Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
XXXX Complaint Narrative Subject : Submission of Deficient/Broken Assignments and Judicially Canceled Strangers Loan Documents in Active Foreclosure ; Securitization Compliance Failure and Mixed-File Consumer Data Breach We are filing this complaint against PennyMac Loan Services , LLC ( `` PennyMac '' ) for severe, systemic violations of the Real Estate Settlement Procedures Act ( RESPA ) / Regulation X, the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and for engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). PennyMac has initiated a foreclosure action targeting our property in XXXX XXXX, Florida. This case is currently active and in the discovery phase ; no summary judgment has been entered. PennyMac is aggressively pushing for a final judgment despite possessing a completely broken chain of assignment and a total lack of legal standing. XXXX Retaliatory and Deficient Response to Standing Demands Following our formal legal demands requiring PennyMac to produce absolute proof of their standing and chain of ownership, the company abruptly filed a " Notice of Trial Exhibits ''. This filing was clearly a rushed, desperate attempt to manufacture a chain of custody where none exists. Instead of proving their right to foreclose, their official production reveals a catastrophic break in the assignment of the mortgage and note, proving they did not have standing at the inception of this lawsuit as required by Florida law. XXXX Submission of an Entirely Unrelated, Judicially Canceled File To cover up the break in their assignment chain, PennyMac 's trial exhibits contain shocking administrative co-mingling and outright deception. While the case style lists our names and the XXXX Living Trust, the actual Promissory Note ( Exhibit XXXX ), Mortgage ( Exhibit XXXX ), and Loan Modification Agreement ( Exhibit XXXX ) attached by PennyMac belong to an entirely different consumer : XXXX XXXX ( and XXXX XXXX XXXX ) for a property located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX XXXX ). Worse yet, the original promissory note that PennyMac produced and certified under penalty of perjury as the active debt instrument for our case prominently bears a legal stamp reading : " CANCELLED ... ORIGINAL/JUDGEMENT ENTERED ON ... XXXXXXXX XXXX XXXX XXXX JUDGE STATE OF FLORIDA '' PennyMac is actively attempting to take our home using a legally dead, judicially canceled instrument belonging to a stranger living hundreds of miles away. XXXX Severe Mixed-File Data Breach and Privacy Violations The exposure of XXXX XXXX XXXX highly sensitive, unredacted financial information, account balances, and signed contracts within our public court file constitutes a catastrophic mixed-file data breach. PennyMac has crossed consumer files, proving a complete failure to implement reasonable data security and account segregation procedures under the Gramm-Leach-Bliley Act ( GLBA ) and the FCRA. If PennyMac has carelessly exposed a stranger 's sensitive data to us and placed it on the public record, we have every reason to believe our private financial data has been similarly compromised, co-mingled, or exposed to XXXX parties. XXXX XXXX XXXX XXXX Misrepresentation & Missing Power of Attorney Further exposing PennyMac 's broken chain of title is the structural history of the underlying loan. Our actual loan was pooled into a XXXX XXXX Mortgage-Backed Security ( MBS ) under the regulatory oversight of the U.S. Department of Housing and Urban Development ( HUD ). According to XXXX XXXX guidelines, a servicer must strictly execute a formal buyout mechanismspecifically utilizing Form HUDXXXX ( Request for Release of Documents ) to legally purchase a loan back out of an active pool before they have the individual right to enforce a foreclosure. PennyMac has failed to produce any evidence showing when, or if, they ever legally bought this loan back from XXXX XXXX. Furthermore, PennyMac is acting as a XXXX-party servicer asserting corporate authority without providing a valid Power of Attorney ( POA ) or corporate resolution demonstrating they have the legal right to sign certifications or initiate litigation for this asset. XXXX Violations Identified FDCPA 807 ( 15 U.S.C. 1692e ) : Using false, deceptive, or misleading representations or means in connection with the collection of a debt, specifically misrepresenting the character, amount, and legal status of the debt. FDCPA 808 ( 15 U.S.C. 1692f ) : Unfair practices by attempting to enforce a security interest where there is no present right to possession due to a broken chain of assignment and incomplete securitization buyout. FCRA & Gramm-Leach-Bliley Act ( GLBA ) : Failure to protect consumer privacy and maintain accurate records, resulting in a severe mixed-file data breach that exposes sensitive consumer information on the public record. RESPA / Regulation X ( 12 CFR 1024.38 & 1024.41 ) : Failure to maintain policies and procedures reasonably designed to ensure accurate account information, resulting in the comingling of completely separate consumer files and executing foreclosure activities without verified ownership. UDAAP ( Dodd-Frank Act 1031 ) : Engaging in unfair and deceptive practices by pursuing a foreclosure action without verifying standing, title, or basic accuracy of the underlying instruments.

Company response to consumer: Closed with explanation