without proof of where and why I’m being sue for. They even added my wife on the lawsuit and she’s not on the house contract. They threaten me every year on Oct. Nov. and Dec. and every year I have to use my irs monies to paid them in Jan. If you know or how to get help please notify me.
21st Mortgage Corporation Reviews & Complaints
Have called every month for 10 years 2-3 days before the payment is even do. Have tried to work with them and split the payment into 2 per month but won”t do it. Threaten to take my home away. I have to ask every years for my taxes how much I have paid in interest and taxes and insurance. If I do pay more a month they put it in some dumb account that doesn”t go against the principal. They are just liars and Crocks.
21st Mortgage Corporation Reviews & Complaints
I always make my payment early. I received a letter today stating that my payment was late. I checked my bank account on-line. My check to them posted on 8-4-09. It was due on 8-06-09. They are a bunch of ###s threatening to turn me in to a credit bureau. I have always had perfect credit. They also send letters threatening to raise my payment for not having insurance. I have always had insurance with the same company I use for auto. Every few months I have to go through the hassle of getting my insurance company to send them proof of insurance. I did not choose this company, but m Chase sold some accounts to them. As a result of their bad customer service, I will be getting rid of them and going through my credit union and getting a better rate a the same time. Nice to see that others are also having problems with them.
21st Mortgage Corporation Reviews & Complaints
I am a 48 year old disable man with a wife and three kids, who are trying to pay all my bills when I am suppose to. but things do happen She had to have surgery on her shoulder and they said she will be unable to work for at least three months maybe more. And this has put a hard strain on all. Me the most cause I am doing all I can to pay 21st. Each month the best I can. My days are short witch they do not care at all then they lied to me about taking my home. I spoke to my attorney and was told he is just blowing hot air. Even if they send the intent to repo as long as a payment is sent in the allotted time nothing they can do but blow hot air. Most of the people there are nice but this one supervisor who has no care for no one but the money he makes. Just put him in my shoes for one week or any one who is dyeing and knows it but is still willing to keep on paying his honest debt the best he can. I say Whoa unto him for his days on earth are number least he fine Christ. Just a shame how rude a man can be to someone who is doing his best to pay his bill. Then list ions in on a phone call cause he knows he done wrong. Well he will have some sleepless nites cause God says do not hurt my children which he has done. Please pray for this mans lost soul which hes has stated he does not care about it . but will when it is to late before God. Thank you Jesus for Justice. Amen
21st Mortgage Corporation Reviews & Complaints
I am not only having financial problems, i am also having health issues. I am self employed and due to the health issues I cant work as much. I am behind on all my bills so I try to pay the important bills, lights, mortgage and food. I cant make the mortgage payment until the end of the month. I have done that for months. Last nite, i wasnt able to get the payment in because I was at the ER for asthma. I called this morning and got the two worst people talking to me so very rudely. Asking questions that wasnt called for, telling me that they would not take my payment. Telling me what my responsibilites are. They were so upsetting and rude, my anxiety level was over the roof. I was told to do a hardship paperwork and make the next payment by the 24th or they would not take the payment. I have rights and if I am not 90 days late why be treated this way? i read other complaints about this company and I never knew I wasnt the only one . Kayla and Katlin you need Jesus. I should be treated with kindness and respect. Especially since I was calling to make the payment. Lisa James August 1, 2018
21st Mortgage Corporation Reviews & Complaints
I called in to make and payment on my loan, I kept getting transferred to different people who were extremely rude and nasty on the phone. I spoke with a manager mark and he was so rude to me and told me I was just giving lip service as to why my payment was late. I asked to speak to his boss and I got nothing he was just asking rude as everyone else. This company is awful. No matter what I call for this is how I’m treated
21st Mortgage Corporation Reviews & Complaints
I had my mobile financed through chase mortgage in 2000; was told by 21st mortgage out of knoxville, tn back in 2005 that chase sold out my mortgage to their company and thus has started my nightmare with this company. Never have I felt so threatened and helpless dealing with a company. All the complaints I have read are so true!!! I thought me and my family were the only ones being targeted by this company. We have experienced calls at all hours, calls during national holidays, threatening phone calls, and degrading phone calls. I am like many of the complaining parties; I have tried so hard to work with this company; I have fallen behind; been able to catch up. As of this month, I am one month behind. I too, have at one point asked to have an extension of the one month but was told that it would be illegle to do a refinance due to the location of my home (Tribal lands). I have consulted with legal advisors and was told that is not so. This company will not listen to reason; you can talk yourself blue in the face, explaining your situation only to have them laugh in your face, call you a lier, and snicker on the phone. Everything, everything, that customers of 21st mortgage have complained about is true, true. I have been so many account managers I have lost count. Everytime I get use to working with one person, I am switched and when asked why my account managers keep changing, I am told that I am refusing to work with them!!! Like I read in one complaint, why can”t one account manager be responsible for just taking your payment, but no, after you make your payment, the person puts you through to a manager, only to be chewed out, ridiculed, and left to feel even worst than ever. I have only scratched the surface, I have not even gotten into complaining about the countless repairs/faults with my fleetwood mobile home. I too do not feel up to answering calls from the company because I am constantly being harrassed and threatened that they will repo our home. Is there someone out there that can rescue us from this nightmare by putting this company out of business. Isn”t this enough testimony from us innocent homeowners!!! Please help!
