Total CFPB complaints
47
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 47 complaints
21ST MORTGAGE CORP. — Debt Collector Complaint Profile
CFPB complaint profile across 23 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about 21ST MORTGAGE CORP.
- Communication tactics
Communication tactics
11 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
9 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
8 complaints
- Taking/threatening an illegal action 3
Taking/threatening an illegal action
3 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
- Didn't provide services promised 2
Didn't provide services promised
2 complaints
C
Grade C · 64.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about 21ST MORTGAGE CORP.?
21ST MORTGAGE CORP. has accumulated 47 total CFPB complaints across 23 states, with 11 filed in the most recent 12 months against 36 historical complaints before that window. The trailing-12-month volume represents 23.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 18% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 23 states, led by Texas with 13 and North Carolina with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.6/100 places 21ST MORTGAGE CORP. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
11
23.4% of total history
Rising ↑
States active
23
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
C
64.6/100 composite
Response-quality profile
How 21ST MORTGAGE CORP. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 35.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 41.1%
Share of US states + territories with at least one filed complaint against this collector.
How does 21ST MORTGAGE CORP. compare to its peers?
21ST MORTGAGE CORP. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2017-10 2026-01
Top Consumer Issues
Communication tactics11 (%)
Attempts to collect debt not owed9 (%)
Took or threatened to take negative or legal action8 (%)
Taking/threatening an illegal action3 (%)
Written notification about debt2 (%)
Didn't provide services promised2 (%)
Most common issue: Communication tactics — Frequent or repeated calls
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 9 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 4 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Communication tactics | Threatened to take legal action | 2 |
| Didn't provide services promised | — | 2 |
Where do complaints against 21ST MORTGAGE CORP. come from?
The states where consumers have filed the most CFPB complaints against 21ST MORTGAGE CORP.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against 21ST MORTGAGE CORP.
Across 23 states with at least one filing
- Texas
Texas
13 complaints
- North Carolina 4
North Carolina
4 complaints
- New York 3
New York
3 complaints
- Maryland 3
Maryland
3 complaints
- Georgia 3
Georgia
3 complaints
- South Carolina 3
South Carolina
3 complaints
- Florida 2
Florida
2 complaints
- Oklahoma 1
Oklahoma
1 complaints
Frequently Asked Questions
What is the most common complaint against 21ST MORTGAGE CORP.? ▼
The most common issue consumers report about 21ST MORTGAGE CORP. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 47 complaints filed with the CFPB.
Are complaints against 21ST MORTGAGE CORP. increasing or decreasing? ▼
Complaints against 21ST MORTGAGE CORP. are rising. The company received 11 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: 64.6/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 23 states, with the most complaints from Texas (13 complaints).
What can I do if 21ST MORTGAGE CORP. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If 21ST MORTGAGE CORP. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |