Consumer complaint received 2022-01-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint and XXXX to XXXX XXXX XXXX XXXX  as Trustee to identify how many Servicers they retain to Service my alleged loan pooled in XXXX XXXX XXXX I request XXXX XXXX XXXX XXXX XXXX XXXX and PennyMac Loan Servicing LLC to identify ALL actual servicers who perfrom servicing functions under name of " PennyMac '' I have a cohort of at least XXXX companies who are accompanied by several nest-doll shell name corporations who perform all servicing activities for my alleged " loan '' - except PennyMac whose name appears on envelopes only. 

On XX/XX/XXXX someone sent me a Modification Agreement and VA Partial Claim named as XXXX XXXX where XXXX was listed as a recipient of these documents after recording to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX CA XXXX. See attached documents. 

I filed a complaint with CFPB requesting to identify XXXX full corporate name and explain why they conduct servicing of my alleged loan if another company PennyMac Loan Servicing, LLC claims to be a Servicer who is acting under authority of XXXX XXXX XXXX where XXXX XXXX XXXX XXXX XXXX XXXX XXXX  who controls all financial activities for this Trust, including retention of sub-servicers like XXXX. 

On XX/XX/XXXX someone from purportedly XXXX responded to my CFPB Complaint where an undisclosed to me person said : XXXX 's full corporate name is XXXX, XXXX. It is a licensed title agency. 

XXXX was retained by PennyMac to provide a title report to PennyMac for property located at XXXX XXXX XXXX, XXXX, MI XXXX. If the modification agreement is signed, XXXX would also be retained, in its capacity as a licensed title agency, to record the modification agreement in the county real estate records for the county where the property is located. XXXX has no other involvement in the transaction described in the complaint. 

This respond lacks XXXX XXXX XXXX XXXX XXXX who filed it ; or name of its authorized agent whom I can contact with my questions. Moreover, this respond created more questions than were listed in my original Complaint. 

I need XXXX  and PennyMac 's clarifications about this Modification and Partial Claim since I do not know who sent it to me and do not understand terms of these Agreements, specially VA Partial Claim. Please respond with the name of actual employee who sign this QWR and whom I can contact directly at XXXX XXXX XXXX XXXX 

First, please disclose if XXXX knew that their name was being used to assert functions that XXXX does not perform? 

Second, this respond said that XXXX was retained by PennyMac to provide a Title report for my property which is publicly available on Recorders website. Please verify if XXXX actually performed this Title Search and sent me this Modification and Partial Calim or if someone else sent it and if so, who sent them. ( and under what authority if from XXXX )? 

Third, does XXXX know about retention of XXXX as subservicers? 

According to CA Secretary of State, XXXX XXXX was California domestic corporation dissolved on XX/XX/XXXX and located at XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX who sent me these documents is located XXXX XXXX XXXX XXXX, XXXX CA XXXX. I need clarification in which State XXXX XXXX mentioned in CFPB respond is incorporated to act as a sub-servicer for my VA loan. 

Please identify full corporate name of PennyMac who retained XXXX as a sub-servicer. Please disclose the name of my creditor under whose authority PennyMac hired XXXX to perform sub-servicing activities. Please state if XXXX XXXX retention was approved by XXXX  as Trustee for XXXX XXXX XXXX. Please disclose the name and contact information of XXXX authorized employee who hired XXXX, XXXX. 

The respond also said If the modification agreement is signed, XXXX would also be retained, in its capacity as a licensed title agency, to record the modification agreement in the county real estate records for the county where the property is located. XXXX has no other involvement in the transaction described in the complaint It contradicts with XXXX instructions to return recorded documents to XXXX XXXX XXXX XXXX AFTER recording, instead of returning it to PennyMac. 

Also, my package involved two separate loan Agreements one Modification Agreement and one VA Partial Claim which comes directly from VA. 

Please clarify if XXXX was hired by VA or under VA authority to record VA XXXX XXXX in the County real estate records. 

Based on these documents, it appears that XXXX  is already retained and authorized by my Creditor [ s ] to accept recorded documents specially VA Partial Claim, which is a separate loan provided by VA ( XXXX XXXX ) and not related to my Modification Agreement. 

Please explain why these documents must be returned to XXXX after recording and that XXXX is going to do with these documents. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation