Consumer complaint received 2016-11-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

PLEASE NOTE THIS LETTER HAS TAKEN LOTS OF MY TIME AND RESEARCH TO HAVE THE MOST INFORMATION POSSIBLE TO YOU. 
I bought a home from XXXX Mortgage and closed my loan XX/XX/XXXX they sold my loan 16 days later to Penny Mac loan services without letting me know. I was new with the mortgage thing and I did n't know who my lender was since I had used the lender of the company selling the new homes with pardee homes. My home was delivered XX/XX/XXXX I got a bill in the main and paid it. Till XX/XX/XXXX when I paid a partial payment because I became sick and was n't able to pay my mortgage. So monthly I would buy a cashier 's check to pay my mortgage and would hand write the amount not knowing they were charging me XXXX plus starting XX/XX/XXXX I do n't know why my bills were charged differently I made my payments to my mortgage up until XX/XX/XXXX when I became late. I had a credit of {$260.00} for XX/XX/XXXX based on the payments I made. there was XXXX nsf checks in the time I had the account because they would charge before the due date and then I when I found out they did this to me 2 times I just sent certified funds to the account purchasing cashier 's checks. The following are the payment history to show you I was current on my payments and they are not correct the way there billing is being used. 

PAYMENTS PENNY MAC Payment date paid amount XX/XX/XXXX - XX/XX/XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XXXX {$1600.00} XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XX/XX/XXXX {$630.00} XX/XX/XXXX covered rest of this month XX/XX/XXXX XX/XX/XXXX {$1300.00} ( credit for XX/XX/XXXX 260.77 ) XX/XX/XXXX covered the balance XXXX paid from XX/XX/XXXX payment XXXX XX/XX/XXXX {$1600.00} out of the payment of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} out of the payment of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$250.00} balance out of the payment of XXXX XXXX XXXX XXXX {$5000.00} which covered payments up to partial XX/XX/XXXX These payments were confirmed on the phone received by the lender today attached is what is also on their system. I called 2 times trying to make a payment before the 6 month time period to make a payment and they refused to take my payment from me. In good faith I have been trying to pay and be current and they refuse to take my payments. so I got a bill for XX/XX/XXXX that I owe {$10000.00} but in fact it was {$8000.00} now this month is XXXX plus dlls and they have not done anything to my deed to the house at the clerk 's office and I also asked for a loan modification which they said they would mail and they did n't do that never did I receive such package. WHEN I CAREFULLY INSPECTED MY DEED PAPERWORK ON THE RECORDERS OFFICE THEY WERE NOT THE ASSIGNE ON MY LOAN. When I asked penny mac who they were they said they were the ones who loaned me the money and by further inspection of my emails and calls I called the office were my loan was originated XXXX mortgage and I asked them who was penny mac loan services. XXXX said to me they are the bank who we sold your loan to and I told them why had they not notified me and they said they mailed the letter but the thing is this is a new home so I had to wait for the post office to give me a key for the mailbox and I did n't get it the keys till the end of XX/XX/XXXX. So I never got any letter the only thing I got was the bill from penny mac saying my payments would start XX/XX/XXXX which was at the end of XX/XX/XXXX I was never informed until XX/XX/XXXX via email by a XXXX XXXX at their Utah office for XXXX mortgage that she also mentioned I had a XXXX balance on my loan attached are t