Consumer complaint received 2020-02-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (RI)

I am a XXXX military combat veteran whom currently has an VA refinance mortgage loan in good standing that I re-financed, going from XXXX XXXX to Veterans United Home Loan Services,  whom then, immediately sold my mortgage loan to PennyMac Loan Services , LLC . Despite my patiently waiting for several months thus far in XXXX, PennyMac Loan Services , LLC 's accounting department still has never properly reapplied my previously twice misapplied by them XXXX to XX/XX/XXXX three months of requested Bi-weekly auto-paid Monthly Mortgage Payments. Additionally, nor has their accounting department properly reapplied my ( 3 ) additional XX/XX/XXXX {$300.00} Principal Reduction Only payments, my ( 2 ) additional XX/XX/XXXX {$300.00} Principal Reduction Only payments, and, my ( 2 ) additional XX/XX/XXXX {$300.00} Principal Reduction Only payments. On XXXX, XXXX, PennyMac Loan Services , LLC issued me an incorrectly computed Corrected XXXX XXXX Mortgage Interest Statement from their XXXX XXXX, California based accounting department falsely stating that I paid {$0.00} mortgage loan interest in XXXX. That is simply not true. I definitely can't and won't utilize XXXX 's incorrect XXXX generated " Corrected '' 1098 Mortgage Interest Statement for my tax filing to the IRS and my state Revenue department. I have repeatedly provided this mortgage loan company concise instructions on applying my Monthly Mortgage Payment in a bi-weekly manner. I have repeatedly provided this mortgage loan company concise instructions 'how ' to apply my previously paid them additional Principal Reduction Payments of {$300.00} each. I have no idea how to help XXXX do its job correctly. Whatever I have asked of PennyMac, whatever I have advised to them when asked ... does not seem to help XXXX 's accounting department to properly service my VA refinance mortgage loan. Immediately after I was situationally forced to file XXXX XXXX XXXX  Complaint # XXXX on XXXX, XXXX, PennyMac hired a Connecticut-based lawfirm, XXXX XXXX XXXX, to attempt an illegal foreclosure of my property 's in good standing mortgage loan for which I factually was multiple thousands of dollars ahead in payments on. On XXXX, PennyMac charged me a {$15.00} Property Inspection Fee for an inspection that never should have been requested by them. Their hired firm, XXXX XXXX XXXX, contacted the Rhode Island Housing to ask me to come to mediation with PennyMac for which this RI Housing would be deciding whether to grant PennyMac 's desired foreclosure certificate. I found this out when RI Housing sent me a XXXX, XXXX letter requesting my contact them to attend such. On XXXX, XXXX, when I called PennyMac ( spoke to XXXX in Collections, about XXXX XXXX  ), he said PennyMac would send me a letter affirming my mortgage loan is in good standing, but they never sent me one. On XXXX, XXXX, after I explained ( via e-mail ) the actual financial facts of my PennyMac mortgage loan being in good standing to PennyMac 's hired lawfirm, XXXX XXXX XXXX, backed off, acknowledging my mortgage loan being in good standing via e-mails they sent me. But the initimidating bullying of me harm by PennyMac was done. Since resolving this illegal PennyMac foreclosure attempt, their company still continues its troubling accounting practices in 'how ' it is choosing to service my VA refinance mortgage loan. PennyMac 's accounting department still has not corrected their twice prior misappIied XXXX payments that I paid them in good faith. Despite PennyMac repeatedly being advised as such, on XXXX, XXXX, they incidentally forced me to re-request the starting on my bi-weekly Monthly Mortgage Payments. Because they refuse to properly process my ( 2 ) separate additional monthly Principal Reduction Only payments every two weeks, I now have to manually enter them each month so that they get applied correctly for XXXX, which is a major inconvenience to me. I respectfully request the federal government, Consumer Financial Protection Buteau, to please now help me with intervention initiated in my behalf. I desperately need your help in getting, PennyMac Loan Services , LLC, to finally fix my unresolved misapplied XXXX bi-weekly Monthly Mortgage Loan payments. After PennyMac finally does this, I need them to please correctly reapply my also paid them XXXX additional Principal Reduction Only payments. Lastly, I need PennyMac to please generate a new financially and factually accurate Corrected XXXX XXXX Mortgage Interest Statement for me, so I can properly and accurately amend my XXXX tax filing. Please help me, thank you!