Consumer complaint received 2021-11-25
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 and XXXX XXXX XXXX XXXX and demand for verification of identity and employment of XXXX XXXX as PennyMac 's Priority Complaint Specialist Dear CFPB, Please find my complaint and demand to verify identity of robo-signer XXXX XXXX and his employment with PennyMac Loan Services as Priority Complaint Specialist, and for how long XXXX XXXX is employed by PennyMac, in which positions. 

Please provide name and contact information for XXXX XXXX direct supervisor and the name and contact information for PennyMacs Human Resources employee who personally knows XXXX XXXX and who can personally verify XXXX identify. 

Please verify XXXX XXXX office address where I can meet XXXX XXXX and his direct supervisor in person to discuss my questions regarding PennyMacs authority to collect from me and who authorized PennyMac to collect from me. 

Please state when I can meet XXXX XXXX, his supervisor and the authorized representative of my alleged " creditor '' to discuss my options such as possible modification or other options to proceed with my payments to my legit creditor ( if any ) As of today I dont know who is my creditor and whom I have to make my payments ( currently I deposit my payments into interest bearing account and will be gladly to send them to my legitimated Creditor who can provide me proof how they obtained rights to collect from me, as required by UCC Article 9.203. - such as proof of payment for my alleged loan, ( copy of wire transfer, cancelled check, ACH ) ; who was the Seller of my loan ; and the copy of the accounting ledger which can show disbursement of payment for my loan by my alleged creditor ; where my checks are deposited ; and from which payments to Investors were made. 

From XX/XX/XXXX to present time someone who uses electronic signature XXXX XXXX sends me numerous letters full of absurd and contradicting lies from various cities and states across the Country. 

I have a reasonable doubt that XXXX XXXX is a collective name for a group of people who do not send me these letters since they are prepared and mailed to me by someone else. 

For example, in most recent letter on XX/XX/XXXX robo-signer XXXX XXXX avoided answers to any of my questions regarding identity of my creditor ; who authorized PennyMac to approve my forbearance and how this creditor obtained rights to collect from me any money. 

XXXX further lied that I denied modification because I asked for proof of PennyMac 's authority to offer me any modifications or discuss with me any other options. I spoke with XXXX XXXX who provided me information about ownership of my alleged obligation which is completely different that " XXXX XXXX " said. 

As of today I do not know who is the owner of my alleged " debt '' and has authority to collect my money or offer me any modifications. I do not have any proof of such authority as well as absolutely no proof of PennyMac 's authority to collect from me any money. 

According to robo-signer XXXX XXXX the owner of my alleged debt is PennyMac. When I ask " XXXX '' how PennyMac became the owner and who sold PennyMac my loan, " XXXX '' either lie or refuse to answer. 

According to XXXX XXXX, the person which whom I spoke on the phone, the owner is XXXX XXXX. 

According to XXXX XXXX FOIA officer XXXXXXXX XXXX letter on XX/XX/XXXX XXXX XXXX does not have records of any of my transactions, starting from XXXX XXXX. 

According to robo-signer " XXXX '' PennyMac collects my payments to give them to XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX 

According to my cancelled checks, my payments are collected by XXXX XXXX XXXX or their branch XXXX XXXX and deposited with XXXX XXXX  XXXX account whose owner is unknown to me. Here is no indicate if any of my checks were collected or deposited by PennyMac or who received my money. 

According to robo-signer XXXX XXXX XXXX PennyMac is the Issuer of securities backed by my loan which is pooled in XXXX XXXX XXXX where XXXX XXXX XXXX XXXX is a Trustee. 

According to PennyMac Chief Financial Office XXXX XXXX letter to Securities and Exchange Committee, PennyMac is NOT authorized as an Issuer for XXXX XXXX. 

In other words, numerous real people such as XXXX XXXX, HUD 's officer XXXX and PennyMac 's CFO XXXX XXXX proved that robo-signer " XXXX XXXX XXXX is a liar. 

Please order XXXX XXXX to confirm that he/she personally prepared and signed letter of XX/XX/XXXX. 

Please state city and State from which this letter was mailed. 

Please state the name, office address, phone number and email for an authorized person who instructed XXXX XXXX to prepare and mail XX/XX/XXXX letter to me.

Company response to consumer: Closed with explanation