Consumer complaint received 2015-12-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

1. I have a FHA loan on my home purchased XXXX/XXXX/XXXX through XXXX XXXX XXXX which was sold to XXXX XXXX XXXX shortly afterwards. I was terminated from my job XXXX/XXXX/XXXX because I did n't qualify for FMLA to have an XXXX that kept me out of work beyond my remaining XXXX XXXX days. I was hospitalized XXXX of the 11 days. I fell behind on my mortgage payment that was {$1700.00} at the time and remained delinquent for 9 months while unemployed. I became employed again on XXXX/XXXX/XXXX and finally, HUD secured the delinquent debt with a 2nd Lien and my payments remained {$1700.00}. I continue to struggle because this job paid {$13000.00} less per year than the job used to qualify for my home. This job lasted 2 years with no raise and therefore I had to find more income and therefore commuted to take a pay increase of {$8000.00} annually to {$58000.00} starting XXXX/XXXX/XXXX to pay my mortgage. Again, I needed FMLA and was denied. My XXXX daughter and college student became critically ill and was unable to care for herself. I became her care-giver on XXXX/XXXX/XXXX. U.S. Department of Labor later deemed that this was a violation of the FMLA Act. However, I was out of work for 6 months with no income due to denial of unemployment. My next job came XXXX/XXXX/XXXX, but now my salary of $ XXXX/year is {$18000.00} lower than XXXX salary. 
The Housing Crisis was happening obviously during the buying process and my house fell below its Principal Balance by more than {$100000.00} by Year XXXX. I submitted XXXX MHA Modification Requests to XXXX XXXX XXXX over a 2-year period from XXXX to XXXX. While engaged in Modification mitigation with XXXX XXXX XXXX, they sold the loan to PennyMac Loan Servicing effective XXXX XXXX, XXXX without providing a Decision on my MHA packet. PennyMac requested that I resubmit a new MHA packet to them to start the process again. Now, this is my XXXX MHA application ; nevertheless, I provided all requested information and documents. While engaged in MHA mitigation, PennyMac filed Foreclosure on my home with a Sale Date of XXXX/XXXX/XXXX. I, in turn, file Chapter XXXX on XXXX/XXXX/XXXX. My Bankruptcy payments were {$450.00} per month as I continued to pay my {$1400.00} Mortgage ( ARM ) and approximately {$1800.00} more expenses monthly. After being in Bankruptcy for nearly 1 1/2 years, the case was dismissed on XXXX/XXXX/XXXX for payment default. I 've been communicating with my Bankruptcy attorney and PennyMac for over 6 months now about the hardship to pay {$1800.00} ( XXXX + XXXX ) to my mortgage for much longer and needed relief. I also disclosed my most recent illnesses and what stress has caused. Now I have an XXXX, among other conditions. I 've called PennyMac over XXXX times since XXXX/XXXX/XXXX to speak with XXXX XXXX, the assigned representative ; however, she would not return my call. I have a voice message recorded on XXXX/XXXX/XXXX that she tried to reach me but nothing beyond that. I 've also left a message for her supervisor ; however, never received a call from her either. I 've been getting the run around since XXXX/XXXX/XXXX to provide them more documents and explanations of hardship surrounding the date of XXXX/XXXX/XXXX ; however, I 've been making my mortgage payment every month since XXXX/XXXX/XXXX through XXXX when I learn of the dismissal. It is obvious that they have not applied my monthly mortgage payments according to the Chapter XXXX Plan. On this day, XXXX/XXXX/XXXX, I have yet to speak with my assigned XXXX Representative after numerous requests. Furthermore, on this date, XXXX/XXXX/XXXX, my account states that the MHA application is still " Under Review '' and have not made it to the next step which is the " Decision '' ; however, I received notice from their attorney certified yesterday, " Notice of Acquisition '' and HUD 's Request for Temporary Stay once the home is acquired. 
2. Modify my Home. 
3. Will provide. 
4. PennyMac Loan Servicing