Consumer complaint received 2024-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX  Draft for CFPB Complaint **Subject : Request for Assistance in Resolving Wrongful Foreclosure and Change of Venue to XXXX XXXX XXXX XXXXDetails XXXX XXXX XXXXXXXXComplainant : XXXX Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Case Number XXXX XXXX Self-Represented **Summary of Complaint : ** I am writing to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing a wrongful foreclosure conducted by PennyMac Loan Services , LLC . Despite my compliance with the necessary procedures and my financial ability to maintain the mortgage, PennyMac engaged in misleading practices and procedural errors that led to the unjust foreclosure of my home. 

XXXXKey Issues : XXXX XXXX XXXXMisleading Information and Procedural Errors : XXXX PennyMac provided inconsistent information regarding the requirements for confirming my status as the successor in interest ( XXXX ) to my late mother 's estate. Despite submitting the probate documents and required paperwork, they claimed that a photo ID was missing, which I had already provided. This miscommunication and failure to recognize my XXXX status contributed to the wrongful foreclosure. 

XXXX. **Handling of SII Documentation : ** Employee notes from PennyMac revealed conflicting information and delays in confirming my status as the XXXX XXXX causing unnecessary complications and financial distress. 

XXXX. **Refusal to Accept Partial Payments : ** PennyMac 's refusal to accept partial payments exacerbated my financial situation and led to the accumulation of unjust fees. 

XXXX. **Posthumous Breach Notice : ** Issuing a breach of contract notice against my deceased mother added further complications and demonstrated a lack of procedural fairness. 

XXXX. **Premeditated Foreclosure Intent : ** Inspections conducted by PennyMac suggested a predetermined plan to foreclose on the property, regardless of my compliance and efforts to resolve the issues. 

**Federal Complaint : ** I have filed a federal complaint against PennyMac Loan Services , LLC XXXX and other defendants, which has been served. The case number is XXXX. The complaint includes claims of wrongful foreclosure, unfair trade practices, breach of contract, infliction of emotional distress, mortgage fraud, and violations of RESPA and FDCPA. Exhibit R, which is part of my federal complaint, contains the AI analysis of employee notes, highlighting the procedural failures and mismanagement by PennyMac. 

**Change of Venue : ** I am seeking a change of venue for my case to the XXXX XXXX XXXX New York XXXX XXXX ). The current venue in Arizona has impeded my ability to enforce my RESPA rights effectively. The systemic biases and procedural deficiencies in Arizona 's non-judicial foreclosure processes have further disadvantaged me in this legal battle. 

**Request for Assistance : ** I request the CFPB 's intervention to : XXXX. Address the wrongful foreclosure conducted by PennyMac and ensure they adhere to fair and transparent procedures. 
XXXX. Support my request for a change of venue to XXXX, where I believe my case will be handled with greater impartiality and adherence to due process. 
XXXX. Assist in enforcing my rights under RESPA and ensure that all necessary information and documentation are recognized and acted upon by PennyMac. 

**Supporting Document : ** - Exhibit R : AI Analysis of PennyMac Employee Notes ( attached ) I appreciate your attention to this matter and look forward to your assistance in resolving these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation