Consumer complaint received 2025-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: VA

Complaint narrative:
Problem is with 21st Century Mortgage XXXX XXXX XXXX XXXX, TN XXXX XXXX Loan Number : XXXX Home Owners XXXX XXXX XXXX ( I am on Title of home deed but not on loan and yes due to what found out later a predatory lender but telling you I am on the loan as " authorized to speak about loan etc? 
XXXX XXXX - Loan in her name because if aforementioned bad loan practices and tired of getting taken advantage of and her name is on loan, but I the husband am authorized to speak tot to them about loans and payments. 

Laying out below our 1st Mortgage are kind human beings and not and issue and we are ok here. 

NOT ANY ISSUES -Mortgage Company OUR FIRST MORTGAGE : XXXX XXXX  kind compassion and understands life 's resets and have worked with us and continue and know we want to keep our home and are helping us. 

THE PREDATORS- 21st Mortgage a Mobile home lender that got our loan somehow awhile back and we never asked to be with them, but stuck with them, wont listen wont work with me on the phone and call me XXXX XXXX when i demand they listen and stop talking over me? I offered solutions and both speak to XXXX and then a super who would not give his name and would not even speak of a plan of action- but XXXX did listen and we have a plan because we have a plan and trying to get out of this setup, and XXXX our 1st mortgage is good and we are good and working on a plan- But this Company 21 Mortgage harass my wife, by phone and say they can call if the they want to- and my wife who is trying to stay alive after coming out of the hospital and almost died and recovering and when i talk tough to talk to me and deal and please stopt dont call my wife who is weak and fragile and stop scaring her. 
they keep calling her and I asked to stop and he said this many times on our phone call over and over when I tried to mention the plan and listen he did not want any part and kept referend me as XXXX XXXX you know that tough cowboy from days gone by. I never even said i was that and I am any man in XXXX and when you are married you are supossed to protect your wife- and all I am doing here. 
Are we in a XXXX XXXX XXXX and you are XXXX XXXX. This rings in my head! You can not make this up, I am standing firm please sir my wife is weak leave her alone as any husband would do- and lets talk about my plan- but he talks over me and i get firm and he calls me XXXX XXXX XXXX and that phone call with these Lending/Mortgage Predators rings in my head- at same time I nurse and comfort my wife while trying to work and tell her it will ok. only for one of them to call her and demand money and just sad. 

These are the worst kind of people, sneaky Predators and I am showing the rock they live under and wish i did not have to see this ugly human behavior. 

Big problem 21st Century Mortgage my weak and fragile wife lives in with me and they want to yank it from her and she has headache she can not sleep cant hardly walk and they call her and demand money? and they wont talk to me and call me XXXX XXXX? 
the one here is Predatory and wants to Cash in $ $ $ because you can see our home is worth XXXX x that and prey on XXXX XXXX  struggling and resist any plan I give and I have really tried- they told I am XXXX XXXX XXXX You can not make this up, I said thats right I guess I am XXXX XXXX since you termed it, but I am protecting my wife and my home sir. He knows what he is doing by wanting to cash in and i am calling him out and he terms me XXXX XXXX. Well that is a husbands job to protect his wife and this whole thing is ridicouls. 

To the person reading : I am writing to you not only as a XXXX XXXX but as a husband, caregiver, and working professional who is experiencing severe distress due to the actions of a predatory mortgage lender. My wife and I recently went through a total life reset, and during this vulnerable time, weve been targeted by a company that sees our homes value as nothing more than dollar signs. 

This lender has repeatedly harassed my wifecalling whe I have repeatedly asked not too, pressuring her, and attempting to manipulate our situation to force a quick closure on our home. 
Or get these behind payments now by scaring her. 
Theyve shown no compassion, no understanding, and no regard for the emotional and mental toll this has taken on us. When I confronted one of their representatives and asked if they had any training in compassion or ethics, he dismissed me with sarcasm, saying XXXX, XXXX XXXX, and immediately returned to talking about money. 

I work in IT, and in my field, we are required to take courses on compassion and communication. We are taught to treat people with dignity. I asked this company representative if they had ever taken such a course, and he brushed it off. What kind of company operates like this? One that preys on the vulnerable. One that sees struggling seniors not as people, but as profit.

This is more than financial stressits mental anguish. Im writing this letter while at work, trying to hold down a job, care for my wife, make her doctors appointments, and manage our household. And yet, this company continues to harass us, ignoring our attempts to negotiate in good faith. 

