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21st Mortgage

United States,
Tennessee

Consumer complaints and reviews about 21st Mortgage

cariann Send email
 
Jul 10, 2014

Amount owed going up instead of down

Took up payments on a mobile home financed through 21st Mortgage in 2005,they said there was 7,000 owed on it.Well 4 years later we call to find out payoff amount and they say 17,000..WHAT? We felt like we were stuck,didn't want to ruin our credit and be homeless. We thought at 4000. a year it would be 4 1/2 years it would be paid off,and we would never have to deal with them again. Well today 7/10/14 we asked for a payoff amount and they said 14,500,NOOOOO! I don't understand this,what are we gonna do,we cant pay on this for the rest of our lives. Any ideas on what we can do?
Frank Send email
 
Oct 10, 2012

21st Mortgage Preditory loans

I have had my mortgage loan with 21st Mortgage for 14 years and I pay about $600.00 dollars a month, that comes to over $100,800.00 dollars paid to this company and all that has been applied to the priciple of the loan is $1,350.00! If thats not preditory lending I don't know what is. This company is harassing my family every month either over the phone or by mail. 21st Mortgage is a preditory loan company that preyes on people the same way a parasite does sucking the blood from you drop by drop! They will charge you extraordinary fee's for just being a few day's late on your payments! Please watch your account very closely and check your balance every month!

God bless you all and good luck. Remember to Fight! Fight! Fight!
Frank Send email
 
Oct 10, 2012

21st Mortgage

We have had our loan with 21st Mortgage as our current lender for the last 12 years. We have been paying on our home since 1998 and it is now 2012, I checked what is currently owed on our loan, we have been paying $600.00 a month for 14 years which comes to $100,800.00 and only 1,350.00 has gone toward the principle. What is wrong with this picture people? Watch your accounts very closely people and check your balances! This is predatory lending at it's best! I haven't even got into the harassing phone calls and threatening letters. This Company and the people working for them are parasites living off people the way a leach lives off a persons blood.

God bless and good luck to you all on fighting this injustice. Fight! Fight! Fight!
User273215 Send email
 
Apr 11, 2012

unlawful and harassing

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.
User930205 Send email
 
Apr 11, 2012

unlawful and harassing

I made arrangements on April 6th to pay my payment. I'm now late due to seeing a specialized doctor and visit I had to pay for. The visit was $200.00 I currently have a bad back and health problems that I have to see different doctors for. I see a pain clinic and also another special doctor that I have a high deductible for. I have been in and out all the time for this constant problem that I have had for over 3 years now. Obviously I don't plan on when a emergency comes up, I just now that some doctors I have a higher deductible than others. With that being said my husband had been contacted by 21st by Vicki Ho who is our Account Manager. Once my husband had spoken to her Vicki then passed the call to her supervisor. My husband had told them that due to one of my appointments I had to pay money for that visit and it was an emergency. This supervisor had said, what does your wife spend her money on? If she is making $600.00 every two weeks we believe she is blowing her money. The supervisor also stated "you said a month ago you said you had an emergency at that time and you were late on your payment then." (which we were) We were late that month because I had to go into the hospital. Then the supervisor stated that she has to pay Vicki for her job, she has to pay the electric bills, the phone bill to call us and they have to pay them every month to call us! It seems that every time that we have made arrangements we are and have been bashed. I understand completely that it does stink if we are late. I apologize for life. But this is so unprofessional for them to treat us like this! I am so sick of them. I wish we could pay off our mortgage right now just not to deal with them. I am SURE that we are not the only ones who have been late. We have never been more than 3 weeks late. So I am sure that they have much worse cases than us. I hate being with this company, I too hope they get their turn.
SJJJP Send email
 
Feb 29, 2012

Harassment

This company is like no other we have ever dealt with. They call all day every day on every number they have. They have gotten our neighbors number somehow and have been calling them and I have no idea how they have gotten there numbers. Even if u send them a payment and its just a couple dollars short they are calling saying they can't do anything with intil they have received all of it and then they start adding all of these late fees. They are very rude when they speak to us always threating to take our house. They have even sent people to our house saying they where there to see when they was going to receive payment but when you go in the house they start taking pictures. And we was only a month late when they did that!!!
Cnbt Send email
 