21st Mortgage Corporation Reviews & Complaints
I have a home loan with this company. This past month I was laid off of my job suddenly due to contracting issues (state employee). We have done our best to budget but it has been a problem of course. We have been able to work with other companies and get extensions as necessary and be treated respectfully. With 21st we have been able to work out a plan for me to pay on a certain day with a $50 fee. Although I think to fee is extreme I do not dispute it, but I do have a problem with the service received. I was contacted by our loan manager, Sam, and was interrogated on why we cannot make a payment immediately even though I had explained our situation multiple times. I also explained that I would be starting work soon and will be receiving money to catch up within 2 weeks. I then talked to his supervisor, Rachel. I asked to have a private conversation and that Sam would not be listening in. She laughed and said “He will be aware of anything we talk about”. I let her know I understood but would prefer he would not be on the phone. She was very rude from this point on. I let her know I did not appreciate how she was handling the situation and I would appreciate her understanding. She was still very nasty for the remainder of the call. We worked a payment plan out and I asked if she has a supervisor I could speak with. She explained that it would not help and the payment was set. I let her know I accept the payment but would like to speak with her supervisor. She then put me on hold before answering me. I was on hold for 10+min before speaking with someone else. I was pretty upset by this point and tried explaining the rudeness and the unprofessional attitude of her employees that I have been experiencing. She let me know she has been working with both of these people for a while and there is nothing she can do. She then went to explain that they are not in the business of “customer care and only collections”. In my opinion if you work with people you should take care for what you say and have respect for people. I do not think it is OK to treat people with such rudeness. As stated before I do not wish to change anything with my payment or its arrangement but would like my experience with these very rude people to be known.
21st Mortgage Corporation Reviews & Complaints
I have had my loan for almost 14yrs. I have never been late once until I recently was disabled from the military. I have not worked since Nov 07 and my daughter has been paying my house note and all my other bills along with her mortgage payment and her own bills. I was contacted by Lisa at 21st Mortgage about my payment being 4 days late. I explained to her that I had told Brad whom also works at 21st Mortgage that I was disabled and have not received my military nor my SSI disability reward yet. I am currently also on food stamps. I was totally disrespected by Lisa and her so called supervisor. Her supervisor stated Lisa would never be disrespectful. But Lisa was and told me I had no options but to pay on time and was told that did not believe me about having no money. After being talked to like a dog from Lisa, I told her to f off and never call my daughters phone again. Just in Aug 09 my daughter paid 6 months in advance. Up until Feb 2010/ So u would think I could be a little late on this payment. Lisa told me they would also charge me a late fee. so i told them to come foreclose on it if they were not willing to work with me. Since they just took over my loan from Cit as of Feb 09. This company is idiots. They are no longer in business as loan officers. All they are are collectors. 21st Mortgage lost being able to loan money or extend payments. So u know what 21st Mortgage go jump in a lake. Do what u got do while I a veteran of 17 yers of the military will do what I have to do. Bring it on u stupid ###s. I could careless what u do. Because ur not getting my payment until I get the money from somewhere to pay u. U sure as hell didnt mind or be disrespectfull when u got my house payments 6 months in advance. But yet ur going to charge me 50 for being late and yell and try to degrade me. Whatever. I have reported 21st Mortgage to the Better Business Bureau and my congressman for Georgia and will continue reporting 21st mortage for their illegall harrassing calls 24/7 and breaking privacy laws. If you need to contact me 21st Mortgage, u know where I live in Georgia.
