Consumer complaint received 2021-12-18
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:
Dear CFPB I am contacting your Office to complaint against XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) fraud and racketeering activities ; and request additional forbearance on my non-existing " mortgage '' until XX/XX/XXXX, as was announced by the Government and HUD on XX/XX/XXXX I am a victim of the biggest economic crime and racketeering activities by XXXX XXXX Stock Brokers XXXX XXXX and XXXX XXXX who act via chain of sham conduits operated by their " Servicer '' XXXX XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

XXXX initiated my faux transaction in XXXX where I submitted my application on XXXXXXXX XXXX system via access with a password provided to me by XXXX XXXX XXXXXXXX. 

XXXX collected my money for XXXX XXXX Banks via lockbox agreements with XXXX XXXX XXXX sends me statements abnd letters on alleged " Servicers '' letterheads XXXX forged Assignment to " PennyMac '' via its sham conduit Nationwide Title Clearing I do not have a creditor whom I can contact with my request for forbearance on my non-existing " loan '' ; or any authorized agent for this creditor since my entire " financing '' with impersonator XXXX XXXX, XXXX was a ruse and a continuance of the securitization scheme initiated in XXXX by XXXX XXXX and their Investment branch XXXX XXXX with the prior owner XXXX. 

In XXXX nobody loaned me any money while deceptively obtained from me a signature to repay a non-existing " debt '' to alleged " Lender '' XXXX XXXX who was not a Lender but impersonator hired by XXXX XXXX and XXXX XXXX via chain of sham conduits XXXX XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX, XXXX ( former XXXX XXXX XXXX ) All manipulations with my paperwork and alleged " closing '' were done by XXXX XXXX owner XXXX XXXX XXXX XXXX via his sham conduits like ServiceLink From XXXX to XXXX I was sending my payments to XXXX XXXX and/or XXXX XXXX via XXXX XXXX XXXX XXXX TX where they were picked by XXXX, XXXX and deposited with XXXX of XXXX to someone's account as pure revenue under glimpse of repayment " debt '' while no one loaned me a cent. 

All my payments were collected by XXXX XXXX XXXX XXXX, via lockbox agreements and sham conduits who use various XXXX XXXX XXXX to communicate with homeowners while conceal identities of the senders. 

In XX/XX/XXXX I received a letter from another part of XXXX XXXX, now PennyMac who started to demand me to pay them money - without any evidence of ownership of authority to collect. 

In XX/XX/XXXX XXXX XXXX accused PennyMac in theft of their trade secrets and removed PennyMac from their database Mortgage Processing Services ( MSP ), so PennyMac would not be able to communicate with me in any manner ; and does not communiocate with me in any manner. It is all done via other companies who use PennyMac 's letterheads and electronically attached signatures of " employees '' who likely do not exist, like robo-signer XXXX XXXX whose name is similar to the name of serial killer in California jail XXXX 

But I am '' allowed '' to communicate only with " XXXX XXXX '' who disappeared as soon as I demanded a personal meeting and verification of his signature, along with addidavit from XXXX 's manager Since at least XX/XX/XXXX I received correspondence from XXXX XXXX XXXX XXXX whose sham companies are acting under glimpse of " PennyMac '' One company, likely XXXX XXXX XXXX, XXXX sends me " billing statements '' with " PennyMAc '' XXXX XXXX XXXX XXXX XXXX. My money are collected by XXXX XXXX ( now part of Exela ) without any involvement of PennyMzc My property taxes are paid by XXXX XXXX - whom can not explain who allowed them to use assess to my escrow funds and from whom they receive directions to pay taxes. 

My home insurance is paid by some " third party payment services '' provider whose name nobody can identify Nationwide Title Clearing corporation who purportedly " prepared '' assignment to PennyMac and its employee told me that XXXX XXXX whose name appears in the Assignment as a preparer did not actually prepared it or even saw it. 

MERS employee told me that alleged " MERS VP, robp-signer XXXX XXXX XXXX is actually PennyMac employee. 

XXXX employee said that robo-signer XXXX is actually XXXX  employee.Both statements lack any factual support since nobody can provide me any contact information for this " XXXX XXXX XXXX Someone's robo signer " XXXX XXXX XXXX keept telling me that PennyMac is the " owner '' of my alleged obligation, without any evidence in support. 

PennyMac 's " employee '' XXXX XXXX who works for someone's call center somewhere in Colorado, XXXX told me that the owner is XXXX XXXXWhen I asked for contact information to XXXX 's supervisor, she said I can only talk to " XXXX XXXX '' - without giving me his direct phone number or place of employment. 

I have absolutely no contact with my alleged " creditor '' other than toll-free numbers to someone's call centers ( operated under XXXX XXXX 's XXXX XXXX  unmbrella of companies ) I don't know whom I can contact and who has authority to approve my forbearance on non-existent " loan '' So, I decided to contact CFPB to ask for additional forbearance as announced by the Government in XX/XX/XXXX, which extends until XX/XX/XXXX. 

I have included alleged " Servicer '' PennyMac and faux XXXX XXXX '' Bank of New York in this request and complaint for references only since I don't know how else I can contact XXXX XXXX XXXX XXXX and his Mob in XXXX who sends me unsigned threatening Notices from secretive XXXX XXXX XXXX. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation