Posted by Frank/NC on 7/28/09 7:31pm
Msg #297790

JUST GOT A CALL

from 909-483-1748 from someone who said she was from Fidelity National asking me to do a loan modification. When I told her I do not do them, she hung up. I then checked the number and it is listed to 21st Century. What are they up to now?

Reply by CopperheadVA on 7/28/09 7:40pm
Msg #297791

Yep, that's the number I have coded in my phone for 21st Century, from my caller ID when they called me a few months back. Thanks for the heads up that they are using a new name.

Reply by mwm143 on 7/28/09 7:53pm
Msg #297792

Me too Frank. I told her there was too much negative press regarding such companies and it wasn't worth the risk. She was actually very polite and said she understood.

Reply by Notary/Guy on 7/28/09 9:31pm
Msg #297804

21st Century Legal Services, Inc. - Foreclosure Consultants ...
(877) 987-2321; (909) 483-1748; (866) 305-6954; (909) 987-2321; (888) 483-1748. Additional Fax Numbers. (909) 987-9090.

Reply by Notary/Guy on 7/28/09 9:33pm
Msg #297805

7/28/2009 PIGS....... FFFFF Rating with BBB CA
7/28/2009 NON-PAYERS FL
7/27/2009 Company seems not legitiment. Pays with BAD CHECK. Don't work for them EVER. LA
7/18/2009 no pay rip off NJ
7/16/2009 never received payment for services nor a return phone call about lack of pmt VA
7/11/2009 After working for them I found out they are not even a legal co. IL
7/7/2009 Very slow to ay but have gotten quick results when talking with contact. LA
7/6/2009 They do not pay nor do they return phone calls WA
7/3/2009 SCAMMERS!! BEWARE OF THEM!! DO NOT WORK FOR THEM!! FL
6/29/2009 Got paid in plenty of time, only their check bounced TWICE. MI
6/26/2009 Googled them...result NG! Appear to be scammers. Won't accept work again. NY
6/25/2009 Paid in ten days with a Rubber Check. NC
6/25/2009 Fake website given to borrower- no docs sent to them No return calls to me TX
6/24/2009 FRAUD- Pays with Bad checks then ignores you. I am contacting IC3 and customers NC
6/23/2009 NOTARY BEWARE-WILL NOT PAY YOU FOR CLOSINGS NC
6/23/2009 I was partially paid for a signing, they never return calls or follow through IA
6/22/2009 called me for appt, when I called back they couldn't find it, disorganized AZ
6/20/2009 I was notified by my bank the last check I received from them $460 bounced NC
6/18/2009 I was uncomfortable. Now the first check from them NSF. WI
6/13/2009 The paid me rin one week and I didn't have to notarize a single doc. TX
6/11/2009 They paid me even after client did not use them, concerned with their ethics WI
5/7/2009 Did mod app 1/2/09-Client called me 5/1 still no mod and no return call from 21s TN
5/3/2009 Took too long to get paid, bad communication with their clients & customers! AL
4/18/2009 Paid in 4 days! They explained their past trouble, I did it, they came through. VA
4/17/2009 Warning: if client backs out after you did ur job- they will NOT pay anything. TX
4/15/2009 They were nice to me,they paid me on time FL
4/7/2009 No confirmation sent-no record of signers' name or apt that was sceduled. FL
4/6/2009 I believe this company is scamming borrowers. Don't accept signings. NC
4/5/2009 Poor communication, unorganized FL
4/3/2009 Made good on bounced check plus my bank fee. AL
4/1/2009 Never received confirmation for signing.No calls.Then docs arrived today!NO way! HI
3/27/2009 Told client not to pay mortgage. Not to fill out forms just sign them . No More! WI
3/17/2009 pays on time, really, really hard to work with. doesn't return calls, bad comm. WA
3/17/2009 Never can get their act together & Borrowers must give ck or u do not get paid. NJ
3/9/2009 Never received confirmation for accepted signing...very unprofessional! MO
3/6/2009 i personally think they rip off their "borrowers". won't EVER work for them TX
2/27/2009 Very questionable. Check them out on the BBB website NY
2/24/2009 Very fast pay, professional. OK
2/21/2009 company wants notary to represent self as customer service rep for the company. MI
2/18/2009 I never had a problem getting paid from them. NC
2/5/2009 Paid me within 18 days MA
2/4/2009 I like working with this company the job is easy and they pay on time CA
1/30/2009 I think they're shady, couldn't tell the client that I'm a Notary. CA
1/26/2009 http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre42.shtm VA
1/24/2009 They gave wrong address for job!! and now 45 days past due for my invoice. FL

Reply by Jack/AL on 7/28/09 10:30pm
Msg #297810

They do not want you to perform notary services. They want you because you are a Notary Public and hope that helps their victims believe the scam is legitimate. They'll send you several pages of questions with blank fields in which the answers will be entered later by their rep. Their client is to merely sign the pages, still bearing the blank fields, and you'll send the pages to the company. There's no notarizing!!! A rep will then call the client, ask the questons, and send the pages to the loss mitigation department. I've seen some ads that even tell the home owner who is behind to not spend their money on payments, but to send $1,200 or so to them so they can try to get a refinance at 3%. Keep in mind that the borrower is already behind on payments. The best course of action is for the borrower to call the loss mitigtion department for their lender and ask for help. The same questions will be asked and financial info submitted, and the loss mitigation rep is the person most likely to be able to help. The disclaimer for 21st Century (and perhaps other such rip-off companies) clearly states that their fee is earned upon submitting the information to the lender, that they are not lenders, and that they cannot guarantee any success. It's a total rip-off, as I've told their polite reps three times. They finally quit calling me. If you think you want to work for them, accept an assignment and then carefully look at what they send you. I think your gut feeling will give you a quick wake-up and you'll decline to continue.

Reply by Linda_H/FL on 7/29/09 9:10am
Msg #297854

"Keep in mind that the borrower is already behind on payments"

Not that it matters but just so you know, this is not necessarily so...the second (and last) assignment I got from them which never went through the homeowner was NOT behind on their payments. It's also been posted that many people are still current on their mortgages but 21st has advised these people to stop paying making their mortgage payments "so they can more easily qualify for the modification"..

Reply by Stamper_WI on 7/28/09 10:49pm
Msg #297815

Frank

They may be doing that because your Attorney General has filed "Civil case alleging
violations of the North Carolina Debt Adjusting Law and the North Carolina Unfair
and Deceptive Trade Practices Act" on July 13 against 21st Century.

Reply by Jack/AL on 7/28/09 10:56pm
Msg #297816

Re: Frank

When I first heard from 21st Century Legal Services, as they were called perhaps 10 weeks ago, a fellow real estate broker in Ohio informed me that is one of two companes being sued by the State of Ohio, unfair practises, etc. I'd be ashameed if I had completed an assignment for them.

Reply by Stamper_WI on 7/28/09 11:31pm
Msg #297818

Re: Frank

I doubt they have reaaly changed their name They just don't want the AJ to know they are still working in NC. I doubt Fidelity wants anything to do with them.

Reply by Dianne/NC on 7/29/09 8:05am
Msg #297834

Re: Frank

I was just going to post the same warning. They called me and represented themselves as Fidelity National. Never sent confirmation or docs, but gave the borrower my name and home number. I did a reverse look up and saw that it was 21st Century and called them and told them I would be reporting their false representation to the NC Attorney General's office and that they'd better schedule someone else to do their loan mod today. These companies are getting very sneaky.

Reply by Stamper_WI on 7/29/09 8:29am
Msg #297846

Re: Frank

The "operation Loan Lies" list the FTC has has a name and phone # of the contact person for the case at the Attorney Generals office.

Reply by Stamper_WI on 7/29/09 8:39am
Msg #297849

Diane

Who did they tell the borrower they were? Fidelity or 21st?

Reply by Dianne/NC on 7/29/09 8:56am
Msg #297851

Re: Diane

I didn't ask the borrower. I just called him back and explained that I chose not to work for 21st Century and that someone else was going to be doing his loan mod.

Reply by stacy/IN on 7/31/09 3:32pm
Msg #298290

Re: Diane

oh my gosh....I did one of these for an elder man for Fidelity, but I guess that's not who it is either. i had no clue what this was, the man told me that he was told he would get his money back if he didn't get the loan. they have his debit card number, how could i be so stupid??? i got a call from century 21 last night about a loan mod, so i accepted, got the confirm today, no letter head, just looked fishy....so here i am. can i call that poor man and tell him to stop the debit card or something???

Reply by 101livescan on 7/29/09 10:55am
Msg #297872

Re: Diane

I wonder who the borrower is making the checks payable to, and why they (21st Century) still have a operating checking account?

Reply by Stamper_WI on 7/29/09 11:39am
Msg #297876

Re: Diane

My guess is that the cases and orders against them are all fairly new. Obviously, they do not intend to abide by any orders. Guess the State of CA has not caught up with them since they are the ones that oversee their ability to operate as a business.

Reply by Linda_H/FL on 7/29/09 12:00pm
Msg #297881

Zana...

I read somewhere not so long ago that the State of CA yanked their license to operate....I can't figure out how they're still functioning....but if their bank accounts have been frozen it explains why no one's getting paid!!

Reply by MistarellaFL on 7/29/09 12:22pm
Msg #297884

"but if their bank accounts have been frozen"

All they'll do is have someone who is not obviously associated with 21st, have them form a new corp, new bank accounts, and start the apparent scam all over again.
What a fraud!

Reply by Linda_H/FL on 7/29/09 12:30pm
Msg #297887

yep yep...totally agree

Looks like the only way to avoid any issues at all is to refuse to do anything BUT the final modification paperwork...10 pages max and no checks collected.

MHO

Reply by Linda_H/FL on 7/29/09 12:32pm
Msg #297890

BTW...should add

there IS a Fidelity National Information Services in CA along with the Title company - wonder if they've bought out 21st?....or wonder how they'd feel about their name being thrown about in 21st Century's messes..

Reply by Stamper_WI on 7/29/09 1:10pm
Msg #297892

Re: BTW...should add

Still answering their phone 21st century....

Reply by MW/VA on 7/29/09 8:14am
Msg #297837

I'm glad we're informed on this site & know not to work for this company or others pulling the same scam. I have no desire to be an accomplice.

Reply by Dianne/NC on 7/29/09 12:06pm
Msg #297882

UPDATE ** BEWARE**

They are now identifying themselves as "Fidelity National Legal Services." They just called me again!!! Must be pretty desperate to get any unsuspecting soul to work for them. I challenged them on the name and they said they just changed it, so BEWARE!!!

Reply by LKT/CA on 7/29/09 3:19pm
Msg #297920

The bottom line is...

...these companies will call the job anything BUT a loan mod APPLICATION. These companies will change names like they change underwear... ask them the following questions and you won't be duped.

1. Am I collecting checks from the client?
2. Am I notarizing any signatures?
3. Is the client filling out forms?
4. Am I collecting document copies from the client (i.e., ID, mortgage pymt coupons, utility bills)

If you ask those questions and the answers are YES to at lease three of the four questions, you will KNOW that you are being hired for a loan mod APPLICATION. If the answer is NO to all of the questions, but the paperwork says otherwise, then you'll KNOW you were deceived. In either case you can turn down (or give back) the job.