Consumer complaint received 2019-12-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

I have a FHA home loan and PennyMac purchased the loan before a month after closing with XXXX XXXX XXXX. PennyMac has been trying to Foreclose on my home and has been for the past three years, stating I am 1300 days plus past due. When I purchased home, the loan officer made false claims on the application, and my Relator and the sellers did NOT disclose information about the property ; if they did, FHA would not have approved. There is thousands of dollars in hidden fees and many other fees that I have been trying to dispute. Due to financial hardship less than a year after buying I applied and was approved for HAMP in XXXX. At time of hardship modification, the 30 year FIXED APR at 3.75 % increased to 4 % with FHA hardship ( All FHA guideline and regulatory requirements states interest rates will not change with a modification unless the are decreased and can be dropped as low as 2 %, never had I found where and FHA loan modification interest rate can be INCREASED. Also I had to file bankruptcy in XXXX, and while in bankruptcy ( chapt  XXXX ) PennyMac   charged bankruptcy fees property inspection fees foreclosure fee title fees you name it, The fees totaled together add up to $ XXXX plus dollars, plus the increase in interest rate. While a person is in bankruptcy they legally can not be charged any fees. In XXXX, the bankruptcy lawyer was able to get PennyMac to reverse around {$6000.00} in fees. The fees continued, and for reasons that are not known to me ( with evidence to support my statement ) the bankruptcy was dismissed in XXXX ; PennyMac called me before I received any legal notice about the Chapter  XXXX dismal ; asking how I planned to pay {$18000.00} within 10 DAYS, I replied that I was paying the trustee to pay arrears and making payments on my own that were to go to current loan ( not arrears, which was court orders ), therefore any and all payments since XX/XX/XXXX ( bankruptcy filed ) PennyMac states no payments ever received. Life happened and I have a dependent ( which I have not been able to get the XXXX XXXX XXXX XXXX to ever enforce in 8 years ) and lack of involvement and the abuse I have to endure when trying to communicate with the other parent of my dependent has lead me to not be able to work many times, and I have a XXXX, XXXX with certifications, and 10 years XXXX XXXX XXXX. Due to my credit, bank accounts being hack, information data BREACHES ( not one but a few ) and PennyMacs   HARD Inquiries and reporting failure to make payments when I and trustee where paying, has ruined my credit! I know the EEOC states its illegal to discriminate hiring a candidate based off credit ) but many company look at the credit in their background reports, and this is the only reason I can think of as to why its been so hard for me To find a good XXXX job! Last years when my EIC was ONLY {$16000.00} total for XXXX, I was Seeing work and receiving unemployment which I had to appeal 3 times, but DID finally win and had to win to receive financial assistance through the XXXX XXXX XXXX through XXXX XXXX XXXX   XXXX unemployment bridge program. I was awarded ( and have the award letter and ALL correspondence to prove everything I am stating ) {$15000.00} ( maybe {$18000.00} ) via this programs. However, the state of Kentucky, said PennyMac only would accept PAY-inFull! Well this is the problem, I DO NOT KNOW, how much I REALLY OWE due to the fees, not applying payments properly, increase interest rates, etc. I was then advices to hire a Lawyer who charges $ XXXXhr and has not been of any help, but costing thousands. After being summons foreclosure papers again, the lawyer advised me in XXXX to go forthwith this new modification program offer, and make my 3 trial payments and in time! Which I did, and have all that evidence too! This new possible modification papers I was sent I did not agree with and asked to appeal and PennyMac representative XXXX told me it would not help me or change anything to try to appeal. So I passed that information onto the Lawyer I hired and he told me to go ahead and sign and make those 3 payments. I did as directed, PennyMac  even had me pay and extra $ XXXXmonth ; to receive a letter stating, I DO NOT QUALIFY! My concern and issue is ; PennyMac is not offering any help, the state of Kentucky is not helping, I am in a terrible situation and this is only making it worse and to the point of affecting my employment. Lastly, I would try to sell the home, but the city of XXXX KY placed a 33 millions of galls of water/a day pumping station with a 7.7million gallons underground water storage basin 1,000 feet from my home. The contractors used forms of blasting for project, myself and Neigbors felt homes move and also have damage. This falls back on the failure to disclose to FHA the proper soil and land the property is on not to mention in the deed it has property as lot # XXXX, # XXXX, and # XXXX. I was then told I was in a flood zone at the closing. Lastly, and I feel is most important ; on the FHA application, its first question is Are you a first time home buyer? And the mortgage broker marked NO when I was a first time buyer. The whole process from time home was listed to forced closing was less than 2 months for a brand new home owner, single mom, who was just being her XXXX career. The father who was helping to pay bills, then left within month of buying home, has never paid a penny in support, and has lead me to this financial nightmare, that I can not get any help from anyone with and lawyers are practically robbing me!! Please help!!!! My home is all I have for my daughter and I and I have been trying!! Good faith Illegal documentarian and failure to disclose, and now the city and damage to structure. Please help! Thank you, XXXX XXXX XXXX