Consumer complaint received 2024-10-02 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:
Complaint against PennyMac Loan Services , LLC, and XXXX XXXX XXXXXXXX XXXX bank for illegal use of unregulated artificial intelligence to respond my Complaints with CFPB and failure to answer clear questions regarding ownership of the DEBT and illegal fees and charges billed to me, particularly {$1700.00} charge in XX/XX/XXXX for " litigation lawyers legal fees '' and repetitive " late fees '' - which is in addition to over {$350000.00} of " litigation legal fees and late fees '' billed to me from XX/XX/XXXX to present time. My questions about ownership of alleged " debt '' is never answered. My questions regarding status of account receivable due from me is undisclosed. The status and amount of my escrow is not answered. 

On XX/XX/XXXX I received AI-generated response to my inquiry why I am repeatedly billed " litigation legal fees '' - which is now over {$350000.00} billed during XXXX years. The same " financials '' showed {$0.00} principal balance due from me ; {$0.00} escrow and {$0.00} interest. 

This is my QWR, DVR and TILA demand for disclosures who is entitled to receive my payments and who actually receive my payments ; to whom my payments are due and who prepared Financials sent to me by XXXX XXXX under name of PennyMac.

Servicers are subject to the Real Estate Settlement Procedures Act 12 U.S.C. 2601-2617 ( RESPA ). RESPA servicing means receiving any scheduled periodic payments from a borrower pursuant to the terms of any federally related mortgage loan, including amounts for escrow accounts under section 10 of RESPA ( 12 U.S.C. 2609 ), and making the payments to the owner of the loan or other third parties of principal and interest and such other payments with respect to the amounts received from the borrower as may be required pursuant to the terms of the mortgage servicing loan documents or servicing contract.

Based on responses from " PennyMac '' and other companies all servicing activities are performed by other XXXX companies - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - but never by PennyMac or under authority of PennyMac.

Servicers are subject to the Truth in Lending Act 15 U.S.C. 1601, ( TILA ) as servicers of federally related mortgage loans obligated upon a borrowers request to provide the name, address, and telephone number of the owner of the obligation. All fintech Servicers and all other parties must be disclosed to me. 

Servicers are subject to the Federal Trade Commission Act, 15 U.S.C. 41 et seq ( FTC ) as federally regulated and insured institutions prohibiting unethical, unfair and deceptive business practices against consumers.

Servicers are subject to the Fair Debt Collection Practices Act 15 U.S.C. 1692 ( FDCPA ), prohibiting the collection of debt not owned, using names other than its own which would indicate that a third person is collecting or attempting to collect such debts, using false, deceptive, or misleading representations of the character, amount, legal status of such debt in connection with the collection of such debt 15 U.S.C. 1692e, prohibiting unfair or unconscionable means to collect under 15 U.S.C. 1692f, failing to validate debt and failing to cease collection of such disputed debt until legal verification is made, unlawfully furnishing deceptive forms under 15 USC 1692j.

The amount collected must be owed and due to a specific creditor. 

Here is no Creditor identified in my case and " financials '' show XXXX principal balance, escrow and interest. 

Yet, I pay to some " other payees '' [ XXXX XXXX XXXX  ] {$1500.00} - while my escrow payments are less than {$98.00} per month and nobody refunded me any money. 

I demand PennyMac Loan Services , LLC to disclose if they receive {$1500.00} from XXXX XXXX each month. Did PennyMac received any of my payments between XXXX to present time? 

If yes, that PennyMac do with my payments? Does PennyMac cash my payments? Does PennyMac keep it for themselves or send it to someone else? Who is entitled to receive and who actually received my payments?

Where my payments go after PennyMac receive my money? If " Financials '' repeatedly filed with CFPB show ZERO principal, XXXX interest and XXXX escrow. 

Please disclose if these Financials are coming from PennyMac and prepared by PennyMac 's employees.

Please disclose if these " Financials '' reflect entries on the account receivable owned by the Creditor to whom my payments are due.

Please disclose for which " litigation '' I was billed {$1700.00} in XX/XX/XXXX- and for which litigation I was billed over {$300000.00} from XX/XX/XXXX to present time? 
Identify which lawyers billed these fees; received these fees and who paid these fees? 
Please disclose why my principal shows {$0.00} and my escrow has {$0.00} per if I pay {$1500.00} per month - most of which is for escrow. Under RESPA, all surplus over {$50.00}, must be refunded to me while I never received any refunds from anyone. 

I demand answers from the REAL authorized employee who has personal knowledge about my payments and about transactions shown from unnamed " Financials '' - an accountant or bookkeeper.

Use of unregulated AI who pretend to be " priority complaint Specialist '' is illegal and criminal.

Company response to consumer: Closed with explanation