Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I have been unemployed since XXXX XXXX XXXX As soon as I bought my house I was laid off from my job after almost XXXX years with the company. My ex boyfriend who was supposed to be paying half of all the bills did not pay for anything and he was very abusive to me and my kids and refused to leave after lots of police calls to get him out and pressing charges that never got filed but thats another story just some of the issues going on in my life and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at that. This has been super stressful for me on top of not having money at all for food which XXXX took me 3 months to even get on food stamps. I went a month eating very little and skipping meals just to make sure my kids could eat. I have no help its only me to provide. I searched for resources day and night trying to find stuff to help me. Then XXXX XXXX XXXX I was injured in a car wreck and had to stop looking for work because I literally couldnt use my hands and were doing treatments. I am still not fully healed and I should not be working right now but I am being horses to return to work and I still cant use my hands much. I went 3 months behind and had to use my full XXXX check I got to get caught up on the mortgage because the bank was calling me every day twice a day with emails and emails to call. I told the bank I was unemployed and that I couldnt work because of my hands and they failed to tell me about loss mitigation programs to help with the hardship I was in and literally they pushed for full payment despite not having income. I was forced to pay my whole check that I really needed to live on for my kids and then I got current and again I fell three months behind. I even called to make a partial payment once and they wouldnt take the payment until they had connected me to a supervisor who did not offer me assistance but told me I had to pay the rest of the full payment by a certain date and I told them I can not make the payment on that date but they set it up anyway and when that day came they harassed me to talk to them and when I did to explain I didnt have money they told me that I said that I would pay it by that date and I needed to borrow the money or not pay my other bills and pay them instead. Then and only then did I even hear anything about loss mitigation options that I could request assistance. I asked about them and all I got was he would take my application and see if it came back approved. They knew my situation the whole time and came back saying they approved me for a program where I paid XXXX and the bank paid the missed interest so I paid missed principle and they paid missed interest. Again Im unemployed not working no money coming in. But I had to figure out how to come up with it. Luckily I got my income tax and yet again I had to spend the whole thing on getting caught up instead of being able to use that money to help me and my kids live white no money. Well XXXX comes around now and payment due again and I finally got a job not making near what I was but I took it even though I have no idea how Im even gon na be able to work my hands cant be used all the time still and Ive had to discontinue treatment because I have to go back to work. I keep getting 2 to three calls a day from my guy over my account and his manager and the supervisor above that over and over I finally was able to get assistance through an organization for XXXX and XXXX @ for electricity and it took me 7 months to even get approved for something. I go days with no sleep searching and praying for someone to help me every day I looked. Nothing but resources and jobs. So the organization emailed my person over my loan about them mailing out the XXXX check so I call him to tell him my plan to get current again. I told him I wasnt making much but that I am still applying for better paying jobs and looking for more payment assistance and he was annoyed and didnt care and was dry and rude. He said I couldnt afford the mortgage that Im only in 8 payments and havent been able to make my payments that I should sell it or it would be foreclosed on. He told me that I could always apply for loss mitigation options again but I maxed it out cause they just helped me. He said they helped me get current and I still couldnt make the payments. Yea cause Im freaking unemployed. He put me on hold got his supervisor on the phone who was even worse ti me. He said that I just needed to sell. It and if I didnt do something and turn things around now they would take my home. He said I cant afford it that Im 8 payments in and I havent been able to make payments on my own without having to get assistance to do it. He said he can not extend me anymore and that basically hes not counting the XXXX because checks get lost in the mail all the time and it will move forward to foreclosure if I cant figure it out. I never ask for help I do it all on my own and without government assistance but the one time I needed help I get harassed to call them just for them to make me feel worthless and down after it took me months to finally see a bit of light and lift me up for just a little bit and start feeling positive and not worthless. Letting my kids down and not being able to buy my son any of his graduation stuff or a senior ring, prom, senior trip, nothing. He deploys to the XXXX XXXX on XX/XX/XXXX and has no money to take with him. The today I looked into what different options they had for loss mitigation to find out they had an unemployment forbearance this whole time them would apply for a loss mitigation program to get me current and has deferrals. I am XXXX they took all the money my kids and I had away to live on while I had no money. I went months barely eating lost a lot of weight just so my kids ate. Food banks dont give much. What legal action can I take for all this. How can I get them to give me all the money they pushed and harassed me into paying my mortgage instead of suspending my payments so my credit wasnt destroyed. Ok want that money repaid back to me and for them to take all those payments and actually give me a fair chance and use the loss mitagarion to germ me current by deferring all those payments maybe even giving me more time to actually get my treatments and be able to use my hands so. I can work I cant even drive long periods of times. Its bad. The employees I have been talking to and hurrying me needs to have consequences for there treatment to me emotionally and mentally abusing me when I already am emotionally and mentally drained and stressed and I have had to deal with rude degrading things instead of being helped. I feel like they want my property so they are doing everything they can to foreclose. If you knew where I once was in life and how hard I worked to even get where I am and have what I do and how hard I had to fight alone for it then you may understand. On XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation