Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
Have made a complaint of PENNYMAC falsely stating that they havent received payments for XX/XX/XXXX ACH form of payment in second checking account ending in XXXX, called daily due to receiving texts and calls saying they never received payment. I Have a call recording with managers from PENNYMACXXXX at XXXX. With them still claiming they had not received payment. Made a bank claim of funds for XX/XX/XXXX, disbursement was credited from claim on XX/XX/XXXX. Transferred funds into primary checking ending in XXXX for {$1700.00} and made a debit payment to PennyMAC via call. Of {$1700.00} including debit card charge. The payment was made on XX/XX/XXXX at XXXXXXXX XXXX with recording of transaction number XXXX. Followed up and was told they never received that payment as well. Had did another bank claim for {$1700.00} and received the claim of funds on XX/XX/XXXX. Despite of them falsely stating they havent received any payments, I continue to make payments with XXXX XXXX. A payment was made on XX/XX/XXXX of {$1800.00} with {$75.00} urgent transfer fee. Another payment was made on XX/XX/XXXX {$1800.00} with {$75.00} urgent fee, another one XX/XX/XXXX {$1800.00} with urgent fee, and a recent one on XX/XX/XXXX in the amount of {$1800.00} with urgent fee {$75.00}. Received a response letter in the mail responding to CFPB giving dates of XX/XX/XXXX returned check which was true. I lost my job. Another date mentioned was XX/XX/XXXX true and called stating I accidentally set up an auto payment for ach due thinking I would receive my first paycheck. On XX/XX/XXXX I did not authorize payment, was a automatic withdraw from bounced check. On XX/XX/XXXX the funds were drafted and paid due to making a online payment on XX/XX/XXXX, on XX/XX/XXXX I never authorized another transaction because I paid on XX/XX/XXXX. XX/XX/XXXX Ive mentioned already about making a debit card transaction with receipt # XXXX. On XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX the letter stated you received those payments from western union and it was applied, but on my account, I was charged a insufficient fee for XX/XX/XXXX and still late fees stating payment was not received. On XX/XX/XXXX I made another payment through XXXX XXXX {$1800.00} with urgent fee {$75.00}. The on line account also is stating insufficient fee with penalty charges. Its impossible to continue to assume that all of these payments are insufficient when I have tracking numbers. Bank statements with different payment methods receipts. As I said, this is retaliation and discrimination due to me having a FHA loan to falsely set my account into default for profit. PENNYMAC system of payment needs to be investigated further. I will continue to fight for this account until this is resolved. I am a Registered Nurse that have no problem with making payments on my account and if need be take further legal action. This is also becoming an emotional, and mental distress by falsifying my integrity of making false payments to allow my account to go into default for PENNYMAC profit. I WILL NOT STOP until my account is current correctly by legal Oath.

Company response to consumer: Closed with explanation