Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (HI)

OnXX/XX/XXXX, I, XXXX XXXX XXXX, filed BK under Chapter XXXX, XXXX to stop the foreclosure of my property located at XXXX XXXX XXXX XXXX, HI XXXX. There was a previous Summary Judgment against the loan of my property judgment for the Commissioner by the name of XXXX XXXX XXXX to sell but did not happened, and the summary stated in the Summary judgment included for him to limited to collect including rent but in the eyes of the Law, he is not supposed to collect if the ownership of the property still in my name and never transferred to Pennymac yet. On my bankrupcy, my wife and I are in the process of getting divorced and we applied for a loan when I lost my job in XX/XX/XXXX. When PennyMac give us trial period modification of 3 months, I have been paying the mortgage for 3 months in the amount of {$3300.00} but I made it up to 4 months. Until I received a permanent offer for loan modification but the commissioner XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX of Pennymac did stop him from collecting my income rent at XXXX XXXX XXXX XXXX XXXX. Eventhough I was paying the trial period and while I was in bankruptcy in XXXX, on which he actually violated my automatic stay. Paying my mortgage to Pennymac violates him from collection under the FDCP ( Fair Debt Collection Practices act ) for collection from my tenants while i was in bankruptcy. Collecting my rent of PennyMac through the commissioner while I was paying mortgage is " double Dipping '', form of fraud!. The order of the Judge in the second circuit Court should have been ceased and can not be enforced while I was in bankruptcy and I was paying my mortgage. So I dismissed my bankruptcy voluntarily in XXXX, not knowing my soon to be ex wife did not want to sign the permanent loan modification. My hardship was being ignored by PennyMac and I need help. I temporarily moved to California because of the prejudiced in XXXX  Judge in XXXX  Circuit Court, approving to collect my income rent by his appointed commissioner while I was in bankruptcy. I am now filed another bankruptcy in California, and continued my payment under bankruptcy plan in the amount of {$3300.00} on XX/XX/XXXX and paying the trustee in California State in the amount of {$1100.00}, and Pennymac still collecting my income rent while i'm in the Bankruptcy Chapter XXXX, case No. XXXX. OnXX/XX/XXXX, Notice of rescheduled for a meeting of creditors including for Pennymac to show up in my bankruptcy, under Section 341, but Pennymac failed and no one showed up for pennymac to represent them to object under my bankruptcy chapter XXXX plan. On XX/XX/XXXX, today, around XXXX XXXX I called Pennymac talked to XXXX, to make a payment under my BK plan, and said they will not accept my payment for some reasons and no explanation. Be advised that Pennymac is harming me constantly constantly harming my financial status and my hardship. I need some Justice. Pennymac commissioner collecting my income rent was doing is retallation against me so that way I can not sustain to pay my mortgage and he's holding the money to trust on his name, not with Pennymac according to him. Don't know if Penny knows about it or not.

Under my constitutional rights as individual as I am also still the owner of the property located at XXXX XXXX XXXX XXXX, HI XXXX need some justice to protect my investment and my income and my financial problem and to honor my hardship while I am getting divorced. I need to waive my wife 's signature in order for me to enforce my continuance of monthly payment to my mortgage as is and as my obligations. Thank you very much.

Dated : XX/XX/XXXXSincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX, XXXX Tel : ( XXXX ) XXXX