21st Mortgage review: Rude and harrassing

I just financed an investor loan with this bank.
Every bank ever in my homeowning lifetime has NEVER called me to ask where my payment is on the 2nd of the month.
When I asked why they were calling, (Ethan Shutts) very brusquely told me that my payment was late.
NEVER in my lifetime have I ever had a late payment strike on my credit score which hovers between 795 and 815. Every bank everywhere does not send a late payment reminder until you are LATE past 15th and of course the penalties are added.
I went up the chain of command and every last one of them was rude and told me that this IS a collections call. WOW! Beware of these people. They do not consider this harassment because they are LEGALLY ENTITLED to do it. No sense of is it the right thing to do on the 2nd of the month.