Mortgage -- Trouble during payment process -- Complaint #17888326
Complaint Overview
Complaint ID: 17888326
Company: 21st Mortgage CORP.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
Sub-Issue: Escrow, taxes, or insurance
State: Texas
ZIP Code: 77303
Date Received: 2025-11-24T12:00:00-05:00
Date Sent to Company: 2025-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/year>, I attempted to resolve an escrow discrepancy with 21st Mortgage. At XXXX p.m., I spoke with XXXX XXXX, who refused to initiate an escrow waiver due to the discrepancy. She then transferred me to XXXX, who declined to provide effective verbal communication as required under ADA compliance. I rely on this accommodation, and his refusal directly impacted my ability to communicate. During the call, XXXX became aggressive, forcing me to end the conversation. At XXXX p.m., I spoke with XXXX, but I was again denied the opportunity to file a formal complaint. Following these interactions, my account was flagged in a way that prevents me from speaking with representatives. This appears to be retaliatory, as the flag was applied solely because I requested an escrow waiver to address the discrepancy. The conduct of these representatives demonstrates : - Failure to comply with ADA communication requirements - Denial of my right to file a complaint - Retaliatory account flagging that restricts communication
Frequently Asked Questions
What is Complaint #17888326 about?
Complaint #17888326 was filed against 21st Mortgage CORP. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2025-11-24T12:00:00-05:00.
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.