Consumer complaint received 2021-08-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

In XXXX we applied for a FHA Mortgage through XXXX XXXX  XXXX, in the application process I was not put on the Title or deed, and was listed as a non-occupant. The loan was processed then sold to XXXX XXXX XXXX. We made payments on that loan and refinanced with XXXX XXXX in XXXX with a FHA 30 year fixed at 4.5 %. In XXXX of XXXX we were advised by our Bankruptcy Attorney Mr. XXXX to obtain a payment history and let PennyMac know we wanted to honor/reaffirm the Mortgage. We told 3 customer service people we wanted to reaffirm who stated we could not due to the case not being filed yet. We testified at the hearing that we wanted to honor/reaffirm the Mortgage but PennyMac did not show. The Attorney did not contact Penny Mac to reaffirm. I later learned that PennyMac had hired XXXX XXXX a XXXX XXXX agency who sent our Lawyer a letter offering a Modification of Mortgage, which we never was told about. XXXX XXXX also made a written appearance as counsel for Penny Mac XXXX XXXX did not allow for reaffirmation and included the mortgage in the discharge in bankruptcy in XX/XX/XXXX. In attempting to refinance in XXXX of XXXX we were told the Mortgage was XXXX in Bankruptcy and no payments were showing up on the credit reports. I called XXXX on numerous occasions about this issue to no avail. Their legal counsel and my counsel had both refused to contact each other to reopen the case to reaffirm. XXXX XXXX refused to report the payments which we continued to pay until XX/XX/XXXX. In XX/XX/XXXX, we attempted to sell the house and I learned of XXXX XXXX  listed me as a non-occupant committing fraud to the HUD/FHA. I learned I was not on the deed, title or insurance. My wife also filed for divorce. I stopped the sale of the home and hired a divorce attorney. I have been XXXX since XXXX and my wife had supported me and made the payments until XX/XX/XXXX. I enrolled into the Forbearance program until I could get XXXX. XX/XX/XXXX the divorce became final and I was awarded the home. I contacted XXXX and sent them the quit claim deed with the register of deeds, the divorce decree and the township tax documents and requested she be removed from the Mortgage and they refused. I went up the ladder with numerous hours on the phone over these issues. In XXXX, XXXX I explained to them I was XXXX and applied for XXXX and told them my medical issues. The Civil Rights Department is investigating them under the ADA act because I was told that even if you get XXXX you couldn't afford the mortgage and we could demand the full note. I was approved for XXXX XXXX in XX/XX/XXXX. The same day Social Security had approved me for widowers benefits and canceled the {$790.00} XXXX I now receive {$1600.00} on the XXXX of each month. I called Penny Mac and requested to be taken out of the for-barance program and they took {$770.00} out of my bank account. I had asked as I was told to do by their prior customer service to add the mortgage payments to the end of my Mortgage where 10 payments of {$770.00} were not made. They refused. Instead they want me and my ex wife to sign a second mortgage and allow a lien on the house in what they call a partial claim with unknown payment amounts starting on XX/XX/XXXX. If we do not sign and return their proposal, they threatened collections and forclosure on the home, contrary to the Cares Act. Again the Mortgage Company is doing everything it can to make life difficult to obtain my home which is now worth XXXX in todays market. They have been told my ex wife will not sign.