Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

My ex-husband and I refinanced our marital home in XXXX with Pennymac. I was already on the title from XXXX purchase. I was not allowed on the loan. I was a homemaker without income. I divorced due to XXXX XXXX, the process was lengthy as my ex-husband sought to sabotage the process and my finances. Shortly after separation I heard rumor he put the home in XXXX forbearance despite being financially unaffected by XXXX. I pleaded with the mortgage co to talk with me, they could not because he would not cooperate. I was/am living in the home with our children. Divorce was final On XX/XX/XXXX. Final orders awarded the house to me in XXXX of XXXX. At this time I was able to communicate with Pennymac and began making payments towards a trial period to avoid foreclosure. I thoroughly explained the situation in great detail. I made every payment during the modification period and was waiting on the county clerk to issue a certified copy of the divorce decree. While waiting I was allowed to make the 1st payment towards the new loan outside the trial period and they assured me they had enough information to begin working with me. When I called to make the 2nd payment on the new loan I was informed they'd put it into foreclosure. ALL COMMUNICATION was being directed to my violent exhusband I asked them to please send copies of communication to the home on the loan and they would not. They would not add my phone number for contact for months. They would not communicate with me about modification. They sent that information to my ex-husband as well. I've been trying to save this loan since I was allowed to make my first payment in XXXX of XXXX they've refused to cooperate, communicate, or accept any payment from me. They have a copy of the special warranty deed filed with real property records and my decree. I've legally satisfied successorship. They've moved the home into foreclosure again. This home is all that I have in the world. I have good credit and steady income and a willing coborrower with steady significant income and excellent credit. They are unwilling to find a way to work with me. I have begged. I have cried. Everytime I call the phone is routed randomly to a representative and I have to spend a great deal of time explaining a very complicated situation. They have never once provided me with XXXX letter or document regarding the salvage of this loan. They took my money, but won't let me have my house. It has significant equity, but is in need of a great deal of repair due to my ex-husband. I am a single mother with a full time job for the first time in 20 years. It is my home. I am BEGGING them to take my MONEY!! PENNYMAC IS TRYING TO TAKE EVERYTHING FROM ME by continuing to perpetuate his abuse. This has complete control of my life and my financial well being and future!! I have called regularly. I have provided everything asked of me repeatedly!! Stop contributing to my violent ex-husband 's financial abuse!!! Ive been fighting SO HARD for SO LONG to get them to take me seriously, communicate, and accept payments from me on my house. It feels like they want my equity more than they want a roof over my kids heads!! MY EX-HUSBAND IS BEING GIVEN MORE RIGHTS WITH PENNYMAC DESPITE THE LEGAL VERIFICATION THAT THE RIGHT OF OWNERSHIP IS NOW MINE!!! ALL I WANT IS TO GIVE THEM MY MONEY FOR MY HOME!!!!!