Consumer complaint received 2025-02-14 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: IL

Complaint narrative:
QWR, XXXX and demand under TILA to provide exact name of the owner of the obligation and direct contact to the accountant or bookkeeper who has personal knowledge. 
On XX/XX/XXXX I spoke with a call center contractor " XXXX XXXX '' from XXXX XXXXXXXX XXXX who told me that my current Creditor is the Department of Veterans Affairs whom PennyMac is servicing. According to another call center employee XXXX XXXX '' from XXXXXXXX XXXX the current owner of my obligation is XXXX whom PennyMac is servicing. According to the bankruptcy lawyer the current Creditor is PennyMac who is servicing themselves. TILA 15 USC 1641 mandates disclosure of the owner of the obligation whom I need to include in my bankruptcy petition since both " XXXX '' insisted that PennyMac is not my Creditor. 
According to AI generated response on XX/XX/XXXX, in the Past Payment Breakdown section of the billing statement, it provides {$230.00} Escrow amount paid last month. Allow me to clarify, on XX/XX/XXXX, we applied {$740.00} toward the XX/XX/XXXX payment, which included {$140.00} escrow, and {$690.00} toward the XX/XX/XXXX payment, which included {$91.00} escrow. 
Please explain why you " applied '' two months payments - XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX and how much was applied to XX/XX/XXXX payment? 
Based on demands from the bankruptcy lawyer who told to the Judge that PennyMac is my only Creditor I pay {$190.00} each month for escrow - which is based on increased escrow payments. In reality my escrow payments reduced to {$91.00} on XX/XX/XXXX. Which resulted in two years of overpayments in the amount {$2700.00} overpayment for property taxes in 26 months. Please disclose that you did with this overpayment? Did you apply it to the past escrow amounts? Bankruptcy lawyer said that my plan calculated all payments- including any " past due ''. Someone takes more money from my approved plan, without Court approval. Please explain why you take from me {$100.00} each month during 26 months without getting approval from the bankruptcy Court? I paid {$190.00} escrow for XX/XX/XXXX and {$190.00} escrow for XX/XX/XXXX. Which is total {$390.00} for XXXX and XXXX. You said that in XX/XX/XXXX escrow payment was {$140.00} and XX/XX/XXXX escrow payment was {$91.00}. 
According to " Escrow Review '' in XXXX my escrow was {$130.00} and tax exemption started in XXXX. Please disclose how you calculated escrow amounts for XXXX and XX/XX/XXXX. 
You said you paid total {$230.00} for two months - XXXX and XX/XX/XXXX. I paid {$390.00}. Which is {$160.00} more. Please disclose that did you do with this surplus {$160.00} in XXXX XXXX XXXX. 
Please provide me the exact amount or any outstanding balances for escrow as appear on the account receivable where my money are deposited and direct contract information for the Creditor 's accountant/bookkeeper who has personal knowledge Please attach the ledger for this account receivable

Company response to consumer: Closed with explanation