Consumer complaint received 2022-08-01
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, QWR and DVR against XXXX XXXX XXXX, XXXX., their lawyer XXXX XXXX XXXX and PennyMac Loan Servicing , LLC ( former XXXX XXXX XXXX XXXX ) as the name provider in a sophisticated mortgage fraud scheme, false representation ; deceit ; and illegal clouds of Title. 
I demand XXXX XXXX  XXXX ( XXXX ) to RETRACT their illegal Affidavit on behalf of fake party PennyMac ; and provide mandatory disclosures as required under RESPA and FDCPA. 
XXXX are debt collectors under FDCPA who are hired by allegedly Creditors to collect debts owed to others. The debts must be real, the creditors must be real and XXXX clients must be real. Moreover, XXXX are acting as Servicers who perform certain activities- not authorized by PennyMac but third parties who send XXXX instructions via secured websites or emails. 
On XX/XX/2022 XXXX lawyer XXXX XXXX XXXX drafted an Affidavit on behalf of purportedly PennyMacs authorized representative XXXX XXXX located in Texas XXXX XXXX, at large, ( where PennyMac has no offices and authorized representative did not provided her actual position with PennyMac or her place of employment or her office address, or any other contact information. 
According to lawyer XXXX, XXXX has some knowledge of the facts stated by XXXX, based on XXXX ' review of the alleged Mortgage ( which can be reviewed by anyone on the County XXXX ) obtained in conjunction (? ) with the origination or servicing of this alleged Mortgage. Origination and Servicing are two separate activities, while for some reason XXXX never mentioned the current OWNERSHIP of this alleged " obligation '' without which her actions are flagrantly illegal. The Note was not mentioned, and apparently not reviewed by XXXX. 

This Affidavit is fraudulent and must be immediately removed from my property records since neither XXXX or fake Servicer PennyMac have absolutely no legal rights or authority to record it. 

I am being victimized by a scheme that involves false impersonation and false agency on claims that do not exist. I am receiving correspondence and notices on PennyMacs letterhead on various matters, as well as various filings with PennyMacs name on it but it is apparent from my research that PennyMac does not have any knowledge of these notices or filings, has not authorized them and did not send them. 

Moreover, the alleged owner of my alleged loan XXXX XXXX officially denied any knowledge about my transaction starting from XXXX XXXX  XXXX XXXX XXXX and has no records about any origination, or servicing of my alleged loan which is also can not be found by anyone, including PennyMac who merely rents its name to undisclosed to me parties who actually facilitate all servicing on behalf of unknown to me XXXX Bank XXXX 

XXXX XXXX  XXXX XXXX XXXX  who purportedly receive my payments from Servicer PennyMac, deny its involvement in any of these activities. 

My home XXXX XXXX, XXXX XXXX, removed PennyMac from my home insurance policy as additional insured after PennyMac failed to validate its right to be on my policy. 

Credit Agencies removed PennyMac from my credit report, along with other scammers-for-hire XXXX XXXX, XXXX XXXX a fake `` Lender '' who never loaned me or anyone a cent and who was not even involved in my transaction - other than the name holder. Everything was done via XXXX XXXX 's website where XXXX provided me a passcode. The same XXXX XXXX hires lawyers to present false claims to homeowners and Courts, including XXXX lawyers Further, the notices and correspondence make reference to some nonexistent claim that I made regarding some nonexistent transaction. However, PennyMac has given permission to undisclosed third parties ( XXXX companies such as XXXX XXXX XXXX XXXX, XXXX who actually send instructions to XXXX ; XXXX, XXXX who prints and sends me billing statements and all other correspondence on PennyMac 's letterheads ( proof available ) ; and XXXX XXXX, XXXX who actually collects my money via lockbox agreements with XXXX and XXXX XXXX  and forward them to an undisclosed to me XXXX bank via mafia-style money laundering operation. All of them use PennyMac name to cover their illegal activities, including drafting and filing this Affidavit on XX/XX/2022 which was supposedly returned to XXXX, who act in unknown to me capacity. 

