Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (TX)

To whom this may concern, my name is XXXX XXXX. I reside in XXXX XXXX, Tx. I am very concerned that my mortgage servicer, 21st Mortgage, is steering my mortgage into foreclosure without offering me an alternative or an option to avoid foreclosure. 

I am a full time nurse but have fallen on some hard economic times because of the economy here in XXXX Texas. Oil production has suffered and has trickled down to the hospital 's business because of job loss and people here losing their health insurance. Loss of business has resulted in decrease in hours and loss of any overtime where I work. My income has suffered substantially but I am in the position now to be able to make my mortgage payments or a modified payment if 21st Mortgage would only give me an opportunity to do so without having to pay them the entire arrearage including late fees and what might soon be legal fees on top of that. 

I have a couple that is now contributing to my income that puts me in a position to be able to sustain my mortgage payment. 

When I first fell behind on my mortgage payment I spoke to 21st Mortgage and they were uncaring of my situation and frankly rude in telling me that I should get the money from family members or go to a XXXX XXXX, maybe they would give me the money. Fair Debt Collection Practices Act FDCPA 806, Harassment or abuse 15 U.S.C. 1692d - 21st Mortgage has been very rude and somewhat threatening when communicating with me regarding my mortgage. I do n't understand why 21st Mortgage feels the need to talk down to me or treat me so poorly. They treat me like a deadbeat and have no sympathy towards my hardship. 

I also know there are programs designed for struggling homeowners that have fallen behind on their mortgage payments. Why have n't I been offered any options or alternatives to foreclosure? I seem to get the runaround from them every time I try to inquire about some kind of help concerning my mortgage. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' I have been assigned no less than XXXX different account mgrs. since attempting to get some kind of relief or resolution. 1024.40 Continuity of contact - " Servicers are required to maintain reasonable policies and procedures with respect to providing delinquent borrowers with access to personnel to assist them with loss mitigation options ''. Why was n't I assigned a single point of contact to assist me in saving my home? 

I recently submitted a financial package to them ( modification package ). I was never told by them that this could be an option without paying them all that I owed. I am hoping that this package will enable me to get this back on track and give me a fresh start moving forward. 

1024.39 Early intervention requirements for certain borrowers - I do n't feel that 21st Mortgage has ever provided me with a " Fair Review Process '' for a modification, as required under the Dodd-Frank Wall Street Reform & Consumer Protection Act. 
" CFPB 's mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure '', " borrowers should n't be surprised by the start of a foreclosure proceeding until they have had time to explore all available options ''. 

I am asking for someone, at this point, to intervene and contact 21st Mortgage regarding my mortgage so the loan can be modified and put back on track. 

I thank you in advance for anything you can help me with, thank you, XXXX XXXX