This companys behavior is not just unethicalits inhumane. Theyve shown no regard for the fact that my wife is critically ill, recovering from multiple hospital stays, and unable to speak on the phone. Despite this, their representative demanded she be on a 15-minute call, insisting I want her on the phone now, even after I explained her condition. When I tried to reason with him, he mocked me again, saying Is this a XXXX XXXX XXXX? as if standing up for my wife was some kind of theatrical act. 

Ive worked hard my entire life. I earned my way up the ladder, received a job offer I thought would secure our future, only to be let go after two weeks. I searched for months for another job, but as a XXXX XXXX opportunities were limited. We relied on our savings, which quickly dwindled. I began collecting Social Security, thinking we could make it work. Then my wife became critically ill, and everything changed. 

During this time, I contacted all our lenders. Every single one showed compassion and agreed to work with usexcept this one. They are a mobile home lender who acquired our loan from the original lender, and from the moment they saw the value of our home, they saw an opportunity to foreclose and profit. They ignored my payment plan proposal, refused to negotiate, and continued to harass my wife. 

This is predatory behavior, plain and simple. They saw our equity and targeted us. They refused to listen, refused to show compassion, and refused to treat us like human beings. I asked them if they had any HR training, any courses in compassion. They brushed it off. They dont care. They want money, and they want it noweven if it means destroying lives. 

Given the sustained harassment, emotional distress, and unethical conduct this company has inflicted on my wife and me, I believe the only fair resolution is for them to * * waive our mortgage entirely * *. This is not a request for generosityit is a demand for justice. * * Financial penalties are the only way companies like this learn * *, and waiving the mortgage is the appropriate restitution for the harm theyve caused. If they are allowed to continue operating without consequence, they will continue to prey on other XXXX XXXX who are barely hanging on. 

Im asking you to investigate this company. Look at their books. Look at how they treat people. If theyre doing this to us, theyre doing it to others. The right thing to do is clear : they should pay off our mortgage as restitution for the mental anguish and harassment theyve caused. And if justice is to be served, they should be shut down. 

This is not just about usits about every XXXX XXXX whos being preyed upon by companies like this. Im asking you to take action. Use this letter as a call to armsnot to hurt, but to protect. To stand up for those who cant. To make a difference. 

Our homes value is {$330000.00} And this loan value is : {$29000.00} XXXX X the value of this loan and Predatory is way to best describe this situation. 
Plan of action was to pay XXXX payments on XX/XX/XXXX and that is XXXX and then again later on in month as i got a part time job but refused any and said get wife on the phone and the cycle repeats and just shows they want to force us out and sell our home and cash in-instead of work on a plan- and when told him might as well been deaf because just said we need or money or we foreclosing and I said i have a plan listen only to be called XXXX XXXX and he did want to discuss my plan as I had one. 

Persons on phone - would not give their names- Person one 1. Hello and no compassion did not listen when I asked do you need new headphones- cold transferred me to number 2.

Person 2 claimed to be supervisor who refused to listen to my plans and said he can call my wife if he wants and wanted her on the phone 15 mins and I said no please understand she is weak and fragile and then started calling me XXXX XXXX and said what I am in a XXXX XXXX XXXX? I said no sir just a husband protecting his wife from people like you. 
They would not give me their names but from the web portal says this : If you have any questions, please call your XXXX XXXX XXXX XXXX at XXXX ext XXXX. 

You can see my point- since somehow they obtained our loan because they got this loan years ago as you know loans are transferred to other companies and we got stuck with a Predator LENDER\lending\collections- he said are you up on payments on lot rent?, i said no this is nnot a mobile home-You see they are a mobile home lender and somehow got our mortgage- we never signed up for them and the Predators got our loan, Then when told him was a home- he was silent a minute and i can picture and he did too $ $ $ in his head, that they could foreclose and make a sale and make money- rather than show compassion. 
My XXXX XXXX XXXX grand son can see and grasp no compassion and want to sell our home when we are barely hanging on and spoke to him man to man and called me XXXX XXXX. Yes he said that, and just makes me sad to that a human being can prey on the elderly, and now you see it, I painted picture and i did not want this, 2025 has been hard, but we have pulled up our bootstraps and everyone is working with us but this company, and best thing to do is to shut these predators down and fair, and help other seniors before these XXXX persons reach them, or worse yet already have. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation