Consumer complaint received 2015-12-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This statement is a follow-up to CFPB Case Number : XXXX. PennyMac Loan Services , LLC is committing fraud by not reporting or writing my direct advanced payments in the Annual Escrow Account Disclosure Statement ( Dated XXXX/XXXX/XXXX ) provided to me by PennyMac. I have neither missed nor late in payments on my VA Loan mortgage since I bought my home XX/XX/XXXX ( Currently paid {$1700.00} mortgage for the month DUE of XX/XX/XXXX last XX/XX/XXXX. These payments were accepted by PennyMac directly from my bank and from the County of XXXX XXXX Treasurer-Tax Collector XX/XX/XXXX-XX/XX/XXXX ; these payments are : {$1200.00} on XX/XX/XXXX from my bank ; {$1900.00} XXXX Installment Transaction Date XXXX/XXXX/XXXX XXXX ( Transaction ID xxxxxxavailable ), XXXX Installment {$1900.00} Tran-Date XX/XX/XXXX XXXX ( Transac ID XXXXavailable ) Property Tax payments for Fiscal Year XX/XX/XXXX and Ending XX/XX/XXXX. PennyMac have sent me {$780.00} SURPLUS Disbursement Check Voucher ( Check Date : XXXX/XXXX/XXXX ). Very STRESSFULLY CONFLICTING TO ME, PennyMac have sent me and my wife THREATHENING/HARRASSING LETTERS OF NOTICE OF DEFAULT AND INTENT TO ACCELERATE foreclosure, loss of property, negative report to the credit bureaus ... etc. Deceiving terms being used ; since I bought my house XX/XX/XXXX till XX/XX/XXXX ( almost two years ) I have paid my property tax, and my Monthly Mortgage Statement sent by PennyMac of {$1400.00}. Upon re-evaluating/reviewing my monthly mortgage BY PennyMac in XX/XX/XXXX stated that my monthly payment should be {$1700.00} to include Property TAX. Hence, property tax was/is paid by me ever since I bought my VA Mortgage home, WHY is PennyMac not crediting/refunding/returning paid excess property tax payment to me first, the County Tax Collector have been paid till XX/XX/XXXX ; OR, credit it to my account with me paying {$1400.00} till final disbursement in XX/XX/XXXX. OR, better yet In response to my CFPB Case Number : XXXX, XXXX XXXX XXXX Priority Complaint Specialist, PennyMac Loan Services LLC, my LATEST Monthly Mortgage Statement Amount Due : XXXX/XXXX/XXXX is {$5200.00}. I am aware that my VA Loan mortgage payment pays for my Thirty ( 30 ) years Fixed Rate of 3.25 % for {$320000.00} only for PRINCIPAL, INTEREST ( {$1400.00} ), and PROPERTY TAX. My home insurance is also paid/covered till XX/XX/XXXX. PennyMac is committing fraud for collecting with threat/schemes already paid property taxes, accepting disburse money from me and the County Tax Collector Office 's and not reporting all on the Annual/Monthly Statements for paid previous property taxes. With clear conscience, I paid my property taxes ever since buying my home knowing that it was NOT IN ESCROW when I signed the contract, ensuring that I would not PAY " ESCROW '' but the term " impound '' was use which I was not aware ; hence, I was focused on the word " ESCROW. '' REGARDLESS!! PennyMac if it is an honest mortgage lender should/shall credit paid property taxes in my account as mentioned above or returned to me. Documented payments from me will all be accounted for, it is simple math.

Company response to consumer: Closed with non-monetary relief