Consumer complaint received 2016-12-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have filed complaint with cfpb regarding pennymac loan services. they are illegally advancing foreclosure on my property XXXX XXXX XXXX without compliance, NO a right to cure, no acceleration, false statements in affidavits filed in XXXX county registry of deeds, XXXXXXXX. & XXXXXXXX. in order to conduct this illegal foreclosure. In their response dated XXXX XXXX, XXXX to my complaint filed with cfpb they write that they have followed state and fed laws. 
This is absolutely false. this is fraud. They are merely stamping robo signing fraudulent documents. Read CASE : XXXX XXXX. Read what XXXX XXXX did falsifying documents to advance foreclosure which was voided. She has done EXACTLY the same performance from lawfirm XXXX XXXX XXXX XXXX. by submitting fabricated documents dated XXXX XXXX XXXX claiming to have sent them certified us mail which is impossible for pennymac or XXXX to prove, because the certified letter never was sent. XXXX of XXXX XXXX in turn used this fabricated information to present to XXXX XXXX Court in effort to " show '' compliance with Servicemembers Act. In turn pennymac is using these fabricated docs to allege in affidavit to XXXX Registry of Deeds XXXX XXXX that they have complied with right to cure laws BEFORE they can foreclose. 
IT IS ALL FALSE INFORMATION, FABRICATED, ROBOSIGNED, PHONEY DOCUMENTATION DESIGNED TO " LOOK LIKE THE LEGAL PAPERWORK '' WHEN IN FACT NONE OF THE INFORMATION IS TRUE. IT IS YOUR AGENCY THAT REGULATES THE FORECLOSURE, TILA, RESPA, FAIR AND UNFAIR, UCC FRANK DODD, HAMP RULES AND REGS set in place to protect citizens in this country from fraud, underhandedness, deception, fleecing, dual tracking, theft, lies and wrongful foreclosure. 
when I presented these details to ceo XXXX XXXX of PennyMac I suddenly got letter " congratulations on streamline hamp loan modification '' just make 3 trial payments. I have completed the 3 payments, yet the online statement at pennymac reveals striking increase in foreclosure activity fees on my account, and it 's not possible to download the loan modification documents. the hamp regulations state that " ONCE THE BORROWERS MAKES THE 1ST TRIAL PAYMENT ALL FORECLOSURE ACTIVITY IS TO CEASE, THE FIRST PAYMENT EQUALS ACCEPTANCE OF THE HAMP STREAMLINE LOAN MODIFICATION PROGRAM, NO OTHER DOCUMENTS ARE REQUIRED UNDER HAMP STREAMLINE '' PENNYMAC IS VIOLATING HAMP REGS/RULES TO MY IMMENSE HARM RISKING AN UNANNOUNCED!!!! FORECLOSURE ON MY PROPERTY. THEY HAVE VIOLATED MY RIGHTS UNDER MY BANKRUPTCY PROTECTION AND CONTINUE TO TRAMPLE ON MY RIGHTS. PLEASE COMPEL THEM TO PRODUCE THE ALLEGED DOCUMENTS THEY CLAIM TO HAVE USED TO FILE THEIR AFFIDAVIT OF COMPLIANCE. IMPERATIVE THAT PENNYMAC PRODUCE THE ACTUAL RIGHT TO CURE AND IT 'S CERTIFIED MAILING RECIEPT, NOTICE OF ACCELERATION, AND EVERY DOCUMENT NEEDED IN FORECLOSURE COMPLIANCE. THIS IS A SERIOUS OFFENSE WHICH SHOULD NOT BE OVERLOOKED OR BRUSHED OFF WITH A " SENSIBLE SOUNDING '' LETTER FROM PENNYMAC. pennymac does n't even have the actual note which was a fabricated document by XXXX, on XXXX XXXX, at a time XXXX was no longer authorized to function/dba " XXXX '' as that entity was retired XXXX XXXX. The mortgage broker used fabricated documents with this extremely predatory negative amortizing loan. FDIC says XXXX not authorized to use XXXX after XXXX XXXX. XXXX claimed to have authority by assignment, but that assignment was robosigned post right to cure and robosigned to pennymac. this mortgage/note has been legally procedurally cancelled rescinded by me with no response within 20 days by servicer. by law this loan/note is void per operation of law. pennymac continually makes false claims against my bankruptcy a federal offense. imperative you intervene and demand documents. THANK YOU

Company response to consumer: Closed with explanation