Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
I am filing this complaint regarding serious problems with my XXXX XXXX  serviced by 21st Mortgage Corporation . From the beginning, I experienced deception, mishandling of information, and improper loan-servicing practices that have placed my home into pre-foreclosure despite circumstances that were not my fault. 


-- - Timeline of key events XX/XX/XXXX : Viewed the home on the dealers overflow lot ; it was still sealed, taped, and wrapped. 

XX/XX/XXXX : Home delivered to my property. 

XX/XX/XXXX : Photographed the home still separated and plastic-wrapped. 

XX/XX/XXXX : At the instruction of dealership employee XXXX, I was forced to call 21st Mortgage and falsely confirm a walk-through that never occurred, under threat that my payment would rise by {$300.00}. 

XX/XX/XXXX : Paid for electrical hookup and submitted the application. 

XX/XX/XXXX : Power pole installed ( photos available ). 

XX/XX/XXXX Trim-out crew and early hardship : On XX/XX/XXXX, the trim-out crew arrived even though the home still had no working water or septic. On that same day, I was already forced to apply for mortgage-assistance programs just to afford payments on a home we could not yet live in, because 21st Mortgage had already begun billing me while the property remained uninhabitable. During their visit, the crew did very little work, broke my back door and my water hose, and left water running from my other occupied home since the new house had no utilities. A document that my son and I signed later texted to me by manager XXXX clearly states that trim-out could not occur until both electricity and water/septic were connected. XXXX was active on XX/XX/XXXX, but septic and water were not completed until XX/XX/XXXX, meaning the crews work and water use were done in direct violation of that agreement. 

A document that my son and I signedlater texted to me by manager XXXX states that trim-out could not occur until both electricity and water/septic were connected. XXXX was active XX/XX/XXXX, but septic and water were not complete until XX/XX/XXXX. 



XX/XX/XXXX : XXXX XXXX pumped the old septic tank so installer XXXX could tie the new homes plumbing into it. 

XX/XX/XXXX : I told salesperson XXXX the old home was still connected, meaning XXXX lines were running simultaneously. 

XX/XX/XXXX : XXXX completed the septic tie-in, illegally connecting the new home to the active septic system of the other house. 



Property installation and safety issues I specifically requested a new septic system for the new home. Instead, the dealers crew illegally tied the plumbing into the existing septic, still serving the older house, violating parish health regulations. 

My requests for a new system were ignored. 

The trim-out crew performed interior work before water and septic were functional, contrary to the signed agreement, and illegally used my outdoor water hose from the other occupied home to complete their work. 

These actions constitute fraudulent misrepresentation and unlawful installation directly tied to the loan-disbursement process. 



Construction defects and health hazards After setup in XXXX, multiple plumbing leaks appeared in the master bathroom and roof area. These were repaired, but only superficiallyno one opened walls or verified that trapped moisture and water damage were removed. 

In early XXXX, a major leak from a supply pipe ( not caused by user error ) caused extensive water intrusion under the double sinks, bathtub, and adjacent walls. 

This led to a massive mold eruption throughout the master bathroom, spreading into the kitchen wall directly behind it. 

Mold has also appeared around ceiling vents in the master bathroom and bedroom, suggesting that the earlier roof leak was never fully repaired. 

Despite repeated notifications, XXXXXXXX XXXX XXXX XXXXXXXX XXXX and 21st Mortgage failed to arrange professional remediation or inspection, leaving the home unsafe and uninhabitable. 

In addition, the appliances and electrical systems are now failing. The water heater has been spewing water and likely needs a new pressure-release valve. The dishwasher is malfunctioning, and a section of the homes electrical circuit had to be shut off at the breaker box ( affecting the pantry, kitchen hallway, and master bedroom ) because of random power loss. These failures indicate serious, unaddressed electrical and plumbing defects. 



Warranty and contractor misconduct I submitted my 30-day repair list with photos to the manufacturer ; no one came to complete the required fixes. 

The single change my son and I ordereda large farmhouse sinkwas never installed. 

When someone was finally sent to inspect repairs, they sent a worker who appeared to be under the influence of drugs, leaving me alone and unsafe. 

A trim-out crew member later gave my address to his girlfriend, who arrived uninvited. When I reported this to the dealer, they dismissed it. 

These events show gross negligence, breach of warranty, and disregard for homeowner safety by XXXX XXXXXXXX XXXX XXXXXXXX XXXX working in coordination with 21st Mortgage. 



Servicing and account issues Payments and assistance funds have not been applied correctly or clearly. 

There has been no transparency in the loan balance or escrow accounting. 

Hardship and communication requests were ignored. 

I was forced under duress to add my son to the property deed after being told it was required, which was false. 

When I sought help from a consumer-debt law firm before my sons bankruptcy, 21st Mortgage refused to cooperate. 

Representatives repeatedly belittled, harassed, and intimidated me through calls and emails. 



-- - Product misrepresentation The home delivered was not the same model originally chosen. The promised sage-green model was replaced with a gray home that differed structurally ( faux-brick bar front, crooked windows and doors, warped framing, and a malfunctioning fireplace ). 

I was told it was the same house, which was false and deceptive. 



-- - Violations and legal references These actions appear to violate : RESPA ( Real Estate Settlement Procedures Act ) failure to properly handle inquiries and servicing. 

Regulation X ( 12 CFR 1024 ) failure to respond to hardship requests and mishandling of payments.

UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) coercion, deception, harassment, and unsafe installation. 

HUD XXXX XXXX violations of installation, safety, and warranty obligations. 



-- - Resolution requested I request that the CFPB investigate 21st Mortgage Corporation and Regional Homes of XXXX XXXX XXXX for : 1. Fraudulent, deceptive, and coercive conduct during loan initiation.

2. Illegal property installation and unsafe construction practices.

3. Breach of warranty, negligence, and endangerment of occupant safety.

4. Full review of my loan history and payment applications.

5. A halt to pre-foreclosure and seizure proceedings while this complaint is under review.

6. Immediate rescission and termination of this loan due to fraudulent and unlawful circumstances.

7. Assurance that 21st Mortgage will cooperate with any attorney or third-party representative acting on my behalf.

Additional context Public complaint data from the CFPB and XXXX  show multiple reports of harassment, unsafe installations, and misrepresentation by 21st Mortgage. The company routinely responds only to favorable reviews, ignoring serious consumer complaintsdemonstrating a pattern of disregard for consumer-protection standards. 

I have hundreds of photos, screenshots, and documents available that show the defective conditions, installation violations, communications with 21st Mortgage and XXXX XXXX, and the resulting damage. I will provide all supporting evidence as soon as possible upon request or once an upload link is available.

Company response to consumer: Closed with explanation