21st Mortgage review: fraud and tila violations 5

Once again we run into trouble wit this company. Of course they make it as difficult as they possibly can for the consumer to make a payment. If you do not agree to their auto-draft, you can either call in a payment or go to some place like WalMart and use MoneyGram, both less convenient options, than say, using a bank card on the internet. Now who would possibly think of something like that? How difficult could that be for a multi-million, or billion dollar corporation with ties to Warren Buffet himself to have a convenient, yet modern website with a secure connection to pay your bill using your bank card? That would make it too easy for the consumer not to mention it would give them instant confirmation that their payment was accepted. Ah but our friends at 21st would rather use insecure means or third parties to accept payments. You may ask yourself, now why in heaven's name would they exercise this option instead of now accepted modern means? In my observation, it is quite simple and obvious. It would seem 21st would rather have the option and opportunity to post a late payment on your account than show it on time. This allows them to accrue additional late fees and even, if you aren't keeping track...to show you further behind on your payments than you thought.

My latest case in point has to do with our last month's bi-monthly payment. I thought it was odd that I received a certified letter from a Mr. Patel stating I had until June 3rd to pay them 1.5 months' payments or they would accelerate my debt. Now let's closer examine the situation. My payments were up to date through March and I had made 1/2 month's payment for April early in April. The second half was made through MoneyGram at WalMart on Tuesday the 25th of April with a 1 dollar fee guaranteeing fund transfer within 3 business days. According to MoneyGram's records, the funds were received by 21st before the weekend of the 28th. Technically the payment should have been posted on our account no later than Monday, May 1st, but lo and behold, I check my online account record with 21st this morning and the payment did not post until May 5th, which was this past Friday. With this evidence I am prepared to contact legal counsel to expose yet another poor business tactic practiced by 21st by not posting credits to a customer's account in a timely manner, therefore allowing a customer's account to slip past due into the next month.

I have proof in my possession that not only shows 21st received my payment before the end of the month, but held it as long as a week so it slipped into the next month, so our account would be shown 1 month delinquent. Nice try, 21st, but keep in mind some of your customers are well educated and have access to legal counsel, federal trade and business practice laws and are aware of what your responsibilities as a debt collector are as well. We also know how to track our money in this era. Furthermore I would strongly advise you to end the practice of sending acceleration notices to customers who are less than a month behind in their payments, particularly in cases where you did indeed, receive payment but, but elected to hold the payment into the next calendar month. The US FTC has a term for this and laws against it. You can be held liable not only as a corporation, but individually as representative for said company.

My comment is for Silverado99. I've been watching you closely for quite some time now. The problem I have with you is that you never seem to deviate from your response to any and all complaints against 21st Mortgage Corporation. We can all see that you have your copy and paste experience down to a science. To date, you have exhibited your talent with the same response at least 21 times on this particular complaint board, all of which say the same thing. As a matter of fact, having done some research, I found that your response is the same on other complaint boards as well. For example, /link removed/ What I would like to know is ... who the heck are you, and since when has 'your' corporation decided to start following federal privacy regulations? Come on now! Don't pee on me and tell me it's raining! 21st Mortgage Corporation's idea of 'resolving a complaint' is a joke at the very least. I can't believe you even have the audacity to post a response like that to the people you crap all over on a daily basis. Tell me silverado, are you seriously going to continue to defend this mortgage company, despite the fact that you are fully aware that your blowing wind up our butts? Or maybe your a victim of this company who is being forced to feed us this crap in order to keep a roof over YOUR head. If that is indeed the case, please do tell and redeem yourself here and now. In either case, you should be ashamed of yourself for trying to feed us this crappy paragraph over and over again. Maybe if you copy and paste it enough, you'll actually start believing it. Now that's a scary though, isn't it? You and this company of yours make me sick. Hence the nickname I have chosen to use on this complaint board... silverado99_sickens_me_to_death! Now, having said all that, let me share MY experience with 21st Mortgage Corporation for all who care to read it.

Over the last 10 years, our mortgage has been sold to 3 different company's. 21st being the latest. It's been about a year and a half now, and a nightmare from day one. In this company's mind, there is no such thing as a grace period. Although it is suppose to be 20 days, if our payment was not in their hands by the 1st of the month, the calls would start. First the home phone, then the cell phones. My husband explained that we did not need their 'reminder' calls, and kindly asked them to stop. Well, that went in one ear and out the other. We finally stopped answering their calls all together, at which point they would start calling us private, blocked, and using all the numbers they had at their availability. Now mind you, we were NEVER 'late' on our payments. They were always made before the grace period. So basically, it was just a matter of harassment. Almost as if they enjoyed making our lives miserable. The calls would start at approx. 7 am and continue throughout the day until 10 pm. Now, here is the kicker. This past month, we got a certified notice in the mail from 21st, stating that our payment was short by $70. We placed a call with our financial institution and found that there had been an error on their part, and the immediately rectified the problem. By that time, the damage had already been done and 21st pulled out every naughty in the book! My husband told the woman at 21st that a check would be sent out that day. Well, needless to say, that wasn’t good enough. She told him that they would not accept that check unless it was accompanied with the telephone numbers and addresses of at least 3 different family members, in addition to at least 2 phone numbers and addresses to our nearest neighbors AND our employer's phone numbers and addresses! She proceeded to tell us that if they did not get all of this information along with the payment, they would start foreclosure on our home. My husband chuckled and threw in a few choice words and hung up on her. We sent them their check, certified, which they accepted and promptly cashed. Needless to say, they did NOT get any phone numbers or addresses from us, and to boot, we had our home phone disconnected, and put a block on our cell phones for all the numbers 21st has ever used to contact us. Jokes on you 21st!

Victims of 21st Mortgage Company, PLEASE do your homework! Write a complaint to the BBB. Do some research. Report them to the Federal Trade Commission. Call your local AG's Office as well as calling AG's Office in Tennessee. FIGHT BACK! If we all pitch in and do our share, we can bring this company down to it's knees! Check out the following websites.
http://knoxville.citysearch.com/review/9413156?reviewId=44853361#done
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http://www.ehow.com/how_6038774_stop-mortgage-harassment.html
http://state.tn.us/tdfi/crd/index.html

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.

I found no help whatsoever in calling the local FBI to lodge complaint issues or even to find out if they had any ongoing issues with 21st Mortgage Corporation. So I found no help whatsoever with the local FBI.

That is funny I tried calling the local FBI with complaint against them, got nowhere at all. No help at all not even an intake questions to find out anything just they were no help whatsoever.