Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX and XXXX re who hired and authorized Servicer XXXX XXXX XXXX to pay for my home insurance, demand me to upload my home insurance on XXXX  website; and threaten me with forced placed insurance for which XXXX XXXX and XXXX already paid millions in settlements On XXXX XXXX XXXX receive AI generated unsigned demand from unauthorized Servicer XXXX  dba XXXX directing me to XXXX owned and operated website where I suppose to upload my home insurance When I looked at XXXX terms of use, it disclosed that XXXX is not only involved in illegal collection and servicing practices and mail and wire fraud, but also illegally collecting all my personal data without any authorization or my consent According to XXXX term of use : This website ( this Site ) is designed and operated by XXXX Information collected from me by XXXX without any disclosure about their servicing activities which is a text book identity theft The personal information that we collect about a specific individual, and the sources we use to collect that personal information, will depend on our relationship or interaction with that individual. During the past twelve ( 12 ) months, we have collected the following categories of personal information : Identifiers, such as name, date of birth, postal address, email addresses, social security number, state identification or drivers license number, passport number, other personal information that may be found on police reports or affidavits ( if such items are needed for claim processing ), and other similar identifiers. 
Personal information as defined in the California customer records law, such as signature, telephone number, insurance policy or contract number, health or medical information, and financial information such as account number and balance, payment card details including credit and debit card numbers. 
Characteristics of Protected Classifications under state or federal law, such as XXXX, race, or marital status. 
Commercial Information, such as products and services obtained and transaction histories. Depending on the product or service you have with XXXX or a party with whom XXXX has a busineXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXervice plans ( such as policy/plan number and coverage details ) and associated claims. 
A device, equipment, or consumer product related to an XXXX product or service ( such as vehicle identification number and other vehicle information, a mobile device international mobile equipment identifier ( IMEI ) and other device information, or details about a connected device or household product ). 
Residential or commercial property you own or rent. 
Biometric Information, XXXX does not collect, store or transmit biometric information, but some XXXX mobile applications allow you to use the biometric logins such as fingerprints or facial recognition that you have established on your mobile or other devices to access our applications. 
Internet or network activity information, such as IP address, browsing history, and information regarding your interaction with XXXX or non-XXXX  websites, mobile applications, or advertisements. 
Geolocation data, such as device location, including precise geolocation where necessary to provide the product or service ( including application ) you requested or downloaded and as disclosed to you as part of that product or service purchase and consented to where required by law. 
Audio, electronic, visual and similar information, such as call and video recordings.

Professional or employment-related information, such as current or prior employer and related work information ( such as periods of employment ). 
Education information, such as student records and directory information. 
Inferences drawn from any of the above to create a summary about, for example, an individuals preferences and characteristics. However, this information is not used for solely automated decision making. See the section No Profiling below.

Sensitive Information which includes social security, drivers license, state identification card or passport number, precise geolocation, XXXX or XXXX origin, to the extent noted above. In addition, with respect to certain mobile and electronic device services we provide, we may access the following information on your device but only with your consent and only as needed to provide the service : Contact lists, SMS messages, call logs, photos, videos, saved files or other documents, and music lists. Remote technical support services of certain devices may involve screen or camera sharing capabilities. When the support session is over, we do not retain information seen on such screens. 



XXXXXXXX XXXX XXXX Class Action Settlement : XXXX and XXXX XXXX XXXX settled a class-action lawsuit for {$140.00} XXXX, which alleged inflated force-placed insurance costs and kickbacks to XXXX. 
XXXX XXXX XXXX XXXX Class Action Settlement : XXXX XXXX and XXXX XXXX a {$300.00} XXXX settlement concerning allegations of forcing homeowners into overpriced insurance and engaging in kickback arrangements. 
XXXX XXXX XXXX XXXX Class Action Settlement : XXXX XXXX and XXXX XXXX a class-action lawsuit over claims of artificially increased premiums and illegal profits from borrowers in force-placed insurance. 
New York State Regulatory Actions : The New York Department of Financial Services ( DFS ) investigated XXXX for paying commissions to banks and mortgage servicers, which the DFS alleged incentivized higher-priced policies. XXXX settled with the DFS, agreeing to a {$14.00} XXXX penalty and implementing reforms. 
XXXX XXXX  XXXX XXXX Lawsuit : XXXX, its subsidiary XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX  were sued in a class action alleging inflated premiums and profits from illegal agreements related to force-placed insurance. 
Other Lawsuits : XXXX has faced other class-action lawsuits regarding force-placed insurance from borrowers associated with various institutions, including XXXX XXXX, XXXX XXXX and XXXX XXXX 
These legal actions highlight allegations of inflated premiums, kickback schemes, and insufficient benefits for homeowners when force-placed insurance is used

Company response to consumer: Closed with explanation