Product: Debt collection

CFPB re PennyMac Dear CFPB, Please find my complaint against PennyMac Loan Servicing LLC ( former XXXX XXXX ) for their fraudulent misrepresentation ; false claims and fraud against XXXX, XXXX  XXXX  and Department of Veterans Affairs ; identity Thefts ; unlawful collection ; racket ; mail fraud, wire fraud and other crimes. 

I demand full investigation against PennyMac under False Claims Act, RICO and other statute for impersonating as a owner/investor/issuer/Servicer of XXXX XXXX Mortgage Backed Securities for some Trust which PennyMac, is not able to identify.

Moreover, PennyMac continues fraudulently misrepresent themselves to me and VA as a Servicer while PennyMac is prohibited to use VA system controlled by XXXX XXXX  after PennyMac stole XXXX XXXX trade secrets and information from XXXX, which is exclusively used by VA for servicing. 

On XX/XX/XXXX I received two identical letters from VA who informed me that my loan is delinquent ; and suggested to request a forbearance from my Servicer PennyMac. 

I was very surprised by these Letters because my purported Servicer PennyMac approved my forbearance on XX/XX/XXXX until XX/XX/XXXX. But VA is apparently not aware of it. 

VA is not aware of XXXX XXXX  termination of the Contract with PennyMac and still thinks that Penny Mac is a Servicer. Which resulted in a reasonable question how PennyMac can continue to use VA system operated by XXXX XXXX   servicing platform if they have no access to it. 

Yet, on VAs side it still appears that PennyMac is servicing somebody whom nobody can identify - neither prior Servicer XXXX  ( who never told who sold my loan to PennyMac ) or XXXX  XXXX  or VA or XXXX  ; and nobody ever confirmed its role as a Lender, or Seller ; or Issuer of XXXX. 

According to XXXX XXXX, the Issuer must be a Lender, thus should be XXXX XXXX XXXX XXXX who also claimed to be an original Servicer, and who transferred my Note to XXXX on my closing day by Allonge prepared by Collateral Shipper XXXX XXXX. XXXX and XXXX both deny this transfer and insist that XXXX assumed SERVICING of my loan on XX/XX/XXXX ( according to XXXX ) or on XX/XX/XXXX according to XXXX ). 

How XXXX managed to set up a Trust, appoint XXXX  XXXX XXXX XXXX as Trustee, issue XXXX XXXX, service them for three weeks and sell my loan to some secretive buyer while never give me a release of any liens, all in less than 24 hours, remain unclear. 

According to VA, they are not aware who is the Seller of my loan to PennyMac ; and can not identify whom PennyMac is servicing ( which, according to PennyMac is some fictitious XXXX  XXXX   Trust ) ; can not tell who appointed PennyMac as a  Servicer ; does not have any information about transfer of ownership of my loan ; and has no releases of liens by the prior owners, as required by VA rules. 

When I asked VA to whom they guarantee my loan, VA was not able to identify this party, too. 

According to public records, XXXX  XXXX  sold or otherwise transferred of more than {$1.00} Trillion of their MBS to Federal Reserve. Neither I and any other homeowners never received any Notices about this drastic change of ownership. 

PennyMac continues to ignore all my direct and simple questions about ownership of my loan ; and instructed their employee XXXX XXXX to lie relentlessly. 

When I ask Mr. XXXX who sold PennyMac my loan, he lies that he answered this question ( lie, Mr. XXXX never told me who sold PennyMac my loan ) ; that this is proprietory information ( lie, this information must be recorded by VA and XXXX XXXX  ) and that my question is overly broad and lacks specifics ( lie, I ask a very specific question - identify the Seller and the Trust which PennyMac is servicing ). Mr. XXXX 's evasive and incomplete responses and refusals to disclose are a typical language for XXXX scammers and thieves. 

Information I request - who sold my loan to PennyMac and basic information about the Trust PennyMac is servicing ( EIN, CUSIP number and Prospectus must be published ) is not proprietory or overly broad. Bear to repeat, PennyMac never told me who  SOLD them my loan. 

I again demand Mr. XXXX to disclose who SOLD my loan to PennyMac. He never told me this information.

I never receive any releases of any liens from the prior owner who sold my loan to PennyMac. I demand a copy of release of my lien which must be recorded with VA XXXX XXXX. 

I demand the name of the Trust which PennyMac is still servicing for XXXX  XXXX  and VA and the name of the Agent or custodian of this Trust who can provide me copies of releases of all liens and proof of record of all ownership transfers. 

I reserve my right to demand more information from PennyMac based on their respond. 

It is very evident that PennyMac is a low capitalized group of thieves which is almost entirely consists of XXXX XXXX criminals whom Big Banks called back to action via XXXX ( XXXX  branch ). 

PennyMac receives small fees for impersonating as a " Servicer '' without any servicing functions. Big Banks know about XXXX 's executives dishonesty and did not even allowed them to collect any payments.It is all done via lockbox agreement with XXXX and XXXX XXXX. 

PennyMac, who is out of their thievery business after XXXX XXXX kicked them out from their system, is so low on funds that they can not even afford XXXX cartridges for their printers, or pay for professionally printed letterheads. 
XXXX, XXXX XXXX