Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
Complaint, QWR, DVR and demand for disclosures under TILA regarding illegal escrow charges, theft of my escrow overpayments and violations of ADA and other laws. 
On XX/XX/XXXX I entered into a securities agreement with undisclosed to me investment bank who acted via complex chain of intermediaries - XXXXXXXX XXXX XXXX XXXX, its 100 % subsidiary XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX originator XXXX XXXX XXXX XXXX XXXX Mortgage Servicing Platform who hired a call center XXXX XXXX XXXX to provide me a link to XXXX XXXX XXXX XXXXXXXX which is seamlessly integrated into XXXX XXXX XXXX platorm. 
XXXX XXXX XXXX provided me a link to Blend Labs, XXXX platform - integrated into XXXX where I filled out my application- which was immediately received and processed by originator XXXX 's XXXX platform who illegally inserted call center XXXX as a " lender '' and MERS as " mortgagee '' In XX/XX/XXXX I received AI-generated unsigned letter generated by XXXX 's XXXX informing me that faux single member LLC PennyMac Loan Services is allegedly " purchased '' something from never disclosed to me " Seller '' and is my new " Servicer ''. All these statements are lies because the actual Servicer was and still is XXXX XXXX XXXX 's Mortgage Servicing Platform. 
In XX/XX/XXXX XXXX 's XXXX automatically generated false Claim in my bankruptcy case where XXXX attached fabricated, forged fraudulent " Assignment '' from defunct call center XXXX to faux company PennyMac. 
PennyMac was registered as a single member LLC [ one person company ] by XXXX XXXX who died in XX/XX/XXXX, so not it has no other members. In XX/XX/XXXX lawyer XXXX changed PennyMac Loan Services LLC name to XXXX XXXX. In XX/XX/XXXX its name was changed again to XXXX XXXX, so its unclear which company is trying to collect from me and why. 
According to this false Claim my alleged " escrow '' payment in XXXX were {$190.00} - while in XXXX " escrow review '' my monthly escrow payments in XXXX were {$130.00} and in XXXX they were {$130.00}, not {$190.00}. I am a XXXX veteran and in XXXX my property taxes were waived. So, I only pay for home insurance {$1100.00} which is paid by XXXX XXXX XXXX from unknown to me funds and under unknown to me authority. 
On XX/XX/XXXX I received a new " escrow review '' from XXXX 's XXXX informing me that faux company PennyMac dba PennyMac TPO dba Townsgate Servicing received MORE escrow money than I pay each month to Trustee.. I pay {$190.00} for escrow, my ACTUAL escrow is {$91.00}. XXXX. XXXX  company XXXX XXXX somehow received {$230.00} in XXXX- sometimes several times per month. For example, in XX/XX/XXXX my " actual payments '' for escrow were four times {$140.00}, two times {$130.00} and one time {$91.00}. Actual payments from escrow were listed as XXXX. I demand to provide me direct contact information for the REAL human authorized employee of the CREDITOR who owns an account receivable due from me who has personal knowledge about all transactions - an accountant or bookkeeper - and who can explain all charges and fees and provide me a copy of the LEDGER of the account receivable where my money are deposited and by whom. I demand immediately RETURN all stolen from me money - including stolen overpayments for escrow.

Company response to consumer: Closed with explanation