Consumer complaint received 2022-08-08
Company: 21ST MORTGAGE CORP.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
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.

Company response to consumer: Closed with explanation