Consumer complaint received 2015-12-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

This statement is a follow-up to CFPB Case Number : XXXX. PennyMac Loan Services , LLC is committing fraud by not reporting or writing my direct advanced payments in the Annual Escrow Account Disclosure Statement ( Dated XXXX/XXXX/XXXX ) provided to me by PennyMac. I have neither missed nor late in payments on my VA Loan mortgage since I bought my home XX/XX/XXXX ( Currently paid {$1700.00} mortgage for the month DUE of XX/XX/XXXX last XX/XX/XXXX. These payments were accepted by PennyMac directly from my bank and from the County of XXXX XXXX Treasurer-Tax Collector XX/XX/XXXX-XX/XX/XXXX ; these payments are : {$1200.00} on XX/XX/XXXX from my bank ; {$1900.00} XXXX Installment Transaction Date XXXX/XXXX/XXXX XXXX ( Transaction ID xxxxxxavailable ), XXXX Installment {$1900.00} Tran-Date XX/XX/XXXX XXXX ( Transac ID XXXXavailable ) Property Tax payments for Fiscal Year XX/XX/XXXX and Ending XX/XX/XXXX. PennyMac have sent me {$780.00} SURPLUS Disbursement Check Voucher ( Check Date : XXXX/XXXX/XXXX ). Very STRESSFULLY CONFLICTING TO ME, PennyMac have sent me and my wife THREATHENING/HARRASSING LETTERS OF NOTICE OF DEFAULT AND INTENT TO ACCELERATE foreclosure, loss of property, negative report to the credit bureaus ... etc. Deceiving terms being used ; since I bought my house XX/XX/XXXX till XX/XX/XXXX ( almost two years ) I have paid my property tax, and my Monthly Mortgage Statement sent by PennyMac of {$1400.00}. Upon re-evaluating/reviewing my monthly mortgage BY PennyMac in XX/XX/XXXX stated that my monthly payment should be {$1700.00} to include Property TAX. Hence, property tax was/is paid by me ever since I bought my VA Mortgage home, WHY is PennyMac not crediting/refunding/returning paid excess property tax payment to me first, the County Tax Collector have been paid till XX/XX/XXXX ; OR, credit it to my account with me paying {$1400.00} till final disbursement in XX/XX/XXXX. OR, better yet In response to my CFPB Case Number : XXXX, XXXX XXXX XXXX Priority Complaint Specialist, PennyMac Loan Services LLC, my LATEST Monthly Mortgage Statement Amount Due : XXXX/XXXX/XXXX is {$5200.00}. I am aware that my VA Loan mortgage payment pays for my Thirty ( 30 ) years Fixed Rate of 3.25 % for {$320000.00} only for PRINCIPAL, INTEREST ( {$1400.00} ), and PROPERTY TAX. My home insurance is also paid/covered till XX/XX/XXXX. PennyMac is committing fraud for collecting with threat/schemes already paid property taxes, accepting disburse money from me and the County Tax Collector Office 's and not reporting all on the Annual/Monthly Statements for paid previous property taxes. With clear conscience, I paid my property taxes ever since buying my home knowing that it was NOT IN ESCROW when I signed the contract, ensuring that I would not PAY " ESCROW '' but the term " impound '' was use which I was not aware ; hence, I was focused on the word " ESCROW. '' REGARDLESS!! PennyMac if it is an honest mortgage lender should/shall credit paid property taxes in my account as mentioned above or returned to me. Documented payments from me will all be accounted for, it is simple math.