Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I submitted this complaint and the servicer is sending information regarding my complaint to an attorney that no LONGER represents me for my mortgage issues. 



XXXXPrint complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXXXXXX  PRODUCT Mortgage ISSUE Struggling to pay mortgage We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I requested help with my mortgage in XXXX of this year and I never received a b5 letter. I also submitted an information request for the following information : Please provide a comprehensive and detailed breakdown of various charges and fees being charged to my loan account, including but not limited to : 1. Escrow advance charges 2. Foreclosure fees and costs 3. Property preservation activities and associated costs. Please define and clarify what was done. 4. Valuation details and frequency 5. Attorney fees Force-Placed Insurance : Please confirm whether any force-placed insurance was placed on my property since you began servicing my loan. If so, please provide evidence that you complied with the requirements of Section 1024.37 of Regulation X, including the provision of at least two written notices before charging me for such insurance. Early Intervention with Delinquent Borrowers : Please provide proof of your compliance with the early intervention requirements under Section 1024.39 of Regulation X. This should include evidence of your efforts to establish live contact with me by the 36th day of my delinquency and the written notice provided to me by the 45th day of my delinquency. Records of Communications : Please provide all records of communications between your company and myself since you began servicing my loan. This should include, but is not limited to, written correspondence, email exchanges, and notes or records related to phone conversations or other forms of communication. 6. Servicing File : In accordance with Section 1024.38 ( c ) ( 2 ) of Regulation X, please provide a copy of my servicing file, which should include the following : A schedule of all transactions credited or debited to my mortgage loan account, including any escrow account as defined in 1024.17 ( b ) and any suspense account ; A copy of the security instrument that establishes the lien securing the mortgage loan ; Any notes created by servicer personnel reflecting communications with me about my mortgage loan account ; To the extent applicable, a report of the data fields relating to my mortgage loan account created by your electronic systems in connection with servicing practices. My loan is a VA loan so I don't know why there is still a sale date scheduled. I also submitted a complete loss mitigation application.

View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation