Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: 21ST MORTGAGE CORP.
State: IN

Complaint narrative:
My mortgage was with XXXX until XX/XX/XXXX. My loan was purchased by XXXX Mortgage. I received voice mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  I worked 16 hrs both days. I returned call on Mon XX/XX/XXXX, and was informed I am 2 months behind on my payments, and they are starting in foreclosure! I let them know that was impossible. I know I made my XXXX payment and I never received any previous notification that the payment did not go through or that there was any issues with my payment. They told me that was not true that they notified me last week that my payment was returned for insufficient funds. I told them I was going to make my XXXX payment on Friday, and I would contact my bank ( XXXX ) and try to figure out what happened to my XXXX payment. They were fine with that. I called XXXX on XX/XX/XXXX, they said, they dont have any record of insufficient funds and that the problem is on XXXX  end. I called XXXX. XXXX said, payment went through on XX/XX/XXXX, and the problem is with XXXX. I called XXXX back. I attempted to explain what I was being told by XXXX and XXXX. The person I was speaking to, I believe was XXXX kept interrupting me and was badgering me, and badgering me. I tried to explain and he interrupted me and raised his voice at me and said, ANSWER THE QUESTION YES OR NO. at this point I said, GIVE ME AN XXXX CHANCE he hung up on me. I called right back and asked to speak to a supervisor, I was very upset about how I had been treated. This time I spoke to a women that refused to give me her name and refuse to transfer me to a supervisor. She told me her name is not important. She told me I cussed at her coworker. She started badgering me, and raised her voice at me, and said, DID YOU XXXX  AT XXXX? I told her, I said, give me an XXXX chance ( this time I said XXXX and not the full XXXX XXXX  ) she responded in a raised voice, DID YOU XXXX  AT XXXX XXXX OR NO? I responded, Only after he was badgering me! She repeated, DID YOU CUSS AT HIM YES OR NO? I repeated my answer. After he was badgering me! I asked to speak to a supervisor, she refused and continued to badger me staying I spoke to a supervisor on Monday, and proceeded to tell me how that conversation went. Her statements of the conversation were not completely. She continued to badger me. I asked to speak to a supervisor, again she refused to transfer me to a supervisor! She said, NO! I AM NOT GOING TO TRANSFER TILL YOU ANSWER ME!!! IS THIS HOW THE CONVERSATION WENT YES OR NO!!!! At this point I was interrupted and badgered so much, and in shock about how I was treated, that I was fighting back tears could not recall anything in detail. I responded I dont know and she again said, WAS THAT HOW THE CONVERSATION WENT YES OR NO? Again, I responded, I dont know she then transferred me to a supervisor. I believe his name was XXXX. I told him, I still dont know what happened to XXXX payment. That my bank is saying it was not an issue on there end. I asked, if I could make a payment and a half this week and a payment and half next time to make up for the missing payment. Since, I am getting the run around trying to find out what happened to it! Since my bank is saying there was never insufficient funds! He told me No that both XXXX and XXXX payments have to made by the end of the week or they would be going ahead with foreclosure procedures.

Company response to consumer: Closed with explanation