Consumer complaint received 2020-04-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: RI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX military XXXX  veteran whom currently has an VA Refinance Mortgage Loan in good standing with PennyMac Loan Services , LLC . This is a loan that I re-financed, going from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX on XXXX, whom then, immediately sold my mortgage loan to PennyMac Loan Services , LLC . My previous unsuccessful attempts to resolve their accounting office 's XXXX to XXXX misapplied Bi-weekly Monthly Mortgage payments and also the misapplication of my additional twice monthly separate individual {$300.00} Principal Only payments and an invalidly issued XXXX 1098 Mortgage Interest Statement noting {$0.00} paid Mortgage Interest when i actually did pay Mortgage Interest each month and an unjustified attempted foreclosure of my property, led to my filing first, XXXX XXXX   XXXX Complaint # XXXX, on XXXX, XXXX, and, afterwards, a CFPB Complaint # XXXX ( XXXX ), filed on XXXX -- XXXX, XXXX. 

PennyMac 's assigned rep to review and resolve these complaints, XXXX XXXX, contacted me and subsequently addressed both of my misapplied payments issues. He also initially resolved their invalidly issued Corrected XXXX 1098 Mortgage Interest Statement showing {$0.00} paid ... .corrected with a new Corrected on dated XXXX. But, today, PennyMac, issued me a 3rd Corrected XXXX 1098 Mortage Interest Form dated XXXX, again invalidly stating that I never paid any XXXX mortgage loan interest ... when I did pay XXXX mortgage interest. 

A day after filing my XXXX  complaint on XXXX, XXXX, PennyMac unjustly hired a Connecticut-based lawfirm, XXXX XXXX XXXX, to attempt an unjustified foreclosure of my property 's in good standing mortgage loan -- -for which I factually ... was multiple thousands of dollars ahead in payments on. Their hired firm, XXXX XXXX XXXX, both contacted me by mail, and through the Rhode Island Housing.  PennyMac 's hired lawfirm asked me to come to foreclosure mediation with them, for which, Rhode Island Housing, would be deciding whether to grant PennyMac 's desired foreclosure certificate. I found this out when RI Housing sent me a XXXX, XXXX letter requesting my contact them to attend such. On XXXX, XXXX, when I called PennyMac ( spoke to XXXX in Collections, about XXXX XXXX  ), he said PennyMac would send me a letter affirming my mortgage loan is in good standing, but PennyMac never sent me one. On XXXX, XXXX, after I explained ( via e-mail ) the actual financial facts of my PennyMac mortgage loan being in good standing to PennyMac 's hired lawfirm, XXXX XXXX XXXX, backed off, acknowledging my mortgage loan being in good standing via e-mails they sent me. I have on multiple occasions, called PennyMac 's assigned rep, XXXX XXXX, multiple times ... leaving messages for him asking for him to please update his recently sent me XXXX, XXXX letter, where within ... he / PennyMac, only addressed their five months of misapplied payments being fixed for me. I left messages kindly asking, XXXX XXXX, to please 'add in the owed apology as it specifically relates to their ( PennyMac 's ) unjustified foreclosure action ' and for him send me the updated letter. When I called his PennyMac phone number today, XXXX, XXXX, XXXX-XXXX-XXXX-XXXX, to his agent phone extension XXXX, their phone system states 'do not recognize your entry ' ... It seems Mr. XXXX is no longer reachable for PennyMac to resolve my initially filed XXXX CFPB complaint and the XXXX complaint in full.

Company response to consumer: Closed with non-monetary relief