21st mortgage corp
customer

Oceana, WV

#1 Dec 12, 2011
Due not finance a modular home with them they have poor customer service. With your loan they make you pay into a Insurance and Tax escrow and you have to fight with them to pay for your insurance renewal even after they have all your money for it. I recently changed insurances and when they paid my premium it was $1,000.00 less and I am having to fight with them to get my overpayment back, I am still paying into the escrow account so there is no reason for them to hold my extra money. But if I owed them any money I guarantee that they would hound me over it but they think that it is right to hold my money. They will not even give me statements of how much money I have paid into my account and they won't let me know how much they have paid on my taxes. It is a rip off hard to tell how much they aRE EMBEZZLING from everyone.
Chuck Finly

Knoxville, TN

#2 Dec 14, 2011
There loan agents load up in vans all carrying guns to go make people pay around knoxville.
littlemogimp

Knoxville, TN

#3 Dec 15, 2011
Quit being poor and go bitch to your trailer park manager.
Lockedandloaded

West Liberty, KY

#4 Jan 19, 2012
customer wrote:
Due not finance a modular home with them they have poor customer service. With your loan they make you pay into a Insurance and Tax escrow and you have to fight with them to pay for your insurance renewal even after they have all your money for it. I recently changed insurances and when they paid my premium it was $1,000.00 less and I am having to fight with them to get my overpayment back, I am still paying into the escrow account so there is no reason for them to hold my extra money. But if I owed them any money I guarantee that they would hound me over it but they think that it is right to hold my money. They will not even give me statements of how much money I have paid into my account and they won't let me know how much they have paid on my taxes. It is a rip off hard to tell how much they aRE EMBEZZLING from everyone.
I am a customer with them also and am having the same problems and I hate how they harass you if you go over the due date any at all, I have worked 2 jobs for about 8 years and due to no work available at one I have been living on half the income that I'm used to and when I explained why I was struggling to them and all they could do is threaten me with foreclosure and tell me that it's not their problem. And I think they are scamming people with their interest rate cause I borrowed 60,000 and have to pay back 154,000, something needs to be done with these crooks!!!
Calvin Hoons

Knoxville, TN

#5 Jan 22, 2012
Heard their employees met a few UT employees for gangbanger style bar-brawl-q. William Keech kept it silent.
customer

Mineral Wells, WV

#6 Jan 26, 2012
littlemogimp wrote:
Quit being poor and go bitch to your trailer park manager.
Sorry but I don't live in a trailer park nd I'm not poor, I have no trouble paying my payment. The problem I have is when I pay money into my ecrow accounts for my insurance and taxes why do I have to fight with them to send the payment in and if I overpay they need to refund that money it is mine not theres to hold just because they want to. They are really crooks that need to be investigated and I have filed a complaint with the attorney generasl and I suggest any one else that is being ripped of by this company to do so to. I am in the process f re-financing with a local bank.
Kerwin

Knoxville, TN

#7 Sep 7, 2013
customer wrote:
<quoted text> Sorry but I don't live in a trailer park nd I'm not poor, I have no trouble paying my payment. The problem I have is when I pay money into my ecrow accounts for my insurance and taxes why do I have to fight with them to send the payment in and if I overpay they need to refund that money it is mine not theres to hold just because they want to. They are really crooks that need to be investigated and I have filed a complaint with the attorney generasl and I suggest any one else that is being ripped of by this company to do so to. I am in the process f re-financing with a local bank.
Have you tried to view your statement online? You can do that. The tax department where you live can provide you proof of payment. If you recently changed insurance you will not get a refund immediately. They review/adjust the escrow when they've made a payment out of the account and within 60 days of your date of origination. This process can take 30 days or so.

RESPA laws do not allow mortgage companies to charge interest on an escrow account or hold on to excess funds that are over $50.

Nowadays, it's almost unheard of for a mortgage company to not have customers sign an escrow agreement. They have to know that the home (their collateral for the loan) is going to retain value, ie. you keep up on necessary repairs and make sure property taxes are up to date so the property will not be sold in a tax sale.

They are audited frequently to ensure they are following laws. I think you are only telling part of the story...
shirley

United States

#8 Sep 8, 2013
customer wrote:
Due not finance a modular home with them they have poor customer service. With your loan they make you pay into a Insurance and Tax escrow and you have to fight with them to pay for your insurance renewal even after they have all your money for it. I recently changed insurances and when they paid my premium it was $1,000.00 less and I am having to fight with them to get my overpayment back, I am still paying into the escrow account so there is no reason for them to hold my extra money. But if I owed them any money I guarantee that they would hound me over it but they think that it is right to hold my money. They will not even give me statements of how much money I have paid into my account and they won't let me know how much they have paid on my taxes. It is a rip off hard to tell how much they aRE EMBEZZLING from everyone.
They are a spinoff from Clayton's and Vanderbilt Mortage. Same rip off procedures and bad treatment of customers.
Tyler

Knoxville, TN

#9 Sep 15, 2013
Good to know.
21stmortgagesux

Alachua, FL

#10 Nov 16, 2016
They are doing the same thing to us. It is a part of my mortgage that they collect taxes and insurance. Well they haven't paid the taxes. There reason we didn't homestead. There is no clause in my mortgage that says that. They don't hasve a problem collecting money from me for my taxes and there is onlky $500 in my escrow. We have a chattel loan. We own our property and don't want it near the thieves at 21st. Oh they say the lines recorded, its not. I now record EVERY Conversation with them. They threatened to foreclose even if I'm 2 days late. Told me to turn my cablke off and cell phone and to not buy Xmas for my kids cause I won't have a home to have Xmas in. My husband is disabled. They are preying on his brain injury. I've filled a case with the attorney general office of financial regulations and I'm seeing a lawyer on Tuesday. Where is the money from my escrow? Leah Hudson she's a psyco bag supervisor, Rachael saylor is a rude bitch and Adam donahoe likes to blow hot air up everyone's asses. I'm done playing with these thieves.

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