Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
PENNYMAC LOAN SERVICES LLC THE MORGAGE SERVICING FOR MY MORTGAGE LOAN ; THAT HAS BROKEN NUMEROUS FEDERAL AND STATE LAWS .. IS TRYING FORECLOSE ON MY HOME WHEN AT THAT TIME I HAD MADE ALL PAYMENTS, THEY HAD OVERBILLED MY LOAN, RAISED MY MONTHLY PAYMENTS BY OVER {$500.00}, USED THE FALSELY BILLED AMOUNTS AND ACCOUNT BALANCE TO SAY THAT I HAD MISSED PAYMENTS AND NOW AT THIS TIME THEY ARE : I HAVE REQUESTED TO BE IN ONE OF THE HUD PROPRAMS FOR AVOIDING FORECLOSURE AND THEY ARE TRYING TO DO MORE ILLEGAL ACTS .. DOUBLEING MY INTEREST RATE, RASING MY PAYMENTS, HIDE THESE BY ADDING 20 YEARS TO THE LOAN .. AND IN THE AMOUNT BEING PUT INTO A HUD LOAN ALL THE OVER BILLING AND ADDED CHARGES THAT I DO NOT OWE AND ADDING ADDITIONAL TERMS TO THE LOAN TO FURTHER CAUSE MORE NEGITIVE EFFECTS ON ME : : I HAVE DETAILED WHAT THEY HAVE DONE HERE ; Pennymac Loan Service LLC Perpetrated numerous wrongful actions, perpetuated over an extended period of time, causing irreparable damage, sustained hardships, suffering mental anguish and physical distress. 

I have left some of their behavior and actions out as it is already a great deal being required to be included in this statement of complaint, necessary to provide a proper accounting of the major offences Pennymac has committed and are solely responsible for.

And is still on going to the present time I have attached documentation in support of all claims contained including : XXXX XXXX Treasurers statements, bank statements, Pennymac escrow statements, corrected billing amounts, payment history, and proper account balances, etc. 

I have provided references to these attached documents with their corresponding events, represented by ( DOC ) identification numbers posted on each of the documents, I begin with the primary inciting events OVERBILLING OF ESCROW AND MONTHLY PAYMENT AMOUNTS, UNLAWFUL DEBT COLLECTION PRACTISES, FAILURE TO PERFORM PROPER AND REQUIRED CORRECTIVE ACTIONS Received Pennymac regular escrow statement dated XX/XX/XXXXXXXX  ( XXXX XXXX XXXX ) New monthly payment amount $ XXXX county tax amount {$1400.00} 3 months later received 2nd Pennymac escrow statement dated XX/XX/XXXX ( XXXX XXXX XXXX ) New monthly payment amount $ XXXX county tax amount {$7000.00} XXXX XXXX Treasurer tax statement for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX XXXX XXXX ) net tax {$1500.00} total annual charges {$2900.00} Pennymac billed {$2900.00} by XXXX XXXX Treasurer, Pennymac billed my escrow account {$7000.00} Difference of {$4100.00} overbilling causing monthly payment amount to Increase from {$990.00} to {$1500.00} Difference of {$500.00} overbilled monthly Corrected monthly payment amount using the correct values {$1000.00} XXXX XXXX tax {$2900.00} Mortgage Ins. {$1000.00} Hazard Ins. {$1100.00} {$5000.00} DIV x XXXX {$420.00} {$420.00} + P & I {$670.00} = {$1000.00} Pennymac {$1500.00} - Corrected {$1000.00} {$410.00} overbilled monthly payment amount x XXXX = {$4900.00} Total for XXXX XXXX billing cycle Contacted Pennymac several times and advised of the error. and disputed charges Initially I had not looked closely at the details, just knew this was incorrect. I therefore continued making monthly payments of {$990.00} As this amount corresponded with the amounts I had been paying since refinanced loan In XXXX which is when Pennymac became the servicer without my authorization or Consent. 

In fact made additional payments along with the regular monthly payments Example of payment amount history up to this point XXXX  {$960.00} XXXX  {$930.00} XXXX {$940.00} XXXX {$960.00} ( corrected proper amount, as I was To discover Pennymac began overbilling at This time The following year Pennymacs new escrow statement dated XX/XX/XXXX ( XXXX XXXX XXXX ) Now arriving 3 months later than the previously regular dates Stating new monthly payment amount $ XXXX XXXX tax amount {$5300.00} XXXX XXXX Treasurer 's statement for XX/XX/XXXX - XX/XX/XXXX Net tax {$1600.00} total annual charges {$2500.00} ( XXXX XXXX XXXX ) Pennymac billed {$2500.00} by XXXX XXXX Treasurer. 
Pennymac billed my escrow account {$5300.00} Amounting to {$2700.00} overbilling Corrected proper monthly payment amount using proper values $ XXXX XXXX tax {$2500.00} Mortgage Ins. {$970.00} Hazard Ins. {$1200.00} Total {$4800.00} div x XXXX = {$400.00} {$400.00} + P & I {$670.00} {$1000.00} corrected proper monthly payment amount Pennymac monthly payment amount {$1300.00} Corrected proper payment using proper values {$1000.00} Pennymac {$1300.00} - {$1000.00} corrected proper amount {$220.00} overbilling monthly When I finally did begin reviewing the account activities found overbilling on XXXX  billing Cycle ( XXXX XXXX  XXXX ) ( XXXX # XXXX ) Pennymac billed monthly payment amount of {$1000.00} Corrected proper monthly payment amount using correct values {$960.00} Pennymac {$1000.00} - {$960.00} proper corrected amount = {$55.00} overbilled monthly = {$660.00} total overbilled amount for XXXX {$660.00} overbilling for XXXX {$4900.00} overbilling for XXXX {$2700.00} overbilling for XXXX {$8300.00} total overbilling for XXXX XXXX XXXX FUNDS MISSING FROM ESCROW ACTUAL ACCOUNT BALANCES While reviewing details of account activity more closely found additional discrepancy. 

Escrow statement account balances ending balance from one billing cycle to beginning Balance of the next cycle missing amounts with no corresponding disbursement Ending balance for XX/XX/XXXX. XXXX = + {$1300.00} Beginning balance for XX/XX/XXXX. XXXX + XXXX {$1.00}, XXXX gone ( XXXX, XXXX ) Ending balance for XX/XX/XXXX = + {$950.00} Beginning balance for XX/XX/XXXX = + {$690.00} {$260.00} gone ( XXXX, XXXX ) Ending balance for XX/XX/XXXX = XXXX Beginning balance for XX/XX/XXXX = - ( XXXX ) {$970.00} gone ( XXXX, XXXX ) Ending balance for XX/XX/XXXX = + {$870.00} Beginning balance XX/XX/XXXX = - ( XXXX ) {$1100.00} gone ( XXXX, XXXX ) {$1200.00} XXXX {$260.00} XXXX {$970.00} XXXX {$1100.00} XXXX {$3600.00} total of money unaccounted for, vanished, For. XXXX, XXXX, XXXX, XXXX Ending balance for XX/XX/XXXX = - ( {$3000.00} ) Beginning balance for XX/XX/XXXX = - ( XXXX ) - ( XXXX )??? gone ( XXXX, XXXX ) Ending balance XX/XX/XXXX = {$2400.00} Beginning balance for XX/XX/XXXX = - ( XXXX ) {$2600.00} gone ( XXXX, XXXX ) Ending balance for XX/XX/XXXX = + {$6200.00} Beginning balance for XX/XX/XXXX = - ( {$3900.00} ) {$10000.00} gone ( XXXX, XXXX ) - ( {$170.00} ) XXXX {$2600.00} XXXX {$10000.00} XXXX {$13000.00} XXXX {$3600.00} XXXX - XXXX {$13000.00} XXXX - XXXX {$16000.00} total from XXXX - XXXX MISREPRESENTATION STATUS, MISSING PAYMENTS, FALSE ACCOUNT BALANCING, EXCESSIVE THIRD PARTY CHARGES, FAILURES REGARDING QWR ERROR CORRECTION, AND IMPROPER RESPONSE TO ERROR AND DISPUTE, WRONGFUL FORECLOSURE PROCESS. 

As previously mentioned I had been consistently making regular Monthly payments in the amount of {$990.00} along with additional Payments to assure any missed payments had been cured, as I had worked very hard to make up for 3 missed payments that had occurred in XXXX  due To a change of employment in XXXX of XXXX. 

Upon returning to regular Employment, resumed normal monthly payments and when possible made extra payments to cure the missed ones beginning the month of XX/XX/XXXX. ( see attached ( XXXX ), ( XXXX ) containing corrected value of payment history and proper account balances up to and including XXXX XXXX ) By the month of XX/XX/XXXX, Had managed to cure 2 of the 3 missed Payments and had 1 remaining In the month of XX/XX/XXXX I had managed to clear all missed payments ( using proper payment amounts ) and continued to make multiple Payments monthly that accounted for all monthly payments up to and Including XX/XX/XXXX .Again using the correct monthly payments And account balances ( XXXX, XXXX ) In fact had made payments totaling {$20000.00} from XXXX of XXXX to XXXX of XXXX. ( see attached ( XXXX ), ( XXXX ) of Bank statements showing payments made to Pennymac ) Also prior to, threw this time and continuing to the current time Pennymac billed excessive third party charges for property inspection and property preservation fees. beginning in XXXX but occurring Monthly from XXXX including multiple times in the same months up to 3 times in the months of XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX. and continuing monthly to XX/XX/XXXX. and appears from What billing statements I have seen, has continued threw to the current time Along with the amounts of these charges having been increased since XXXX of XXXX In XXXX of XXXX began receiving from Pennymac and XXXX XXXX. Notices of default, demands for Payments of full balance plus additional fees and charges and notice of Non-judicial foreclosure proceeding had been filed by XX/XX/XXXXXXXX  These notices contained varying amounts, but included Demands for missed payment from XX/XX/XXXX and all subsequent Payments forward, foreclosure fees, and other fees and charges. 
Totaling amounts from {$8200.00} up to {$9800.00} for the same time Frame The demands for full balance payment including additional fees and Charges from {$130000.00} up to {$130000.00} again for the same time Frame.

Please again refer to attached XXXX, XXXX, XXXX, XXXX Confirming all monthly payment amounts accounted for and payments Made threw XX/XX/XXXXXXXX   which accounts for all monthly payment Threw to and Including XX/XX/XXXX. 

I later noted this activity began immediately following the expiration of the Covid -19 government suspension of home foreclosure and renter evictions in XX/XX/XXXX. 

I again contacted Pennymac and sent Qualified Written Notice of billing And other errors including dispute of foreclosure and said errors. 

After not receiving a response.. called back and was advised A Priority Complaint Specialist named XXXX XXXX had been assigned to Address my issues and disputes. and was transferred to her. 

She Confirmed receipt of my notice of errors and dispute. we discussed a Few of the details. threw the conversation, she attempted to control the Call, justify their behavior, while presenting the impression that I was the One in the wrong. After I had pointed out a number of flaws and corrected Almost every comment she had made. she asked as she was still Reviewing the account and looking into the details, if I give her some time She will contact me in a few days.

After again no response for an extended period, called her back again. 

When I advised following up as I had not heard from her. she advised that she had sent me an email. 

The manner in which she sent it, did not appear Showing as normal emails appear ( which is why I had not seen it thought I was watching for it ) needed instructions on finding it, in addition to a special Process to open it. 
The email, being the response to my written notice of error and dispute, Failed to properly provide required statements ( no errors found ), actions required to have been be take ( Investigation ), detailed explanations demonstrating that the accounting was correct, ( violated terms of RESPA ).

During the conversation that followed and what the emails content Actually Consisted of was : an explanation of the escrow process, How they are required to do that process That they have the right to getting the monies back from Taxes and insurance they pay for me., During the phone conversation she continually tried : to control the Call, justify her position and actions, made ridiculous Statements that made no sense, one of these statements actually Confirming that they had performed An unnecessary, unwarranted, unrequested, and unscheduled audit of the account that was actually Done by a department manager that caused obvious errors resulting in the overbilling of several thousands of dollars to the account. And more. 

As for my part, after listening to each of her statements, I responded by Presenting her with examples of how her statements were not correct, Did Not actually address the issues that I had reported to her, I would restate the questions or asked for her explanation of some of the Specific details that I had included in my notice .One of which how I Could possibly have any kind of outstanding balance or any missed Payments after making {$20000.00} in payments during the Previous 13 month Period from XX/XX/XXXXXXXX  through The end of XXXX XXXX  to an account that has a total yearly average billing amount of approx {$12000.00}. 
I further asked how I could owe payments from XX/XX/XXXXXXXX  and the Subsequent payments as I had made payments totalling {$4000.00} during That same time through to the end of XXXX XXXX. 

As she had no real response to these questions with the exception of that When she had looked only at the payment amounts I had made totaling Approx {$21000.00} she said she was only seeing between {$14000.00} or {$15000.00} .. in response I sent her a copy of my bank statement that Showed all the payments made to Pennymac and only the payments to Pennymac due to the manner that I have always set my payments through the bill pay services my bank provides and this provides an Activity / payment history for just those payments made to their Company.

In the end I advised that she will want to look at this again, stop the Foreclosure that was wrong and I was not missing any payments. Make The corrections to the account due to their error and let me know when properly sorted first her response was that she could not stop the Foreclosure and that there is no sale date at this time I pointed out She could stop it and discuss this with her supervisor. have him do it Then. She again said she would get back to me. 

After this we only spoke a couple more occasions and every time Just got worse, she basically refused to make the corrections, said she Could not stop the foreclosure adding that there was no sale date, etc. 

At this point I tried to find legal representation however after being Unsuccessful, I was forced to file the suit myself. 

The case number XXXX. THE FEDERAL DISTRICT COURT OF NEVADA. 

During this process, per one of the Nevada Revised Statutes ( NRS ) Regarding legal actions where that statue XXXX Unfair Practices ; injury to person of property. is involved in the complaint A copy of the complaint needs to be filed with the Nevada Attorney Generals Offices : Fraud Department.. Copy was filed with that office FRAUD, ABUSE AND MISMANAGEMENT OF A HUD FUNDED PROGRAM, CONTINUED ATTEMPTS TO PROFIT, COLLECT ON OVERBILLING AND TERMS PROVIDING ASSISTANCE TO PENNYMAC TO FORECLOSE. 

Have recently been finding additional methods of recourse and options To defend against Pennymacs actions destroying any quality of Life in my future.

I came across the programs being provided by The Department of Housing and Urban Development ( HUD ) that assist struggling homeowners with FHA mortgages, avoid foreclosure and provide Relief and aid in recovery of homeowners that they can again build for their future.

Additionally that mortgage servicers are required to find alternatives And to specifically provide these homeowners with these programs to Avoid foreclosure and keep their homes. Which in my case Pennymac Has again failed to do what they are required to do. 

I Contacted Pennymac and formally requested to participate in these Programs. Also provided the details of the events And there actions that caused this situation.The loss mitigation department agent advised me that they would review the mortgage account and the escrow account and advise me of the result.

I requested an email or some method to Send them all the details regarding the errors they had committed, providing them with proper accounting that would aid in this process. 
As I was advised that the review of the escrow account details would Be one of the first things that would be done. I sent to the Attention of the escrow department, the first of the account details That they could make the needed corrections, allowing for this to Be completed by the time loss mitigation would receive the remainder Of the details I was sending.

In response I received a large envelope containing a number of Documents. 

This turned out to be another demonstration of Pennymac abhorrent, atrocious, and despicable behavior and their perpetration of additional acts of wrongdoing that they have committed.

The first of the documents dated XX/XX/XXXXXXXX  Stating we are happy to offer a Federal Housing Administration ( FHA ) COVID Recovery Modification and Partial Claim No Trial. 

Shortly thereafter, Informed me that they had decided that they were not able to offer me any of the several other programs, of which I already knew that I did actually qualified for others of these program that would be better suited to me and would truely Help me a great deal more. One of these other program that they should have offered me would have also coincided more with the proper purpose intended By HUD and the reasons they created these programs.to begin with.

To demonstrate how this offer would have the completely opposite Consequences to those which they were required to provide me with. 
The following is a listing of the actions Pennymac is going to take in Accordance with terms of this offer that was to provide me with Assistance that they are required to provide This will demonstrate how their offer would cause additional hardships rather than relief them, Would perpetuate my continued suffering of these hardships for another 40 years.

They would collect on the fraudulent overbilling, falsely attached additional fees and charges And more. 

Instead of helping me to avoid foreclosure, they are including Additional terms in loan modification agreement that would actually help them to foreclose. 

Theyre going to increase my interest rate from the current 3.625 % To almost double that rate to 6.625 % Theyre going to increase my monthly payment from {$1000.00} to {$1100.00} an increase of {$30.00} when in fact it qualifies to be Lowered. In accordance with the Homeowner Protection Act to Remove the mortgage insurance charges permanently.

Theyre going to add 20 ( twenty ) years of payments to the original Loan that would have been satisfied XX/XX/XXXXXXXX  now however the new loan satisfaction date would be XX/XX/XXXX. ( which considering I am XXXX XXXX XXXX at this time, I will be XXXX XXXX XXXX when this occurs ) At which time I will Be able to begin paying off the amount of the partial claim being attached in the amount of {$40000.00} That amount Includes all the fraudulent overbilling amounts they caused and refused to correct for, along with the other additional False charges they added. 

The reason Pennymac actual added this additional term was to conceal the fact that they doubled the interest rates.

Theyre going to add XXXX XXXX XXXXXXXX XXXX to the loan. A firm that that Pennymac paid out of my account shown on my loan transaction / activity statement activity, that they were paid fees for foreclosure trustee sale guarantee costs fees. Which are included In the above mentioned amounts being included to the Partial Claim amount being added to the loan. For fees related to the Wrongful processing of the non - judicial foreclosure that they Initiated when I had made all my payments and was not truly in default. 

Theyre going to add additional terms to the loan providing them the ability of processing non - judicial foreclosure proceedings whenever they should decide to do so. While reducing my abilities To defend against them doing it to me again. Which they were not Allowed to do it in the first place.

Theyre adding another additional term to the loan that makes Mortgage Insurance payments permanent and that they will no Longer be required to remove them as provided for in the Homeowner Protection Act. of which my loan now qualifies for the removal of these charges due to the fact that my loan balance is 80 % or Less than the original property value. As I purchased my home In XXXX and have made 17 years of payment. 

As previously mentioned there are a number of additional wrongful Acts and behavior that Pennymac has committed of which I am Not including at this time, as this has required excessive amounts Time, energy, and expense involved in this whole situation that Should never have occurred and should have been and they could have resolved this a long time ago.

I have followed up with Pennymacs loss mitigation department regarding the loan modification offer I have just provided above. I Have spoken to them and sent these same written details to them Again including the same supporting documentation that I have Attached to this complaint.

This includes an outline and provides Details of the more appropriate offer that I should have been presented with. That would resolve all issues in this matter By providing a more fair and equitable solution to the one They presented it to me.

I have expressed that I am still requesting their assistance and Desire to participate in the HUD programs or any program, will continue to work with them to get these matters resolved, save my home, And find a resolution to all of this that I may be able to move On With my life and put this whole thing behind me.l I am reaching out to you as I am in great need of your protection from this company.

Need your assistance to prevent them from taking my home that I have worked so very hard for. 

Force them to repair the damage they have caused.

Hold them accountable for their despicable behaviour And the atrocious acts they have committed against a good person That has been forced to endure all the malicious mistreatment and The undue suffering of the extreme hardships that Pennymac has purposely inflicted upon someone that is innocent of fault in this matter and undeserving of the treatment Pennymac has imposed.

Please help me THE FOLLOWING IS A TABLE OF CONTENTS AND DESCRIPTION OF THE ATTACHED DOCUMENTATIONS REFERENCED ABOVE THAT PROVIDES VERIFICATION OF AND IN SUPPORT OF THE DETAILS OF THE STATEMENTS THAT HAVE BEEN PRESENTED IN THIS COMPLAINT. 

( XXXX XXXX XXXX ) THE XXXX XXXX TREASURERS YEARLY STATEMENT OF TAX DISTRIBUTION FOR THE FISCAL YEAR OF : XXXX - XXXX THAT SHOWS THE ACTUAL AMOUNTS THAT WAS SENT TO PENNYMAC FOR XXXX XXXX TAX {$1400.00} AND TOTAL ANNUAL CHARGES FROM XXXX XXXX {$1400.00} ( XXXX XXXX XXXX ) PENNYMACS YEARLY ESCROW STATEMENT OF THE AMOUNTS BILLED TO THE ESCROW ACCOUNT FOR XXXX - XXXX XXXX TAX {$1300.00} / XXXX  XXXX {$980.00} / MORTGAGE INS. 
$ XXXX AND A UNACCOUNTED FOR SHORTAGE OF {$760.00} XXXX XXXXXXXX THE PAYMENT AMOUNT FROM {$940.00} TO {$1000.00} ( DOC # 3 ) THE XXXX XXXX XXXX XXXX STATEMENT OF TAX DISTRIBUTION FOR THE FISCAL YEAR OF XXXX - XXXX THAT SHOW THE ACTUAL AMOUNTS THAT WAS SENT TO PENNYMAC FOR XXXX XXXX TAX {$1500.00} AND TOTAL ANNUAL CHARGES FROM XXXX XXXX {$2900.00} ( XXXX XXXX XXXX ) PENNYMACS YEARLY ESCROW STATEMENT DATED XX/XX/XXXXXXXX  OF THE AMOUNTS BILLED TO THE ESCROW ACCOUNT FOR XXXXXXXX XXXX XXXXXXXX XXXX TAX {$1400.00} / MORTGAGE INS. {$1000.00}/ XXXX XXXX. {$1100.00} PAYMENT AMOUNT FROM {$1000.00} TO {$990.00} ( XXXX  # XXXX ) PENNYMACS YEARLY ESCROW STATEMENT DATED XXXX XXXX XXXX OF THE AMOUNTS BILLED TO THE ESCROW ACCOUNT FOR XXXX - XXXX XXXX TAX {$7000.00} / MORTGAGE INS. {$1000.00}/ XXXX XXXX. {$1100.00} PAYMENT AMOUNT FROM {$1000.00} TO {$1500.00} ( XXXX  # XXXX ) THE XXXX XXXX TREASURERS YEARLY STATEMENT OF TAX DISTRIBUTION FOR THE FISCAL YEAR OF XXXX - XXXX THAT SHOW THE ACTUAL AMOUNTS THAT WAS SENT TO PENNYMAC FOR XXXX XXXX TAX {$1600.00} AND TOTAL ANNUAL CHARGES FROM XXXX XXXX {$2500.00} ( XXXX  # XXXX ) PENNYMACS YEARLY ESCROW STATEMENT DATED XXXX XXXX XXXX  OF THE AMOUNTS BILLED TO THE ESCROW ACCOUNT FOR XXXX XXXX TAX {$5300.00} / MORTGAGE INS {$970.00} / HAZARD INS {$1200.00} PAYMENT AMOUNT FROM {$1500.00} TO {$1300.00} ( XXXX # XXXX ) THE XXXX XXXX XXXX XXXX STATEMENT OF TAX DISTRIBUTION FOR THE FISCAL YEAR OF XXXX - XXXX THAT SHOW THE ACTUAL AMOUNTS THAT WAS SENT TO PENNYMAC FOR XXXX XXXX TAX {$1700.00} AND TOTAL ANNUAL CHARGES FROM XXXX XXXX {$2000.00} ( XXXX  # XXXX ) PENNYMACS YEARLY ESCROW STATEMENT DATED XXXX XXXX OF THE AMOUNTS BILLED TO THE ESCROW ACCOUNT FOR XXXX XXXX TAX {$1700.00} / MORTGAGE INS {$970.00} / HAZARD INS {$1200.00} PAYMENT AMOUNT FROM {$1500.00} TO {$1000.00} ( XXXX XXXX ) LIST OF THE TRUE MISSED PAYMENTS FOR XXXX, XXXX AND TO DATE FOR XXXX USING THE PROPER VALUES. 
