Consumer complaint received 2022-03-09
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Re : account XXXX On XX/XX/XXXX, I purchased a mobile home from XXXX XXXX in XXXX XXXX, Texas and the lender is 21st mortgage. 
I would like to address an issue/complaint/concerns about your legal department and the unethical behavior I experienced from your department. Around XX/XX/XXXX, during the covid pandemic, I felt through some very difficult times and one of your team members recommended XXXX  emergency mortgage assistance program and while I was waiting for the intake and application, I was notified that my house was in the process of foreclosure. I keep in contact with XXXX as she identifies herself. And giving her the updates of the events. 
Unfortunately, XXXX XXXX work ethics showed to be unethical and VERY unprofessional. She mentioned the payment needed to be there by the XXXX of XXXX. I emailed XXXX  and the payment was sent out on the XXXX of XXXX allow 7 days to post which would be the XXXX of XXXX. She appeared to deliberately not respond to XXXX  when regards to the mortgage binder, she I feel waited to send the information in so I could lose my home. I have several emails that will be attached where she seemed to not acknowledge what the binder is. She also gave me the option to file a loss mitigation and I did but would only want to offer a payment for me to evacuate. Most of her comments were made as if she felt a high with belittle me and the satisfaction of me losing my home. I even asked if she would please consider the payment and she mention it was received but it was late, and she will not post it. I simply as for a act of kindness and good faith. She stated she could but would not. A representative from XXXX  spoke to one of her colleagues and she was also with the same demeanor and work ethics she explained that they are willing to send a mortgage check for the next 5 months. I recently had a few years of difficult times. But tired my best to keep my happy place. But during the year of XXXX. I lost my job and was seeking full time employment but could only find temporary, I continue to work and try to be good modern citizen and pay my debts. The death of my sister in XX/XX/XXXX due to covid. And later in the year, myself and my daughter were impacted by it, and it made it very difficult to try to stay financially stable. I am asking/requesting please reconsider the foreclosure. And reinstatement my home. I am currently getting financially stable and the help with XXXX  I will eventually be able to overcome this financial situation that the pandemic has put me in. 
On XX/XX/XXXX, my home was sold and bought by 21st mortgage and she was fully aware that XXXX  was assisting me and still sold. Financial Team of 21st mortgage showed poor ethical conduct And I would like resolve the problem, I would greatly appreciate it if you can consider stopping the eviction and allowing XXXX  to assist me with keeping my home. I will attach the copies of the emails and, I believe a representative from XXXX  also filed a complaint. 
Also, I would like to have these issues to be investigated or addressed, the check was post dated prior to sale, the mortgage binder was deliberately delayed causing me to be homeless by your employee who she states she doesnt have to empathic because she is the legal team thats not her problem that I couldnt pay my mortgage. She lacks professionalism, ethics, and human feelings. She was fully aware of the assistance, and I was approved, and she continue to proceed with the foreclosure while sending me emails of the information XXXX  was requesting and sending me to customer service team and would not want to email me the information stating it had to be mailed and she was not able to do it but did it in XXXX twice and XXXX. 
I am asking to please allow me to keep my home and the policy about when getting assistance from a nonprofit and the mortgage company willing knowingly about it if foreclosure still be enforced when they XXXX spoke to XXXX XXXX from XXXX  and fully aware that I was approved for assistance and to complete the binder which she withheld for about a month.

Company response to consumer: Closed with explanation