Consumer complaint received 2019-04-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received the notice on the CFPB website that PennyMac and Company still working STATUS Company response is in progress as of XX/XX/2019 The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE PennyMac is actively researching the concerns raised by Ms. XXXX XXXX ; however, additional time is needed to determine the resolution. Ms. XXXX XXXX is currently researching the request, and will provide a resolution within the allocated time. Please be advised the name the woman property owner goes by is XXXX XXXX XXXX not Ms. XXXX please that is non-descriptive and could be confusing to whom is being addressed the woman or the entity? i am named XXXX XXXX XXXX. 

I have been contacted by phone as a threat to be in collections more over they are calling my husbands/partner phone and are being rude and mean. Very unnecessary and unwarranted at this time. If you are doing the research for the Tender Of payment i am allowing you time to do so before filings for arbitration is filed due to the threats made by PennyMac. But please cease and desist all calls and contact your CEO office aka Back Office for further incite on the Tender of Payment. 

Come now and notice that I the home owner! have not received a letter [ s ] from the CEO or Controllers from the Back Office of PennyMac Corp, or CEO or Controllers of XXXX XXXX agency concerning the decline of the Tender of Payment Offer. Please  provide in writing your legal and or lawful reason [ s ] for not accepting the government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. A letter from the Research Department is not the proper channel for this type of payment because they do not know what the Tender Of Payment is! 
A copy of the Tendered payment was mailed to the US Treasury and received for you to retrieve payment! Please note ; In the United States, a mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. It's the promissory note that contains the promise to repay the amount borrowed. ( Learn more about promissory notes. ) While a promissory note is basically an IOU that contains the promise to repay the loan, the mortgage or deed of trust is the document that pledges the property as security for the loan. As i explained 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitl
ed to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged.

Company response to consumer: Closed with explanation