THE AMOUNTS OF {$1000.00} FOR XXXX ARE FROM PENNYMACS ESCROW STATEMENT THE AMOUNT OF {$1000.00} XXXX CALCULATED USING PROPER VALUES. THIS ALSO SHOWS THE MAXIMUM TOTAL AMOUNTS OF THE PROPER AMOUNT THAT SHOULD BE POSTED FOR THE PARTIAL CLAIM AMOUNT OF EITHER {$29000.00} OR {>= $1,000,000} INSTEAD OF THE {$40000.00} WHICH IS THE AMOUNT IN PENNYMACS OFFER INTENDS TO PROVIDE FOR THE PARTIAL CLAIM AMOUNT WHICH INCLUDES THE OVERBILLED, AND ADDED FALSE CHARGES THAT ARE NOT OWED ( XXXX XXXX ) XXXX XXXX  STATEMENT SHOWING ALL PAYMENTS MADE TO PENNYMAC FROM XX/XX/XXXX - XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX  STATEMENT SHOWING ALL PAYMENTS MADE TO PENNYMAC FROM XXXX XXXX XXXX - XX/XX/XXXX ( XXXX XXXX ) REPRESENTS THE PROPER BILLING AND PAYMENT ACCOUNT ACTIVITY INCLUDING THE PROPER ACCOUNT BALANCES CALCULATED USING THE CORRECT VALUES FROM XX/XX/XXXX TO XX/XX/XXXX COLUMN LABELED DATE = DATES OF BILLING CYCLE COLUMN LABELED XXXX XXXX = CORRECT PAYMENT AMOUNT FOR THAT BILLING CYCLE COLUMN LABELED XXXX XXXX  = DATES PAYMENTS WERE MADE COLUMN LABELED XXXX AMOUNT = PAYMENT AMOUNT MADE COLUMN LABELED BAL = THE CORRECT ACCOUNT BALANCES FOR THAT BILLING CYCLE ( XXXX XXXX ) AND ( XXXX XXXX ) SHOWS THAT ACCOUNT HAD CURED AND PROVIDED FOR ALL TRUE PAYMENT AMOUNTS FROM XX/XX/XXXX THREW TO AND INCLUDING XX/XX/XXXX. ACCOUNT WAS PAID ( XXXX XXXX ) REPRESENTS THE PROPER BILLING AND PAYMENT ACCOUNT ACTIVITY INCLUDING THE PROPER ACCOUNT BALANCES CALCULATED USING THE CORRECT VALUES FROM XX/XX/XXXX TO XX/XX/XXXX COLUMN LABELED DATE = DATES OF BILLING CYCLE COLUMN LABELED XXXX XXXX = CORRECT PAYMENT AMOUNT FOR THAT BILLING CYCLE COLUMN LABELED XXXX XXXX  = DATES PAYMENTS WERE MADE COLUMN LABELED XXXX AMOUNT = PAYMENT AMOUNT MADE COLUMN LABELED BAL = THE CORRECT ACCOUNT BALANCES FOR THAT BILLING CYCLE ( XXXX XXXX ) THROUGH ( XXXX XXXX ) ARE THE XXXX ESCROW STATEMENTS OF THE ACTUAL ESCROW ACCOUNT ACTIVITY INCLUDING THE ACTUAL BEGINNING AND ENDING BALANCES FROM XX/XX/XXXX THREW TO XX/XX/XXXX. THEY PROVIDE DOCUMENTATION OF MISSING FUNDS THAT ARE NOT UNACCOUNTED FOR ANYWHERE AND VANISHED FROM THE ENDING BALANCE AND BEGINNING BALANCE FOR THE CORRESPONDING STATEMENTS

Company response to consumer: Closed with explanation