Consumer complaint received 2022-08-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested twice for my account to be reviewed and corrected by someone other than the individual XXXX. for the following reasons below and have not received a response I have called and emailed with no luck and my account is still incorrect and I am still having payments missed applied and my accrued interest collecting incorrectly. I do believe that PennyMac is fraudulently using the XXXX relief partial claims system to mislead and take advantage of individuals who are already facing difficulties due to the pandemic. I request that the CFPB to an investigation. 

In addition after my phone call and submitting a request on XX/XX/XXXX several documents I have previously submitted and aknowledgments that had been on my Pennymac account have been removed. Please see attached. 
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XX/XX/XXXX PennyMac Loan Services , LLC Attention : Correspondence Unit XXXX XXXX XXXX XXXX XXXX, CA XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : CFPB Case File XXXX Mortgage Loan Number : XXXX I am writing in reference to my previous request for correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX 

On XX/XX/XXXX, I requested that the response submitted to me through the CFPB website from PennyMac be reviewed by a supervisor for the following reasons and I have not received a response. 

I am asking that the following questions be addressed by a supervisor and a response be no later than XX/XX/XXXX. 

My Request submitted to CFPB I am requesting that someone else review my account. You have missed represented several points in the conversation I had with you and individuals in your organization. 

XXXX ) This issue of the XX/XX/XXXX payment was not addressed. You stated that you applied for the payment I made to the outstanding payment for XX/XX/XXXX and you also stated that XX/XX/XXXX was included in the PennyMac advanced {$7300.00} to the loan. Therefore, the payment of {$1500.00} can not be applied to the XXXX payment and also calculated in the balance of the partial claim. Please explain/clarify how that is not collecting {$1400.00} for XXXX from me twice. 

XXXX ) The payments I made in XXXX, XXXX, XXXX, XXXX, and XXXX Should be allocated to the date you received the payments, not XX/XX/XXXX when PennyMac moved the funds from the suspense account. 

XXXX ) I never received the documents originally and requested to have them resent. I also never forgot about them I could not locate a notary that was available on my schedule. 

XXXX ) I did not request that you apply for my payment from XXXX to my principal- I specifically requested that you send me a full accounting of all money received and applied and after I review the documents, we would then discuss it. You never sent me the accounting that I requested. Again, I am requesting one last chance for someone to be assigned my account to review and contact me immediately. You did not follow through with anything from the conversation we had on the phone and your information is incorrect frankly I find several miss truths. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation