Consumer complaint received 2020-08-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: NY

Complaint narrative:
Hi everyone, I sent this letter to the person in charge of CFPB, I guess he is in charge of my two complaints that I had sent, and he got in touch with the 21st Mortgage, AKA XXXX XXXX, AKA XXXX, AKA 21st Mortgage INc AKA 21st Mortgage TRUST and I am sending you the letter, and I know I need the advice of a lawyer but money is tide. They want over {$3000.00}, so here it is. I have proof of al the W-* @ not showing that I paid my escrow and also I have the evidence that they kept charging me an enormous amount of money thru the Escrow and two different loans that they owned Hello Mr . XXXX, They finally forced me to put the house on sale even though I came to the CFPB for help, and if I had gone to court, I am willing to go. 
The attachment from XXXX that you checked and on the complaint you said that 21st Mortgage who goes as XXXX XXXX but you probably missed or did not check page 7 where they claim the money they paid as taxes ; They are lying and not reporting to the tax department the money that I am supposed to send. Since XXXX, my bill from 21st Mortgage, I am behind XXXX dollars on escrow, which is XXXX. They were overcharging me 2-3 times for the same thing and inflated the escrow dam! How am I not going to be behind! I just went thru and my home insurance a year should be {$700.00}, I selected and, they should be using the same because they sent me the bill, and they raised to @ XXXX, XXXX and these chiefs put on the DISCLOSURE STATEMENT he sent you : Property damage insurance ; $ XXXX = {$11.00}, XXXX on PROPERTY DAMAGE INSURANCE plus all the school taxes the town taxes, the school taxes all ten or more times the value. This is happening since XXXX, and they are keeping doing it until now. Still, this year, I got a bill for {$90.00} more than the regular bill, I called the person in charge of my account. He told me that I was behind in my taxes/escrow, and my balance was {$11000.00} like in XXXX, and XXXX XXXX, their lawyer, said to me that it was behind taxes that they undercharge me on my escrow. 
This mortgage is FRAUD a, and they forced me to put the house on sale in the middle o a pandemic, 50 people every couple days to see the house and me I am not getting any equity due to their escrow that now grows out of control. 21st Mortgage has no explanation, all they asked is when I am paying my past due of course they go to you are on bankruptcy, and we know XXXX XXXX Still, I am suing everybody, 21st Mortgage broke the law to steal my house and get their balance which should be XXXX, but they used someone called XXXX and added {$3400.00} to be pay to XXXX XXXX owned by those I believe 4-5 banks with similar names. 
I dont want to sell my house, my wife is making close to {$60000.00}, and with that, we can pay they take that Escrow, I can pay all of my taxes and insurance my self. With the pandemic, The president said that we were exempt on paying while without work, well, they add not only that, {$30.00} per month because I'm late but that also, it is illegal, my mortgage is included in XXXX on a Bankruptcy XXXX NOTE : I called all these instant, unions and they say they never received such amount and that I am not behind on any of my taxes, you are my only hope but, for one reason or the other, maybe because I am XXXX/XXXX, that influences the decision all ways they are right -- XXXX XXXX

Company response to consumer: Closed with explanation