Feb 29, 2012

Harassment

I don't know who the manager is I've dealt with but her & the other lady are complete bitches. I have never dealt with a company like these people if your 1 day late they will blow your phone up it's ridiculous & what's bad my name ant even on the house its my boyfriends & they tell me I'm just as responsible for the notes as he is. They have asked me how much child support I get a month that's none of their business we was 18 days late making payment & I was told they was coming to get it. They even asked how much freaking tax money we was getting back. Well after the payment was made & the next months payment were ahead don't owe till April they still acted like assholes asking me if the home was vacant okkk what does that matter they got their money so why do they wanna know if anybody is staying in it @ the time. Last year @ this time we owed 18000 on a 1997 model which is a dump when we called few weeks ago to see how much we still owed its only came down 1000 bucks & we have paid 4300 in this past years time you tell me what the hell is really going on... Paid that much in a year & its only came down 1000 bucks lets get real here people this company is a complete ripoff & if everybody they doing this way would get together hopefully we could stop this mess!!! Were @ the point now soon as we can find something else we will either try to trade it in towards another one or just let it go back
Tiredofitwalkingawayfromitall! Send email
 
Feb 23, 2012

harrassment and rude

OMG I thought we were the only ones this has/is happening to..We have had a hard time and have been told to sell everything to borrow money..to move out so they can get someone in our house that can pay..then asked repeatedly when we will be out.. we are told the community we live in will evict us..and ive told the rep that they wont do that because we are paying the lot rent..I/we have talked to 4 seperate reps that all had the same rude attitude and told us the same thing..and YELLED at us..We get called multiple times a day..Ive told them that they need to work on their customer service and was told we are not customer service we are a collection department..to which i respond Colorado has laws against creditors!! These people are the worst people I have ever dealt with..If i worked the way they did I would be so embarassed speaking to people in that manner.
Srf Grl Send email
 
Feb 23, 2012

this company lies to you!!

Stand firm and call their bluff. My mom is 80 and asked if they would lower the interest rate to 6% because of the economy. They said no. Currently 3 months behind. Phone calls twice a day, an now is in default. Can't get moneys worth out of trailer. Mom is stressed to the max. They don't care. Class action lawsuit? They are owned by Warren Buffett. Wonder if he knows they are kicking elderly people out of their homes. Hey Warren, DO YOU CARE? Won't accept partial payment. Social Security only goes so far. Times are hard.
Galaeowyn Send email
 
Feb 23, 2012

harrassment and rude

We have had 21st as our mortgage holder for 3 years now and the first year was perfect until we got a little behind. We realized we were going to have to be late and called them a month early and asked about one (only) time payment deferral, they said they didn't do that. We said fine we'd be late then. From then on it has been a horror show! So letting them know ahead of time is pointless because they don't make agreements or arrangements of any sort. We even attempted to work with a loan restructuring program and they told us that under no terms would they work with any federal or state entity that if we weren't "losers" we would pay up! They have been demeaning to myself and my husband, they have lied to both their lawyers and the court systems about how late we were in order to file foreclosure on us on more than one occasion. The first time we were barely 3 months behind but they filed that we were 7 months behind. then we were 2 months behind and they said we were 5 months behind to the court. If you or I were to lie to the court system so flagrantly we would be charged with perjury yet they just powering on through like its another day! We even tried communicating with these people via email to avoid the demeaning verbal abuse but of course I'm sure they don't want to put anything in writing because we never get a response. If we could refinance we would but our financial situation isn't where it needs to do so in this economy. Something needs to be done about these nasty people!
Galaeowyn Send email
 
Feb 23, 2012

harrassment and rude

Lies are lies too...and I tried to work with them and they refused to. If they hadn't refused to work with us when we came to them with a problem after having been on time every time with them up until that moment. Then none of this would have happened.
CindinTX Send email
 
Feb 23, 2012

is a Fraud

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
Home Issue Send email
 
Feb 23, 2012

is a Fraud

I totally agree with you they are harrassing me and threatening legal action and i am only 30 days behind and it was due to me being unemployed and a severe medical condition. Any one know if they can take legal action is i am 30days behind
JRE1 Send email
 
Feb 23, 2012

this company lies to you!!

My experience with this company is like everyone else, I bought my mobile home in 2003 with the CITI Financial which then went to Green Tree Financial. I currently paid my payments in full for august 2011 it totaled 1000.00 I then received a notice that my acct has been bought by 21st Mortgage need i say more, anyway the first payment i made to this company I immediately spoke with the most rude person but i kept composure and professionalism. I am currently 6 days behind today Nov 10th I called 21st to set payment arrangements well I have received four threatening letters this month alone and numerous phone-calls I spoke with a so called supervisor female who insisted I sell borrow, pawn get it from family whatever it takes this lady pushed me to the edge I am going to do whatever it takes legally to help take this predatory lender down I am a ordinary hard working person who has felt the hard times with the economy and health, we all need to stand together. I am researching like everyone else to find a way to "set it right" don't let these people bring you down if it wasn't for us there would be no them we deserve better keep fighting file BBB complaints and contact your state attorney general it might seem like a waste of time but it needs to be done.
Mouse2011 Send email
 
Feb 23, 2012

harrassment and rude

in response to TheLoveFistXIV, you obviously are an employee of 21st mortgage and thus are a jerk just like they are, as to your response the person above didnt default and if you had read completely 21st isnt paying the homeowners insurance as per agreements written into the mortgages when they are first signed. that is considered FRAUD. So quit defending a corrupt company and realize that they wil be brought to justice.
Mouse2011 Send email
 
Feb 23, 2012

harrassment and rude

If all the youcommenting on this would bother to go and read some of the other complaints and BS that 21st has pulled on other people in very diffucult situations like layoffs, heart attacks, etc, then you may GET THE POINT!!! Quit defending them, they have NO right to treat people with disrespect, rudeness, fear, threats, or harassment, the Big mortgage companies do not do this, and i don't believe 21st should be allowed to either, and by the way there are grace periods on mortages and could understand if people were just never paying them but in ALL cases this isnt happening. I have read all the complaints and wish i had NEVER NEVER gotten a loan with them.
Mouse2011 Send email
 
Feb 23, 2012

harrassment and rude

impudent 1, that may be the case, but you are ok with people calling and cursing you and demeaning you and yelling at your kids over the phone and when you do make arrangements they go back on them. I believe anyone has the right to mistreat anyone i dont care who you are. You must think its ok for some to beat the crap out of his wife too, that is the way you are coming across, and they arent paying the homeowners insurance that is written into the mortages, that is a real problem, but you must think its ok since you work for 21st . No im not nieve or bias, i believe in treating people with respect and dignity, regardless of circumstances because you never know you may be right there one day and i would hate for someone to be just as rude to you and you needing them to work with you. Why dont you go read a few of the other complaints and then see if you are ok with how 21st does business.
Mouse2011 Send email
 
Feb 23, 2012

harrassment and rude

impudent1,
if someone is just screwing off and not paying their bills then yeah they need to be defaulted on. This isnt the case and when you do hang up these people are still rude and call from 6am til 10pm and harass, it hasnt happened to me but to a friend who called and made arrangements and they still didnt care. And the ins is theirresponsibility they have done it to 6 other families in my park alone and we have gone to our agent and they did write it in just havent paid. its wrong and fraud on 21st part. Im biased when you disrespect people regardless of circumstances, it will one day come back on you and bite you for how you treat others. It may not be their responsibility if a layoff happens but what happened to careing and conern for people its not your fault if you get laid off is it, no and if you really tried and made arrangements and still got treated crappy you would be just as angry as ALL of these people who have been hurt by 21st. Its an observation.
Kayrose Send email
 
Feb 23, 2012

harrassment and rude

I am in agreement with Mouse. We also have 21st mortgage, have NEVER been late on a payment and we are still being screwed. First we found out they didn't pay our property tax (it was suppose to be included in loan amount) our payment went up because of that to include it in the loan at that time and then a few months down the line, we find out they are no longer paying our home owners insurance which they did for a year but then decided we no longer had any escrow. So it's not everyone's fault, when in fact we are doing what we are suppose to be doing. Think about it before commenting and walk a mile in someone else's shoes!! When you sign loan papers with a mortgage company, you are suppose to trust that they will follow what is written in the loan you signed and not change the rules down the road to suit their needs.
Sean Stone Send email
 
