Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
This letter serves as formal notice of my intent to initiate legal proceedings regarding the wrongful and unlawful initiation of foreclosure proceedings against my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, allegedly undertaken on behalf of PennyMac Loan Services , LLC ( PennyMac ).

I assert that the foreclosure actions violate applicable Georgia statutes, specifically XXXX. XXXX and XXXX, as well as my rights under the Due Process Clause of the XXXX XXXX of the XXXX XXXX. 

I. Legal Grounds for Action 1. Violation of O.C.G.A. 44-14-162.2 Georgia law requires a lender to issue notice of intent to foreclose at least 30 days prior to the foreclosure sale, delivered via certified mail, registered mail, or overnight delivery. The notice must : * Be sent to the property address or designated address ; * Include the name and contact information of an individual with full authority to modify the loan; * Include a copy of the published foreclosure advertisement.

PennyMac failed to comply with these statutory requirements. I did not receive the required notice in the form and manner mandated by law, rendering the foreclosure process legally defective.

2. Due Process Violations The initiation of foreclosure without proper statutory notice deprived me of a meaningful opportunity to cure any alleged default, engage in good-faith negotiation, or explore loss mitigation options, thereby violating my constitutional rights under the XXXX XXXX. 
3. Failure to Provide Statutorily Required Information You are hereby formally requested to provide, within fifteen ( 15 ) days of receipt of this letter, the following documentation : * Proof of mailing of the foreclosure notice ( certified mail, return receipt, tracking information ) ; * A copy of the actual notice allegedly sent; * Affidavit of publication or documentation confirming legal notice in a qualifying publication; * Contact information of the individual/entity listed with full loan XXXX XXXX XXXX 
XXXX. Proof of Alleged Default and Full Accounting You are also required to produce : * Documentation of the alleged default, including dates and amounts; * Full loan payment history and transaction log ; * All written and recorded communication between myself and PennyMac ( including customer service notes, emails, letters, and call transcripts ); * Any internal servicing notes regarding modification or loss mitigation efforts. 

II. Pattern of Misconduct Federal Litigation Against PennyMac Your client has been a defendant in multiple lawsuits for similar violations, including : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX v. PennyMac Loan Services , LLC, XXXX XXXX. XXXX ( XXXX XXXX ) * XXXX XXXX PennyMac Loan Services , LLC XXXX XXXX No XXXX XXXX ( XXXX. XXXX. ) These cases illustrate a disturbing pattern of noncompliance and XXXX be submitted to support claims of willful or systemic wrongdoing. 

III. Demands for Resolution To avoid escalation to litigation, I demand the following actions within 15 days : 1. Immediate cessation of all foreclosure proceedings ; 2. Delivery of all requested documentation as outlined above ; 3. Written confirmation that the foreclosure has been suspended pending full legal review ; 4. Compensation for : * Legal costs incurred to date ; * Damage to my credit profile ; * Emotional distress caused by the unlawful foreclosure process. 
Should you fail to comply or respond in a timely and satisfactory manner, I will initiate legal proceedings in XXXX XXXX XXXX XXXX or in XXXX XXXX XXXX to seek : * A declaratory judgment invalidating the foreclosure; * Injunctive relief; * Compensatory and punitive damages

Company response to consumer: Closed with explanation