Consumer complaint received 2019-01-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX : Loan # XXXX FHA Case # XXXX XXXX XXXX, 3rd Party User, called my lender on ( XX/XX/XXXX ) @ approx. XXXX XXXX XXXX EST, spoke to XXXX, XXXX, Customer Services, to confirm if my Authorization, the 84 pages of the FHA Pre-Foreclosure ( PSC ) documents were received and have the appraiser call him to set up time for his visit. She stated the documents were received on ( XX/XX/XXXX ) and that he should back to follow up on the appraiser status. 

XXXX called back several times to, XXXX XXXX, XXXX @ XXXX, she stated to XXXX that he had no Authorization yet transferred him to the Short Sale Department, XXXX XXXX , Loan Resolutions Specialist. He also stated XXXX had no Authorization yet that he could email and/or call XXXX, XXXX @ XXXX, XXXX, to followup on the file. XXXX called her she didnt pickup so he left her an email message to call him back. XXXX called again spoke to XXXX, XXXX @ XXXX XXXX, still XXXX had no Authorization, etc. XXXX called back again spoke to XXXX, ID # XXXX, Loan Counselor Division @ XXXX EST. He confirmed XXXX had Authorization and they received the 84pages was then transferred to, XXXX ID # XXXX, Escalations Collections Department. She also stated the Authorization and the 84 pages of the documents were received on ( XX/XX/XXXX ) and that no short sale Option was available because there wasnt sufficient ( days ) time to postpone the foreclosure ( XX/XX/XXXX ) sale date. 

XXXX stated to Timesha that the judicial process for a foreclosure in the State of Maryland is ( 21 )  days that PennyMacs discretionary business practice contradicts violates FHAs Loss Mitigation Options, Handbook 4000.1, violating a US Government-insured product that PennyMac is required to obey the FHA Guidelines. 

PennyMacs discretionary guidelines, argument, delay, tactic to ratify [ this ] Foreclosure Sale is outside of FHAs Loss Mitigation Options endeavoring no resistance of illegal foreclosure business practices/activities to forbid disavow our foreclosure Rights or worse profiling XXXX ( minorities ) retired senior citizens, nix ( {$0.00} ) relocation money, ruin our credit and pursue a deficiency judgment its the perfect crime ( why ) there is no sufficient days ( required ) before the foreclosure sale pursuant to the FHA Loss Mitigation Options, Handbook 4000.1, Sections III.A.2.j ; III.2.I.i. ( A ). 

FHA Guidelines allow us to short sale our property for the ( {$3000.00} ) relocation assistance with no pursuit of a deficiency judgment. If the foreclosure sale and/or ratification occurs, PennyMac and all ( said ) Parties involved will have committed a felony. PennyMac can not be allowed to circumvent the Law of Unauthorized Mortgage Account foreclosure business practices this is very similar to the Court approves XXXX XXXX XXXX  XXXX settlement for allegedly lying about fake accounts. Shareholders accused the bank of lying about cross-selling tactics XX/XX/XXXX, XXXX XXXX said business practice is much worse. 

If the request for short sale is not rebutted by written response following your receipt of this Compliant, I will presume said above facts to be correct and will enforce my Rights against any and all Banks, Servicing Companies and/or persons who violate my Rights willfully or out of ignorance of the Law. 

A denial of Due Process will be deemed an act of conspiracy and conversion and will be escalated to the TV stations channels XXXX, XXXX, XXXX, and XXXX Investigations Teams, my State Delegates, Senator, Governor, Office of the Comptroller of the Currency, State Attorneys General Office, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, etc. XXXX XXXX XXXX. : XXXX XXXX Agrees to Pay XXXX XXXX to Resolve Consumers Class Action Lawsuit About Unauthorized Accounts, will be hired to file this Class-action suit ( yes ) will cost PennyMac millions. 

UNDER PENALTY OF PERJURY, I have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief, is true, correct and complete. All calls were monitored and recorded ( phone transcript ) will verify the conversation with the above Parties.

Company response to consumer: Closed with explanation