Consumer complaint received 2023-07-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX ( the Debt Collector ), is working in collaboration with their client, the Mortgagee ( PennyMAC ) and HUD/FHA 's Compliance Manager : XXXX XXXX XXXX XXXX to wrongfully transfer the Title of the property, the PennyMAC Account Number XXXX, FHA Case No. XXXX and Probate Case No : XXXX Served a Notice of Occupancy of Pending Acquisition to wrongfully transfer the Title of this property without providing FHA/HUD Loss Mitigation options to remedy the Foreclosure. PennyMAC has set an Accelerated Foreclosure date trying to deny the Owner/Heir, Confirmed Successor-In-Interest, and Court Appointed Administrator to sell the Property and pay off the balance owed to PennyMAC while preserving any Inheritance balances to be paid to the rightful Heirs of the Property. 

The Debt Collector Served the notice with some of the : 1 ) Important Language be in Spanish to English-speaking Americans, 2 ) My Name is Spelled Incorrectly on the Notice to Occupant of Pending Acquisition sent by the Debt Collector, on behalf of their Servicer PennyMAC Lending Services , LLC, and HUD/FHA Compliance Manager : XXXX XXXX XXXX XXXX XXXX 3 ) The Debt Collector 's client, PennyMAC Lending Services, over a six-month period, refused to grant me the Owner/Heir, Confirmed Successor-In-Interest, and Court-Appointed Administrator access to the Estate 's Online Account when I attempted to change, as they recommended, the password reset email was being sent to someone else 's email address. When I reported that to PennyMAC. They did nothing to correct and resolve the issue. PennyMAC has denied me access for the entire time I have been the Confirmed Successor-In-Interest and Court Appointed Administrator. 4 ) Their client PennyMAC Lending Services, also changed the Representatives and Priority Compliance Specialists that are communicating with me, XXXX XXXX to XXXX XXXX to now XXXX XXXX, to influence fluid, consistent communications and allow excuses to be used for not granting access to the PennyMAC Online Account of the Estate 5 ) the Debt Collector and It's Client PennyMAC Lending Services, sends Urgent Notices that requires a response from me the Court Appointed Administrator standard mail which could take up to 10 days or more to receive and Urgent Notices that they are Serving me USPS Certified Mail or XXXX XXXX Delivery with Tracking Numbers. 

In Response to the Notice of Occupancy of Pending Acquisition, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, a Copy of the Petition for Leave to Sell the Property that was filed in the State of Georgia XXXX XXXX Probate Court to Payoff the Balance that is owed to the Mortgagee PennyMAC and Remedy this matter was sent Priority Express Mail ( Tracking No. XXXX ), it was picked up by the Debt Collector 's Authorized Agent XXXX XXXX. ( XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX. 

However, when I spoke with XXXX on Thursday, XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, Phone # XXXX, she said there was no record in their system that the Debt Collector informed their Client PennyMAC Lending Services that they had received a Petition for Leave to Sell the Property that was filed in XXXX XXXX Probate Court on XXXX. She said it is documented, however, that they sent a copy of the 51-Page Wrongful Foreclosure complaint to the HUD/FHA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX, OK XXXX via Standard Mail with no Tracking number to verify receipt to the HUD/FHA Compliance Manager 's ( No name was provided ) only a Phone No. XXXX. 

Finally, under the current HUD/FHA leadership , Foreclosure rates in the United States increased since 2007/2008, up by 148 % in XXXX / 167 % in XXXX. If HUD/FHA really tries to help Homeowners and Heirs preserve the ownership of their homes, why are these numbers going up instead of down? I can't answer this question, but I am going to continue to submit this data until someone takes the matter seriously enough to investigate it and expose what is going on. I will also tell you that I sent complaints to HUD/FHA about PennyMac 's Servicing Bad Practices and Irregularities. It was reported to XXXX XXXX XXXX, Home Retention Specialist, and XXXX XXXX XXXX, one of the HUD/FHA Attorneys . They did nothing to hold this Lending Servicer Accountable. My Complaints were ignored, and I was asked by XXXX XXXX XXXX to take them off the Complaint emails that were being sent on XX/XX/XXXX, at XXXX XXXX. 

I am Alleging that Foreclosure rates are increasing in the United States, Homeowners and Heirs are being robbed of their Investments and Inheritance because all of the regulators and legislators turn a blind eye to Bad Actors. Please ask them why they do not intercede and do something to help. Why don't they hold their Lenders/Servicers to some kind of Best Practice Standard when it comes to assisting Owners/Heirs, Confirmed Success-In-Interests , and Court Appointed Administrators to resolve defaults like mine and others? They should have helped to Mitigate, Remediate, and Solve this Mortgage Default Servicing Bad Practices and Irregularities before it got to this point. But they didn't! 

They just looked the other way. While Years of payments, Investing into a property only to have Generational Wealth be lost so that Bad Actors can benefit.

Company response to consumer: Closed with explanation