Consumer complaint received 2023-07-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am contacting you about the PAHAF ( Pennsylvania Hardest Hit Funds ) for Emergency Mortgage Assistance for people who were hit during XXXX. My sons were approved for the Funds but the Program and PennyMac Mortgage are playing around to trying get us trapped into foreclosure. The Lying Loss Mitigation XXXX XXXX XXXX called me Friday after I had been speaking with XXXX Id number XXXX and the alleged Point of Contact XXXX XXXX whom I can not get on the phone anymore. Ext. XXXX is lying and has falsified the records that we owe {$57.00}, XXXX which is not true and inaccurate. {$2900.00} for Other unexplained fees which are believed to be unlawful attorney 's fees they are trying to collect for the times during the Pandemic they attempted to foreclose when they were forbidden by laws and Executive Order from doing so. Also, banks were forbidden by law to charge interest and late fees during the Pandemic and the above alleged outstanding amounts include those fees as well. Prohibited Acts in violation of the CARES ACT. These are fees and overcharging that were their own fault, not ours, and unenforceable by law. I made a complaint against them to the Consumer Financial Protection Bureau and XXXX XXXX called himself responding on behalf of the Company and None of the Payments we made after they lied and mislead us that we had no more forbearances when the Emergency was not considered over by Executive orders of the Governor of this and many other States and the President of this Country. XXXX wrote that we had a payment made of {$4800.00} which did not include our XX/XX/XXXX payment of {$1200.00}. XXXX Reference Number XXXX and our Payment of XX/XX/XXXX that came from my son XXXX XXXX reference number XXXX of {$1200.00} and XX/XX/XXXX Reference number XXXX for {$1200.00} and a Payment that was made on XX/XX/XXXX for another {$1200.00} that was paid on another account that was closed to use but they received because we paid before it would have been considered late XX/XX/XXXX. In all, we paid PennyMac a total of {$6100.00} and only {$4800.00} according to XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX tried to lie to me that she only saw XXXX payment in XXXX of XXXX from XXXX XXXX in the amount of {$1200.00}. I knew she was lying because I had just got the response back from XXXX to the CFPB XXXX. Minus the {$6100.00} from the alleged inaccurate amount of {$57000.00}, the outstanding balance would be {$51000.00} and less than that when you take out the unlawful overcharges interest they are forbidden by law to charge and the illegal attorney 's fees they attempted to collect for FEES NOT EARNED of {$2900.00}, the Balance would be well under {$48000.00}. For we were approved by the PAHAF for the grant of {$50000.00} PENNYMAC is refusing because of the inaccurate amount they have erroneously assessed against us without the credit of the amounts we already paid and tended to them during Post Pandemic.

PENNYMAC is supposed to have people designated to speak and deal with the PAHAF program for the people who have gone through the process, but they keep on switching people over and over again so that the Customer can never speak to the same person about the matter to get it handled to frustrate the borrower. There is no real One Point of Contact person to handle any of the matters for the people who have experienced Financial Hardship due to XXXX. PENNYMAC customer service team and people have a habit of Lying and misrepresenting information to the Customer and changing the narrative in their inner office comments that the People can never see and dispute against and they attempt to go to FORECLOSURE WHILE HOLDING ON TO THE BENEFITS OF LIES AND MISREPRESENTATION TO THE UNEXPECTING BORROWER. PENNYMAC is in violating the Cares Act for failing to report accounts accurately to the Credit Bureaus for they show amounts Greater than what is owed to the Consumer Reporting agencies against the borrowers affected by XXXX so they can not get better deals elsewhere with other lending institutions, unfairly & deceptively impeding interstate commerce and impeding competition unfairly against the rules and laws of the Pandemic and the Market Place. Rendering Oppresive services that not only violate the Cares Act but also violate basic human rights and unlawfully place jeopardy of losing their homes due to their faulty and inaccurate accounting that they purposely and intentionally attempt to raise and overcharge the customer because they are the only ones that hold the information. 
PENNYMAC NEEDS TO BE HANDLED AND STOP. THE PAHAF DO NOT HOLD THEM ACCOUNTABLE AND THE PAHAF TAKE A SLOW TIME IN PROCESSING THE FUNDS ON THEIR END WHICH ALSO PLAYS A PART IN PUTTING THE RECIPIENTS IN HARMS WAY. 
Here is our proof of Payments that was never accredited to the alleged delinquent amount. Therefore we owe less than any {$50000.00} so the funds can be paid out. Here is the XXXX Bank Statement of XXXX in which I know they did not accredit the account and they did not credit the XX/XX/XXXX payment of {$1200.00} and XX/XX/XXXX payment of {$1200.00} or XX/XX/XXXX payment I'm pretty sure was {$1200.00} for a total of payments made of {$6100.00}, and there is unlawful charges of attorney fees that they are erroneously attempted to charge that is illegal and unenforcible by the CARES ACT AND THE PRESIDENT & GOVERNOR 'S EXECUTIVE ORDERS THAT THEY CAN NOT CHARGE IN THE AMOUNT OF {$2900.00} that you all need to demand and insist they move and other illegal interest charges hidden in the fees that they were not allowed to charge by law during the Pandemic that must be removed as well that would bring the account way under the amount to be paid out and we obtain a couple of additional months of payments so we won't be slammed into owing right now after the account be properly accredited. You said to show you that we have brought the account into the approvalable amount of the grant. Now I am showing you.

Company response to consumer: Closed with explanation