Consumer complaint received 2026-04-08 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: MI

Complaint narrative:
Complaint, QWR, DVR and demand for full accounting records ( wire transfer receipts, cancelled checks, ACH ) evidencing how my payments from Trustee were applied and for adequate Assurance of performance to PERSONALLY deliver payments to the accountant or bookkeeper of the owner of the Obligation and personally verify accuracy of all amounts with this accountant or bookkeepper. On XX/XX/XXXX XXXX XXXX XXXX, a complaint specialist not an accountant or bookkeepper of the owner of the obligation lied to the Government Agency CFPB that amounts in Payoff Statements and Reinstatement quotes generated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) are accurate. This is a LIE. All amounts generated and demanded from me by XXXX XXXX are false, misleading and inaccurate. For example, on XX/XX/XXXX XXXX XXXX ( who impersonates as PennyMac ) sent me for the first time an Annual Review of my XXXX payments. According to this review and to my conversation with various call centers employees ( who impersonate as PennyMac employees ) they insisted that PennyMac is a DEBTOR in my case and here is {$2600.00} escrow surplus. I already paid in full ALL claimed from me escrow past dues in XX/XX/XXXX yet this Account review showed some past dues escrow {$150.00} which I never had. On XX/XX/XXXX I received a Reinstatement Quote from XXXX. According to this Reinstatement Quote I have to pay for 6 months from XX/XX/XXXX to XX/XX/XXXX which I already paid during this bankruptcy protection, All these amounts are based on unpaid escrow which I paid in full many times and {$24.00} late fees ; {$180.00} property inspection {$620.00} valuation fees and {$400.00} incurred bankruptcy. Total {$1200.00}. The SAME amount - {$24.00} late fees ; {$180.00} property inspection {$620.00} valuation fees and {$400.00} incurred bankruptcy- total {$1200.00} was in Servicer XXXX XX/XX/XXXX and XX/XX/XXXX Reinstatemtent Quotes and in all Total PayOffs '' In other words, for some reason this amount - {$1200.00} was never paid though my bankruptcy even though Trustee claimed it was paid. On XX/XX/XXXX PennyMac XXXX XXXX XXXX ( XXXX ) ( owner of some XXXX XXXX XXXX ( XXXX ) whose President XXXX registered fake empty shell corporation PennyMac Loan Services , LLC whose name XXXX is renting to various investment banks, hedge funds and XXXX XXXX ) sold its alleged XXXX to hedge fund XXXX XXXX XXXX, XXXX ( XXXX ) who became the Servicer and XXXX its Subservicer In XX/XX/XXXX Servicers XXXX and XXXX invented some {$180.00} escrow past dues which I never had ; and other unexplained payments in total amount {$1600.00} which is more than the total amount I paid to Trustee - {$1500.00}. How these amounts are calculated and by whom is a mystery to me as well as how {$790.00} and {$180.00} were applied, if they were purportedly for past dues while servicer XXXX demanded from me completely DIFFERENT amounts in its " Reinstatement Quotes '' and " Payoffs '' The unsigned thus VOID- Payoff is based on FULL amounts ( with already paid escrow ) and with {$1200.00} same foreclosure fees which I alsready paid via this bankruptcy. On XX/XX/XXXX and XXXX my daughter was in XXXX XXXX and tried to find out to whom she can delvier my payment. We looked at the address where my payments are demanded to be sent XXXX XXXX XXXX XXXX CA and found out that this is NOT actual PennyMacs office but merely some mail stop desk to receive mail under PennyMacs name. The actual property belongs to a very shady chain of empty shells corporations such as XXXX XXXX XXXX XXXX, owned by XXXX XXXX XXXX XXXX ( whose registration is terminated ) whose manager XXXX XXXX operates some shady hedge fund XXXX XXXX XXXX XXXX ( not registered in CA at all ) and has close relationships with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. It appears that XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX use XXXX XXXX XXXX address for a substantial money laundering operations using PennyMacs name as cover up.

Company response to consumer: Closed with explanation