Consumer complaint received 2022-09-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Complaint and Demand for updated PayOff Statement, with full name of my Creditor, its full mailing address ( not po box ) and signed by the authorized Agent of my creditor. Demand for a copy of my Promissory Note, with full chain of assignments and proof of payment for each transfer ( wire, ACH, Cancelled Check ). Demand to disclose physical location of my original Promissory Note and time and place where I can inspect my ORIGINAL Note in presence of the custodian of my Note. Demand to set up time and place where I can personally deliver my money to an authorized officer of my alleged " creditor '' after I receive a copy of my Note and inspect my original Note with custodian. 

On XX/XX/2022 I submitted an another attempt to find my alleged " Creditor '' who owns my " loan '' ; and to make my payment- but only if an officer of any business entity warrants ownership of an unpaid loan account due from me and acknowledges the agency of the designated servicer to administer, collect and enforce said account. 

I never received any respond from any officers of my Creditor ; and no warranties of ownership, or acknowledgement of any Agency.

Instead I received the same computer-generated absurd runaround " from " XXXX '' and an unsigned " PayOff Statement '' dated XX/XX/2022 - mailed to me by XXXX, XXXX XXXX their XXXX XXXX XXXX Nevada 's office. The letter also stated that if I pay my loan in full XXXX will process and submit the lien release to the county recorders office. Again, here is absolutely no references WHO will provide me a lien release.

This " PayOff '' is legally invalid since it lacks any references to my alleged " Creditor '' and not signed by any authorized officer of this " Creditor ''.

As of today, my Creditor did not identify itself and I don't know who demands from me money and why.

The " payoff '' is always the same, unsigned and without any references to my Creditor. 

It is always coming from XXXX. On XX/XX/2022 it was sent to me twice ( 2 times, on the same day! ), one from LA, another from XXXX XXXX where XXXX has no offices, as they told to Securities and Exchange committee. 

XXXX XXXX XXXX admitted they are a Servicer who prints and sends me " billing statements '' and correspondence on XXXX 's letterheads. 
Another Servicer - XXXX XXXX XXXX XXXX- was confirmed as collector and processor of my payments for unknown to me parties. 
Another Servicer - XXXX XXXX XXXX- also confirmed its involvement and a paying agent for local tax assessor.. 

The only one company who does absolutely nothing is XXXX whose name is used on the letterheads by at least a dozen of various XXXX companies, all defined as Servicers by CFPB. 

My Promissory Note with full chain of endorsements and evidence of payments of money via wire transfer, or ACH, or Cashier 's check- is still missing from all records and never provided to me by " XXXX '' or anyone else, despite numerous demands. I don't know who is a custodian of my ORIGINAL Promissory Note and where it is physically located, it is another mystery to me. 

I offered to deliver my full payment in person to an authorized officer of my Creditor, but only after I receive a warranty of ownership of an unpaid loan account due from me and acknowledges the agency of the designated servicer to administer, collect and enforce said account ; and review my original promissory Note with its custodian. 

Zero respond. 

The " new '' payoff statement does not even mention the name of the Company who claims to be my Creditor, no need to say any names of individual officers who is responsible for preparing this payoff statement. In fact, its the same fatally defective unsigned piece of paper, just with a different date, printed and mailed to me by XXXX XXXX XXXX from XXXX XXXX, NE Nobody confirmed XXXX 's ownership of the account with XXXX XXXX where I suppose to wire my money, over $ XXXX ; or even authority to use this account while XXXX XXXX the alleged " lender '' to my property Seller still can not find my $ XXXX " loan from " XXXX '' ( because here was no loans from XXXX ). Now. XXXX XXXX suddenly replaced XXXX XXXX XXXX as " banking institution '' for unknown to me creditor for whom XXXX process my payments The payoff must be updated, included the name of the Creditor and its full business address ( not po box ) ; and wet-ink signed by an authorized officer of alleged " creditor.

Company response to consumer: Closed with explanation