PennyMac are being paid for this license to use their name for a fee, as well as XXXX since I doubt if lawyer XXXX actually drafted it Attached are exhibits showing this pattern of conduct involving the use of the PennyMacs name in many instances with me. All these letters were prepared and sent by XXXX, XXXX and XXXX XXXX XXXX XXXX who rent XXXX XXXX XXXX under PennyMacs name on it. 

To be clear, no unpaid loan account or any account receivable due from me exists on the books of any creditor/claimant. 

None of the disclosed parties has any authority to administer, collect or enforce any obligation from me ; or file any documents on behalf of this fake Servicer while lawyer XXXX ir XXXX  do not even know who hired them since all instuctions are forwarded to them by secured website operated by XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX XXXX ). 

All parties who were involved in any transaction involving me as a promisor or maker under a note have been paid in full or otherwise satisfied in full. None of them claim any underlying obligation or legal debt owed by me except through false agents claiming to represent other actors, who falsely claim the third parties own a debt due from me. 

Attempts to obtain an acknowledgment from such falsely named creditors have been rebuffed, meaning that they know the claim is being made, but they refuse to acknowledge that it is being done with their permission. 

I have contacted hundreds of other homeowners who have experienced the same scheme. This needs to be addressed before more of them agree to " settlements '' on claims that do not exist. They do so out of ignorance, fear, intimidation, and exhaustion. 

The perpetrators of this scheme have endlessly deep pockets. It resembles other scams like sending out false invoices to businesses in amounts under the threshold for researching the invoice 's validity. The businesses pay because it is less expensive than either rejecting the invoice or researching it. 

This is precisely within CFPB mandate to investigate and prosecute false claims that use the USPS. And it is right that CFPB should do so. Forcing individual consumers to litigate these issues is putting an unconscionable burden on them -- - spending tens of thousands of dollars in litigation fees and costs is simply impossible for most of these victims. 

Since XXXX joined this illegal team of Servicers and Debt collectors I demand from them following disclosures : 1. XXXX XXXX must confirm, via XXXX signed Affidavit, that she personally drafted attached Affidavit filed with XXXX XXXX XXXX XXXX office on XX/XX/2022. 

2. XXXX and lawyer XXXX must specify that relationship she and XXXX have with PennyMac and in which capacity she drafted this Affidavit and for whom. She must identify every natural person, its name ; place of employment, position with the Company ; and contact information who hired lawyer XXXX and who authorized her to draft and file this Affidavit with XXXX XXXX XXXX XXXX and why this Affidavit must be returned to lawyer XXXX. 

3. XXXX XXXX must disclose the METHOD how this natural person contacted her and provided her information she stated in the Affidavit. 

4. XXXX XXXX must disclose that she is going to do with this Affidavit after she received it from the Recorders office 5. XXXX XXXX must provide a proof of authority such as XXXX signed letter from PennyMacs ( or other companys responsible employee ) as well as when and where XXXX and its lawyer XXXX were hired to draft this Affidavit 6. PennyMac and lawyer XXXX must provide full position of Authorized Representative XXXX with PennyMac and her employment address and direct phone number with PennyMac. 

7. XXXX XXXX must respond to this Complaint and disclose how exactly she obtained knowledge about facts stated in the Affidavit ( does she perform any accounting activities or involved in any administration of this alleged transaction? ). She must provide me her direct phone number and office address, so I can contact her in person about her knowledge of the facts 8. XXXX XXXX must provide me a copy of the accounting ledger along with name and contact information of a natural person who is authorized to conduct administration of my alleged loan I reserve my right to follow up on this Complaint, QWR and DVR. In the meanwhile, this fraudulent Affidavit must be removed from my property records since it is illegal clouding of Title by non-authorized parties. 
Best regards XXXX XXXX

Company response to consumer: Closed with explanation