Consumer complaint received 2018-06-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mailing Hard copy of letter to follow up from the below email. Please let me know if you received the below email. Call and I can forward the proof of the wrongful foreclosure by XXXX. I have to go to court on XX/XX/XXXX @ XXXX and want to make sure everyone is aware before my court date. Thanks! 

Emailed the following for assistant and never received any responses since last year XX/XX/XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX  follow up email To : XXXX XXXX <XXXX> ; XXXX ; XXXX ; XXXX Cc : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX <XXXX> ; Consumer <XXXX> ; Civil Rights <XXXX> ; XXXX ; XXXX Subject : Wrongful Foreclosure by XXXX XXXX  XXXX and Penny Mac Following up from the mail in letter on XX/XX/XXXX To Whom It May Concern : My name is XXXX XXXX and my mortgage account number with XXXX XXXX XXXX is XXXX. I was approved for a home modification in XX/XX/XXXX. First payment was due on XX/XX/XXXX. I made every payment on time until my payment was returned in XX/XX/XXXX by XXXX XXXX XXXX because my account was transferred to Penny Mac Loan services. I begin to make payments to Penny Mac until my payment was returned by Penny Mac because my home was placed in foreclosure on XX/XX/XXXX, which was 2 days before the returned payment by XXXX  XXXX XXXX directing me to make payments to Penny Mac. I contacted them several time prior to the return check in XX/XX/XXXX because I kept getting letters from XXXX XXXX XXXX   about a foreclosure. No one was willing to work with me and after several attempts to get my account current ; I went and filled out a Motion for a stay of the sale to stop the foreclosure proceedings on XX/XX/XXXX. Unfortunately the motion was denied on XX/XX/XXXX. 
On XX/XX/XXXX, the court wrote a letter to the plaintiff asking for a status report on the case XXXX. XXXX XXXX XXXX responded by setting a foreclosure date for XX/XX/XXXX. I went to XXXX XXXX XXXX on Monday XX/XX/XXXX and I was told by the XXXX in the mortgage department that penny Mac received the loan modification and should honor it because it wasnt finalized before the loan was transferred. I contacted Penny Mac on Friday and I was told for the first time by ( XXXX ) that XXXX  XXXX XXXX cancelled my loan mortification when I didnt sign the final modification documents in XX/XX/XXXX. I received the final documents but my last name needed to be changed so I spoke to ( XXXX ) and he asked me to email my drivers license, marriage certificate, and my divorce decree, which was emailed on XX/XX/XXXX and XX/XX/XXXX. He also told me to continue paying my trial amount XXXX until the final modification was completed, which was XXXX. After months of contacting Penny Mac to finalize my loan modification and update my account, they waited until Friday XX/XX/XXXX to tell me that XXXX  XXXX XXXX cancelled my modification in XX/XX/XXXX and mailed me a letter which I never received. Why didnt XXXX tell me this on Wednesday XX/XX/XXXX when she reviewed my account? Ive made every payment since XX/XX/XXXX and now they have decided to foreclose without honoring the agreement or allowing me an opportunity to seek the following. 
1. Mediation 2. Short Sale of the home 3. Fair Market Sale 4.  Deed in Lieu of Foreclosure 5. Assumptions upon sale if applicable. 
Please let me know what assistance your office provides to customers that was approved for modification and XXXX  XXXX XXXX/Penny Mac refuses to assist and start foreclosure proceeding on your property. 
Enclosed are the following documents : 1. XX/XX/XXXX approved Modification documents from XXXX XXXX XXXX 2. Letter showing the transfer of loan to Penny Mac and the returned payment on XX/XX/XXXX from XXXX  XXXX XXXX. 
3. Court documents showing a date of XX/XX/XXXX when they started the foreclosure proceedings which is 2 days before XXXX XXXX XXXX returned my payment and asked me to make payments to Penny Mac. 
4. Documents showing all payments made since XX/XX/XXXX 5. Motion papers and denied letter from the court 6. Letter to  show a status report from the court XX/XX/XXXX 7. Letter from attorneys office showing the foreclosure date 8. Returned check from Penny Mac 9. Letter from Penny Mac stating that I havent made payments since XX/XX/XXXX. It also included the reinstated amount needed is XXXX FYI incorrect amount 10. Foreclosure ad with the amount needed of XXXX which is less than the XXXX that they claim I owe. 
11. Email from XXXX. 
12. Copy of final modification document showing the approval with the wrong last name. 
Please let me know if your office can assist. I appreciate you taking the time to review my case. Thanks! 
Case # XXXX. 
FYI : ALL COURT DOCUMENTS ARE MISSING COURT STAMP AND I NEVER RECEIVED A LETTER FROM XXXX OR PENNY MAC STATING THAT THIS LAW OFFICE WOULD BE REPRESENTING THEM. ALL OF THE CURRENT DOCUMENTS THAT IVE RECEIVED DONT HAVE XXXX  OR PENNY MAC LISTED AS LENDER. ALSO, THE FORECLOSURE PROCESS HAVE HUGE DISCREPANCIES, FROM TO THE AMOUNT OWED, THE START DATE OF THE FORECLOSURE WHEN THE LAW OFFICE LISTED THAT I HADNT MADE PAYMENTS FOR A YEAR BUT CONTINUE TO RECEIVE PAYMENTS FROM ME UNTIL THEY RETURNED IT IN XX/XX/XXXX. 
XXXX XXXX XXXX cell

Company response to consumer: Closed with explanation