21st Mortgage Corporation Reviews & Complaints
I have had my mortgage with this company since day one. Five years ago we had to file bankruptcy due to medical bills. WE were told by our lawyer to file chapter 7 but we chose to do chapter 13 (I may have that backwards lol) anyway we wanted to pay our creditors because they were our bills we simply needed a way to be able to pay them with the financial burden we were put under due to my husbands becoming a disabled veteran. WE had NEVER been late on a payment to them. During the term of our bankruptcy because we had our house insurance and everything through this company and no other insurance company wanted to touch us because of the bankruptcy we were forced to continue our insurance through them. Because of the insurance lapsing quarterly you are required to renew the insurance each quarter this therefore increased our bankruptcy every quarter. At first our payment was 945.00 a month two years to the bankruptcy paying out it had increased our payment to over two thousand dollars a month. WE could not afford that especially considering that I had gotten very sick and was unable to work due to the seriousness of my illness for a time. We were kicked out of bankruptcy due to not being able to afford the payments. I called them to find out how much the payments were so that I could start making the payments directly to them again. They stated that because the bankruptcy was not paying them everymonth but typically every four months they received one months payment I had to catch up the payments that were behind and pay all the interest that was lost during the bankruptcy time frame. They did state that I could make double payments every month and I set up the direct payment as they asked me to do. I gave them the information from our new checking account as the former way that we had paid them before the bankruptcy we no longer had that account. They tried to draft the first payment from the old account. When I called them two weeks after the payment should have processed and asked why the payment had not been taken from the account they stated that I gave them incorrect account information. I asked them what account information they had they proceeded to tell me the old account information. I told them that we had not used that bank in some four years and they stated that they do not maintain the payment information after that particular payment information expires which it would have due to the bankruptcy. I NO LONGER even have anything from that old account and could not NOR did I give them the information. I asked did they not have the information from my present bank and they stated yes but that was the OLD account that they had used before. I told them that it was APPARENT that someone had reversed the information. I asked them to please process my payment from my account that was correct and they stated that they did not make the mistake and even if they did that they could not accept payment drawn off my account and that I had to either western union the payments or send money orders next day delivery to them. I did this until I spoke to my lawyer at which time I was informed that if they refuse payment of any form that they are equipped to accept that it would result in their forfeiting their claims to any future payments and the account would legally be considered paid in full. When my lawyer called them to explain this to the account manager he was told that he did not know the law and that he was a liar and that they would and could refuse payment with NO penalities or legal ramificiations. He then gave his liscense number and who to contact at the state office to confirm and was put on hold. Within five minutes they tried to reverse what they had told my lawyer and stated that they were not saying that they would refuse payment and that it was the companies policy to accept all payments but that within their legal standings if it was not a full monthly payment at a time when a full monthly payment was due that they would accept the payment but it would not nullify the remainder of the payment due and that foreclosure could result from a late payment. They were then told by the lawyer that you must be a minimum of three monthly payments late in order to start the foreclosure process unless they petitioned the courts for a hardship but that the borrower could also petition the courts even after a three month foreclosure notice for a hardship and that in todays economic hardships that courts were ruling more in favor of the borrowers hardships rather than the lenders. So needless to say I have found that having a lawyer call for you has resulted in them actually being a little kinder.
21st Mortgage Corporation Reviews & Complaints
I have this mortgage provider and ican say I have never had any problmes whatsoever. Liz wilson is the best person to talk to at that company. They have always worked with me and are always friendly! I work for a mortgage company and know what is a good or bad mortgare company
21st Mortgage Corporation Reviews & Complaints
I paid my loan off with 21st Mortgage Corp., but yesterday I got a brand new payment book in the mail. Of course I was told it was a computer error. What if I wasn’t aware of my payoff date? LAME!!!
21st Mortgage Corporation Reviews & Complaints
I too have a mortage with 21st. I currently have my mobilehome listed for sale. I owe way more that what it’s worth. 21st has said that they would accept a short sale, but I would still be responsible for the difference. Has anyone done this with 21st? If I just stop making my mortgage payments, how long does it take before you are forced to move? Will they come after me, like garnish my wages or something? Does anyone know?