• Report: #295194

Complaint Review: 21st Mortgage Corporation

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  • Submitted: Fri, December 28, 2007
  • Updated: Wed, June 24, 2009

  • Reported By:Joelton Tennessee
21st Mortgage Corporation
P.O. Box 148 Memphis, TN 38101 Nationwide U.S.A.

21st Mortgage Corporation My disabled husband bought a mobile home through Suntrust Bank about 10 yrs. ago and about one year ago 21st Mortgage bought out the loan. Suddenly, harrassing phone calls started 4 and 5 calls a day if he was one day late on the loan. I have never experienced a company like this. When he became almost 20 days past due on the loan, they did investigations & called x-wives and neighbors. Memphis, TN Tennessee

*Consumer Comment: Use Logic

*Consumer Comment: Funny

*Consumer Comment: be careful how you judge others, you will judged with the same measure. you've obviously always had plenty of money.

*Consumer Suggestion: Want the calls to stop?

*Consumer Comment: Legally questionable actions

*Consumer Comment: My loan got sold to them as well

*Consumer Comment: My loan got sold to them as well

*Consumer Comment: My loan got sold to them as well

*Consumer Comment: My loan got sold to them as well

*UPDATE Employee: Comment

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My disabled husband bought a nice single wide trailer and had it financed through Suntrust over 10 years ago. He always paid on time and once he was alittle late, but always caught up with no problems from Suntrust. However, he received a letter that his loan was sold out to 21st Mortgage Corp. about two years ago, and the nightmare started. I pay the bills for my
disabled husband and have NEVER been over 30 days past due. Well, this company has called 4 and 5 times a day, hey, they are calling now as I am typing this, and they got a mortgage payment today! But, I really think that
they do not care if they harrass customers, they love it. This is part of their daily activities, to drive people to drink, take drugs, jump off cliffs, try to kill themselves or others, to yell and scream at them, etc. They do not care. I
have always sent and overage amount along with the payment. This is good to do anyway, over what you owe them, that way, more is going to the principle amount and you will get them paid off earlier. My main point is, what really makes me mad, besides the constant harrassment of phone calls
from Whitt Reed, is he has called our neighbor, whom my husband does not have on the referral paperwork, and also he called my husband's first x-wife
that he was married to in the 70's and was not on any paperwork. Remember,
my husband was not over 30 days late. Can you imagine if he was 60 days late, they would be calling his doctor, or social security diability!! I am sorry, but companies like this should NOT be able to stay in business with these sort of practices. I have never heard of such, and I think the government needs to investigate their internal business practices. I know disabled persons have special rights and I think my husbands rights have been violated. Please, if you have been done this way also, let's get a class action lawsuit against this awful company and it might stop others from getting hurt by them.

Pammie
Joelton, Tennessee
U.S.A.

This report was posted on Ripoff Report on 12/28/2007 12:18 PM and is a permanent record located here: http://www.ripoffreport.com/r/21st-Mortgage-Corporation/nationwide/21st-Mortgage-Corporation-My-disabled-husband-bought-a-mobile-home-through-Suntrust-Bank-a-295194. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 10Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Use Logic

AUTHOR: K Luv & The Sauce - (U.S.A.)

Your old mortgage company apprently went out of business or couldn't afford to keep your loan, right? So they sell it to another company that can. Sounds to me like your old company should have been doing a better job to begin with. This isn't a problem with your current mortgage company. It's a problem they inherited from an inferior compnay when they bought your loan.
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#2 Consumer Comment

Funny

AUTHOR: Bumble Bee - (U.S.A.)

You go to a bank, ask to borrow thousands of dollars and then get mad because they want it in the time frame you contractually agreed to. Ok, in a bad time. Not stipulated in the contract and they are not legally required to let you live there free. Can't blame them. It's up to you to find a way to keep your responsibility. I have come on hard times too, but have found a way to pay my mortgage so that it is paid before it's due. Mowing lawns, selling my TV, no more eating out. My house is all I have.
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#3 Consumer Comment

be careful how you judge others, you will judged with the same measure. you've obviously always had plenty of money.

AUTHOR: Spot32863 - (U.S.A.)

Then Job answered:
2I have heard many such things;
miserable comforters are you all.
3Have windy words no limit?
Or what provokes you that you keep on talking?
4I also could talk as you do,
if you were in my place;
I could join words together against you,
and shake my head at you.
5I could encourage you with my mouth,
and the solace of my lips would assuage your pain
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#4 Consumer Suggestion

Want the calls to stop?

AUTHOR: Ashley - (U.S.A.)

Pay your bills on time.

No more phone calls

Problem solved.
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#5 Consumer Comment

Legally questionable actions

AUTHOR: Kem - (U.S.A.)

Company also pulls your and your spouses's credit report/score, even thou only one person applies for credit. Company's are suppose to each and every person's consent to view their credit report.
Company also lies about insurance company requiring a year's premium up front for a new policy, that way they can charge interest on the premium.
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#6 Consumer Comment

My loan got sold to them as well

AUTHOR: Jay - (U.S.A.)

My loan got sold to them as well. They are definitely over dramatic when it comes to the payment being a little late. I have had the payment in the mail and have had them call. I have ignored the calls because it is so ridiculous to call so soon. I have noticed they start calling around 6-7 days late. I have never been over thirty days late neither and was only 20 days late I think once. Good luck, I may try to refinance mine with someone else.
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#7 Consumer Comment

My loan got sold to them as well

AUTHOR: Jay - (U.S.A.)

My loan got sold to them as well. They are definitely over dramatic when it comes to the payment being a little late. I have had the payment in the mail and have had them call. I have ignored the calls because it is so ridiculous to call so soon. I have noticed they start calling around 6-7 days late. I have never been over thirty days late neither and was only 20 days late I think once. Good luck, I may try to refinance mine with someone else.
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#8 Consumer Comment

My loan got sold to them as well

AUTHOR: Jay - (U.S.A.)

My loan got sold to them as well. They are definitely over dramatic when it comes to the payment being a little late. I have had the payment in the mail and have had them call. I have ignored the calls because it is so ridiculous to call so soon. I have noticed they start calling around 6-7 days late. I have never been over thirty days late neither and was only 20 days late I think once. Good luck, I may try to refinance mine with someone else.
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#9 Consumer Comment

My loan got sold to them as well

AUTHOR: Jay - (U.S.A.)

My loan got sold to them as well. They are definitely over dramatic when it comes to the payment being a little late. I have had the payment in the mail and have had them call. I have ignored the calls because it is so ridiculous to call so soon. I have noticed they start calling around 6-7 days late. I have never been over thirty days late neither and was only 20 days late I think once. Good luck, I may try to refinance mine with someone else.
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#10 UPDATE Employee

Comment

AUTHOR: Silverado - (U.S.A.)

It is the policy of 21st mortgage to only address customer complaints in a confidential discussion with our customer. To appropriately respond to a complaint may require releasing confidential information, which is strictly forbidden under federal privacy regulations. We will attempt to contact the referenced customer to resolve this complaint.
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