Mortgage -- Struggling to pay mortgage -- Complaint #14935670
Complaint Overview
Complaint ID: 14935670
Company: 21st Mortgage CORP.
Product: Mortgage
Sub-Product: Manufactured home loan
Issue: Struggling to pay mortgage
Sub-Issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
State: South Carolina
ZIP Code: 295XX
Date Received: 2025-07-28T12:00:00-05:00
Date Sent to Company: 2025-07-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am currently in default on my mortgage due to financial hardship. I have attempted multiple times to work with my mortgage servicer to resolve the delinquency through loss mitigation options such as a loan modification, repayment plan, or forbearance. However, the company has refused to offer any meaningful assistance. Each time I contact them, I am told the only option is to pay the full past-due balance in a lump sum which I can not afford. They advertise that they are willing to work with struggling homeowners, but they have made no effort to evaluate my situation or offer alternatives. I have explained my hardship and requested help in writing and by phone, but my requests are ignored or dismissed. I believe this is a case of predatory servicing, and they are not complying with the requirement to offer or evaluate loss mitigation options before proceeding toward foreclosure. Their refusal to consider reasonable alternatives seems to be pushing me toward foreclosure without due process or good faith negotiation.
Frequently Asked Questions
What is Complaint #14935670 about?
Complaint #14935670 was filed against 21st Mortgage CORP. regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2025-07-28T12:00:00-05:00.
How did 21st Mortgage CORP. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against 21st Mortgage CORP.?
Yes, visit the 21st Mortgage CORP. company profile at readthecomplaint.com/company/21st-mortgage-corp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.