Consumer complaint received 2021-10-31
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 against PennyMac Loan Services , LLC ( PennyMac ) for fraud, inpersonation, perjury, racket under THE MICHIGAN PENAL CODE Act 328 of 1931 and other unlawful conduct. Demand for disgorgement of illegally collected money. 
Complaint against XXXX XXXX XXXX under Promissory Estoppel and demand compensation of property Title Damages {$130000.00} as promised under Title Insurance Policy. 

On XX/XX/XXXX I entered into a transaction labeled as mortgage lending with a fictitious party XXXX XXXX  who posed as a Lender. During this transaction I was lead to believe that someone loaned me some money for home financing ; and my transaction is covered by an extensive XXXX XXXX from XXXX  XXXX  XXXX  who acted behind sham conduit XXXX XXXX.So, I had no worries about my transaction since it looked legit. 

In reality I was dealing with completely different parties who never appeared in my transaction who never loaned me any money ; and it was not mortgage lending but covered Investment Contract where one of large Investment Banks secretly purchased my signature with promises to repay for certain information about money based on XXXX transaction between XXXX XXXX XXXX and the prior owner, which was a base for initial securitization scheme either for XXXX or some other Big Bank, to sell it on the open market as bets to Investors ( identity theft ) for unjust enrichment such as at least {$50.00} per {$1.00} of information dressed as a " loan '' I reasonably relied on this representation since it appeared to be true but in fact everything was a lie and misrepresentation in XXXX XXXX XXXX ' giant Ponzi Scheme ; securities fraud and direct fraud against customers like myself. My Title Insurance Companies - XXXX XXXX  and XXXX  XXXX  - are also heavily involved in this crime. XXXX XXXX pretended that they received some money as " financing '' ( which they not able to prove ) and deceptiovely sold me Title Insurance Policy from XXXX whom themselves cloud property Titles with forged documents via its subsidiaries such as XXXX XXXX, ect. 

On or about XX/XX/XXXX someone acting as PennyMac sent me an unsigned letter claiming to be a new Servicer for my alleged transaction with XXXX. 

This sudden change of Servicers for my purportedly XXXX XXXX loan looked suspicious and I decided to file a Qualified Written Request and Debt Validation Demand to PennyMac ( formerly XXXX XXXX ) and XXXX XXXX XXXX , XXXX ( formerly XXXX XXXX  ) where I asked for proof of authority to collect from me any money by PennyMac and XXXX ; and whom they are servicing all this time. 

Both Companies erupted in lies. Caliber initially claimed ownership in my loan but later changed ownership to XXXX XXXX. 

From XX/XX/XXXX to present time PennyMacs employee XXXX XXXX ( if it is his real name ) insisted that PennyMac purchased my loan from someone whom PennyMac still can not identify ; my loan is pooled in some XXXX XXXX XXXX where XXXX  XXXX XXXX  XXXX  is a Trustee ( neither PennyMac or XXXX can not identify this Trust ) and that PennyMac is the owner/investor/creditor of my alleged obligation who collects from me paymentsas a servicer to pass them to XXXX  XXXX  XXXX  XXXX  who distribute my payments to Investors who is PennyMac. This is absurd, specially since PennyMac can not prove any of these statements. 

On XX/XX/XXXX, or one year later, XXXX XXXX, XXXX ( XXXX, acting as MERS ) Vice President XXXX XXXX ( whom nobody can find ), hired by XXXX ( who transferred my alleged loan several times between XXXX XXXX XXXX, XXXX to various parties ), appeared before FL Notary XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) employee XXXX XXXX and presented some documents ( which are never available to me ) for review. 

If XXXX is a real person living in some legal jurisdiction, he exists. But that doesnt mean that anyone can just use his name to engage in a transaction with anyone else, much less the courts.So far nobody can find neither VP XXXX or Collateral Shipper XXXX XXXX whose electronic signature is attached to XXXXtransferring my Note to XXXX on my closing day. XXXX refused to investigate these illegal and fraudulent transfers even though I demanded them to investigate. 

One of such documents presented by Ghost VP XXXX was some good and valuable consideration paid by someone to someone on some undisclosed time. 

Based on these documents XXXX attached Mr. XXXX electronic signature and via XXXX fictitious name XXXX, XXXXsubmitted this forged Assignment to XXXX XXXX XXXX office for recording. 

According to my XX/XX/XXXX conversation with XXXX agent XXXX, XXXX does not do any filings they merely allow other companies to use their system for recording documents- in my situation ( as Mr. XXXX said ) to XXXX who decline to answer any of my questions about their authority to act on behalf of my legit creditor. 

Mr. XXXX answers contradict with XXXX website description of their services digitizing document creation and processing. Docs can be electronically signed, notarized, and recorded. So, basically XXXX via XXXX offers a mass forgery of documents since their convenient electronic notarization is a flagrant violation of Notaries professional obligations and legally insufficient. 

