Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
There was a answer to my previous complaint but it did not address the fact that I requested payments to be deferred to the end of the loan but was only offered a loan modification which would of added thousands of dollars to my loan! There were long strechs of no communication with pennymac with then stating could not reach me? I am XXXX and had a short stand in the hospital while XXXX  for about a week so I am not sure how they couldn't reach me and never got any mai from about XXXX to XX/XX/year>. There statement says that that I deferred payments were not automatic I understand that but the customer service representatives only offered me a loan modification when I kept requesting deferred payments but there is no mention of that in your response? Furthermore when I agreed to the modification verbally I easily not explained that it would add thousands of dollars to my loan and extend my payments until I was able to read the agreement at which time I declined while I was still waiting to be approved by HAF. After being approved by HAF  pennymac provided HAF with the total amounts needed to bring the loan current per your statement but had to have a additional payment made from pennymacs errors on reporting to HAF as you can see from there own statement that a additional payment was required to bring loan current meanwhile I made the first loan modification payment which I understand was now incorrect but that was before the HAF payments. I was not informed that a payment of XXXX was due by me since I made a payment before HAF had to make 2 payments to bring the loan current so if they weren't provided the wrong amounts from pennymac by my understand the loan was current in XXXX. Than I was making my required payments there after. So the 30 day late payments that kept occurring on my account was initially caused by pennymac reporting to HAF incorrect amounts to bring the loan current at no fault of mine which is there reporting error not mine when I realized this was happening when I tried to apply for a auto loan that my credit report was impacted negativitly I made a additional payment and have never been late since! So I am requesting that those negative payments being removed from all three credit reporting agencies due to pennymacs errors to HAF and reporting it incorrect. All the documents attached are from pennymacs statement from the prior complaint which just shows and reiterating my prior complaint was justified. I am not a huge company that has thousands of works who can make errors or not add information correctly or just not add what is being asked because they don't understand what is being requested. So how do I proof my claim when all I can do is speak to the representatives on the phone and if they don't type up a note than where am I left but at the mercy of a large corporation. I used there own statement to show when they were paying HAF that payment amouts were incorrect and had to be requested twice if the correct amount would of been requested in the first place this would all have been avoided. COVID-19 was a very hard time and people were working from home without supervision and it's easy to see how these error were made all I am asking is for the negative reporting to be removed I have been paying my payments on time ever since I realized there was a problem. I don't think that's to much to request thank you! I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

Company response to consumer: Closed with explanation