Feb 23, 2012

harrassment and rude

This company calls and harasses people even when you are one day after your due date. they also are not keeping their word on paying homeowners insurance that is written into your morgages. Furthermore they will tell you to sell all you own to pay them and accuse you of being a low life and that if you cannot pay then you need to get out so they can move someone in that can pay. I am asking ALL of those affected by 21st mortgage to PLEASE call the Fedral Trade Commisson at 1-877-382-4357 to report this company and then to call your State Attorney General and then to call the Attoreny General in Tennensse at 1-615-741-4737 to file a complaint agaisnt 21st Mortgage, if we all ban together and do this i believe we can shut them down and save future families from the terror and harm that 21st will and can cause to people.
Mouse2011 Send email
 
Feb 23, 2012

harrassment and rude

in response to the other comments you need to read the other complaints against 21st mortgage. And remember you do not know the whole story.
Dorothy Send email
 
Feb 23, 2012

this company lies to you!!

This is a company that harass and call all the time even when they know when you'r going to call a payment in, i think they do it so it looks like we don't care and arent doing what we are suppose to. they are always threaten to take our home away and the most we'v ever been behind is 3 months, and that just happen at the end of this past year 2008!! we recently went through some rough time, the last 3 months oct, nov, and dec of 2008, well i kept them informed all of those months on what was going on w/ us, then come dec of 2008 i spoke to them like i had always did and they told me if they saw we were trying to make payments that they would make a payment for us!! oh by they way my husband herd this phone call as well. well i got in w/ some company's before the end of the month, and found one to help me, they paid the amont that 21st morgage said we had to pay, but they day of them knowing they were going to get this payment they changed they story, now the money had to be in by the 30th of dec 2008 or they didn't have to make a payment for us!! they know they have went through this agency before and knew they wouldn't get their payment in time, that really bothered me because i did my part and they just right out lied so they could get out of doing their part!! now 2 weeks later after they have recieved their mony they have serverd us another default later saying they need almost 5oo.00 by or before the end of the month jan 2009, they know we can't do it and they still just threten to take our only home from us!! i know we owe them and we are trying to get caught up, but no matter how much i talk to them they don't offer eny help to us they just keep harassing us!! i whis somehow we could get out from under these lieing harassing company. who knows they might have us out of our home this year by working the way they do!! i hope someone out there reads this and helps!! thank you for you'r time!!
Donna24 Send email
 
Feb 23, 2012

this company lies to you!!

i have this company as my mortgage company and all they are interested is there money..as i get calls from them all the time and they even contact my owner of the park where i live that i owe them money when they know i will make a payment when i can ...i called them yesterday with a partial payment and i told them that i had some others bills due also and i got told that I should of PAID my mortgage before my fuel bill and the cable, interenet, phone bill and i should have MY CABLE, PHONR AND INTERNET DISCONNECTED AS MY MORTGAE PAYMENT WAS MORE IMPORTANT THEN THE OTHER BILLS THAT I HAVE...I tried to explain the i have a special needs child and they didnt want to hear anything about a disabled child and his needs as he is on medicine as he is diabetic and he is insulin depentdant which means he cannot go with out his medications, , , they tried to tell my that the mortgage was more importanat then the other bill i have...they are only interested in getting there money and nothing else...
Shannonranee Send email
 
Feb 23, 2012

this company lies to you!!

for those who say they wont take your trailer -YES they will. my husband and I got divoreced. the ex refused to pay half even though the divorce decree started he had to. then I rented our trailer out to help out with the payments well after 3 moths the renters quit paying - once we were 2 months behind they repoed the trailer. on top of that bull shit we ouwed 48 k (it was a hug double wide). we had a buyer who wanted to buy it for our pay off 12st mortgage falt refused and stated tehy would only accept 52k for it. well after they repoed it we got a lett in the mail stating the amount we owed for pay off had they not repoed it was 48k and then those assholes turned arounf and sold it for 18k and now are trying to say we owe the difference - we had a buyer for the amount that was owed to them - it would have been paid off 100% so in my opinion they forfeited the difference of what we owed and whatthey sold it for when they could hve gotten the entire amount and they refused. they they had the gual to send papers to the IRS so we have to claim the difference as "income" - hell no it was an income it was a HUGE loss. I would lvoe to see a class action suit against these scumbags.

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