Consumer complaint received 2015-12-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1. I have a FHA loan on my home purchased XXXX/XXXX/XXXX through XXXX XXXX XXXX which was sold to XXXX XXXX XXXX shortly afterwards. I was terminated from my job XXXX/XXXX/XXXX because I did n't qualify for FMLA to have an XXXX that kept me out of work beyond my remaining XXXX XXXX days. I was hospitalized XXXX of the 11 days. I fell behind on my mortgage payment that was {$1700.00} at the time and remained delinquent for 9 months while unemployed. I became employed again on XXXX/XXXX/XXXX and finally, HUD secured the delinquent debt with a 2nd Lien and my payments remained {$1700.00}. I continue to struggle because this job paid {$13000.00} less per year than the job used to qualify for my home. This job lasted 2 years with no raise and therefore I had to find more income and therefore commuted to take a pay increase of {$8000.00} annually to {$58000.00} starting XXXX/XXXX/XXXX to pay my mortgage. Again, I needed FMLA and was denied. My XXXX daughter and college student became critically ill and was unable to care for herself. I became her care-giver on XXXX/XXXX/XXXX. U.S. Department of Labor later deemed that this was a violation of the FMLA Act. However, I was out of work for 6 months with no income due to denial of unemployment. My next job came XXXX/XXXX/XXXX, but now my salary of $ XXXX/year is {$18000.00} lower than XXXX salary. 
The Housing Crisis was happening obviously during the buying process and my house fell below its Principal Balance by more than {$100000.00} by Year XXXX. I submitted XXXX MHA Modification Requests to XXXX XXXX XXXX over a 2-year period from XXXX to XXXX. While engaged in Modification mitigation with XXXX XXXX XXXX, they sold the loan to PennyMac Loan Servicing effective XXXX XXXX, XXXX without providing a Decision on my MHA packet. PennyMac requested that I resubmit a new MHA packet to them to start the process again. Now, this is my XXXX MHA application ; nevertheless, I provided all requested information and documents. While engaged in MHA mitigation, PennyMac filed Foreclosure on my home with a Sale Date of XXXX/XXXX/XXXX. I, in turn, file Chapter XXXX on XXXX/XXXX/XXXX. My Bankruptcy payments were {$450.00} per month as I continued to pay my {$1400.00} Mortgage ( ARM ) and approximately {$1800.00} more expenses monthly. After being in Bankruptcy for nearly 1 1/2 years, the case was dismissed on XXXX/XXXX/XXXX for payment default. I 've been communicating with my Bankruptcy attorney and PennyMac for over 6 months now about the hardship to pay {$1800.00} ( XXXX + XXXX ) to my mortgage for much longer and needed relief. I also disclosed my most recent illnesses and what stress has caused. Now I have an XXXX, among other conditions. I 've called PennyMac over XXXX times since XXXX/XXXX/XXXX to speak with XXXX XXXX, the assigned representative ; however, she would not return my call. I have a voice message recorded on XXXX/XXXX/XXXX that she tried to reach me but nothing beyond that. I 've also left a message for her supervisor ; however, never received a call from her either. I 've been getting the run around since XXXX/XXXX/XXXX to provide them more documents and explanations of hardship surrounding the date of XXXX/XXXX/XXXX ; however, I 've been making my mortgage payment every month since XXXX/XXXX/XXXX through XXXX when I learn of the dismissal. It is obvious that they have not applied my monthly mortgage payments according to the Chapter XXXX Plan. On this day, XXXX/XXXX/XXXX, I have yet to speak with my assigned XXXX Representative after numerous requests. Furthermore, on this date, XXXX/XXXX/XXXX, my account states that the MHA application is still " Under Review '' and have not made it to the next step which is the " Decision '' ; however, I received notice from their attorney certified yesterday, " Notice of Acquisition '' and HUD 's Request for Temporary Stay once the home is acquired. 
2. Modify my Home. 
3. Will provide. 
4. PennyMac Loan Servicing

Company response to consumer: Closed with explanation