On XX/XX/XXXX I called XXXX and spoke with their agent XXXX XXXX who promised to call me back with more information about who authorized XXXX to prepare this Assignment, which documents were presented to XXXX for review, that was the amount of consideration and who paid it and to whom, and that is contact information for XXXX ( dba MERS ) Vice President XXXX, so I can tact him in person. 

Someone from XXXX called me later and left me a message that I suppose to contact Servicer PennyMac to ask PennyMac these questions. Its unclear why I should contact PennyMac, who was an assignee- not the Assignors XXXX/MERS/XXXX On XX/XX/XXXX I called PennyMac and spoke with their representative Mrs. XXXX who firmly attested that the owner/investor of my alleged transaction is XXXX XXXX. Since this was a conversation with the debt collector, it was recorded by me for quality purposes and can be presented for review. 

Mrs. XXXX several times firmly confirmed that XXXX XXXX is the owner of my alleged obligation and investor. 

Which drastically contradicts with PennyMacs employee XXXX XXXX statements that PennyMac is the owner and investor. When Mrs. XXXX tried to connect me with XXXX XXXX, he dropped off the line. 

Neither XXXX or XXXX can not tell me whom exactly PennyMac is servicing ; who appointed PennyMac as a Servicer and which authority has PennyMac to demand from me any payments. 

According to letter from HUD on XX/XX/XXXX, XXXX XXXX has no records of any of my transactions starting from XX/XX/XXXX, when I signed alleged Mortgage with XXXX. 

Since PennyMacs employee XXXX in the harsh manner demanded from me money ( under unknown authority for unknown creditor ) and even threatened me with foreclosure, this is a text-book racket under MI Act 328 of 1931inlcuing but not limited to ( m ) A violation of section 93, 94, 95, or 96, concerning bank bonds, bills, notes, and property. 

( n ) A violation of section 110 or 110a, concerning breaking and entering or home invasion. ( someone under name PennyMac repeatedly sends me property inspectors from other states who trespass to my property without notices to me ; and illegally charge me for it which is a pure racket. 
( v ) A violation of section 213, concerning extortion. ( w ) A felony violation of section 218, concerning false pretenses. ( y ) A felony violation of chapter XLI, concerning forgery and counterfeiting ( z ) A violation of section 271, 272, 273, or 274, concerning securities fraud. ( hh ) A violation of section 422, 423, 424, or 425, concerning perjury or subornation of perjury ( Mr. XXXX repeatedly lies to MI DIFS and CFPB which is a Federal Authority ) I will submit a report with my local police Department to demand them to investigate PennyMacs unfounded demands aka racket, illegal trespasses to my property by unauthorized inspectors ; Proof of Lending from my local con artists XXXX XXXX XXXX who purportedly received some money transfer from XXXX but never provided me any proof of it and who purportedly recorded my mortgage in XX/XX/XXXX and other crimes. 

I again demand PennyMac to provide me proof of authority to collect from me any money and who provided this authority to PennyMac ; material proof of their alleged ownership of my obligation ( copy of wire transfer, cancelled check, ACH ), the amount of good and valuable consideration paid by PennyMac for my alleged obligation, to whom it was paid ( names and contact information ) and a copy of PennyMacs ledger and the name and contact information for the Accountant who is responsible for making entries in this ledger. 

Since forbearance of my non-existing loan account is ended and I experience a hardship to make tax-free donations to racketeers who are acting under name of PennyMac, I will deposit all my payments into an interest bearing account and gladly transfer them to an Accountant of my alleged Creditor ( if any ) but only when I will be able to contact this Accountant directly and receive copies of all documents based on which PennyMac claims their ownership and authority to collect ; proof of all disbursements ( including valuable consideration paid for my loan ) and deposits of my prior payments into my alleged creditors account receivable ( not bogus Financials printed from XXXX XXXX  XXXX ). 

My Creditors Accountant must be a real person who ( 1 ) can personally contact me to provide me his/her contact information and direct email ; ( 2 ) acknowledges my payment; and ( 3 ) claims, in writing signed by an officer that is legally authorized to issue the acknowledgement because it is the owner of the alleged underlying obligation. 

In the meanwhile I demand from PennyMac and their master Stockbroker a disgorgement of all money paid by me from XX/XX/XXXX ; and damages for being cut out of a deal that I was unknowingly drafted into participating. 

This is not a refusal to pay but demand for proof of ownership, authority to collect and existence of my alleged obligation I further demand XXXX  XXXX  XXXX to compensate me {$130000.00} for damages under my Title Insurance as required by Promissory Estoppel in Michigan law.

Company response to consumer: Closed with explanation