Consumer complaint received 2015-06-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PennyMac is proceeding with an unlawful foreclosure sale after fraudulent transfer of purported loan with XXXX XXXX XXXX XXXX. ( purported loan # 's : XXXX,XXXX ) The sale date itself was unreliable as notices referred to both XXXX XXXX and the XXXX as the sale date. A representative on a conference call and auction site stated that the sale was cancelled as of the XXXX but there was no access on the trustee web site. A representative from XXXX XXXX sent an email that showed no regard or knowledge for problems with the case the past 7 years and stated the sale was going forward. At this point there appears to be conflict of interest as XXXX XXXX XXXX XXXX XXXX was the lawyer for XXXX XXXX previously and can not be considered an objective trustee. 

On purported transfer, a verification of debt notice was provided, that I answered to request verification of debt. I also provided the cease and desist letter and demand delivered to XXXX XXXX and XXXX, the purported trustee of Trustee Sale : XXXX. Instead of addressing violations XXXX evaded law and proceeded with the transfer after sale was canceled. 

The letter included in PennyMac 's response to the verification of debt response dated XX/XX/XXXX with a stamped signature from the Research Department states " ... the borrower 's loan was not under review for a Foreclosure Prevention Alternative ( FPA ). '' This statement reflects no knowledge of the negotiations to address the violations of the settlement and contradicts the case law and XXXX representative assurances that a sale would not go forward as long as there were outstanding issues related to settlement guidelines. This statement also ignores the history of my case concerning loan modification applications that were manipulated without my knowledge and the bad faith acts on the false offer XX/XX/XXXX, the last minute offer before the XXXX sale in XXXX XXXX and subsequent requests to verify standing and debt that has resulted in additional violations, fraudulent/robosigned documents and harmful actions. 

There can be no legitimate review of a foreclosure prevention alternative with no legitimate single point of contact as documented, no verification of who is the rightful creditor/beneficiary or the purported debt and numerous, documented manipulative claims and offers, that are presented as FPAs, to SELECTIVELY address issues raised. It reached the point that XXXX is repeating it 's lies, manipulations and worthless apologies. 

Violations of the CA Homeowner Bill of Rights, the National Mortgage Settlement, local laws and other settlements/laws were not addressed as document packages, accepted as responses by the CFPB, included documents that did not apply to the purported, disputed loan and other errors and misrepresentations as documented in detail in previous CFPB complaints and qualified written requests. 

PennyMac is continuing the XXXX XXXX pattern to manipulate the foreclosure process, robosign documents and to mislead and commit fraud to harm me, the tenants and the community with malice. 

A false offer, unlawful attempt to evict, misleading modification offers, negligence and/or fraud leading to a criminal charge against me represent intentional harm and oppression that is being ignored by every agency and level of government. 
Please see attached, XXXX for additional description and details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation