What is the most common complaint against 21st Mortgage Corp.?

The most common issue consumers report about 21st Mortgage Corp. is "Attempts to collect debt not owed", specifically "Frequent or repeated calls". This is based on 51 complaints filed with the CFPB.

Are complaints against 21st Mortgage Corp. increasing or decreasing?

Complaints against 21st Mortgage Corp. are rising. The company received 17 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is 21st Mortgage Corp.'s reputation grade?

21st Mortgage Corp. has a reputation grade of C (score: 61.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does 21st Mortgage Corp. respond to consumer complaints?

21st Mortgage Corp. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

In how many states does 21st Mortgage Corp. operate?

21st Mortgage Corp. has received CFPB complaints from consumers in 22 states, with the most complaints from Texas (14 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

21st Mortgage Corp. - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

14
Communication tactics

13
Took or threatened to take negative or legal action

10
Written notification about debt

3
Taking/threatening an illegal action

3
False statements or representation

2

Data updated September 2026

CFPB complaint disposition

CCDB record 21st-mortgage-corp 21st Mortgage Corp.

Grade C · 51 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1172 · compose #2133

VOL 51
GRADE C
12MO 17
STATES 22
TIMELY 100%
DISPUTE 18%
ISSUE Attempts to collect debt n…
RANK #1,172
COMPOSE #2,133

Volume peers

Nearest volume peer: Action Financial Services, LLC (51 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

21st Mortgage Corp.'s 51 CFPB complaints sit next to Action Financial Services, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Spiky monthly series

Texas is the plurality state for 21st Mortgage Corp. (27.5%)

The 2023-07 spike coincides with a 961-place gap between volume rank #1,172 and composite #2,133. Corpus placement method.

Plurality state: Texas 27.5%; Mid-band (15–30%) · 22 states with ≥1 filing
Spike month: 2023-07 16.7%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,172 volume; #2,133 composite; Cleanest-composite ladder is 961 places worse than volume

How does 21st Mortgage Corp. compare to its peers?

How does 21ST MORTGAGE CORP. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

21ST MORTGAGE CORP. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

96%

91%

Consumer-dispute ratelower is better

18%

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-07 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	14
Communication tactics	13
Took or threatened to take negative or legal action	10
Written notification about debt	3
Taking/threatening an illegal action	3
False statements or representation	2
Cont'd attempts collect debt not owed	2
Disclosure verification of debt	1
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against 21st Mortgage Corp. come from?

21st Mortgage Corp.'s own per-state count, not a national baseline.

Texas

14
South Carolina

7
North Carolina

4
Georgia

3
Maryland

3
New York

3
Pennsylvania

2
Alabama

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for 21st Mortgage Corp.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 51.

4 peers

Know your rights before responding to 21st Mortgage Corp.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.