Consumer complaint received 2024-09-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

XXXX, XXXX, demand for TILA disclosures and Complaint against XXXX XXXXXXXX XXXX XXXX XXXX XXXX, formerly XXXX XXXX XXXX XXXX, formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fidelity National Information Services for violations of FDCPA, RESPA, XXXX, UCC, American with XXXX Act ; XXXX XXXXXXXX on financial abuses of a vulnerable adult here XXXX veteran XXXX and many other laws. 
XXXX XXXX XXXX  is a subsidiary of XXXX XXXX XXXX XXXX who purchased XXXX XXXX XXXX XXXX XXXX  ) from FidelityXXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX also owns fictious mortgagee XXXX  and in collaboration with XXXX XXXX XXXX XXXX XXXX [ owned by XXXX XXXX XXXX bank ] who sells access to XXXX  data to anyone who can pay {$6000.00} to use XXXX  platform owned by XXXX.. 
XXXX a fully automated racket system which operates and controls every single task in homeowners transactions, from origination to property disposition via illegal foreclosures XXXX XXXX was the real originator of my securities transaction falsely masqueraded as a loan from broker XXXX XXXX  XXXX who never loaned me a cent. 
From the origination to the present time my transaction is entirely serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ aka Fidelity ] who provide forged documents and instructions to various XXXX companies here : XXXX who prints and sends me billing statements on the letterheads of faux servicer XXXX XXXX XXXX XXXX XXXX letterheads XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX who collect and processed my payments on an account owned by XXXX XXXX XXXX bank who is servicing unknown to me parties; XXXX and XXXX XXXX XXXX XXXX who collect information and pay my property taxes from money provided to CoreLogic by XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX who pay for my home insurance ; XXXX XXXX and XXXX Documents Services who sent me unsigned Notices of Default under unknown to me authoroity ; and a cohort of smaller XXXX companies who perform various tasks like sent me Notices of Servicing Transfer and correspondence from VA XXXX XXXX  XXXX acting via complex chain of intermediaries allof whom pretend they are XXXX engaged in a pattern and practice of deceptive and fraudulent conduct that willfully misled me and the Courts resulted in illegal attempt to foreclosure [ steal ] of my home in XX/XX/XXXX which was entirely based upon forged, false, fabricated, deceptive and deficient documents that then-XXXX  XXXX and its subsidiary XXXX XXXX XXXX prepared and executive using stamps and names of fictitious employees of broker XXXX and alleged Servicer XXXX XXXX who acted under glimpse of its sham subsidiary XXXX XXXX XXXX XXXX XXXX XXXX 
Specially, XXXXXXXX XXXX XXXX  falsified, forged and fraudulently executed XXXX Allonges to my Promissory Note, XXXX dated by Closing day XX/XX/XXXX ; another is undated where XXXX  XXXX XXXX XXXX allegedly transfer loan number which belonged to broker XXXX  to unknown to me parties. Both Allonges have stamped sighnatures of non-authorized ficitious employees whom nobody can find, in violation of XXXX XXXX ; TILA and RESPA XXXX 
XXXX  also improperly directs and /or controls the work of foreclosure and bankruptcy lawyers XXXX XXXX  XXXX which was confirmed to the Court by lawyer XXXX XXXX on XX/XX/XXXX where XXXX said that that she gets all her instructions and can see documents on XXXX  database where lawyer XXXX  has a password and login. All documents provided by lawyer XXXX in my case are coming from XXXX  XXXX system which XXXX  personally admits in XXXX XXXX XXXX XXXX published in XXXX by lawyer XXXX XXXX, by legal action filed by XXXX XXXX  against XXXX in XX/XX/XXXX where XXXX XXXX insists that it is a real servicer and originator of XXXX  % of all so-called home loan transactions and by XXXX  own advertisement. 
XXXX  claims to be merely a technology provider and administrative middle-man when in truth XXXX  handles core responsibilities traditionally in purview of Servicers, including providing directions and forged and fabricated documents to foreclosure and bankruptcy lawyers from XXXXXXXX XXXX XXXX XXXX XXXX to lawyer XXXX XXXX who herself is acting as a servicer who fabricated financials for the false Claim in my bankruptcy case XXXX, re XXXX ; According to XXXX, she does not known if named Servicer XXXX paid any money for the debt ; and she does not know whom XXXX is servicing because all aftual servicing is performed by XXXX. 
XXXX  sends directions to other XXXX subservicers who collect and process my payments and pay for home taxes and insurance and send fraudulent documents and instructions to XXXXXXXX XXXX XXXXXXXX about how and when to proceed with various steps in collection and foreclosure and obstructing communication between XXXX lawyers here XXXX XXXX who has no knowledge about anything in XXXX transaction because she receives all documents and instructions from XXXX  and never communicated with anyone from her faux client PennyMac and does not know how to contact XXXX. 
In so doing XXXX masks and misrepresents its own role in my illegal foreclosure and false bankruptcy Claim. 
XXXX in its SEC Forms XXXX personally denied any involvement in any servicing of any agency loans XXXX charges mill lawyers a substantial referral fees, amounting to kickback, for every new foreclosure and bankruptcy case. XXXX  allows these referrals fees to be categorized deceptively as attorney fees on invoices transmitted through XXXX  system Then XXXX  presents these false fees to Insurers [ usually XXXX ] for payments, which are text-book as false Claims. 
The glaring example are over {$300000.00} in some litigation attorney fees billed by XXXX to me during my bankruptcy protection between XX/XX/XXXX to present time. 
XXXX automatically sends work orders to property inspectors on monthly basis to generate more false Claims which are presented to homeowners for payments. On XX/XX/XXXX was attacked by a convicted felon XXXX who was hired by XXXX  automated system XXXX  to perform illegal inspection of my property. XXXX said she does not know who hired her because she receive all referrals from XXXX database. 
Thus, XXXX is a Servicer under RESPA, Debt Collector under FDCPA and subject to disclosures under TILA This is my XXXX, XXXX  and demand for disclosures under TILA to identify the CREDITOR who owns the account receivable due from me and provide me direct contact information for this Creditors authorized employee who has personal knowledge about all transactions an accountant/bookkeeper who can explain me how much exactly I own [ if anything ] and to whom ; and personally verify all fees and charges. 
I demand Master Servicer XXXX  to provide me disclosures who hired and authorized XXXX  to conduct all servicing activities and issue documents and instructions to lawyer XXXX XXXX since XXXX on XX/XX/XXXX insisted that financials provided in respond to my CFPB complaints by XXXX companies who pretend they are XXXX are not autentical [ which is true ] and XXXX does not known where I received these financials I demand Master Servicer XXXX to provide me disclosures who is entitled to receive and who is actually receiving my payments during my bankruptcy case and who is entitled to receive proceeds and who will actually receive proceeds from forced sale of my property if successful I demand a respond from the actual human being employee of XXXX XXXX XXXX XXXX  on the merits of my request, not generated by unregulated XXXX XXXX runarounds from the team