Consumer complaint received 2022-08-30
Company: 21ST MORTGAGE CORP.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
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.

Company response to consumer: Closed with explanation